vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
So had. XXXX account for a while but t didnt account wasnt verified so I have been playing XXXX XXXX XXXXXXXX XXXX been playing and using my XXXX  account for last XXXX months so on XX/XX/year> put some money on app and want to sleep woke next day at night and was checking my accounts and seem that there was a lot of charges about to clear that I knew most of charges were unauthorized so there was a total of XXXX and after those transactions there was XXXX and I had Call merchant and emailed and called XXXX too be not only did I not approve most these charges but my bank never stopped any charges or reach out to me and get approval for XXXX XXXX transactions and I authorize XXXX of those transactions for XXXX but again my never reach or even tried to stop so XXXX transactions of XXXX came through and only authorized XXXX for XXXX had a total of XXXX taken that night and that never happened before and then XXXX froze my account and basically wasnt even trying to get my money back got Evidence and police report but the not even trying act like they trying to get my money back money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DISCOVER BANK
State: MD

Complaint narrative:
I am submitting this complaint regarding Discover Banks denial of my claim for unauthorized electronic fund transfers and reversal of provisional credit in violation of the Electronic Fund Transfer Act ( Regulation E ). 

My mobile device and debit card were stolen around XX/XX/year>. I did not give anyone permission to access or use my device or debit card. On XX/XX/year>, I placed my phone in Lost Mode. I recovered my phone on XX/XX/year>. 

While my phone was missing and before it was recovered, multiple unauthorized debit transactions were made to XXXX and XXXX on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, totaling {$4200.00}. I did not authorize these transactions, do not recognize the purchases, and did not create or use an XXXX account for these charges. 

I reported the unauthorized transactions to Discover within 60 days of the statement reflecting the charges. Under Regulation E, my liability is capped at {$500.00} unless Discover can prove that I personally authorized the transactions. 

Discover initially issued provisional credit but later reversed it, stating only that merchant documents support authorized transactions. However, Discover has not provided any evidence that I personally authorized these transactions. They have not cited biometric authentication, passcode entry, password login, device authentication logs, IP address verification, or any proof that I initiated or approved the transfers. 

The fact that correct card information was used does not constitute proof of authorization under Regulation E. 

I have provided Discover with an FTC Identity Theft Report, an approved police report documenting the theft and fraudulent use, and documentation showing my device was placed in Lost Mode. 

All unauthorized transactions occurred while my phone was missing and before it was recovered. 

I respectfully request that Discover comply with Regulation E, provide documentation demonstrating how they determined these transactions were authorized by me, and restore the reversed credit consistent with federal consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I've reached out to the XXXX and the FDIC. The XXXX is constantly trying to resolve the issue and they asked for correspondence from the bank to myself regarding the complaints I've made regarding my account constantly being overdrafted. The bank refuses to give me written communication by email or even in the app about the situation. They will only call. The FDIC said they forwarded my complaint to the CFPB because they are under their direct supervision. The bank processes my debit transactions on my debit card as credit transactions and then proceeds to overdraft my account which is not overdraft opted. Everytime I make a transaction, I transfer money onto my debit card to make any transactions. I just want my debit card to function as a debit card just like it does when trying to make transactions. If I don't have the funds available it will decline. Why am I being overdrafted on a debit card that's not enabled into overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I have been attempting to refinance my mortgage with Freedom Mortgage since XXXX. I received various communications via mail and unsolicited phone calls from Freedom Mortgage about a FHA Streamline Refinance. I talked with quite a few bankers who all were selling me on the mortgage by saying there would be no credit pull and XXXX CLOSING COSTS. I waited on the interest rates to drop and in XXXX started the refinance officially, since the rates dropped favorably. 
We were initially set to close on XX/XX/XXXX. My wife had a work situation come up and we were going to cancel. The communication at the time was that we were not going to pay any closing costs, and instead, we would receive a {$500.00} refund from Freedom Mortgage due to an escrow overage. 
We rescheduled the closing to XX/XX/XXXX. At that point, I got a message that we had to pay {$1900.00} in closing costs. After speaking with Freedom, they did 'something ' and brought it down to {$690.00}. I never got a clear explanation as to the difference in closing costs. I cancelled the closing again because I was promised no closing costs and we could not afford to pay that on the day of, after being told multiple times we would not have to pay anything. 
I waited a week for things to settle after paying the mortgage and an escrow balance coming out for property taxes. I spoke with another banker who let me know she " re-worked '' things and sent me a closing estimate showing that if i closed in a week, I would only pay {$320.00} in closing costs. We are set to close today, XX/XX/XXXX, and I received a new disclosure stating I have to pay over {$800.00} in closing costs. When speaking with Freedom Mortgage, they state it was for Homeowner 's Insurance that was not 'added on " to the original disclosure. 
Historically through this process, it is very difficult to get a hold of anyone with Freedom. Those I can finally get in person claim they will 'send messages ' to the bankers I am working with, but I never get a call back. It takes hours to get any type of response, and usually they just reach out to tell me they are " working on it '' but nothing else. 
I attached the initial closing disclosure then the one we got today before closing. I can also provide emails or whatever else needed.

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 2026-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
On XX/XX/year> I went online to Synchrony Bank 's website ( they manage my XXXX account ) to get my payoff balance. The website reflected a balance of {$930.00}. I paid that amount and Synchrony verified they received the payment on XX/XX/XXXX. I just received a statement from them showing a residual balance of {$2.00}. I called, and a rather curt supervisor named XXXX indicated that the {$2.00} was due that he was not about to waive the interest fee. I tried to reason with him but he was not going to comply. I asked for his supervisor and XXXX indicated it would do no good as I would get the same answer from them. I believe the residual interest charge, since I paid the balance, should be waived.

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 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC.
State: IN

Complaint narrative:
These disrespectful scam artists have crossed the line by bullying and threatening my son and I so my cordial behavior ends NOW. 

The Harassment, Lies, and Manufactured Narrative Lets address the behavior of XXXX XXXX, AFNI, and the other driver, XXXX : Lying to the other driver saying we weren't covered because we didn't have insurance is XXXX. The insurance was effective at the time of the accident They have called multiple times per day, escalating in tone and aggression. 

They have made false accusations, including claiming XXXX was under the influence a claim the police themselves dismissed by not administering a sobriety test or making an arrest. 

They have claimed I refused to let them speak to XXXX, which is false. I told them he would not speak without me present which is his right. 

They claimed they tried contacting us since XX/XX/XXXX, which is demonstrably false. 

We requested dates, times, and proof of these alleged attempts. They refused to provide any. 

We obtained a postal dossier showing no mail from XXXX, XXXX, or AFNI prior to XX/XX/XXXX. 

We obtained phone records showing XXXX calls from any of them from XX/XX/XXXX to XX/XX/XXXX. 

We have lived at the same address for 10 years. 

I have had the same phone number for 23 years. 

XXXX has had the same number for years. 

If they can reach us now, they could have reached us then. 

Their story collapses under the weight of basic logic. 

Please don't make us circle back to your insured again. XXXX XXXX from XXXX XXXX and his supervisor, XXXX XXXX, AFNI, and the other driver are NOT about to keep making up lies and trying to bully my son. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I received a {$1900.00} federal tax refund into my checking account with JPMorgan Chase Bank. Shortly after the deposit posted, I attempted to transfer funds to my fianc via XXXX which I have done numerous times with no issues. The transfer initially failed, so I retried a few times and later attempted a split transfer because I believed I was just having bad service since I was at work. During this time, I received a fraud alert call from Chase and verified my identity while on the phone. While I was actively verifying my identity, one of the transfers processed successfully even after the agent told me they were canceling all transfers via XXXX and Im assuming they forgot one transfer since it processed successfully to my fianc.

Immediately after this, I was locked out of my account and later informed that my account would be permanently closed due to unspecified fraud or risk concerns.

I did not authorize any fraudulent activity. The deposit was my legitimate federal tax refund, and I verified my identity when contacted by the bank.

At this time, approximately {$950.00} remains in the account, and I am expecting an additional direct deposit from my employer which may increase the balance to approximately {$1000.00}. I am currently unable to access these funds due to the account closure, despite the bank still potentially accepting incoming deposits into the account.

My concerns are : 1. Closure of my account without a clear explanation after verifying my identity.

2. Ongoing acceptance of deposits into an account I can not access.

3. Lack of communication regarding when my remaining balance will be returned.

I am requesting : Immediate confirmation that no further deposits will be accepted into the closed account.

Immediate release of all remaining funds owed to me.

Written confirmation of how and when my full remaining balance will be returned.

I am requesting fair and timely access to my legally deposited funds.

In addition to requesting the immediate release of my remaining funds, I am formally requesting a review of the decision to permanently close my account.

I verified my identity during the fraud alert call and did not authorize any fraudulent activity. The transfer attempts were made by me using my own funds from a legitimate federal tax refund deposit. I believe the account was closed due to automated fraud monitoring rather than confirmed wrongdoing.

I am requesting that Chase conduct a full manual review and reconsider the permanent closure of my account. If reinstatement is not possible, I am requesting written documentation clearly explaining the specific reason for closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
I am supplementing my prior CFPB complaint ( XXXX ) and FTC report ( XXXX ) regarding XXXX continued servicing of a contract obtained through dealer fraud. I purchased a 2019 XXXX XXXX XXXX and paid a {$2500.00} down payment on XX/XX/XXXX, but CPSs contract incorrectly reflects a {$5000.00} down payment. The vehicle was delivered on XX/XX/XXXX and became unsafe within minutes, overheating after driving only 3 miles, requiring it to be towed back to the dealership within an hour of delivery. I notified the dealer and CPS immediately and provided documentation, but they continued enforcing the contract without escalating to internal compliance, pausing collections, investigating the dealers misconduct, or issuing written findings. I am requesting a full compliance review, a pause in collection activity, correction of the downpayment discrepancy, and recession of the sale and contract due to clear evidence of fraud and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Unfair Withholding of Security Deposit and Lack of Adverse Action Notice Company : Capital One , N.A . 

Account Type : Secured Credit Card Internal Case Number : XXXX Description of Incident I am filing this complaint due to Capital Ones failure to provide required notice regarding the disqualification of my account and their subsequent refusal to return my personal security deposit ( {$200.00} ) and earned referral bonus ( {$50.00} ) in a reasonable timeframe. 
I was recently accepted for a Capital One Secured Card. I fulfilled my obligations by paying the {$200.00} security deposit and successfully referred a new customer to Capital One, earning a {$50.00} referral bonus. Shortly thereafter, I discovered my account had been restricted/disqualified.

Key Points of Grievance : 1. Lack of Notice : Capital One did not provide any notice ( written or electronic ) regarding the account suspension or disqualification. I only discovered the status by manually checking my account and initiating contact myself. This appears to be a violation of the Equal Credit Opportunity Act ( ECOA ) requirements for " Adverse Action '' notification.

2. Unreasonable Withholding of Funds : Upon calling, a Senior Account Manager informed me that I must wait four billing cycles ( approximately 120 days ) to receive a refund of my own security deposit. This would leave me without access to my own capital for nearly six months.

3. Refusal to Expedite : Despite the bank initiating the disqualification and the fact that these are personal funds ( not a credit line ), the Senior Account Manager stated there is " no override '' available to expedite this refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: NV

Complaint narrative:
US Bank I believe is purposely holding deposits to initiate over draft fees. I got one fee and then the next day 3 more, totaling {$140.00}, when a check had previously been deposited to cover the funds. I called and they refused to remove any overdraft fees. They could not explain why they are holding the check and still holding it today when I have never had a check held in the past. This is exactly what wells fargo was doing and why they were sued and this is why US Bank had a lawsuit against them in XXXX  for a XXXX XXXX dollar settlement. I believe they are manipulating deposits to allow unjust overdraft fees. I live check to check and that {$140.00} affected me and I am sure it affects others going through the same.

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 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I am filing this complaint against XXXX for refusal to close my account and improper retention of my personal and financial data. 

On XX/XX/year>, I reported a fraudulent transaction of {$51.00} ( XXXX ). XXXX denied my initial claim, forcing me to resolve it via my bank. On XX/XX/year>, my bank finalized a formal ACH Return ( RET UNACH OF ) for {$51.00}, legally recovering the funds from XXXX. 

On XX/XX/year>, XXXX agent XXXX XXXX ( Case XXXX XXXXXXXX ) confirmed in writing that the account was unfrozen and that my bank account was invalidated due to the claim. However, since XX/XX/year>, XXXX system has blocked all attempts to close my account, citing an 'open dispute. ' On XX/XX/year>, agent XXXX XXXX sent a contradictory response claiming the dispute is still 'open with the bank. ' This is factually incorrect ; the bank finalized the recovery XXXX days ago. XXXX is currently providing inconsistent information across different agents and using a technical system error to prevent me from deleting my account and personal data. I am requesting that the CFPB compel XXXX to manually clear this flag and finalize my account closure immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Home Loan Center, Inc.
State: FL

Complaint narrative:
On XX/XX/year> they contacted me about a loan at first I thought they were legit but then they asked for access to my bank account. They then deposited 4 fraud checks into my account and reversed a number of payments causing me to loose my home and electric plus took XXXX out of my account which has caused me to fall behind on many bills with my bank locking my account down then randomly closing the account checks I would rely on to pay my bills have disappeared

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: Driveway Finance Corporation
State: CA

Complaint narrative:
On XX/XX/year>, I paid {$9500.00} XXXX  Driveway Finance Corporation XXXX  pay off a repossessed vehicle belonging XXXX  my deceased father. I acted under a small-estate/successor affidavit, which XXXX XXXX accepted along XXXX XXXX death certificate. Based on that documentation, they required XXXX  accepted my payoff funds XXXX  released the vehicle XXXX me. 

After accepting my payment XXXX  recognizing my authority XXXX  resolve the account, XXXX XXXX issued a refund check only in the name of the deceased borrower. Because the check is made solely XXXX  a deceased individual, it is not negotiable XXXX  can not be deposited. 

I requested that the refund be reissued payable XXXX  XXXX of : my fathers name or otherwise made negotiable consistent with the authority they already accepted, but they refused. 

Their refusal contradicts their prior acceptance of my affidavit XXXX  prevents me from accessing funds they owe. I am requesting that the refund be reissued in a legally negotiable form payable XXXX  the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
This is the XXXX  complaint I am filing against this firm. I am on Permanant XXXX XXXX.They have attempted previously XXXX  attach wages which is illegal. They send notices threatening wage garnishment. They need XXXX  seace XXXX  desist all attempts. If not I will be forced XXXX  sue this firm for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation