vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2026, I booked an XXXX flight-and-hotel package ( itinerary XXXX ) financed through an Affirm installment loan. The same day, XX/XX/2026, I cancelled that booking and immediately booked a replacement flight-and-hotel package with XXXX ( itinerary XXXX ), also financed through Affirm. After the cancellation, I learned that the hotel portion of the original booking {$1200.00} was treated as non-refundable. This term was not prominently disclosed to me during the checkout process. XXXX refused to refund or credit the amount toward my replacement booking, despite the fact that I cancelled and rebooked with the same merchant on the same day. I filed a dispute with Affirm. On XX/XX/2026, Affirm 's Resolutions Team ( agent : XXXX ; Loan ID : XXXX ) denied the dispute. The denial stated that XXXX " provided documentation about their cancellation and refund policies, and that you were aware about the policies at the time to make the purchase. '' Affirm did not share that documentation with me, did not describe what form the disclosure took, and did not address the core fact that my cancel-and-rebook occurred with the same merchant on the same day. I am asking CFPB to facilitate a re-review of this dispute. Specifically : 1. Affirm 's denial relies on a merchant 's assertion that I was " aware '' of the policy, without presenting the evidence supporting that assertion to me. I dispute that the non-refundable term was reasonably disclosed at checkout. 2. The cancellation occurred on the same day as the booking, and I immediately rebooked with the same merchant. This is not a case of a consumer abandoning a transaction XXXX retained my business. 3. Affirm, as the creditor, has an independent obligation under the Fair Credit Billing Act and its own billing-error procedures to substantively review disputes, not to defer reflexively to the merchant 's policy. XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: Global Tel*Link Corporation
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against GlobalTel, a telecommunications company, for deceptive billing practices and refusal to issue a refund for a service that was never used. On or around XX/XX/year>, I was charged {$54.00} by GlobalTel for a 90-day inmate calling service. Shortly after signing up, the inmate this service was intended for was transferred out of the facility, making the service completely unusable. I never made a single call or used the service in any way whatsoever. I contacted GlobalTel multiple times requesting a full refund. Instead of resolving my complaint, the company : 1. Repeatedly responded with sales pitches instead of addressing my refund request 2. Cited a {$19.00} non-refundable fee that was never disclosed in their advertising or at the point of sale 3. Refused to issue a full refund despite the fact that zero service was ever rendered Their own advertising materials show the {$54.00} package with no mention of any non-refundable fee. This is deceptive and misleading to consumers. I am requesting the CFPB investigate GlobalTel for deceptive billing practices and failure to disclose fees, and that I receive a full refund of {$54.00}. I have all email correspondence and screenshots of their advertising saved and available as supporting documentation. Thank you for your time and assistance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: PA

Complaint narrative:
I am filing a complaint against PayPal regarding funds being held in a permanently limited account. My PayPal account was permanently restricted without a clear explanation. At the time of limitation, my account held a balance of {$150.00}. These funds are from a legitimate refund issued by XXXX for a canceled order. This was not a disputed transaction, chargeback, or unauthorized paymentit is a completed merchant refund. PayPal is currently holding these funds for up to 120180 days despite the fact that there is no reasonable risk associated with this specific transaction. I have not been provided with a clear justification for why these particular funds can not be released. I am requesting : A manual review of my account and the held balance Immediate or expedited release of the {$150.00} A clear explanation of the reason for the permanent limitation I am willing to provide documentation from XXXX confirming the refund and transaction details. I believe holding verified refund funds for an extended period without justification is unreasonable and unfair to consumers. I request prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IL

Complaint narrative:
Received emails from the agency during the following days about an owed debt. XX/XX/XXXX- {$1500.00} XX/XX/XXXX- {$1500.00} XX/XX/XXXX- {$1500.00} XX/XX/XXXX- {$1500.00} XX/XX/XXXX- {$1500.00} The original balance of {$1300.00} due was but increased consistently to interest that was being added on daily. I Spoke with agency XX/XX/XXXX about settling debt for lower amount and was told they would reach out the apartment ( original creditor ) and see if they would be able to settle. Received call from agency XX/XX/XXXX that debt amount would continue to increase because of the interest. When asking if I was able to settle for a lower price, I was told that the apartment complex denied the settlement offer. I asked if I could send another settlement offer since I did not have the {$1600.00} at this time. I was told my options are to pay in full for split the payments into 4, to be paid every two weeks until the debt was paid. I explained that neither option was feasible, and I was told that if I did not pick an option TODAY the interest on the debt would continue to increase. The agency continued to tell me the apartment refused to settle the debt, but I am aware that collection agencies buy debts from creditors and the collection agency themselves decides if and how much they want to settle a debt for. I also was under the impression that you could not add interest onto a debt if not previously agreed upon. When we did settle on a more realistic amount, I was told the entire amount needed to be paid and splitting the settlement amount was no longer an option. I ended up settling the debt, but I will now be in a financial deficit as the agency alluded to the price continuing to increase if it was not paid at that exact moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am submitting a complaint regarding a fraudulent XXXX transaction in the amount of {$880.00} processed through my account with Bank of America. This transaction was made as a result of fraud and misrepresentation. I was deceived into sending funds under false pretenses by an individual who misrepresented the purpose of the payment. Once the funds were sent, it became clear that I was the victim of a scam. I immediately reported the issue to my bank and filed a fraud claim requesting an investigation and review of the transaction. However, the claim was denied without a proper investigation, without requesting any supporting documentation from me, and without providing meaningful details of how the decision was reached. I was not given a fair opportunity to submit evidence before the decision was made, and no clear explanation or documentation of the investigation was provided. I requested reconsideration of the denied claim, but the decision remained unchanged without adequate review. I am requesting a full and fair investigation of this fraudulent transaction and reconsideration of the denied claim. I believe the transaction qualifies as fraud and should be reviewed accordingly.

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 2026-04-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I am filing a complaint regarding a denied fraud claim associated with my XXXX XXXX XXXX XXXX prepaid card issued through XXXX XXXX I was informed that my dispute was denied due to not being submitted before a deadline ; however, no representative has been able to provide the actual deadline date or any documentation supporting this claim. I was also instructed to submit an appeal to a non-monitored no-reply email address, and I have not received any response or confirmation of receipt. When I raised this concern, no resolution was provided. I did not activate the original card and did not receive or knowingly use any replacement card. I was informed that a replacement card was issued on XX/XX/XXXX and used on XX/XX/XXXX. These transactions included a {$340.00} withdrawal at a XXXX in XXXX, XXXX and XXXX {$10.00} transfer via XXXX XXXX. I do not reside in that area and did not authorize these transactions. I was also provided conflicting information that the card had previously been used on XX/XX/XXXX, at which time the full balance was depleted and the account was closed. It is unclear why a replacement card would be issued in XXXX if the account had already been depleted and closed in XXXX. This inconsistency raises serious concerns regarding the accuracy of account records and possible additional fraudulent activity. I initially contacted the company in XXXX after receiving a letter indicating that the card had not been activated. At that time, I attempted to obtain information regarding the card but was unable to receive clear guidance or resolution. I also contacted the XXXX XXXX XXXX during that period with no success. I made another attempt in XXXX, again without receiving meaningful assistance. I only became aware of the fraudulent activity on XX/XX/XXXX after seeing information regarding the XX/XX/XXXX expiration deadline and contacting the company to request a replacement card. Additionally, I was informed that my Social Security XXXX was used to activate the replacement card, which I did not authorize. This raises concerns of identity theft. I requested documentation including dispute deadlines, transaction history, card issuance and activation records, and authorization records, but this information has not been provided. I am requesting that this matter be fully investigated, my fraud claim be reopened, and that the {$350.00} in funds be restored to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: OK

Complaint narrative:
I did an instant transfer from XXXX under handle @ XXXX XXXX XX/XX/year> in the amount of XXXX to an old credit card with XXXX XXXX XXXX XXXX which has been closed for XXXX years. The app defaulted to this old card ending in XXXX. I have only ever had a credit card with XXXX XXXX XXXX XXXX. I can not find a credit card that ends in XXXX. I do not know what company the card was actually with. I have talked to capital XXXX, chase, synchrony, XXXX XXXX, XXXX XXXX, XXXX bank and Ive never had a card ending in XXXX with any of those companies. I have looked at my credit report and can not find a card I ever had ending in that. Ive had only XXXX bank accounts not ending in XXXX. XXXX states the money sent to XXXX XXXX XXXX XXXX and was accepted. XXXX XXXX XXXX XXXX states they have. It. I have filed XXXX disputes which XXXX declined stating it went thru and they wont refund my money. The money has not shown up anywhere and XXXX missing it. I have spent countless hours on the phone and spoken with XXXX XXXX XXXX XXXX and XXXX customer service probably XXXX times each. XXXX customer service cant and wont help me and make me email the dispute department who just keeps shutting me down saying its closed. I need help to get my money back. See the attached documents which include the only things XXXX would send me and my emails back and forth with them asking for more info. There is a transaction id for XXXX, there is an acquired reference number but they wont send me an ach trace number which I continue to ask for to track the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
On XX/XX/XXXX I submitted XXXX XXXX request # XXXX. It is now XX/XX/XXXX and my request has not been processed. This XXXX month delay and subsequent interference with XXXX XXXX XXXX v. XXXX XXXX 's good faith requirement.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: TX

Complaint narrative:
I already stated this your site erased it. I hope you still have it! Comerica bank stole {$250.00}. From me over a month ago and no response!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Sent email to relative with complete debt information including original debtor, date of default, amount of debt on XXXX XXXX. Email address email was sent does not belong to me and has never been used by me or provided to creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has provided no substantive response. My XXXX prior CFPB complaints have each received only generic acknowledgments and boilerplate responses from Wells Fargo XXXX XXXX XXXX XXXX XXXX, none of which addressed the specific information requested. On XX/XX/year>, Wells Fargo 's outside counsel ( XXXX XXXX ) emailed me asserting 'all of this has been explained to you, ' which directly contradicts Wells Fargo XXXX own written record.

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: LA

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am filing a complaint regarding American Express XXXX and the handling of complaint case XXXX. I was charged {$120.00} and had travel credits used in connection with a booking change that was not clearly authorized. As part of this change, my ticket was downgraded from first class to economy while I was still charged an additional {$120.00}, resulting in a worse travel outcome at a higher cost. Approximately XXXX week prior to my flight, I contacted American Express XXXX to book this flight. The call was disconnected before the booking was clearly confirmed. A voicemail was left but was not received at the time as it was filtered to my voicemail spam folder. Despite the lack of confirmed communication, a ticket was issued through XXXX XXXX shortly after that call. The night before my flight, when attempting to check in through the XXXX XXXX app, I received an error and discovered that a valid ticket had not been properly issued by American Express. I then spent approximately XXXX hours on the phone attempting to resolve the issue under time pressure. In total, I have spent over XXXX hours seeking updates, an explanation of the charge, correction of my travel credits, and a resolution timeline. I was given an estimated resolution date of XX/XX/XXXX and promised a XXXX callback, neither of which occurred. The case was then closed based on an alleged voicemail that I did not receive, with no additional follow-up attempts. This reflects a failure in the dispute resolution process. I am requesting a refund of the {$120.00} charge, correction of my travel credits, and additional goodwill compensation given the downgrade in service, time spent, and lack of follow-through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX 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 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I am an honorably XXXX veteran rated 100 % service-connected XXXX. My reliable monthly income is {$4000.00} in VA XXXX compensation plus documented XXXX earnings from XX/XX/XXXX through XX/XX/XXXX. My XXXX score at application was approximately XXXX. On XX/XX/XXXX, I submitted an online credit application through a dealership in Indiana for financing on a XXXX XXXX XXXX XXXX XXXX listed at {$61000.00}. The dealership submitted the application to multiple lenders. Westlake was the only one to return an approval, conditioned on a {$15000.00} cash down payment a material departure from the terms I applied for, and therefore adverse action under 12 CFR 1002.2 ( c ) ( 1 ). On XX/XX/XXXX, I called Westlake at ( XXXX ) XXXX. The call lasted 1 hour, 59 minutes, 39 seconds. During that call I spoke with two unnamed agents, a call-center floor lead, a Lending Advisor in the Retention Department , and an employee of the New Loan Department . I repeatedly requested to speak with an underwriting supervisor. No supervisor with underwriting authority was ever made available. I asked the Retention Department advisor to identify the specific underwriting criteria that prevented approval on other terms. He stated there were " certain things in place '' but refused to identify them. He also volunteered that he was not earning commission on my file and therefore there was " nothing he could do '' raising concerns about how Westlake 's compensation structure affects consumer treatment. The New Loan Department employee stated verbally that my application failed an internal XXXX XXXX threshold and undisclosed " income requirements. '' These reasons were not provided in writing. As of today, I have not received any written adverse action notice compliant with 12 CFR 1002.9 or the FCRA disclosures required by 15 U.S.C. 1681m. I am concerned that my VA XXXX income may not have been given full consideration, in violation of 12 CFR 1002.6 ( b ) ( 5 ), which prohibits discounting income because of its source. Additionally, the Retention Department advisor provided me an incorrect legal mailing address for Westlake. He stated the address was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The publicly listed correspondence address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Providing a consumer with an incorrect address for legal correspondence obstructs the exercise of statutory rights.

Company response to consumer: Closed with explanation