vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I disputed a charge with Capital One regarding a transaction with a jewelry merchant in XXXX ( XXXX XXXX ) for merchandise that was not fully delivered. The total purchase included both a XXXX XXXX XXXX XXXX. The merchant later claimed that all merchandise had been delivered and that the bracelet was never part of the paid transaction. However, the receipt and message correspondence show otherwise. The merchant repeatedly discussed remaking, sizing, and delivering the bracelet after the original purchase. The messages include requests for my address, bracelet measurements, and discussions regarding delivery timing to XXXX through an individual traveling from XXXX. The merchant also acknowledged delays and continued discussing future delivery of the bracelet. These communications clearly demonstrate that the bracelet had not been delivered at the time of purchase and was still being produced after payment. Capital One initially allowed the dispute process to continue and requested additional documentation from me on XX/XX/XXXX with a response deadline of XX/XX/XXXX. I unfortunately submitted my response on XX/XX/XXXX, only a few days after the deadline. Capital One later informed me that the dispute could not continue due to XXXX deadline rules and that the case could not be reconsidered, despite the substantial evidence submitted. I understand there are procedural deadlines within the XXXX dispute process. However, the dispute was never denied based on the merits of the evidence. The case was effectively closed solely because my supporting documentation was submitted a few days late. The disputed amount is {$1800.00}, and I respectfully request that Capital One conduct a fair reconsideration or determine whether any goodwill accommodation, courtesy adjustment, or alternative review process may be available given the substantial evidence of non-delivery and the minimal delay in my response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
It has been around a year ago and for no given reason Paypal closed out my account. They held my money as well as my customers money for almost 6 months leading the customer to believe I was a scammer or fraud. I had asked why my account was beig closed they claimed they didn't need a reason. For my type business being self employed I need PayPal and have had several sales. it has cost me a lot of customers and money for what they unfairly did. I also cant access the account to get any customer information and they say the account number can never be known again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Restricted Access to Citibank Account and Resulting Financial Hardship To Whom It May Concern, I am submitting this complaint regarding Citibank and the restriction placed on my bank account without adequate explanation or timely resolution. On or about XX/XX/year>, Citibank restricted access to my account and informed me that the account was under review for approximately 2448 hours. As a result, I have been unable to fully access my funds and banking services. I have contacted the bank and attempted to cooperate fully with all requested verification procedures. I have offered to verify my identity, explain recent transactions, and provide supporting documentation as needed. However, I have not received clear information regarding : the specific reason for the restriction, the status of the review, the exact steps required to restore access, or the expected timeline for resolution. This restriction has caused significant hardship. Because I could not access my funds : I was unable to purchase insulin medication, I was unable to pay my bills, and I was unable to attend my sons college graduation. To the best of my knowledge : all funds and transactions associated with my account are legitimate, I am the lawful account holder, and I am willing to cooperate fully with any reasonable verification requests. I respectfully request that Citibank : Provide a clear explanation for the restriction ; Complete its review promptly ; Restore access to my account and funds if no unlawful activity is found ; Provide written confirmation of any remaining requirements or concerns. Given the medical and financial hardship involved, I am requesting urgent assistance and review of this matter. Thank you for your attention. Sincerely, XXXX XXXX XXXX XXXX XXXX

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 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am requesting assistance regarding XXXX Capital One miles forfeited following closure of my credit card account. The account was closed after several returned autopayments. At the time, autopay was enabled, but my bank had converted the linked checking account into a money market account, which disrupted the existing payment setup without my realizing it immediately. I did not intentionally miss payments. Once I became aware of the issue, I paid the balance in full to a {$0.00} balance. I contacted Capital One customer service and an account specialist requesting a goodwill accommodation allowing temporary redemption access or another reasonable method to access the earned rewards balance, but I was told no exception could be made. I understand Capital One may choose to keep the account closed, and I am not disputing that decision. However, given that the balance has been fully repaid and the missed payments were tied to an autopay disruption rather than intentional nonpayment, I am respectfully requesting a goodwill review regarding forfeiture of the accumulated rewards. I am requesting that Capital One consider : - temporary rewards redemption access, - transfer of the rewards to another Capital One account, or - another reasonable accommodation regarding the earned miles balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal permanently limited my account without providing a meaningful explanation or identifying a specific policy violation. I was informed that the decision is final and not appealable. I attempted to resolve the issue through PayPal support channels but was unable to obtain clarification regarding the basis for the limitation or whether the decision was reviewed manually. This action has restricted my access to PayPal services and has negatively impacted my ability to conduct legitimate personal/business transactions. I respectfully request : * clarification regarding the exact reason for the permanent limitation, * manual review of the account decision by an escalation team. I am willing to provide additional verification documentation if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: CA

Complaint narrative:
I am filing this new complaint because Citibank provided deceptive information in my previous cases. After reviewing the merchant logs that Citibank finally provided in their last response ( Attachment Page 7, Line 40 ), it is clearly stated : XXXX CALLED TO CANCEL THE BOOKING ' on XX/XX/year>. This directly contradicts the bank 's final response letter where they claimed there was no evidence of me contacting the merchant. The bank failed to conduct a fair or good-faith investigation and is ignoring their liability for 'Service Not Rendered ' under Regulation Z. I demand a full reversal of {$3000.00} based on this evidence found in the bank 's own records.

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 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Debt Validation Request FDCPA 809 ( b ) Account : Multiple Alleged Balance : {$2200.00} Original Creditor : XXXX To Whom It May Concern : This letter is a formal request for validation of the alleged debt referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). This is not a refusal to pay, but a request for proof. You must cease all collection and reporting activity until you provide the following : 1. * * Complete chain of title * * showing legal ownership from the original creditor to your company. 2. * * Original signed contract * * bearing my signature. 3. * * Full itemized accounting * * of the alleged balance, including interest, fees, and charges. 4. * * Proof of your license * * to collect in the State of Michigan. 5. * * Proof of the Date of First Delinquency ( DOFD ) * * as required for accurate credit reporting. 6. * * Any documents you relied on * * to claim this debt is valid. Under FDCPA 807 and 809 ( b ), you must provide competent evidence. Under * XXXX v. XXXX * ( XXXX ), verification requires actual documentation, not internal data. If you can not validate this debt, you must : Cease all collection activity Delete the account from all credit bureaus Cease all communication except to confirm deletion Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: FL

Complaint narrative:
I had an astonishingly bad experience with a third party hotel booking website, called XXXX. They apparently have a reputation for booking hotel rooms that are not actually available, and I was no exception. I kept trying to confirm with the hotel, XXXX XXXX, in XXXX, AZ, that I had a XXXX XXXX XXXX XXXX, over the course of 10 days. Lot 's of fake assurances from XXXX, but no hotel room confirmation from the hotel. 2 days before my planned arrival, with still no hotel room, I attempted to cancel, but XXXX would not permit that. Still no hotel room. So I canceled my flight and disputed it to my bank, Citibank. Citi dispute Case ID : XXXX. To add insult to injury I had paid {$260.00} for free cancellation, which I found out doesn't apply to me. ( sneaky legal loophole, to pocket more of my money ) I talked to the manager of the XXXX, XXXX XXXX, ( XXXX ) XXXX. He told me that my reservation actually finally became active at XXXX XXXX ON THE NIGHT OF MY PLANNED ARRIVAL! Well that's not good enough. Only a XXXX would proceed to fly to XXXX with no reservation for a hotel room. So Citibank did an exhaustive investigation, and denied my request for a refund of my {$3500.00}. Citi didn't even care that I had paid {$260.00} for a refund guarantee, so they were using only {$3200.00} for me. This is ridiculous, and I can't believe Citi would not honor this request of mine. This is obviously wrong. XXXX XXXX ending in XXXX. I've uploaded the documents I have pertaining to my case. I want my money back. I have not tried to fight this with XXXX, as they are a company in XXXX with a questionable reputation. ( see attachments ). There isn't a snowball 's chance that they would do anything about it, believe me. But their email is XXXX.

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 2026-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: VT

Complaint narrative:
On XX/XX/ 2026, as I was reviewing my banking account activities, I noticed an ACH debit transaction which deducted {$92.00} from my checking account with the identifier " XXXX XXXX XXXX ''. I did not recognize the amount of this charge so I called XXXX customer service. At the time they could not identify the source of this charge so, believing that this ACH transfer was the product of fraud or mistake, I contacted my bank and reversed the charges. I later received a collection letter fromXX/XX/XXXX claiming that they represented XXXX and demanding the {$92.00} that XXXX attempted to take from my account. XXXX XXXX failed to validate the debt, as required by Federal law, prior to commencing collection efforts. It is within the realm of possibilith that this may be a scam involving employees of XXXX and XX/XX/XXXXs to extort money from XXXX customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
Collection Management is reporting a collection account for an alleged medical debt with original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1000.00}. On XX/XX/year> I sent Collection Management a certified written dispute and debt validation request. Delivery was confirmed XXXX XXXX XXXX. The 30-day investigation deadline expired XXXX XXXX XXXX. Collection Management has failed to provide the full name and address of the original medical provider, the date of service, a detailed itemized statement showing how the {$1000.00} amount was calculated, and a copy of any agreement authorizing Collection Management to collect and report this debt. Despite this failure they continue furnishing this account to consumer reporting agencies. Under recent medical debt reporting changes, medical collection accounts under certain thresholds are subject to heightened scrutiny and this account has not been properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
all three indigo credit cards have been closed and charged off by the company. when i called to see what happened, they asked me to submit documentation if it was not fraud. I did so, however, they have not reopened my accounts or at least gave me access to pay them off. Should not be a charge off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Ive done the research and I've tried reaching out by phone a few different times can't get anyone on phone. so I've had to do a live chat an I've asked to change by date and they are telling me I can't change it to the date I want even know online it says I can log as i don't exceed 15 days and they are telling me they can't due to policy I've asked them to speak with someone higher then them they said it won't change. one person told me I would get a call in 48-72 hours never got a call now bill is late and I've reached out again an same thing except this person refused to get someone higher involved said it wouldn't change anything.. I just want to make sure that they follow what information they put online is followed an them just saying they can't due what is said online and saying its policy... If its policy it needs to be stated online .. feel they don't care about their customers and just want to get their money or to repo the car .. had to ask for a extension but they can't guarantee that it will be approved..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX, during my post-graduation transition period, I contacted Aidvantage to discuss repayment relief options because I knew my federal student loans would soon enter repayment after my grace period ended. During my communications with Aidvantage, I was informed that I did not have additional forbearance available on my account. I later learned that Aidvantage had placed an administrative forbearance on my account from XX/XX/XXXX through XX/XX/XXXX. I was not informed that this administrative forbearance had been applied, who initiated it, or that it was separate from the standard discretionary forbearance typically available to borrowers. Because of this lack of explanation, I reasonably believed this status was part of my normal forbearance eligibility. After the administrative forbearance period ended, I again sought repayment assistance from Aidvantage. I was repeatedly informed by representatives that no forbearance options were available to me. Based on information I later received from other representatives, it appears the administrative forbearance status prevented standard forbearance options from appearing or being processed correctly on my account. In XX/XX/XXXX, because I believed forbearance was unavailable, I attempted to apply for hardship deferment in an effort to avoid delinquency and remain in good standing. Despite my repeated efforts to proactively seek repayment assistance, my account became delinquent beginning XX/XX/XXXX. Aidvantage later began reporting delinquency to the credit bureaus on XX/XX/XXXX, and continued reporting negative payment history for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. As a result of this reporting, my credit score dropped by more than XXXX points, causing substantial financial harm and negatively affecting my ability to access credit and financial opportunities. I disputed the reporting directly with Aidvantage and requested a review of the servicing history, call records, and account status handling. I explained that I had actively sought repayment assistance before delinquency occurred and that I was provided inconsistent and misleading information regarding my available forbearance options. Aidvantage denied my request and stated that the reporting was accurate without adequately addressing the servicing confusion and inconsistent guidance that contributed to the delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XXXX XXXX, Chime closed my checking account with no warning. Their excuse was because I had a bankruptcy that was filed. Actually this was a refile for a XXXX XXXX because I had one done back in XXXX of last year, we were living in a mobile home that had a mortgage and rent, also a vehicle under this Bankruptcy. Chime did not close my account, I even had a XXXX XXXX about over 7 years ago, Chime never closed my account then. Now this time they did, which in fact this checking account I depended on for my tax refund and my pay from my job, and to use for bill pay. This caused significant hardship against me and my family and caused for us to have to go to eviction court because I was not able to get my money from my job and also from my tax refund in which I was supposed to get back on the XXXX of XXXX after an email was sent. I had a conversation with Chime to see about getting my account back to being reopened after they closed it and they did not want to, they did not care. No matter if this was the second XXXX XXXX to file so then my finances could afford just paying for a vehicle under this bankruptcy and no longer having large amounts of money being deducted by my account for a house and rent that I do no longer reside at.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I was a victim of a theft. I was drugged and robbed of my phone and my ATM card. The thieves were able to get my phone passkey and evidently my debit PIN while I was drugged. The thieves stole {$7500.00} from my SoFi bank account. I disputed the transactions, and SoFi refused to reimburse the fraud. I appealed their decision and provided the police report of the incident and they still refused to return my stolen funds.

Company response to consumer: Closed with explanation