vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding a solar loan financed through GoodLeap that is tied to unresolved installer misconduct by XXXX XXXX. I paid XXXX XXXX {$3100.00} for the removal of solar panels so that roof repairs could be completed. The service was later canceled, and I was guaranteed a full refund of the {$3100.00}. XXXX XXXX issued a refund check ; however, when I deposited the check it was returned by my bank for non-sufficient funds on XX/XX/year>. Since that time, I have made multiple attempts to resolve this issue directly with XXXX XXXX, but they have stopped responding to communications and have not corrected the unpaid refund. I notified GoodLeap and provided documentation, including proof of payment, the refund check, and confirmation from my bank that the check was returned for insufficient funds. GoodLeap acknowledged the seriousness of the issue and stated that my case is still open. However, GoodLeap informed me they can not move forward with resolving the issue without cooperation from XXXX XXXX. XXXX XXXX has not responded to them. I requested written clarification from GoodLeap regarding the resolution process, a timeline for the investigation, and what remedies are available if the installer refuses to cooperate. I also requested that all communication be handled through email so there is a documented record of the communications. To date, GoodLeap has not provided a clear written resolution path and has stated they can not proceed without the installers cooperation. This leaves me responsible for a loan tied to a company that issued a refund check that bounced and is no longer responding. I am requesting assistance in requiring GoodLeap to provide a defined resolution process and appropriate relief given the installers misconduct and failure to honor the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I paid the reinstatement amount of {$1200.00} to Westlake Financial through XXXX to recover my vehicle after repossession. During that same call, the representative sent me a XXXX link and I signed an extension agreement while we were on the phone. I was told my account would be current and that the payment would be moved to the end of the loan. Based on that conversation, I relied on the extension and continued making payments, including a payment in XXXX. I was later told the extension was denied because of a due date change. However, the payment history shows that the due date change was entered on XX/XX/XXXX, which was after the extension agreement was signed on XX/XX/XXXX. Once I brought this to Westlake Financials attention, I was then told that the denial was because there needed to be a full payment in between the previous payment extension and the new payment extension request. technically because I paid the recovery cost on XX/XX/XXXX that would have been sufficient but because of a XXXX hour time stamp in their system my request was denied. I was never notified that the extension had been denied before my vehicle was repossessed again. When I contacted Westlake Financial, the supervisor refused to review the call recording or the extension agreement and demanded full payoff of the loan balance instead of allowing reinstatement. I am requesting that Westlake Financial review the XX/XX/XXXX call recording and the extension agreement and reconsider reinstatement of my loan before the vehicle is sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
I am an uninsured mother. I have a bill from XXXX XXXX ( Account XXXX ) for an XX/XX/year> delivery. The original bill explicitly lists XXXX at {$760.00}. The provider ( XXXX ) waited until XXXX to bill me, then inflated the charge to $ XXXX increase of {$3700.00}. They are also refusing to honor my 100 % XXXX XXXX XXXX, claiming a XXXX window ' which expired before they even sent the first bill. This violates the No Surprises Act 's {$400.00} threshold for self-pay disputes and constitutes predatory billing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I paid for XXXX airline tickets using PayPal. The payments were processed in XXXX but charged to my credit card in USD. The charges on my card were {$400.00}, {$22.00}, {$400.00}, and {$350.00}. Due to a regional conflict, the airline cancelled the flight and issued a full refund in XXXX The refunds were processed on XX/XX/XXXX. XXXX confirmed that the full amount in XXXX was refunded. However, when PayPal converted the refunded XXXX back to USD, the total amount returned to my account was {$48.00} less than the amount I originally paid. PayPal explained that this difference was due to currency conversion. However, since PayPal handled both the original conversion and the refund conversion, the consumer bears the loss even though the airline refunded the full amount. I contacted PayPal customer support and requested a review, but they stated they could not adjust the difference. I am requesting that PayPal review this transaction and reimburse the {$48.00} difference caused by the conversion process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/year>, a debt validation letter was received by Resurgent Capitol Services asking for more information to validate the alleged debt. In the letter it requires creasing collection efforts while the debt is in dispute. Since receiving the letter they sent XXXX emails in an attempt to collect on the alleged debt. Resulting in violations of my rights under 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: NC

Complaint narrative:
On Saturday, XX/XX/XXXX, I attempted to log into my Charles Schwab online account to review both my savings and checking account balances .. A message appeared saying, " For your security, access to this account has been suspended. For assistance call Schwab at XXXX. '' I called the number and the rep told me that he saw that my account has been flagged for review. He said I would hear back on Monday, XX/XX/XXXX regarding my access getting restored. On Monday, XX/XX/XXXX, I tried to login to my account and the same error message appeared. So I called that XXXX number again and explained that I spoke to a rep on Saturday and I was told that I would have my account access restored today. The Monday rep told me that my account is still under review. I asked for the case number and the phone number for their security team. That info is Case number : XXXX ; Phone # : XXXX. I asked the rep if there is an XXXX on when my account access will be restored and he said he didn't know. I asked him why is my account under review and he said it's due to potential fraud. I hung up and then called that XXXX number and left a message and have not received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I am a XXXX XXXX who filed my XXXX adjustment of status and XXXX Employment Authorization Document with XXXX on XX/XX/XXXX, while still in valid XXXX status. My biometrics were completed on XX/XX/XXXX, confirming active processing. My XXXX grace period expired on XX/XX/XXXX, but under normal XXXX processing timelines my EAD would have been adjudicated by early XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX imposed an indefinite processing pause on all immigration benefit applications for nationals of XXXX countries including XXXX XXXX My XXXX is now frozen with no timeline for resolution. I have been unable to legally work since XX/XX/XXXX, and what was expected to be a temporary administrative gap has become indefinite due to the government 's action. I contacted SoFi Lending Corp 's hardship line on XX/XX/XXXX, and spoke with representative XXXX ( Employee ID XXXX ) on a recorded call. I explained my situation and requested hardship forbearance. My initial request was denied. Only after I asked for the denial to be put in writing did SoFi offer a one-month disaster relief forbearance. SoFi processed this under their Government Shutdown/DisXXXX XXXX category because they confirmed they have no provision that specifically addresses loss of work authorization due to government action. I accepted the one-month forbearance and sent a written confirmation to XXXX documenting the terms and the true nature of my hardship. My concern is that XXXX month of forbearance is inadequate for an indefinite government-imposed inability to work. I acted proactively, before missing any payment, and I have never been delinquent on this loan. I am requesting that the CFPB review whether SoFi 's hardship provisions are adequate for borrowers who have lost income due to federal immigration enforcement actions, and that SoFi be directed to offer forbearance commensurate with the duration of the hardship not XXXX month at a time with no guarantee of renewal. I intend to resolve this loan in good faith as soon as my work authorization is restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Company shared my information without my consent to a 3rd party debt company. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> Discovered Card XXXX XXXX XXXX XXXX XXXX XXXX, IT XXXX RE : FORMAL DISPUTE, DEMAND FOR VALIDATION, AND CEASE AND DESIST Account Number : XXXX To Whom It May Concern, I am in receipt of your communication regarding the above-referenced alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), this letter serves as a formal dispute of the alleged debt and a request for validation. Under 15 U.S.C. 1692g, I request that you provide full validation of this debt, including but not limited to : The name and address of the original creditor ; The amount of the alleged debt with an itemized accounting of all charges, interest, and fees ; Copies of any contract, agreement, or instrument bearing my signature that created the alleged obligation ; Documentation demonstrating your legal authority to collect this debt ; Proof that the alleged debt has been legally assigned or transferred to your company ; Proof that the statute of limitations has not expired. Until such validation is provided, you must cease all collection activities as required under federal law. Additionally, pursuant to 15 U.S.C. 1692c ( c ), you are hereby instructed to CEASE AND DESIST from any and all further communication with me regarding this matter, except as permitted by statute. Be advised that any continued attempts to collect this alleged debt without providing proper validation, or any continued communication outside the narrow statutory exceptions, will constitute knowing violations of the FDCPA and may subject your organization to civil liability under 15 U.S.C. 1692k. Such liability may include statutory damages of up to {$1000.00} per violation, actual damages, attorneys fees, and court costs. Furthermore, reporting or continuing to report unverified or inaccurate information regarding this alleged debt to any credit reporting agency may constitute additional violations of federal law. If you can not provide the requested validation, you must immediately cease collection efforts and delete any related reporting to consumer reporting agencies. This letter is not a refusal to pay, but a notice that your claim is disputed and validation is required. Govern yourselves accordingly. Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
I requested hardship assistance in XX/XX/XXXX. The only option offered was deferring payments with added interest at the end of the loan The payment of {$420.00} is unsustainable, but I can pay {$300.00} consistently. I am trying to avoid default and repossession. They are telling me they do not offer change of payment or reducing interest rate ( only at end of the loan ). They are offering no help to me. The XXXX XXXX XXXX is worth less than what I owe on the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
write better i bought a XXXX XXXX XXXX XXXX XXXX from the company. The printer was shipped in separate parts. I received first the film and ink then 2 weeks after i received the actual printer from a carrier. the printer weighs about 200pounds. I had to hire someone to help me lift the printer out the crate and also install the printer on the mount because the printer arrived with no installation instructions. After having the printer mounted i needed future instructions to install the film. I was directed by XXXX XXXX to contact XXXX company in XXXX to get installation instructions. It took me 3 days to install the film. After installing the film in the printer i realize the film was bulking at the sides and loops in the film was present. This is after reinstalling the film 6 times after talking to customer support in XXXX. The printer is defective. i spoke to procolored and they said i can return the printer however XXXX XXXX has to handle the return process. XXXX XXXX is stated that they do not accept returns. I contacted affirm who handles the loan for this printer but they are favoring with the merchant because they already paid them and can not retrieve backs the funds. I have spoken to procolored who is willing to send me a printer that is 99 % new, basically a refurbished printer. I have a printer that doesn't work and a company that is dishonest and only want to take responsibility for damage product only during the shipping process. so if the printer is defective the customer needs to resolve the issue with the manufacture and if they can't XXXX XXXX claims they are not responsible for it. i have filed 3 disputes with affirm each time they have sided with merchant claiming that merchant has flied their delivery policy and return policy. I have summited proof to affirm showing the product is broken and they refuse to hold XXXX XXXX responsible. The last dispute they did not investigate they closed in favor of the merchant after i submitted documents to them in one day

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On Friday I deposited a third party check into my account. Over the weekend I was denied access to my account until I could take to a fraud manager on Monday. Thus today being Monday I called to follow up and I was informed that the check was accepted but my account will be closing by my funds will be held for 30-60 Days???!! This is completely unacceptable and if I dont pay my legal fees by this Friday I will be XXXX! This bank is literally putting my freedom at risk.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: CO

Complaint narrative:
I don't know if you are familiar with any of these new XXXX companies that are operating in the financial sector, but I'm having a terrible experience with one called " Relay. '' I think the business practices of this new industry as a whole are very suspect and probably not getting the attention and oversight that is really needed. In my case, I opened an account with Relay for my small business as it seemed advantageous for a small business owner like myself based on what they were claiming to offer. In any case, I opened the account ( which claimed you needed no opening deposit or account balance minimums ) and waited for two or three days to fund it with a check that I received from a client. As soon as I got the check and ran a mobile deposit, I was informed that I had somehow violated Relay 's terms of service and that my account would be terminated. I wasn't sure what to do since my check was in process and could get no helpful information from the foreign call center representative. So I waited until the check cleared ( which took an inordinate amount of time ) and since my account was still active and the funds appeared to be available in the balance on my portal, I tried to transfer them out. This kept being rejected and now Relay is telling me I have to wait for 45 days while they " investigate '' my account closure before processing the final termination and issuing me a check for my funds. So all that being said, I'm sitting here having a hard time paying my bills because Relay is holding my money ( almost {$5000.00} ) hostage with no explanation. I am seeing plenty of other examples of this same scenario online and so this seems like an industry that requires some scrutiny and I don't know where else to turn. I hope you might have time to look into this, even if it doesn't mean a speedy resolution in my own case, but might ultimately help others in the future and curb another predatory business model. Thank you for all that you do. Warm regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I opened the card while at XXXX XXXX and entering the park. I was offered a promotion in which is would receive {$150.00} statement credit if I spent {$500.00} within the first 30 or more days. I used the card in excess of {$500.00} in the first 30days and only received a credit of {$100.00}. I called and inquired as to why I did not receive the full {$150.00} credit and was told they would research and call me back. I called two more times after that because no one called me back. I am now approaching 30 days past due because they refuse to honor the promotion. I attached a screenshot from the FNBO website showing the promotion as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I filed a dispute. The merchant posted a pending transaction credit so I closed the dispute. Approximately a week later the company reversed the pending transaction. I want to reopen the dispute and Citibank will not reopen it. The merchant, XXXX, continually makes these mistakes and contributes it to system glitches. I have had XXXX such occurrences in the last two months. Always given the reason " system glitches ''. In my mind they are committing fraud and the bank not recognizing this is totally unacceptable. I have contacted both the bank, 4 times, and XXXX, 6 times about this one matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation