vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XXXX, I, XXXX yr old male was trying to help someone make a purchase from me on XXXX XXXX. During this process, I received a scam email from XXXX directing me to a phone number to be sure payment is successfully credited. I called and gave person access to my banking screen and account. He sent money to himself, which XXXX classified as fraud and reimbursed me. During the 2-hour time online with the scammer, he asked for access to my PayPal account . He then told me to make 7 entries for " credit increases and/or memo corrections '' for {$10000.00} on my PayPal account . He then sent this money to 3 individuals that I did not know. I received no benefit from this money sent! I did not understand why he was doing this and eventually realized this was probably a scam, I ended the call and closed my credit union account linked to the PayPal account. PayPal later tried to get money from my account, but it was rejected. This amount was then added to my PayPal balance, now negative {$9900.00}. I notified PayPal on XXXX and filed a dispute as unauthorized transactions and have appealed their decision. They said no unauthorized transactions as my IP address was used for the " money sent '' transactions. I had never sent money by PayPal in the past. PayPal collections is now wanting me to settle my balance. Based on Electronic Funds Transfer Act, EFTA, and Regulation E, this scam was due to unauthorized access. It was an imposter scam and the fraudster gained access to my accounts. I received no benefit from these money transfers. Therefore, I feel PayPal must consider these transfers as unauthorized! I have filed an incident report with law enforcement ( copy to PayPal ) and it is being investigated. I feel PayPal just follow EFTA and Regulation E and classify these " money sent '' transactions as unauthorized and remove the amounts from my PayPal balance. PayPal Complaint XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-03 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint regarding a rewards discrepancy on my Chase Sapphire Reserve credit card. I made a travel purchase on XX/XX/year> in the amount of XXXX dollars based on advertising indicating that travel purchases would earn XXXX points. However, the transaction posted at only XXXX points. The advertising I relied upon did not clearly or prominently disclose that the XXXX points rate applied only to travel booked through the Chase XXXX portal. As presented, the promotion reasonably suggested enhanced rewards on travel purchases generally. I contacted Chase directly to resolve this issue, but the response did not adequately address the discrepancy or the lack of clear disclosure. I am requesting that Chase either : 1. Credit the additional points that would bring this transaction to the advertised XXXX rate, or 2. Provide an equivalent statement credit as a goodwill adjustment. I believe the advertising was misleading and did not clearly communicate key limitations of the offer. Transaction details : * Date : XX/XX/year> * Amount : XXXX dollars * Points received : XXXX * Points expected : XXXX I request a formal review and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XX/XX/scrub> 2026, my account was charged {$10000.00} in deferred interest after a promotional period expired. I contacted the company and was informed that this interest would be waived if I paid off the remaining principal balance. Based on this agreement, I initiated a {$15000.00} payment on XX/XX/scrub> 2026, to settle the account. Despite my good-faith effort to pay the balance in full, the company is now refusing to honor the waiver, claiming that a XXXXday window for such adjustments has passed. I was not informed of this strict deadline during my initial discussions regarding the payoff and waiver offer. I am requesting that the company honor the original agreement and credit the deferred interest back to my account.

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 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FinCo Services Inc DBA Current
State: NE

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the XX/XX/XXXXcredit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXXXX/XX/XXXX another personal credit card account opened at CURRENT on XX/XX/XXXX under the account number XXXXXX/XX/XXXX an auto loan account opened at XX/XX/XXXX on XXXX, XXXX under the account number XXXXXX/XX/XXXXa cellular account opened at XX/XX/XXXX on 2XXXX under the account number XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal ComplaintXX/XX/XXXX( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
recently opened a new bank account at Wells Fargo in the XXXX, New Jersey branch with my cousin, my sister, and myself. The account was established successfully without any issues. At that time, we discussed obtaining a credit card tied to this new account, but due to time constraints, we were unable to complete that process during the initial visit. A few days later, I returned to the branch to proceed with setting up the credit card. During that visit, I clearly explained to the bank employee that I wanted a credit card associated with the joint account we had just opened. To ensure there was no confusion, I provided a deposit slip that included the correct account number for that account. After the credit card was processed, I informed my sister that she would be able to use the card to purchase furniture for my cousins new apartment. However, when she attempted to access or use the card, she was unable to do so. She contacted me, and I then called the XXXX branch to understand the issue. At that time, I was informed that the credit card had been set up solely under my individual name, rather than being associated with the joint account as I had explicitly requested. I raised this issue with the branch and was told that they could not cancel or correct the card setup. I then contacted Wells Fargos main customer service line to escalate the matter. I explained the situation in detail and was told that the issue would be reviewed and that I would receive a response. On XX/XX/year>2026, I received a written response. Unfortunately, the letter was poorly written, difficult to understand, and contained inaccuracies regarding what had occurred and what I had requested. I then called the letter writer and left XXXX msgs, As of today I have not received a call back. This situation is concerning for several reasons : My instructions were clearly communicated and supported with documentation ( deposit slip with account number ) The account was set up incorrectly despite those instructions The branch indicated they could not correct or cancel the issue The written response from Wells Fargo did not accurately reflect the facts and lacked clarity Please treat this matter with urgency and provide a clear resolution.

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 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I received a dark web alert from XXXX XXXX stating that my personal information had been found exposed. The alert listed an exposure date of XX/XX/XXXX and indicated that the compromised data included my full name, last name, phone number, country , street location, and additional personal details. The alert referenced a thirdparty incident related to XXXX. Immediately after receiving this notification, I checked my bank accounts and discovered two transactions on my XXXX savings account that I did not authorize : A {$3700.00} withdrawal/transfer to XXXX XXXX XXXX , account ending in XXXX, routing number XXXX, dated XX/XX/XXXX. An {$8900.00} deposit from XXXX XXXX, account ending in XXXX, routing number XXXX. I have no association with XXXX and have never used their services. I do have a XXXX account, but all activity there appears normal, and XXXX confirmed they do not see any corresponding transaction on their end. I contacted XXXX immediately ; they opened a dispute but stated the withdrawal had already posted and could not be reversed immediately. I contacted XXXX directly by both email and phone. XXXX requested more information, which I provided, but they repeatedly responded with the same generic email they initially sent, without addressing the information I supplied. I was also unable to reach a real person by phone despite multiple attempts. On XX/XX/XXXX, I received an unsolicited debit card in the mail from XXXX XXXX Account, described in the letter as a deposit account established by XXXX XXXX XXXX. On XX/XX/XXXX, I contacted XXXX. The phone number and email listed for the account appeared suspicious, and because I could not verify them, XXXX refused to speak with me and refused to transfer me to their fraud department. Additionally, there is a credit freeze on my credit file, and I was not contacted or notified before this account was opened, which is a significant red flag for identity theft and unauthorized account creation. I again attempted to contact XXXX by phone and was still unable to reach a human representative. This followup complaint is in addition to my initial CFPB complaint ( XXXX ) involving XXXX XXXX. I am now filing a complaint specifically against XXXX XXXX. and XXXX XXXX Account. Both entities have refused to assist despite multiple notifications of fraudulent activity, the existence of a filed police report, and clear indicators of identity theft. Their lack of response and refusal to provide any support is unacceptable and warrants investigation.

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 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/scrub> 2026 I bought a bike from XXXX. I was too XXXX to ride the bike. Also on XX/XX/year>2026 I returned the Bike. On XX/XX/XXXX someone called to assemble the bike. I told him that I had returned the bike so there was no longer a bike to assemble. Order XXXX XXXXXXXX. On XX/XX/XXXX at XXXXXXXX XXXX I called Wells Fargo to dispute the charge because the {$100.00} for the assembly hadn't been refunded yet. As a matter of law they have XXXX business days to issue a provisional credit. XXXX business days have passed and they have not issued said credit.

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 2026-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: NE

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, theXX/XX/XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXXXX/XX/XXXX, another personal credit card account opened at XX/XX/XXXX on XX/XX/XXXX under the account number XXXXXX/XX/XXXX an auto loan account opened at Credit Acceptance on XXXX, XXXX under the account number XXXXXX/XX/XXXX a cellular account opened at XX/XX/XXXXon XXXX under the account number XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal ComplaintXX/XX/XXXX( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2026-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I have paid off the parent plus loan currently under the Mohela account back when it was under a different provider. I paid it off in full in one payment years ago. I am once again being charged the full loan amount and Mohela is not helping. It is reported on my credit score even though I already paid it off around XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bilt Technologies, Inc.
State: NJ

Complaint narrative:
I am writing to request a {$50.00} statement credit to reimburse a fee I incurred due to a technical failure of the Bilt XXXX feature. I am a resident of XXXX XXXX at XXXX XXXX. On XX/XX/XXXX, I attempted to pay my rent on time using Bilt XXXX. My linked bank account had sufficient funds ; however, the transaction failed due to what Bilt 's notification described as a connection/synchronization issue. Immediately upon receiving the failure alert, I manually processed the payment using my original method to ensure the rent was paid. Despite my prompt action, my property management has charged me a {$50.00} failed payment fee and refused to waive it, claiming the responsibility lies with the payment processor ( Bilt ). As this fee was caused by a malfunction of a core Bilt feature ( Bilt XXXX ) and not by any fault of my own, I am asking Bilt to credit my account {$50.00} to cover this loss. After emailing Bilt, I received an automated response acknowledging the creation of a support ticket ; however, I haven't heard anything further since then. I have attached the following evidence for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX regarding the handling of a billing dispute involving unauthorized subscription charges fromXX/XX/XXXXon my credit card account. I initially began a free trial with XXXX XXXX XXXX in XX/XX/XXXX. I was first charged on XX/XX/XXXX for {$1.00}, which I understood to be related to the trial. I did not dispute this charge. However, I was subsequently charged {$200.00} on XX/XX/XXXX, and another {$200.00} on XX/XX/XXXX. In both cases, I disputed the charges through my credit card issuer, XXXX, and both disputes were resolved in my favor with refunds issued. Despite this consistent pattern and outcome, the most recent charge on XX/XX/XXXX was denied and not resolved in my favor, even though the circumstances remained the same. For each billing cycle, I made multiple attempts to cancel the subscription through the only available method provided by the merchant, which was their in-app support chat. I used this channel multiple times, but my cancellation requests were not processed, and charges continued. The merchant did not provide a direct email address or phone number for cancellation or customer support, which made it difficult to properly terminate the subscription. Additionally, I submitted supporting evidence to XXXX, including screenshots and timestamps showing my cancellation attempts. However, the XX/XX/XXXX dispute was closed in favor of the merchant despite this evidence and despite prior identical disputes being resolved in my favor. I believe XXXX failed to conduct a reasonable and consistent investigation under the Fair Credit Billing Act. The change in outcome for the XX/XX/XXXX dispute does not appear to align with the evidence provided or the handling of prior identical disputes. I am requesting : XX/XX/XXXX A review of XX/XX/XXXX handling of this dispute XX/XX/XXXX A reassessment of the XX/XX/XXXX charge ( {$200.00} ) XX/XX/XXXX A reversal of the charge based on supporting evidence XX/XX/XXXXAn explanation for why this dispute was treated differently from prior successful disputes Thank you for your time and assistance in reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I paid the loan balance in full for the vehicle that I financed through Westlake Financial on XX/XX/year>2026. As of today, XX/XX/year>2026 they still have not sent the title for my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: TRUSTMARK CORPORATION
State: FL

Complaint narrative:
Summary of the Issue Trustmark Bank mishandled the renewal process for my commercial loan, failed to communicate for extended periods of time, and repeatedly assured me the renewal was being handled. Due to the banks delays and lack of responsiveness, my small business was forced to obtain emergency financing elsewhere to avoid default, resulting in {$14000.00} in additional costs and expenses. Detailed Description We maintained a commercial lending relationship with Trustmark Bank for more than five years and never missed a payment. On XX/XX/XXXX, we received notice that our loan would mature on XX/XX/XXXX. I immediately contacted Trustmark Bank to begin the renewal process. The bank requested updated financial and personal financial statement documentation, which was submitted on XX/XX/XXXX. Over the following months, the loan renewal process was repeatedly delayed due to employee turnover, lack of communication, and failure to provide updates. Multiple emails and follow-up requests were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting status updates and guidance regarding the renewal. On XX/XX/XXXX, I met in person with Trustmark representative to execute a short-term extension intended to allow additional time for the renewal process. During that meeting, I was assured that the loan renewal was being handled and that there was nothing to worry about. Based on these representations, I continued relying on Trustmark to complete the renewal process. After continued lack of communication and no meaningful progress on the renewal, we was forced, on XX/XX/XXXX, to seek financing from another institution in order to avoid potential default on the property securing the loan. Because this financing had to be obtained on an emergency basis and under significant time pressure, our business incurred {$14000.00} in additional fees, costs, and related expenses that could have been avoided with timely communication and proper handling by Trustmark Bank. On XX/XX/XXXX, Trustmark Regional Commercial Banking Director acknowledged the banks mishandling of the matter in writing, stating that the bank had delivered so poorly, accepting full responsibility, and further stating there was no reasonable explanation for how the matter had been handled. The banks conduct caused substantial financial harm, unnecessary stress, and significant disruption to our small business operations.

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