vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I received two refunds from my school for overpaid tuition : {$2200.00} on XX/XX/year> ( Transaction ID : XXXX ) {$1200.00} on XX/XX/year> ( Transaction ID : XXXX ) I chose PayPal as the payment method for both refunds, and the funds were deposited into my PayPal account. Both amounts have been held in my PayPal account for over 120 days, and I am unable to withdraw them. PayPal requires verification of my original email address, which I no longer have access to, and because my account is still limited, I can not add or confirm a new email address or link a bank account. I have contacted PayPal multiple times and also contacted the sender of the refunds to see if the funds could be reissued via another method, but they confirmed that the money has already been sent to my PayPal account. I urgently need these funds to cover medical expenses for my family, and PayPals failure to release the money has caused serious financial hardship. Despite repeated attempts to resolve this directly with PayPal, my account remains limited and the funds remain inaccessible. I am requesting that PayPal be required to manually release both refunds and/or lift the account restrictions, so that I can access my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
On XX/XX/2026, I discovered my PayPal business account had been permanently limited when a business transaction was declined. I received no email notification, written notice, or advance warning of any kind before or after the limitation was applied, in violation of PayPal 's User Agreement Section XXXX. I contacted PayPal by phone to understand the reason for the limitation. I was told verbally that the account was disabled, that they can not disclose the reason due to internal policy, and that only an attorney subpoena can compel disclosure of the reason. No written explanation was provided. At the time of limitation, my account held approximately {$2200.00} in cryptocurrency and {$40.00} in cash balance totaling {$2300.00}. These funds remain frozen with no explanation and no release timeline provided. My account was used exclusively for legitimate business purchases and payments to freelancers and contractors. The only dispute on my account was a legitimate complaint against a company for an unauthorized {$59.00} charge for a service I explicitly declined, for which I have written confirmation from that company agreeing to issue a full refund. I submitted a formal written appeal to PayPal 's Executive Escalations team on XX/XX/2026. PayPal has not responded. I am requesting the CFPB compel PayPal to provide the specific reason for the account limitation, release all held funds totaling {$2300.00} immediately, and either reinstate the account or provide a formal written denial with legal basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 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: MD

Complaint narrative:
I have been a member of PayPal for over XXXX years ( " PayPal Account '' ). I also have the PayPal XXXX XXXX ( " PayPal Card '' ). I am able to use the PayPal Card in person and through one time purchases on my PayPal Account without issue. However, whenever I try to set up a recurring payment ( a " subscription '' ) PayPal fails to use my card and instead charges my bank account. For example, I had a recurring transaction to pay XXXX. The payment to them on XX/XX/XXXX for {$20.00} had no issues and successfully charged my card. The next month ( XX/XX/XXXX ) for the same amount it was unable to charge my card and instead charged my bank account. Similarly, I had a recurring payment to " XXXX XXXXXXXX XXXX XXXX XXXX '' which charged on the XXXX of every month ( {$39.00} ). The charge on XX/XX/XXXX failed to charge my card ( and instead charged my bank ). The one a month earlier ( XX/XX/XXXX ) properly charged my card. What happened in between XX/XX/XXXX and XX/XX/XXXX that prevents me from using my card for subscriptions? If this is any clue, on PayPal 's " subscriptions '' tab, when I go to " update my payment method '' it lists a paypal mastercard number that I do not recognize ( see photo ). It could be that the system is not synching properly and when it goes to charge this fake number, realizes it isn't an actual card, and defaults to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
My Mohela student loan account is showing a past-due balance of {$2300.00} and says Ive missed XXXX payments as of today ( XX/XX/year> ). Both of my XXXX loans are marked past due even though Ive never missed a payment. Ive had autopay set up for at least the last XXXX years. My bank statements clearly show a withdrawal of {$200.00} {$200.00} every month ( usually around the XXXX or XXXX ) going straight to MOHELA XXXX MO XXXX. Ive attached the full list of those transactions going back XXXX months ( as far back as my bank account can go ). The loan balance has also been dropping it went from {$16000.00} down to {$14000.00} by the end of XXXX so the money has definitely been leaving my account but since the start of loan repayment till now, Mohela has ceased posting the payments to my account. This isnt the first time this has happened. About a year ago I called Mohela because the exact same thing showed up calling my spouse and workplace for past due amount and although the payments appeared to be sent, I still had to send an extra manual payment to clear it. Now its back again. Ive already filed disputes with Mohela, the Department of Education, and XXXX, but nothing has been fixed yet. Im attaching my latest bank statement showing all the autopay withdrawals plus the current Mohela screen that shows the false past-due amount and missed-payments alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PRG Ventures, Inc
State: VA

Complaint narrative:
All of my account information is accurate and consistent. I have maintained the same bank account for over 10 years, receive steady weekly income, and have been with the same employer for over 2 years. I have also been using your app since XX/XX/year> and have a history of responsible usage and repayment. Given this, there is no reasonable explanation for my denial. This decision appears inconsistent with my account history and raises concerns about the accuracy and fairness of your system. I am requesting : An immediate review of my account A clear and detailed explanation for the denial Correction of any errors affecting my eligibility If this issue is not resolved promptly, I am prepared to escalate this matter by filing formal complaints with the and the, as well as sharing my experience through appropriate consumer channels. Please treat this matter with urgency and provide a resolution as soon as possible. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have been a Citibank credit card customer since XXXX, maintaining a perfect payment history for approximately 39 years, with no late or missed payments ever. In XX/XX/XXXX, I disputed several charges from XXXX totaling {$24.00} per month from XX/XX/XXXX through XX/XX/XXXX. Citibank reviewed the dispute and credited the charges back to my account, resolving the dispute in my favor. However, after resolving the dispute, Citibank closed my long-standing account and issued a new credit card with a different account number, despite my flawless payment history and no wrongdoing on my part. Following this action, my credit score dropped significantly from approximately XXXX to around XXXX, which appears to be the direct result of Citibank closing my 39-year-old account. I contacted Citibank and confirmed : My original account was opened in XXXX I have never had a late or missed payment The account was closed following a successful dispute resolved in my favor Given my 39 years of perfect payment history, the small amount involved, and the fact that the dispute was resolved in my favor, I believe closing my long-standing account and negatively impacting my credit profile was unreasonable. I am requesting that Citibank : Restore the original account open date of XXXX, or Merge the credit history from my original account with my new account, or Otherwise correct the credit reporting to reflect continuity of my long-standing account relationship. Given the significant impact to my credit profile, I respectfully request that this matter be reviewed and resolved as soon as possible.

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 2026-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
America Honda Finance Reported late payments after I had purchased my XXXX XXXX after the end of the XXXX ( XX/XX/year> ) I had been unknowingly sending payments to Honda XXXX department for months, and the mistake was not rectified until they threatened to repossess the vehicle. I settled the account lump sum and have been continuing payments. Honda Finance XXXX Department returned the money that I was paying to the other account. Because I was making monthly payments to Honda, and it was an internal accounting error I do not believe this should affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: V and H Portfolio
State: TX

Complaint narrative:
Someone stole my identity and got a loan for {$2000.00} that was due in 1 month. I did not apply for this loan. I did not recieve any money from this company and it now on my credit report. I want this removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Truist Checking Account : XXXX Complaint : I am filing a complaint against Truist Bank regarding a failed stop payment request and an improper fee. On XX/XX/year>, I requested a stop payment on a {$460.00} transaction to XXXX XXXX. I was explicitly informed by a Truist representative, XXXX, that the payment would be successfully stopped within XXXX business day. Her failure prompted me to speak to her XXXX, XXXX. Despite this assurance, the transaction was not stopped and {$460.00} was withdrawn from my account. In addition, Truist charged me a {$35.00} stop payment fee for a service that was not successfully performed. I relied on the banks representation, and this failure caused financial harm and inconvenience. The bank did not deliver the service for which it charged a fee. XXXX requested : Refund of the {$35.00} stop payment fee Corrective action regarding the {$460.00} transaction Explanation of why the stop payment failed despite confirmation. A review of the antiquated process of the stop payment by Truist. It was an internet transaction but the process was treated like a paper transaction. I am requesting prompt resolution of this 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
Consumer complaint received 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had two disputes through chime for unauthorized transactions, The first one being On XX/XX/XXXX in the amount of XXXX which is a chargeback because I paid paid for a service I did not get. They have denied my claim 2 times. I have provided all necessary documents including a tracking number for the money that was refunded to XXXX from the hotel. On XX/XX/XXXX the money was sent back to chime. Per there policy a dispute can take up to 30 days. My claim was denied for reason I do not know, but the money was refunded and I was denied. My second dispute is unauthorized transaction that chime told me to dispute for XXXX. Ranging from a multitude of transaction and I was denied twice. I want my money deposited back in my account please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, I booked flights through XXXX XXXX XXXX using my American Express Hilton Honors Card. During the checkout process on the XXXX website, I was presented with an option to use American Express Plan It, described as a way to 'pay later ' in monthly payments. This language, 'pay later ', is the same language used by Buy Now Pay Later services like XXXX and XXXX, which defer the charge and only bill you in installments. I understood it to mean the same thing : that the purchase would not charge to my card immediately, and I would only be billed monthly. That is not what happened. The full {$270.00} ( XXXX XXXX XXXX charges for {$130.00} ) was charged to my card immediately, and an additional {$79.00} fee was added on top, bringing my total to {$350.00} spread over 24 months. I did not understand I was agreeing to a financing fee. I did not understand the charge would post immediately. The term 'pay later ' is factually inaccurate for this product because the consumer pays now and continues paying later, with an added cost. American Express uses 'pay later ' language on their own website at americanexpress.com to market Plan It. This language is deceptive because it implies deferred payment when no deferral occurs. A reasonable consumer reading 'pay later ' at checkout would not understand they were agreeing to immediate billing plus a financing fee. Amex doesn't allow for cancellation or modification of their Plan It plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/year> I deposited a cashiers check in the amount of XXXX into my Citibank checking account. The check is from XXXX XXXX which was a direct deposit from the IRS. They are holding funds as they claim to suspect fraud and wont release even some of the funds until XX/XX/XXXX. I have spoken to several customer service representatives as well as 2 branch managers- all of them claim they have no access to lift said hold and that their systems automatically held the check. One of the branch managers from the XXXX XXXX was helpful in that she said even if she called to verify the check- it would still be held. Their website and published documents online state they will release a portion of the funds. I am left with nothing. I need my money. Help!

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 2026-03-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I found an unused, {$100.00} Master Card gift card that had fallen between file folders in my file cabinet. It is in its original packaging. I dont recall who gave me the gift card. There is no telephone number to call on this gift card. For customer service the card refers me to XXXX, which is an invalid website. The card indicates expiration of XX/XX/year>, but I am in California where law prevents gift card expiration. I called Mastercard gift card services at XXXX and they said they didnt issue this particular Card and it wasnt their problem, that other companies issue Mastercard gift cards, too, but had no information to help me get closer to getting to use this card. I attempted to use the card and it was declined. I have no way to get any information on this card.

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 2026-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AR

Complaint narrative:
Parties Involved : XXXX XXXX XXXX Jefferson capital LLC I sent dispute letter to all four companies demanding that this account be Deleted. XXXX is the original Creditor and Jefferson capital is the Debt collector who bought the Debt. This account is over 10 Years old. Jefferson Capital used Fake/Falsifyed documentation to verify this account with all three credit beaureus. All three credit beaureus was sent letters asking to verify debt. Debt was not verifyied accuratley. I asked for Original contract bearing my signature, complete payment history, documentation providing the Date of first Deliquency ( DOFD ) and proof that the account has not been re-aged. The only thing I was sent was a Fraudlent Bill that was created by Jefferson capital. XXXX XXXX XXXX XXXX Has not did a proper investigation on this account. this account is well over 7 Years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I took a loan out through Honda financial with my son cosigning and this was in XX/XX/XXXX. I paid off the loan in XX/XX/XXXX. I never really looked at my credit report for years but noticed recently that Honda financial never put that loan on my credit report and the reason Im upset is because I was never late with one payment -not even one- I paid it on time every single month for 4 years! My credit report is so eager and quick to put bad things on my credit but when I actually deserve points for paying on time, I dont get any positiveness from that. In fact, Honda financial is not listed on my credit report at all. Im the one that paid the monthly payments every month, not my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting a complaint regarding JPMorgan Chases closure of my personal account and the delay in releasing my funds. Chase closed my personal account without providing a clear explanation beyond general references to internal policies. While I understand that financial institutions may make account closure decisions, I currently do not have timely access to the remaining funds held in my account. I am not disputing the account closure or requesting reinstatement. I am solely requesting prompt access to and release of my remaining funds. The approximate amount of funds currently being held is {$5200.00}. These funds are needed for personal financial obligations, and the delay in releasing them is causing hardship. I have contacted Chase customer service to request assistance. Specifically, I requested an explanation for the account closure, a timeline for the release of my funds, and that the funds be released via certified check or wire transfer. However, I have not received a clear explanation or a specific timeline. I am requesting that Chase promptly release my remaining balance through one of the following methods : 1. Issuance of a certified check available for in-person pickup, or 2. Wire transfer of the funds to a bank account of my choosing I am willing to provide any necessary verification to facilitate this process. I respectfully request assistance in ensuring that Chase provides a clear timeline and releases my funds without further delay.

Company response to consumer: Closed with explanation