vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Sezzle Inc.
State: TX

Complaint narrative:
Yes my name is XXXX XXXX XXXX I have a problem! With a company sizzle it was really awkward cuz there was charges i did not recognize and late fees not 1 but 2 for 7 transactions I dont remember! But look at this I had the best subscription that I did not have to pay late fees! I called them to say or 3 days before n they were gon na call me to reacchudle cuz I couldn do it manually! Around that time there was a tragedy in my family! They never email! They never called back! Never heard! Ok they closed! Down! My score went down a few points! N they reopen it! And claim Im 30 days late! N its a delinquent report! When they are emailing! To the hacked email to the hacked number so I told them there was fraud! And they dont remember or not answer! I have a list of things that were breach n to my surprise sezzele was! Involved! Like this is fraud to charges when I was not supposed to pay that n too much! I tried fix thing no help! Nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: VA

Complaint narrative:
In early 2025 I received a letter from what looked to be XXXX XXXX. It stated I owed them several XXXX dollars. I had never received anything from XXXX XXXX prior to this letter. Our home wireless service at the time was XXXX. Several years ago we had a XXXX XXXX plan but it was under my wifes name. I assumed this was some type of phishing scam so I threw the letter away. XXXX XXXX later I received another letter asking for more than {$600.00}. 

In XXXX of 2025 I received an alert from my credit monitoring service. My credit score had dropped to XXXX from approximately XXXX. The fictious company claimed I did not pay a debt. On XX/XX/year> I reached out to XXXX fraud division. They confirmed I did not own them money and they sent me an email later that day so I would have it for my records. 
On XX/XX/year> I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX trying to collect the same XXXX XXXX debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
On XX/XX/XXXX, opened a Current XXXX XXXX. On XX/XX/XXXX, received from my credit monitoring agency that a new Current XXXX XXXX Account had been reported. I do not recall submitting an application for the XXXX XXXX Account, nor do I want such account. I do not need this product either, since my credit is already excellent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: PA

Complaint narrative:
At this point I am only focusing on the random fee and escrow amounts these companies have stolen but if they do not give that missing money back and payoff the rest of the mortgage loan, I plan on going to court and have them explain : 1. Where the missing escrow money went. 
2. What the random fee they took was for on the XX/XX/year> statement. 
3. How much additional interest I was forced to pay due to the constant misapplication reversals and unapplied fund they force on me because of their incompetence. 
4. The multiple times I had to prove over and over that I pay my own taxes and insurance shows intent to steal in my opinion. 
5. The constant money they placed in unapplied funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I am unable to provide my account number because i am unable to access it, ( see included attachment ). My Paypal name is XXXX XXXX. Email is XXXX. 

Unauthorized charge from XXXX occured XX/XX/year>. Unauthorized because was a canceled subscription. XXXX XXXX support refunded me the same day. 
The charge was an ACH withdrawal via PayPal using my linked bank account, which i have tried numerous times to unlink with no success. Because of this, on XX/XX/XXXX, i told my bank that i dont authorize any withdrawals from Paypal as ive tried to unlink my account & it doesnt work & Paypal customer service is the worst. It's all AI & the bot is awful. So my bank, via XXXX XXXX, was supposed to block the attempted withdrawal. Instead, they not only failed to do that but also charged me a XXXX dollar return ach fee, twice because Paypal tried numerous times to withdraw for a transaction that their own system shows was refunded the same day it occured. Paypal has sent me an email, telling me I owe them money, & theyve deducted the amount from my paypal balance. Their accounting error has taken me negative in my paypal & also, racked up XXXX dollars in erroneous fees for returned ACH withdrawals which were both Unauthorized & erroneous to begin with. I get hung up on when I call. Or spend over half hour on hold before hanging up. Its been two hours & no agent will talk on support chat, it is just the bot.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After examining my current record, I have noticed that it contains several errors and omissions that misrepresent my financial history. I respectfully request a detailed assessment and the appropriate corrections to ensure the information is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In late XXXX and early XXXX, my SYNCB/Amazon credit card account was reported as 30- and 60-days late.

The missed payments occurred because I did not receive billing statements or payment notices during that period. As a result, I was not aware that payments were past due at the time.

As soon as I became aware of the issue, I immediately paid the full balance and brought the account current. The account was then paid in full and subsequently closed.

Prior to these late payments, the account had a positive payment history. Since resolving this matter, I have continued to manage all of my credit accounts responsibly and make payments on time.

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 2026-01-12 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: VA

Complaint narrative:
I booked and prepaid an Executive Room in XXXX through Amex Travel on XX/XX/XXXX using my American Express Platinum Card. The booking confirmation and listing described a premium room category. 

When I checked in on XX/XX/XXXX, the hotel provided a materially inferior room category that did not match what was booked. I notified American Express immediately at check-in. American Express attempted to contact the hotel, but the hotel did not respond. I was provided a reference/chat ID ( ID XXXX ) and was instructed to submit a claim after checkout. 

I checked out on XX/XX/XXXX and submitted the claim ( dispute ID XXXX ) as instructed. American Express closed the claim immediately ( twice ), stating that the transaction was older than 60 days and therefore could not be investigated. I contacted American Express again to explain that this was a services-not-rendered issue and that the service date was XX/XX/XXXX, not XX/XX/XXXX. The claim was reopened and then closed again for the same reason without substantive review. 

This matter is not a billing error. It concerns failure to deliver the contracted travel service as described, where the relevant date is the date of service. It was not possible to know at the time of booking that the hotel would fail to provide the booked accommodation. I also satisfied all notice requirements by reporting the issue immediately upon arrival. 

I have supporting documentation, including booking confirmation, listing details, photographs showing the downgrade in room category, and ID record of my communications with American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NC

Complaint narrative:
I run a business where I regularly take XXXX payments. After some time, my account was flagged and I was not notified until I called U.S. Bank themselves. I was redirected to their compliance team where I was told that my account was closed and that no further information would be provided to me about the closure.

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 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because a payoff/refund transfer between Capital One Auto Finance and XXXX XXXX has still not been properly resolved after several months, and I am being placed in the middle of an ongoing accounting failure between the two companies. 

In XX/XX/year>, a refund/payoff amount of {$11000.00} from Capital One was supposed to be sent to XXXX XXXX in connection with a refinance transaction. XXXX has repeatedly informed me that they are still waiting to receive these funds. Capital One, on the other hand, states that the funds were sent, yet they have been unable to provide verifiable proof of delivery and previously referenced a XXXX tracking number that could not be tracked. 

More recently, Capital One sent a voided check to XXXX to allegedly set up XXXX transfer, yet XXXX still reports that no funds have been received. This delay has now lasted several months, which is completely unreasonable for a lender-to-lender payoff transaction. 

Although I continue to make my required payments to Capital One because the loan remains open, I am extremely concerned that two financial institutions can not reconcile a large payment that they both acknowledge exists. I should not be responsible for monitoring, coordinating, or resolving internal payment processing failures between two lenders. 

Additionally, XXXX previously provided written confirmation that my XXXX loan account was paid as agreed and closed, while also stating they are still waiting on funds from Capital One. Capital One states that funds were sent, yet XXXX has not received them. These contradictory positions place me at risk of future disputes, credit reporting errors, or collection issues despite me complying with all of my payment obligations. 

I have spent months making phone calls and following up, receiving inconsistent and conflicting information, and being left without clear resolution while the funds remain unaccounted for between the two lenders. 

I am requesting regulatory assistance to require Capital One Auto Finance and XXXX XXXX to immediately resolve and reconcile the outstanding payoff amount between them, provide written confirmation that the matter has been fully settled, and ensure that no negative or inaccurate credit reporting, fees, or account actions occur as a result of their internal failures. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
b'I filed a dispute previously with Consumers Finance and now the company is reporting this loan as open after 6 1/2 years. Loan taken out XXXX They sold my car and told me I only owed XXXX they are reporting a balance of XXXX  with a past due amount of XXXX. I have filed many disputes through out the year with all credit bureaus. XXXX, XXXX & XXXX. They have destroyed my credit score for almost 7 years and sold my XXXX XXXX XXXX XXXX  for less than the value of the car. My XXXX was in mint condition and worth XXXX  at least at the time of sale. I want them to remove the lie off my credit reports and they should pay me for slander. I want this removed from my credit reports entirely. I am seeking suit and will retain all records for the lawsuit. I am requesting all records be sent to my email address: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
A charge account was opened in my name and applied for on XXXX XXXX 2026. The Company shown is XXXX XXXX XXXX. There is also additional credit used associated with my account Paypal account. The amount was XXXX. I currently have not been able to dispute that charge.Other charges are being added to my name daily and unsure how to stop it.

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 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I used XXXX XXXX money remittance, and I found out that someone used a different telephone number under my own name and e-mail address to take {$1900.00} dollars out of my Wells Fargo account. I have submitted document to the fact that I don't know the telephone number and that I have not authorized such transactions. 
The company keeps brushing off my request and my concerns. 
I have filed a police report with XXXX Police Department and Police Report # is XXXX. 
I have also attempted Wells Fargo and I keep getting same run around.

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 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
They repossessed the car and in XXXX days they sold the vehicle at an auction. I tried to get the price of what they sold the vehicle for and the balance they never did they charge me for the whole vehicle that I dont have I would like this to be off of my credit immediately I no longer have the vehicle its sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX'I received a letter it said -please contact us or use your account to keep it open. Date of notice XXXX  i tried to open it up online no luck then i went to bank of America ,they said account was deactivated and they could do nothing. I was told to call XXXX XXXX could not verify me without my s.s. or account number, i gave it both and it did not recognize either one? then i tried XXXX XXXX XXXX XXXX same problem. all i want is to reopen my account or cut me a check. I looked out on unclaimed property its not there so they still have it.'

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 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
In mid XXXX between XX/XX/XXXX and XX/XX/XXXX, I contacted radius global solutions because I had a debt of about {$210.00} or so. I spoke with a supervisor who told me that for {$100.00} they would settle and I would owe nothing and it would be satisfied in full and that I would get a letter and email that it was satisfied in full and they would contact all credit bureaus letting them know it was satisfied in full. They then sent me an email stating that I still owed {$100.00}. This does not go along with the agreement that I work out with them. I have called more than 5 to 8 times and they told me the supervisor was going to send the letter of paid in full, but I have received nothing. They keep telling me the same thing over and over that I will receive it. I am not receiving it. I have not received it and they are just going in circles. Their line is recorded and they should have the recording that this debt should be satisfied

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 non-monetary relief
Consumer complaint received 2026-01-12 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: TX

Complaint narrative:
My XXXX account was locked because the system says my phone number is not mine. I urgently need access to {$50.00} that my XXXX sent me so I can buy gas to get to work today. 

I contacted XXXX customer service and the agent told me it would take XXXX days to resolve. When I asked for his customer service ID and the ticket number so I could file a complaint, he refused to provide either and then disconnected. 

The app will not allow me to verify my identity using my drivers license or state ID, so I can not resolve the issue myself. I need XXXX to unlock my account or release the funds immediately. 

I'm requesting urgent assistance because this delay is causing financial hardship and preventing me from getting to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BROKER SOLUTIONS, INC.
State: VA

Complaint narrative:
I am submitting a formal complaint regarding a mortgage loan assumption request handled by New American Funding in connection with the sale of my home. 

All requested loan assumption documents were submitted promptly on XX/XX/XXXX. The application was not marked as complete until XX/XX/XXXX. The loan assumption was ultimately denied on XX/XX/XXXX, nearly eight weeks after the initial submission. 

During this period, communication from New American Funding was minimal and lacked clear timelines or expectations. In early XX/XX/XXXX, a representative informed me by phone that the matter had been escalated internally for review, indicating an issue with the process. 

The denial was communicated only days before the planned closing date, leaving the buyers without sufficient time to secure alternative financing. As a result, the home remained off the market for an extended period, other potential buyers were lost, and the sale price ultimately had to be reduced by {$40000.00} in order to preserve the transaction. 

I attempted to resolve this matter directly with New American Funding. On XX/XX/XXXX, I submitted a formal escalation request outlining the timeline, communication failures, and financial impact. The company acknowledged this request in writing and confirmed it had been escalated to management for review. On XX/XX/XXXX, I sent a follow-up requesting a status update. As of XX/XX/XXXX, no response, update, or resolution has been provided. 

This reflects a failure to manage the loan assumption process in a timely manner and a failure to respond to a formal escalation, resulting in direct financial harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: DISCOVER BANK
State: TX

Complaint narrative:
I paid multiple charges for XXXX  services that were never delivered. Starting on XX/XX/2025, The funds amounting to a total of {$2600.00} were released through the XXXX platform to a party who was impersonating my XXXX  or who failed to perform any agreed work. 

No meaningful services were provided despite payment. This was not a quality dispute, the XXXX was completely impersonating a much more skilled person which led to the payment of source code that did not work. 

I provided evidence of impersonation, non-working code, and platform refusal to resolve the issue, to XXXX  on XX/XX/XXXX to XXXX different representatives, to XXXX on XX/XX/XXXX, and XX/XX/XXXX to XXXX additional representatives. I also attempted to resolve this with discover card, but the card issuer denied my disputes without properly applying fraud and services not rendered protections under card-network rules when I reached out starting XX/XX/XXXX. 

I am requesting a compliance-level review of these charges, application of the appropriate fraud and non-performance protections, and appropriate credit.

Company response to consumer: Closed with monetary relief