vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 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:
The merchant XXXX XXXX XXXX XXXX located in Washington D.C. received two separate payments for the same service with order number XXXX. Payment 1, made on XX/XX/year>, was sent via XXXX for the amount of {$620.00} from a joint XXXX XXXX account belonging to my husband and me. Payment 2 was processed on XX/XX/year> with my Capital One credit card for the amount of {$640.00} ( the difference of {$18.00} is credit card convenience fee ). Both payments were made because Payment 1 was initially placed on a security hold by XXXX XXXX, who stated the transfer would not be processed. Relying on this notice, we proceeded to make Payment 2 using my Capital One credit card to complete the order. However, later that day, XXXX XXXX retroactively processed the XXXX payment, resulting in an immediate double payment. The merchant has kept both payments and refuses to confirm receipt of the credit card fund of {$640.00} and to issue a refund for the credit card overpayment. Capital One is failing to properly investigate a billing error. The merchant, XXXX XXXX XXXX XXXX charged my credit card {$640.00} for a service that was already fully paid for by other means.The base price of the service was {$620.00}, which was paid directly to the merchant via XXXX.The merchant has collected a double payment totaling {$1200.00} for a single {$620.00} service. Capital One previously denied my claim as a 'duplicate card charge ' because they automately compared the {$640.00} card charge against the {$620.00} XXXX payment and failed to account for the {$18.00} merchant processing fee.Capital One also improperly dismissed the claim because the XXXX transfer came under my husband 's name, completely ignoring that both payments explicitly reference the exact same Order # XXXX for our household.I have provided clear evidence of payment by other means. I demand that Capital One permanently credit my account for the {$640.00} overcharge. '' XXXX XXXX XXXX XXXX refuses to confirm receipt of the {$640.00} credit card payment or issue a refund, claiming there is an error on the credit card processing side. Capital One, on the other hand, is failing to properly investigate the dispute or assist me with the chargeback process under federal billing error protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have had my PayPal account for the past few years, engaging in regular transactions such as sending and receiving money, and also using PayPal for checking out when online shopping. In the past year, I have started receiving Goods & Services payments in part of online selling ( specifically, selling XXXX XXXX ). I have recently paused my selling and my last few transactions on PayPal was buying XXXX XXXX. Last week, on XX/XX/year>, I received an email from PayPal saying that they are no longer offering services to my account and that it has been permanently deactivated after an account review. I reached out to customer support and all they can say is my account profile was too risky and could not provide any more information, especially when I specifically asked what was the reason for my account deactivation and explained that I transacted properly and did not violate any terms. They did not provide a reason as to why and did not allow me to escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
A combination of Hackers Scammers {$8000.00} and {$2000.00} was withdrawn from Region date XXXX Bank overlooking Laws, Policies and Banks Regulations on going for years I have had XXXX XXXX Dollars if XXXX XXXX XXXX XXXX XXXX. XXXX XXXX had me to get police report, a license computer company to diagnostic. And they found I was targeted with social engineering scheme, originally from a phone number. They then/now XXXX XXXX XXXX XXXX they don't cover help of scammers losses. Most of all a combination of Hackers and Scammers impersonating XXXX, feeling like they should help me another big company XXXX ATM XXXX after 3 days trying to contact support cryptobaseatm.com plus XXXX ( XXXX ) XXXX they told me that the {$10000.00} is in XXXX ATM machine and it isn't nothing I can do about it. There words was you can go to local police FBI or any XXXX XXXX people there's nothing, they can do about 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 2026-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
XX/XX/XXXX forclousure started i was working through loss mitigation packet XX/XX/XXXX i had a XXXX XX/XX/XXXX started bankruptcy filing XX/XX/XXXX sheriff sale stayed XX/XX/XXXX stay lifted i was unable to get funds to finish bankruptcy filing XX/XX/XXXX notified of rescheduled sheriff sale for XX/XX/XXXX via my ex husband who saw it online i was unable to secure a lawyer XX/XX/XXXX found a real estate company that was considering helping and would need the exact amount needed to bring loan current XX/XX/XXXX contacted Newrez LLC/Shellpoint was told i would need to speak to their lawyers that could not give me that amount and was given the contact information XX/XX/XXXX called Newrez LLC/Shellpoint XXXX XXXX XXXX XXXX i XXXX XXXX for the amount to bring loan current to stop the sale was told that they would only speak to my lawyer i stated i did not have XXXX but that i did have an investor willing to pay i was again told they would only speak with my lawyer i stated again i did not have XXXX and then i was hung up on XX/XX/XXXX sheriff auction reserve was not met property awarded to Newrez LLC/shellpoint zero communication attemtps until XX/XX/XXXX sheriffs department served me with an ejection complaint

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I was in XXXX XXXX XXXX last XXXX, for the XXXX XXXX. I didnt receive any notification or anything regarding unpaid insurance through XXXX different companies. I tried contacting them about it letting them know i was in training and didnt have a way to pay or communicate the fact I canceled my insurance before leaving. When I did get ahold of them they were neither were any help and told me I have to go through the collections agency. I am also getting what I figured out were fake discount deals for my collections and still have no clue how to get rid of these debts in collections. The only reason I know I have this in collections is because I checked my credit report

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS 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 2026-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE NOT MINE AND WERE NOT AUTHORIZED BY ME. I DO NOT RECOGNIZE THESE ACCOUNTS AND HAVE NO RESPONSIBILITY FOR THEM.

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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Someone in XX/XX/year> opened an account at Wells Fargo for my company, XXXX XXXX XXXX. However they did not give documents to bank and bank suspected fraud. They contacted my office. I went to a local branch and have made several calls in XXXX and XXXX to the Bank. Bank has closed the account but now their collection sends a letter for bank fees for XXXX, XXXX and XXXX. I called and explained but they keep transferring me. I just want the Bank to stop sending me letters and remove any fees as I never opened an account. No one else has authority to open an account for my company and I am the only signatory. Thank You XXXX 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 2026-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WI

Complaint narrative:
Genesis/Columbia promised to delete this negative reporting from my credit report after I paid the collection on XX/XX/year>. Instead they reported a higher debt amount on XX/XX/year>. This is affecting my credit report and ability to be approved for housing. This company lied about a deletion just to trick me into paying this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am submitting this complaint regarding XXXX/PayPals continued retention of approximately {$5000.00} belonging to me following a permanent limitation placed on my XXXX account. In 2020, XXXX limited my account after identifying what it described as a risk associated with unemployment benefits I received from the State of Texas. I was lawfully employed in Texas and lawfully received Texas unemployment benefits during the COVID-19 pandemic. My XXXX account had originally been created before my temporary relocation to Texas, and my profile address had not been updated. There was no fraud, identity theft, or unauthorized activity associated with my account. XXXX requested identity verification documents, including a government-issued photo ID and banking documentation. I provided the requested information. Despite receiving and reviewing my documentation, XXXX permanently limited the account and informed me that the account balance would be held for up to 180 days. More than five years have now passed. The funds remain visible in my XXXX account, yet I continue to be denied access to them. XXXX has repeatedly refused to provide a meaningful explanation regarding the disposition of my funds. The company has not adequately explained whether the funds remain in its possession, whether they were remitted to a government agency, or what specific legal authority permits it to continue withholding approximately {$5000.00} for such an extended period. XXXX response to my prior complaint relied on broad references to internal risk management policies and user agreement provisions but failed to address the fundamental issue : the continued retention of my money years after the initial account limitation. The company has not identified any court order, regulatory directive, governmental seizure, or adjudicated finding of fraud that would justify permanently withholding my funds. I am requesting that the CFPB require XXXX/PayPal to provide : XXXX. A complete accounting of all funds held in my account. XXXX. Written confirmation of the current location and status of those funds. XXXX. The specific contractual, statutory, or regulatory basis for continued retention of the funds. XXXX. Documentation showing whether the funds were transferred to any governmental agency or other entity. XXXX. Immediate release of the funds if no lawful basis exists for continued retention. After more than five years, I believe XXXX refusal to provide access to my funds or a clear legal justification for withholding them is unreasonable and warrants regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I paid my PayPal credit account balance with XXXX XX/XX/year>. Even though I have many statements from PayPal that says my balance is XXXX, synchrony bank says I have a balance of XXXX dollars which is false. They put my account as charge off status, however there is verifiably no balance on the PayPal statements. There is no way to pay off that balance, something is wrong in the system as I have records of both my payment and my balance. Synchrony bank is reporting an unpaid balance that appeared out of nowhere.

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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: DE

Complaint narrative:
I am filing this complaint because KeyBank reported two incidents to XXXX XXXX XXXX as Checking Account Fraud on XX/XX/2022, and XX/XX/2022. I dispute these allegations and deny engaging in fraudulent activity. The activity associated with the account was not authorized by me and may have involved identity theft or unauthorized use of my information. Despite the serious nature of the reporting, I was never provided documentation explaining the basis for the fraud designation. The reporting is now preventing me from obtaining and maintaining basic banking services, as financial institutions have opened accounts and later closed them after reviewing my consumer banking history. I am requesting that KeyBank provide evidence supporting the fraud designation or promptly correct or remove any information that can not be substantiated. I am also requesting expedited review due to the ongoing impact on my ability to access banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: OK

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm denied two disputes despite evidence that the merchants product was not authentic/not as represented. Affirm is attempting to collect on a disputed financed transaction. I request written review by a supervisor, correction or cancellation of the loan, and confirmation that no adverse reporting will occur without the account being marked disputed. XXXX publicly claims its samples are 100 % authentic, but also says products are independently rebottled/repacked and that it has no agreement, license, consent, or arrangement with the designer/manufacturer authorizing the rebottling or repackaging. I dispute this debt and the underlying merchant transaction. I have already submitted two formal disputes with supporting evidence. I do not accept Affirms determination. The product was not authentic/ not as represented / defective, and I refuse to voluntarily pay for a product I believe was counterfeit or misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I sent a payment to someone for XXXX. The Huntington system flagged me and I had it bypassed on the phone on Friday XX/XX/year>. The lady said she approved it and that other people had to just confirm within the system. She said it will take 2 business days. After 2 business days I call because I am still locked out of my account, which has lead to me being late on rent and this payment that needs to go through. They said it will actually be 3-5 business days and they've escalated it to be quicker. It has been 7 business days and I am still locked out of my Huntington account. Unable to send the payment or rent

Company response to consumer: Closed with non-monetary relief