vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I have never received any information regarding collections for this debt. I was not aware that I was in collections until it was on my credit report. The amount on my credit report was {$800.00} even. The original debt was approximately {$80.00} which I made attempts to pay with the original company multiple times and requested a stop service many times. I would like more information on this debt, why it is so much, who the debt collection company is, and what can be done to solve this debt. I have gotten nowhere with this company. 
This is impacting my credit score horribly for a debt I never received notice of.

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 2026-01-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX insurance has completed the appraisal clause and theres an appraisal award letter that the lienholder Wells Fargo Auto must collect for the pay off balance and communicate transparently to the insurance XXXX regarding execution and direct pay off ASAP! Theyve called and hung up in my face, wont connect me to a supervisor, failed to mitigate damages, etc.!

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 2026-01-01 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 have used PayPal for my short term rental business and for my personal purposes for many years. I have XXXX accounts - XXXX for the business and XXXX for personal reasons. Over the past several months, PayPal has asked me to verify certain personal and business information -- copies of driver 's license, copies of tax documents, etc. I responded to each request, even though I was concerned about sending this type of personal and business information over the internet. In each case, the inquiries were approved, but not too long afterward, PayPal shut down all XXXX accounts, which have the following balances in them ( I've removed some information, per your instruction to not include account information ) : XXXX - {$160.00}, XXXX - {$1000.00}, XXXX - {$510.00} and XXXX - {$460.00}. This is a total of {$2200.00} of my money that PayPal has frozen and won't let me transfer out. These funds are for all kinds of things, including birthday and Christmas gifts for my children, or money from rental guests to pay cleaners that clean our homes for them! I have NO claims or issues with my payments or accounts, and I received a letter from PayPal stating that their business model isn't a fit for my purposes. I am fine with that, there are lots of providers and I am happy to take my business elsewhere, but they also stated they would not refund my money for XXXX  MONTHS!! I contacted PayPal directly by phone and through their internet chat, and the representatives very politely state the same, and send assuring notes and words to me that state it is not my fault, just a mismatch of business purposes. OK, but please let me transfer these funds right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
This complaint is against Santander Consumer USA regarding a serious issue with the maturity date which ends on XX/XX/XXXX. Also over charging for interest My XXXX XXXX  mother and myself, a 100 % XXXX veteran purchased a XXXX XXXX XXXX in XXXX for the amount of {$21000.00} originally and traded in a vehicle that was paid off to start with, which is not included in these amounts. When we were filling out the paperwork for the vehicle, we were told that it was for a short-term loan. Turned out to be 6 years, and we were in need and also told this was the only vehicle and loan that we were able to get at that time. I setup automatic payments for 72 payments at {$540.00}. Total amount paid {$39000.00}. 
When COVID-19 hit the country and not knowing the future, I accepted a deferred payment plan for 2 months. These 2 payments went to the end of the loan. So the maturity date went from XX/XX/XXXX to XX/XX/XXXX. I've not missed payments or been late. On the Santander websites it is stated that at the end of your loan on XX/XX/XXXX your currently scheduled to owe an additional amount of {$4000.00}. 
Also says that this amount is not a payoff amount and amount may increase over time based on payment behavior. 
I have received several emails asking for either one of these two options : Santander wants the balance in full or to make 9 more monthly payments of the {$540.00}. If I choose to make more payments, it could be more as well due to interest rates and again payment behavior.

I believe that there's a huge mistake here. I shouldn't have to owe anything else. As of right now I have overpaid by {$17000.00}, and I can not believe that isn't enough, Santander Consumer USA is actually wanting {$21000.00} more than the vehicle 's original loan price. Plus, either way according to to Santander Consumer USA, this loan could be dragged on forever if you keep charging me interest and not putting the money towards the principle. This is unbelievable, and I plan to release this to anyone and everyone who will listen. I should not have to pay any more than what I agreed to, the 72 payments at {$540.00}, which is still way too much. I would love to get a refund for some of the exorbitant charges that I have paid for.

The title to this vehicle should have been sent long ago actually. Santander should not have charged this much in interest. This should be illegal, especially doing this to the XXXX  and XXXX Veterans. 



Correction, the original loan was for 6 years not 7. I apologize for the error.

Show quoted text

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: IN

Complaint narrative:
On Saturday XX/XX/XXXX, account holder was clocked in at work ( proof submitted to Chime from employer time sheet ) and received a text message about a declined purchase with their card, approximately XXXX miles from her place of employment. The message was asking if account holder was the one attempting to make the purchase and requested a Y/N response. Account holder responded N. Account holder got another text from Chime with a One-Time Passcode for login authorization. They immediately contacted Chime support to report that they did not request this OTP. This phone call was XXXX hour and XXXX minutes of speaking to support staff. While account holder was on the phone with support staff, still clocked into work, XXXX transfers were sent to a completely unknown phone number using a Chime " Pay Anyone Transfer ''. Obviously account holder reported this to support and support helped them through the process of starting formal disputes on the charges through the app. Following this, they uploaded additional data to Chime over the following days to prove things such as being at work at the time of these transactions. On XX/XX/year> we received notification that the disputes were declined. I requested additional information to this such as what affirmative action Chime used to determine authorization of the transaction, the device identifier used to initiate the transfer, the XXXX address and geolocation of the session that initiated the transfer, and whether or not that location matches the location of the account holder 's employer. They were unable to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 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

Complaint narrative:
Customer paid XXXX XXXX  for some items from our online store. Decided to sell his vehicle and he doesnt need the products anymore. When he was told by sales he needs to send the items back for a refund, he filed a chargeback as " credit not received '' Our store got fined XXXX chargeback fee, lost the products and the original payment.

Wells Fargos obviously did not even bother reading the evidence presented and seems to just side with all their own clients and XXXX over merchants. Chargeback fraud is a multi XXXX dollar issue and Wells Fargo did not even both assisting us. 

Details of transaction below Card { " amount_authorized '' XXXX XXXX, " authorization_code '' XXXX " XXXX '', " brand '' XXXX " XXXX '', " checks '' XXXX { " XXXX '' XXXX XXXX, " address_postal_code_check '' XXXX XXXX, " cvc_check '' XXXX XXXX }, " country '' => " XXXX '', " description '' => " XXXX XXXX '', " ds_transaction_id '' XXXX XXXX, " exp_month '' XXXX XXXX, " exp_year '' XXXX XXXX, " extended_authorization '' XXXX { " status '' => " XXXX '' }, " fingerprint '' => " XXXX '', " funding '' => " debit '', " iin '' => " XXXX '', " incremental_authorization '' XXXX { " status '' => " unavailable '' }, " installments '' => nil, " issuer '' => " Wells Fargo Bank , National Association '', " XXXX '' => " XXXX '', " mandate '' XXXX XXXX XXXX XXXX XXXX '' XXXX XXXX, " multicapture '' XXXX { " status '' => " unavailable '' }, " network '' XXXX " XXXX '', " XXXX '' XXXX { " used '' XXXX false }, " XXXX '' XXXX " XXXX '', " overcapture '' XXXX { " maximum_amount_capturable '' => XXXX, " status '' => " unavailable '' }, " payment_account_reference '' => " XXXX '', " regulated_status '' => " regulated '', " three_d_secure '' XXXX XXXX, " wallet '' XXXX { " XXXX '' XXXX { " type '' => " XXXX '' }, " XXXX '' => " 1966 '', " type '' => " apple_pay '' } }

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 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
XXXX complaint response said that I never provided supplemental information. Its untrue but I initiated another claim, documented my submission of requested documents and the subsequent denial. The Final Round AI company has documented on their website how to request a refund of their services during the first week of use. That is a trial period ( see photos ). They are not upholding their policy of thoroughly investigating claims and instead close the accounts of longstanding customers who reports them to CFPB. Final round AI is a scam and Apple Card are in partnership with unscrupulous vendors by dropping customers who need dispute arbitration. They dont care about customers and are not reliable as a card carrier

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, I disputed transactions with Chase related to XXXX XXXX XXXX. 

Chase later confirmed the disputed amounts were refunded and provided two Visa Acquirer Reference Numbers ( ARNs ) for the returned funds : {$1400.00} ARN : XXXX {$1300.00} ARN : XXXX Despite this, the merchant ( Hard Rock Bet ) has confirmed they can not locate or credit the funds using these ARNs. 
Chase has refused to perform a XXXX transaction trace or merchant research request and states they can not do anything further, even though the funds have not been credited and remain unaccounted for more than 60 days after the dispute was initiated. 

I am requesting that Chase either : 1 ) Complete a XXXX transaction trace / settlement investigation to confirm where the funds settled, or 2 ) Issue a refund for the unresolved returned funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NC

Complaint narrative:
MOHELA is furnishing inaccurate and inconsistent information about my federal student loan to the credit reporting agencies. I have not been able to resolve this directly with MOHELA yet and am submitting this complaint for MOHELA to investigate and correct its reporting. My credit reports show what appears to be the same MOHELA loan being reported multiple times with conflicting account information. On XXXX, the MOHELA loan appears in multiple entries with the same account reference ending XXXX but different reported balances and scheduled payment amounts, including balance XXXX with scheduled payment XXXX, balance XXXX with scheduled payment XXXX, and balance XXXX with scheduled payment XXXX. This fragmented or duplicative reporting is inaccurate and is harming my credit. 

The XXXX  payment history also shows narrative code XXXX student loan payment deferred appearing in the history while delinquency is also reflected in the reporting. Additionally, XXXX  shows months in XXXX  reported as XXXX  days past due while also listing a date of first delinquency of XXXX, which appears inconsistent. On XXXX, the same MOHELA loan is reported with a serious delinquency status including XXXX  days past due. I am requesting that MOHELA correct or delete the inaccurate reporting and ensure updates are sent to all consumer reporting agencies where MOHELA reports, including XXXX, XXXX, and XXXX. 

MOHELA is a furnisher of information and has duties under the Fair Credit Reporting Act to furnish accurate information and to correct inaccurate information, including 15 USC 1681s 2 ( a ). I am requesting MOHELA conduct a reasonable investigation, provide documentation supporting the accuracy of the reported balances, payment amounts, and delinquency dates, and correct or delete any information that can not be fully substantiated.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-01 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: IL

Complaint narrative:
I received a XXXX XXXX discharge and refund that was issued due to Department of Education and servicer error. The Department later acknowledged the error in writing more than XXXX years after the refund was issued. I did not request or induce the payment and relied on it in good faith. 

Despite this, my servicer EdFinancial attempted to recover the amount, added interest and fees, and increased the balance while the issue was disputed. I requested a full accounting and documentation supporting the alleged debt, but the servicer failed to provide a complete explanation. Historical Borrower Defense and refund records have also been removed from the servicer portal. Now the portal only shows records from 2025, after a year of them requesting for the refund back. They removed the apology letter that was sent to me too.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: PA

Complaint narrative:
I am currently with Chime XXXX of my emails were breached and a bunch of fraud transactions were made as they took accounts like XXXX XXXX  etc and made transactiin with them ive made a police report cancelled my cards and more and all and they've denied it still even in the process of filing it they were using my card so the rep even saw it was being made

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Point Digital Finance, Inc.
State: FL

Complaint narrative:
CFPB Complaint Narrative ( Deceptive and Misleading Practices ) Product type : Home equity / mortgage related financial product Company : Point ( home.point.com ) Complaint Summary I am reporting what I believe to be deceptive and misleading practices related to consent, disclosures, and representations on the website home.point.com.

The website presents consent language stating that by clicking Continue or View my offer, the consumer agrees to be contacted by the company regarding product offerings and agrees to multiple policies, including cellular phone contact, electronic communications, electronic signatures, and privacy terms. This consent appears to be bundled and mandatory in order to proceed, without a clear or meaningful opportunity to decline marketing contact while still accessing required disclosures. 

The presentation creates a coercive click-through scenario where marketing contact consent is effectively required to move forward. This undermines informed consent and may mislead consumers into believing the consent is limited to necessary disclosures rather than ongoing product solicitations.

Additionally, the site prominently states that Prequalification will not impact your credit score, without providing sufficient clarity regarding what consumer data is accessed, how it is used, or whether soft credit inquiries or alternative consumer reports are involved. The lack of transparency may mislead consumers regarding the scope of data collection and credit reporting implications.

The overall design, wording, and placement of disclosures appear intended to minimize consumer understanding and discourage meaningful review or refusal of consent, which may violate consumer protection standards regarding clear, conspicuous, and non-deceptive disclosures.

I am requesting that the CFPB review this companys consent practices, representations, and disclosure design for compliance with federal consumer financial protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: DE

Complaint narrative:
This is another complaint against Discover credit card in response to their another fraudulent response. Although they admitted that the proper payment was made from my Discover debit card account they still want to charge me fraudulent {$2.00} " past due amount '' which they acknowledged did not exist because the payment was made on time. The latest bill from Discover credit card is {$62.00} which will never be paid. I will never use this credit or debit card again!

Company response to consumer: Closed with explanation