vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I am filing this complaint because I have several concerns linked to XXXX recent transactions made through PayPal that later required disputes to be filed under PayPal XXXX buyer protection. 

From my recent experience with these cases, it's clear that XXXX dispute framework is structurally incapable of handling legitimate billing errors that fall outside narrow predefined categories, leading to denial without due consideration. 

XXXX dispute system forces both customers and PayPal employees into narrowly defined categories. When a real-world situation does not cleanly fit those categories, the system defaults to denial not because the claim lacks merit, but because the framework can not accommodate it. 

XXXX dispute system forced my case into an incorrect category despite clear evidence of a billing error and duplicate payment. XXXX framework relies on rigid, narrowly defined dispute categories that do not account for real-world scenarios that fall between them. As a result, cases that do not perfectly match a predefined category are denied without meaningful human review, reassignment, or follow-up. Even after contacting PayPal directly, the reviewer could not re-slot the dispute appropriately due to limited categorization leading to subsequent denials. This represents a failure of XXXX dispute categorization framework and undermines the buyer protection PayPal advertises. 



I contacted PayPal multiple times and submitted extensive documentation. However, PayPal did not address the substance of my issue. Instead, my case was forced into rigid and limited dispute categories that are not robust enough to account for many real-world situations. When a dispute does not fit neatly into these predetermined classifications, it is denied by default. 


To be clear, XXXX dispute system DOES allow human review and reassignment of the case category ; however, this mechanism FAILS when no available dispute category accurately reflects the billing issue. In such cases, disputes are reassigned into incorrect classifications and then later denied AGAIN DESPITE clear evidence. 

Contacting customer service did not resolve the issue. PayPal representatives are constrained by the same rigid framework and lack the authority to reclassify or escalate cases that fall outside the predefined categories, even when the evidence clearly demonstrates a billing problem. As a result, legitimate disputes are denied and dismissed not on their merits, but due to limitations in XXXX dispute categorization system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: MI

Complaint narrative:
After receiving several emails from a company called Tek Collect I asked on XX/XX/XXXX via email for the company to provide validation of the debt. The did not respond at all with this information and it is now XX/XX/XXXX XXXX  days after I requested validation. The company has failed to provide validation for the {$2000.00} they are attempting to collect from me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX a XXXX XXXX transaction for {$300.00} was authorized using my Cash App Card ( funded by my Cash App balance ). I only intended to purchase one item, but multiple items were charged. XXXX XXXX cancelled the extra items and adjusted the total to {$28.00}, issuing a refund for {$280.00} and voiding the original authorization. 
Despite the merchant reversal/void, Cash App still shows the full {$300.00} as Pending and has not released the authorization hold, leaving me without access to my funds. Cash App support is refusing to release the hold early and told me to wait until XX/XX/XXXX. I am requesting immediate release of the pending authorization hold and restoration of my available balance since the merchant voided the transaction and the final amount is {$28.00}. I can provide merchant cancellation/refund confirmation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
This is PayPal but I did not see PayPal as an option so I selected the next best option. 

Anyway, I ordered XXXX items from XXXX on XX/XX/2025. I ordered a silicon mold, a bag of glitter and a sticker. What I received were XXXX bottles of a feminine supplement, obviously not the same thing. I tried to resolve this with XXXX but the seller refused to cooperate so I escalated to PayPal. I sent them the pictures of what I received which clearly shows XXXX bottles of feminine supplements. They denied my case stating I did not provide tracking information. They never asked me for tracking information although it is clearly visible in the picture I sent them ( and attached here as well ). This is such nonsense. All I want is a refund for the items I did not receive. 

My PayPal transaction ID : XXXX The XXXX  items that I did not receive : Item : 1pc Crystal Epoxy Resin Mold Girl with Flute Angel Mirror Shiny Silicone Mould DIY Crafts Decorations Ornaments Casting Tool Item # : XXXX Item : XXXX Holographic Mixed Hexagon Nail Sequins Sparkly 3D Nail Art Chunky Glitter Charms Dazzling Paillette Manicure Decor... 

Item # : XXXX Item : XXXX UV DTF Wrap Transfer Stickers Cute Dwarf Design DIY Waterproof Wrap For 16OZ Glasees Cups Mugs DIY Decal Item # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Braviant Holdings, LLC
State: NC

Complaint narrative:
Company name : XXXX XXXX XXXX  ( loan originator ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Product : Personal loan / Line of credit I am a North Carolina consumer with a high-cost loan originated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The stated XXXX on this account is approximately 244 %, which I believe is predatory and not sustainable. 

The loan is structured so that the vast majority of each payment goes to interest, with little to no reduction of principal. This creates a debt trap rather than a reasonable path to repayment. 

I am experiencing financial hardship and have formally revoked XXXX authorization under the Electronic Fund Transfer Act ( Regulation E ). Despite this, I am concerned about continued pressure to make payments under terms that are not fair or affordable.

I am requesting regulatory review of this loans structure, disclosures, and servicing practices, as well as assistance in obtaining a hardship accommodation, interest reduction, or other reasonable resolution. 

I am not refusing to resolve the debt ; I am seeking fair treatment and relief from a loan that is causing ongoing financial harm. 



I am requesting hardship consideration, fair repayment options, interest or fee reduction, and confirmation that XXXX authorization has been revoked. I also request that all communication be in writing. 

I reside in North Carolina, where payday lending is prohibited. 
This loan would be illegal if not structured through a bank partner. 
I believe this loan warrants regulatory scrutiny due to its excessive APR and debt-trap structure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: NM

Complaint narrative:
I applied for mortgage assistance/ forbearance with United XX/XX/XXXX due to financial hardship and difficulty sustaining my current monthly payment. During the review period, I was informed and shown that my mortgage payment due for the month was {$0.00} due. I relied on that information while the application was under review. 

The assistance application was later denied without a real clear or detailed explanation. After the denial, my account was marked delinquent, and I was informed that I now owed multiple monthly payments to become current. This delinquency resulted from servicer miscommunication during an active assistance review, not from a refusal to pay or lack of engagement on my part. 

I have contacted United Wholesale Mortgage multiple times to request clarification on regarding why my payment was shown {$0.00} during the review and to seek a permanent resolution. I have explained that my current monthly payment is no longer sustainable and that lump-sum catch-up or repayment is not feasible. 

I am requesting review for a loan modification to establish a sustainable monthly payment and resolve the delinquency without requiring lump-sum payments or repayments. I am employed, actively communicating, and seeking a reasonable and permanent solution to keep my loan in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, after the bank approved a credit limit increase and instructed me to verify my card for mobile wallet use, my account was later flagged internally as possible fraud based on that verification call. I never filed a fraud claim. Despite this, the bank closed my account without completing a proper investigation and denied reopening it. Management promised a follow-up call that never occurred. 

The balance was originally {$900.00}, but after the account was closed, the bank continued charging interest and late fees, increasing the balance to {$1000.00}. Two late payments were reported to the credit bureaus after the account was already closed and I no longer had access to manage it. These are the only late payments on my credit report. 

To prevent further damage to my credit, I paid the balance in XX/XX/XXXX and later paid additional interest charged through XX/XX/XXXX. Payment was made under pressure to protect my credit, not because the charges were valid. 

I am requesting correction of the inaccurate credit reporting, removal of the late payments, and a refund of improper interest and fees charged after account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I am filing a complaint regarding PayPals failure to properly apply Buyer Protection to Significantly Not As Described collectible items. 

I purchased XXXX box collectible items through XXXX and paid via PayPal. These items are collectors pieces where the condition of the packaging is essential to the items value. The items arrived with crushed and structurally damaged boxes, rendering them worthless as collectibles, even though the internal contents were intact. 

The seller refused replacement, refused return, and refused refund. I provided PayPal with extensive photo evidence of the damage, proof of delivery, and screenshots of the sellers refusal to resolve the issue. 

Despite this, PayPal denied my disputes without clearly explaining what additional information was required and appears to have incorrectly categorized the damage as cosmetic. For collectible items, damaged packaging constitutes total loss of value, making the items Significantly Not As Described under PayPal XXXX XXXX. 

PayPal has failed to explain why XXXX XXXX does not apply in this case and has not provided a meaningful review despite appeals. 



Transactions Involved Transaction ID : XXXX Amount : {$180.00} USD Transaction Date : XX/XX/year> Transaction ID : XXXX Amount : {$170.00} XXXX  Transaction Date : XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Citibank has horrible customer service using taped and unnecessary automation to avoid answering XXXX  calls at various times. In a complaint you all closed Citibank lied about contacting me twice, they called once and then refused to answer calls afterwards and left XXXX voicemail that is saved ( only XXXX ) and then refused to get to a case XXXX saying they were were in meetings. In disputes they ask duplicate questions ( the same questions they already asked over XXXX phone in order to discourage disputes. In my very last complain, they use a method of calling at an in opportune time then refuse to answer call backs. They also move around money without any explanation.After my lady complaint {$30.00} dollars appeared in my account without explanation and it did not appear in green. When they make mistakes they hide them. I did not agree to when I signed this account to having mail come across rye country and send it back which takes several weeks just to settle a dispute. It is switch and bait and I never would have signed up for this account with Citibank had I know that. I already answered their questions and want my money back from XXXX XXXX in a XXXX dollar dispute. This game they are playing in the Executive Office lying about they calked me twice. I have one voice mail only. Please get involved they XXXX  scammers. Any money XXXX  appears in my account or adjustments I want a full explanation for at ALL TIMES AND THE REASON FOR IT.

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 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I contacted Affirm to request correction and verification of my identity after my account began declining purchase attempts due to an identity verification issue. I am an active Affirm customer with multiple existing loans, all of which I have paid on time with frequent, consistent payments. 
Despite my active account status and ongoing payments, Affirm representatives stated they could not verify my identity. No explanation was provided as to what information was inconsistent or why identity verification suddenly failed, especially given that my identity had previously been verified sufficiently to issue loans and continue accepting payments. 
I repeatedly explained that no personal information had changed and that I was willing and able to provide any documentation immediately, including governmentissued identification. I uploaded requested screenshots and identification documents during the chat, but was told verification could not be completed through live support and would require escalation to a backoffice XXXX XXXX with a 37 business day delay, despite the urgency of the issue. 
This situation appears contradictory and potentially deceptive because : The company continues to accept and process my payments While simultaneously stating they can not verify my identity And refusing to allow the same identity to be used for purchases or account use Additionally, during the chat, I requested a phone number to escalate the issue. I was initially told no phone support was available, but after continued escalation, a phone number was suddenly provided. This inconsistency raises concerns about transparency and accuracy in customer communication. 
As a consumer, I find it troubling that my identity is considered valid for payment collection but invalid for account usage, without explanation or timely resolution. This experience feels misleading and potentially fraudulent. 
I am requesting review of : Affirms identity verification practices The inconsistency between payment acceptance and identity denial The lack of transparency and delayed resolution The contradictory statements regarding customer support availability

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
i had a care credit account and they messed up my payments and were taking them with a late fee added for the previous month that they claimed i didnt pay for, which was wrong. then i got sent to synchrony bank for debt collection and made a payment plan with them, i have every confirmation number and i am getting repeated calls every day and they blow my mothers phone up aswell, they claim they have no payment for XXXX and i have explained that i have a confirmation number and they do have a payment for XXXX, but the agent said that they took out XXXX payment in XXXX, XXXX in XXXX and XXXX in XXXX, so they have once again messed up my payments and are blowing my phone up when not a single payment has been late, i know because i have them set as automatic. they claim my payments werent taken out in XXXX and in XXXX but my statements show they didnt even attempt to take them out

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 2026-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United We Collect, Inc.
State: PA

Complaint narrative:
I am disputing a debt being reported by a collections agency for an ambulance service allegedly provided by the XXXX XXXX Department on XX/XX/XXXX, in XXXX, Florida. 
I did not receive ambulance services on this date and have not been in the state of Florida since XXXX. The charge is factually impossible and appears to be the result of a billing or patient identification error. 
Despite this, the account was sent to collections and reported to credit bureaus. I have disputed this debt with the credit reporting agencies and requested validation from the collections agency. 
I am requesting that the collections agency be required to validate this debt or immediately cease collection efforts and remove all credit reporting related to this account. 
In addition, my health insurance provider has advised me that they are disputing this charge as well, as there is no record that it was I who received ambulance services related to this alleged debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
{$5300.00} dollars I have in a checking account with them. I no longer have access to it and theyre giving me the run around as to why I cant access my funds or when I will receive them. They said its nothing they can do. I dont have months and months to wait to receive my funds. They have not been helpful with getting my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The company has immobilized my card and has refused to unlock it. There was no fraudulent activity associated with my account. I have verified my transactions and identity. They have indicated that they may take up to XXXX days to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NH

Complaint narrative:
Issue : Delayed availability of mobile check deposit after stated availability date On XX/XX/year>, I deposited a check via XXXX mobile deposit feature. The application explicitly stated the funds would be available the following business day ( XX/XX/XXXX ). 

The check is a {$3800.00} IRA distribution issued by XXXX XXXX, payable to me. I have deposited similar retirement checks previously without issue. 

The funds were not made available on the stated date. Upon contacting SoFi support and escalation to an account manager, I was informed there was no issue with the check and no further action required from me, but that the deposit was subject to a 15 business day internal review process.

SoFi was unable to provide : 1. The date the review period began.

2. A firm availability date.

3. Clear disclosure at the time of deposit that the stated availability date was conditional.

This resulted in unexpected and undisclosed delay in access to funds after a specific availability date was presented in the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this as a supplement to my prior CFPB complaint submitted on XX/XX/2026 regarding XXXX XXXX purchase dispute ( s ) on my Chase credit card. I can not add updated information to the existing CFPB case in the portal. 


New information/problem : As of XX/XX/2026, Chase shows no open dispute/chargeback case for the transactions at issue, and Chase has not provided any dispute case number, closure letter, or written determination. This is not a billing error. This is a purchase dispute/merchant dispute ( services not provided as paid-for value and the merchant refuses refunds for unused services ). 


Transactions : XXXX XXXX tutoring package charge : {$3100.00} ( unused services remain ) XXXX XXXX XXXXXXXX XXXX XXXX : {$4100.00} Requested resolution : Chase must identify and provide the dispute/chargeback case number ( s ) and status for each transaction, or confirm in writing that no dispute was opened and state the specific reason and policy/rule relied upon. If no dispute exists, I request Chase open a purchase dispute/chargeback now or provide a written refusal with the specific basis.

Company response to consumer: Closed with explanation