vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 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:
On XX/XX/year>, a contract was signed for a home standby generator installation, and a {$4000.00} deposit was charged to a general-purpose credit card. On XX/XX/year>, the contract was legally cancelled in writing within the federally mandated XXXX cooling-off period. The merchant acknowledged the cancellation in writing but failed to issue the legally required refund within the statutory XXXX window, which expired on XX/XX/year>. Despite multiple formal written demands on XX/XX/XXXX and XX/XX/XXXX requesting proof that a refund transaction was initiated, the merchant has unlawfully withheld the funds for services not rendered and refused to provide any merchant terminal receipts or accounting documentation showing the credit was processed back to the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
Product : Checking/Savings Account Company Name : Ally Bank Description of Issue : My online and mobile banking profile has been completely blocked by Ally Bank for over 14 days under the guise of an " administrative security review. '' I have fully cooperated with their risk management team. The investigator assigned to my case explicitly confirmed to me that their review is complete and that they successfully verified the transaction with the sender. Despite the investigation being finished, Ally continues to block 100 % of my digital access, holds my money hostage, and refuses to restore my online banking privileges or release my funds. This severe administrative delay is causing me immense financial hardship as I can not access my own money to pay my bills. I request that Ally immediately remove the online security block or liquidate my full balance and transfer it to my external secondary bank 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 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I was out of town and had a large purchase and didn't respond to American Express 's calls, they canceled my card and imposed 28.49 % interest. Forfeited {$190.00} reward dollars, so {$3000.00} is carrying {$73.00} monthly interest

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I filed a complaint before regarding the loan I took out from Upstart. I called the company on Monday because there was a missed call from them. I was explaining to the person about how upstart took money out of my account without my permission and they did this to a loan that I already made the payment to. When I realized I wasn't going anywhere with the customer service agent I asked to speak to a XXXX. The customer service agent refused to transfer me to a XXXX and stated I already decided that you don't need to speak to a XXXX and will be transferring to another department. She did not know what I needed and I asked her about XXXX times for the XXXX. Refused to transfer me and hanged up the phone. I called back and spoke with another agent name XXXX and when I asked her to speak to a XXXX she tried to get hold of XXXX right away. She wasn't able to get hold of a XXXX and left them a message to call me back. Upstart XXXX never called me back. This company is out of control. This is not a duplicate complaint. This is a new complaint regarding the conversation I had with your customer service member this week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Yes I was incarcerated and while I was incarcerated my debit card was used at several locations and I filed the claim to be told that the charges are valid and they withdrew the money that they had given me as a temporary credit which then made my account overdrawn during the time that I was incarcerated I did not have access to any of my personal belongings so there is no way that I could have done these charges

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: IL

Complaint narrative:
In XX/XX/year>, I transferred XXXX Capital One miles from my Capital One XXXX XXXX credit card rewards account to my XXXX XXXX XXXX loyalty account to book a specific flight XXXX XXXX XXXX XXXX, XXXX ( XXXX ) to New York ( XXXX ), departing XX/XX/year> which was advertised on XXXX XXXXXXXX XXXX website as available for XXXX XXXX points. Upon attempting to book through XXXX XXXXXXXX XXXX website and mobile app, the transaction repeatedly failed. After reaching an XXXX XXXX agent by phone, I was told the flight could not be booked despite being displayed as available. I immediately requested the XXXX points be reversed back to my Capital One account. Over the following two months, I called XXXX XXXX approximately 4-5 times. XXXX XXXX escalated the transfer reversal request to their Capital One liaison a total of four times. XXXX XXXX confirmed that the XXXX points were debited from my XXXX account and transferred back to Capital One on XX/XX/year>. The transaction number is XXXX. An XXXX XXXX supervisor made himself available to verify this if Capital One needs to contact him. I have his name and location that he provided me to provide to Capital One if they needed it. When I contacted Capital One on XX/XX/year>, I was escalated to a supervisor. She placed me on hold for approximately 10 minutes, returned, and stated the points were " completely lost. '' She did not ask for the transaction number, the XXXX XXXX supervisor 's contact information, or any details that could help locate the transfer. She then disconnected the call despite my protests. Capital One no longer offers a written complaint channel, only phone and an AI chatbot, making it impossible to document complaints in writing. XXXX XXXX has confirmed the points left their system with a documented transaction number. The points are not in my XXXX account and not in my Capital One account. Capital One has refused to investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX ( XXXX XXXX ) FCRA XXXX Furnisher Accuracy Violation I am disputing the accuracy of negative payment history reported by XXXX on my student loan account. My credit report reflects XXXX, XXXX, and XXXX late payments for XXXX, XXXX, and XX/XX/XXXX. These entries are factually inaccurate and in violation of the Fair Credit Reporting Act. My XXXX XXXX were in a post-COVID administrative forbearance/transition period, and payments were not legally due until XX/XX/XXXX. No payment was owed during the months reflected as late. Reporting delinquencies for a period in which no payment obligation existed is a clear violation of FCRA Section XXXX, which requires furnishers to report only accurate information. I am requesting that the CFPB compel XXXX to immediately delete the XXXX, XXXX, and XX/XX/XXXX late payment entries from all three credit bureaus, and to conduct a reasonable investigation confirming that no payments were due during this period.

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 2026-05-15 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: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Mortgage transferred to SPS on XX/XX/year> First tax payment was incorrect in XXXX Caused issue and unnecessarily high bill to XXXX when I couldn't get a building permit due to late taxes Second tax payment not paid on time in XXXX In process of refinancing, so I asked to not make payment just days before refi closing Payment made regardless of verbal confirmation it wouldn't XXXX also included tax payment, so now $ XXXX is owed complainant by city and mortgage servicer Mortgage XXXX ( closing from SPS ) on XX/XX/year> As of XX/XX/year> complainant still has no calculation to escrow funds owed, no confirmation that any check has been issued, no tracking number for said check, and it took weeks of calling to get a number ; {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/2026, I ordered some trading cards ( XXXX XXXX XXXX ) from the XXXX XXXX. The merchant ( XXXX ) marked the package as delivered but provided no proof other than " XXXX in XXXX ''. I live in a university student apartment, so I checked my mailbox, apartment mailroom, as well as the XXXX package lockers with my building management. I could not locate this package anywhere, so then I contacted XXXX support and they said they could not refund me because it says that the order is nonrefundable and it was marked as delivered ( included image of this ). Frustrated with that, I went directly to Wells Fargo and opened a claim. I submitted the screenshot of my chats to XXXX, a PDF document of events that occured, as well as a Police Report. Everything went smooth and I was given a temporary credit. Months passed and I had heard nothing so in my mind this had already been resolved. Today I opened up my Wells Fargo app and saw my credit card balance was around {$600.00}. I then checked the claim and turns out it was rejected. I called Wells Fargo and they said that it was rejected by the merchant and that they could not re-open the claim since they placed the package in the mailbox, which is " equivalent of putting it in my hands ''. I think this is completely unfair and was hoping that you guys could help me get this resolved. I have attached the original police report and chats with the merchant that I sent wells fargo when I first opened my claim. This is a claim spanning back XXXX, it's a frustrating situation and just want some help. NOTE : The credit card I used at the time was a XXXX Wells Fargo card ending in XXXX. It was now been automatically converted to a different Wells Fargo card ending in 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 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am reporting a systemic regulatory failure by TD Bank regarding XXXX XXXXXXXX XXXX. TD Bank facilitated {$25000.00} in illegal transactions to XXXX. TD Bank has denied my internal claims ( specifically Claim XXXX covering 41 transactions, and related claims XXXX, XXXX, XXXX, XXXX ) by incorrectly labeling them as 'Authorized Fraud. ' This is a Regulatory Compliance Failure : these transactions are prohibited by XXXX XXXX law regardless of cardholder authorization. Given TD Bank 's current {$3.00} XXXX federal penalty and XXXX monitor, this failure to block 41+ illegal transactions from a single merchant is a gross violation. I request a full reversal. Crucially, TD Bank has refused to even initiate dispute proceedings for a significant number of these transactions. When I requested to dispute every transaction related to XXXX, ' TD Bank agents explicitly refused to open cases for a portion of the charges, despite my right to a fair investigation under the Electronic Fund Transfer Act ( Regulation E ). This refusal to process legitimate disputes regarding prohibited revenue under XXXX XXXXXXXX XXXX constitutes a gross failure of consumer protection and regulatory compliance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This is NOT A DUPLICATE of my previous complaint. This complaint is regarding new, specific instances of misinformation and the failure to reopen XXXX dispute cases as promised on XX/XX/year>. On that date, PayPal XXXX " XXXX '' explicitly confirmed in writing that the cases were " open for investigation '' and that changes would reflect in my dashboard within XXXX hours. However, in subsequent communications, XXXX " XXXX '' contradicted this, stating the cases did not meet the requirements to be reopened. PayPal is actively aiding an individual currently under felony investigation for unlicensed real estate activity in XXXX by refusing to review documented evidence of price gouging and misrepresentation. By outsourcing these high-stakes fraud investigations to agents who appear to have limited proficiency in XXXX XXXX XXXX laws and XXXX, PayPal has engaged in deceptive practices that prevent me from protecting my financial interests. They have repeatedly ignored my requests for their legal department 's service address while continuing to provide contradictory information regarding the status of my {$17000.00} in disputed funds. Furthermore, PayPal has repeatedly blocked me from accessing or downloading my own financial data. When I attempt to use the " Download Your Data '' tool or request a full history for my legal records, the system fails or access is explicitly denied by support agents. This suppression of my personal financial records prevents me from properly documenting the {$17000.00} fraud for law enforcement. PayPal is effectively holding my data XXXX while maintaining a fraudulent {$6000.00} negative balance on my account, a balance they can not justify with the documentation they refuse to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year>, I purchased a range hood for {$1700.00} from XXXX XXXX. Shortly after placing the order, I realized I had made an error and canceled the purchase the same day. The company confirmed the cancellation by phone and later sent an email stating that the order had been canceled, that the product had never shipped, and that a credit would be issued. Despite these written assurances, the company failed to process the refund and instead retained the funds. After several weeks without resolution, I initiated a dispute through my credit card company and provided documentation, including the merchants email confirming both the cancellation and that the product had never shipped. I opened the dispute on three separate occasions and supplied all requested information. However, the credit card company repeatedly closed the disputes and refused to issue a provisional credit. I provided the email from the company saying they would issue a credit and the funds did not leave their warehouse. I also sent them a signed letter as they asked for explaining the entire situation. Ultimately, after informing the merchant that I would notify the authorities if the funds were not returned, the company finally issued a refund on XX/XX/year>. During the entire period between the disputed charge and the eventual refund, my credit card company continued charging me interest on the {$1700.00} balance, despite the fact that the product was never shipped and the merchant had acknowledged that a refund was owed. This situation resulted in me incurring interest charges on a transaction that should have been canceled immediately and refunded months earlier. I have attached a copy of when the charge occurred on XX/XX/XXXX the refund on XX/XX/XXXX and the email from XXXX XXXX saying they would send me a credit and the item never left their warehouse.

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 monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am submitting this complaint to formally contest the final response from Wells Fargo regarding Complaint # XXXX. The banks refusal to credit my account is based on XXXX fundamental errors in their investigation. XXXX. Mischaracterization of the Dispute ( MODO and PlayFame ) : In their response dated XX/XX/year>, Wells Fargo claims I reported transactions for XXXX and PlayFame as " unauthorized ''. This is factually incorrect. I have consistently maintained that these were authorized transactions for which services were never rendered. By mislabeling the claims as fraud/unauthorized, the bank ignored the actual issue : the merchant ( XXXX ) blocked my account and seized my paid-for digital assets ( XXXX XXXX XXXX ) without a refund. I have already sent a certified letter to the Wells Fargo Claims Department and still my claim was rejected. XXXX. New Material Evidence of XXXX XXXX : Wells Fargo concluded these were " authorized '' and advised me to contact the merchant for recovery. However, another creditor, XXXX XXXX ( XXXX XXXX ), recently completed an investigation into the exact same merchant ( XXXX ) for the same " services not received '' issue. On XX/XX/year>, XXXX XXXX issued a final resolution in my favor, confirming the merchant 's failure to provide service and making my credits permanent.

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 2026-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: FIRST HORIZON BANK
State: AR

Complaint narrative:
I am attempting to refinance my home, and my lender requires a copy of the signed XXXX forbearance, deferral, or loan modification agreement related to a deferred balance on my mortgage account. My mortgage statement from First Horizon shows a deferred balance of {$3600.00}. My refinance lender/underwriter requires documentation showing the agreement that created this deferred balance. I have contacted First Horizon multiple times requesting the signed deferral or modification agreement. Instead of providing the requested document, they repeatedly send payoff quotes, which are not what is being requested. I have clearly explained that I do not need a payoff quote and only need the signed agreement related to the deferred balance. Despite multiple requests, I still have not received the document needed to complete my refinance. This issue is delaying my refinance process and may cause financial harm due to delays and potential rate changes. I am requesting that First Horizon provide a copy of the signed forbearance, deferral, or loan modification agreement associated with the deferred balance on my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
Consumer : XXXX XXXX | XXXX : XXXX | XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Report Date XXXX XX/XX/XXXX THE PROBLEM Innovative Recovery is reporting a {$280.00} collection/charge-off on my Experian credit report for an alleged debt from " APARTMENT-A COUNTRY PLACE '' ( original creditor ). I dispute this debt and demand deletion based on the following violations : KEY ISSUES NO VALID CHAIN OF TITLE : Innovative Recovery has never provided proof they own this debt. The original creditor allegedly charged it off. No assignment documents, no purchase agreement, no proof of standing to collect or report. INACCURATE REPORTING : Same account reported differently across bureaus : Equifax shows " XXXX '' while Experian shows " Closed. '' Date of last activity differs by XXXX day. This violates FCRA 1681e ( b ) " maximum possible accuracy. '' ADDRESS DISCREPANCY / RED FLAG : Credit report shows address " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' but collection letter came from " XXXX XXXX Firm XXXX '' at " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX '' Different XXXX XXXX different ZIP, same phone. Raises fraud/identity confusion concerns. NO FDCPA VALIDATION PROVIDED : First contact was a " Second Demand '' letter from XXXX XXXX Firm. I never received the legally required initial validation notice under 15 U.S.C. 1692g. They skipped required steps. NO ORIGINAL CONTRACT : Never received or signed a lease agreement from " APARTMENT-A COUNTRY PLACE. '' No proof this debt is mine. CONSUMER HARM This unverified {$280.00} collection is damaging my credit score ( currently XXXX XXXX ). It is blocking loan approvals, increasing interest rates, preventing housing applications, and harming my ability to secure business funding for my startup. The financial and emotional damage is real and ongoing. REQUESTED RELIEF Immediate deletion of this tradeline from XXXX XXXX, and XXXX Investigation into Innovative Recovery 's licensing and authorization to collect in Texas Investigation into whether Innovative Recovery has legal standing/chain of title for this debt Civil penalties for FCRA and FDCPA violations Compensation for financial and emotional damages LEGAL BASIS 15 U.S.C. 1681e ( b ) | 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) | 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) | 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) | 15 U.S.C. 1692g | Texas Finance Code Chapter 392 BOTTOM LINE A {$280.00} debt from an apartment I can not verify, reported by a collector with address discrepancies, no validation, no chain of title, and conflicting data across bureaus. This tradeline is unverified, inaccurate, and potentially fraudulent. Delete it.

Company response to consumer: Closed with explanation