vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I ordered XXXX statues that were XXXX dimensional on what was claimed on the sales page with photos included to be on a sturdy base. What I received were XXXX flat pieces of plastic with the statue printed on them only. These are flat XXXX dimensional objects are completely different than what they have in their photos and in the description. I tried to return the product with the seller and asked them to send me a return label and they refused. I still have the product and have told people that I will return it to the vendor, but I went to the XXXX XXXX and was told that it would be over {$30.00} to ship it back to XXXX. Because this company completely scammed me, I should not have to be out {$30.00} to return it and will be glad to return it to the vendor with a return shipping label. When I filed my dispute with Citibank, there was nowhere for me to even upload any photos so they dont even know the product that I received nor what was advertised. They simply closed the dispute without even asking me for a follow up. I did not even have a chance to respond. They talked to the merchant and immediately denied my claim, and there was not even an option for me to send in the photos or to dispute their response. I will still return the product once I get a return label, but when you view the photos of what they advertised and the absolute scam junk that they sent to me, you will agree that I should not have to be out over {$30.00} to ship an item back to XXXX that was completely a scam and not what was advertised. This is how this conpany operates- they send a completely different item and know people wont pay to send it back to them ( even though it is NOT what I bought ) so they keep the money and continue scamming more people. The fact that Citibank did not even allow me to upload photos nor give me a chance to respond or file, a rebuttal is completely unacceptable. Anybody who looks at the photos of the item and description on their website and the absolute piece of junk that they sent to me, which is completely not what was advertised or pictured, would agree that I have been scammed. Citibank just closed my dispute and is allowing this scammer company to keep my money. if you read the description, it also says that it is in XXXX clear glass. I received a flat piece of plastic with the item printed on it. The fact that Citibank does not even allow me to upload photos or try to make my case, shows me that Citibank does not value their customers nor care about these international scammers.

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 2026-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I mistakenly sent a XXXX payment from my Bank of America account to the wrong person due to a phone number entry error. I realized the mistake immediately and contacted Bank of America. I requested assistance in recovering the funds and later mailed a signed certified letter to the bank over 60 days ago. 
In that letter, I formally asked Bank of America to provide the identity or contact details of the person who received the funds in error, so I could pursue legal action to recover the money. 
Despite this formal request and the fact that this loss was due to a flaw in the XXXX system ( irreversible transfers without recipient verification ), the bank has not responded at allnot even to deny the request. 
I am now seeking CFPBs assistance in compelling Bank of America to disclose : Whether they contacted the recipient. 
Whether the funds are still in the recipients account or have been withdrawn. 
The full contact information of the recipient so

I may take legal action in court. I am ready to go to court but need Bank of Americas coop
eration or at least a written refusal I can present to a judge. Their lack of response to a certified letter is unacceptable and prevents me from recovering my funds through legal means.

This incident demonstrates a serious gap in consumer protection, especially with irreversible XXXX payments. I urge the CFPB to step in.

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 2026-01-22 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: AZ

Complaint narrative:
Venmo has been holding my funds for nearly three months following a mistakenly filed dispute by my mother on a fully authorized transfer. Her account has already been restored, and XXXX has provided an ARN ( Acquirer Reference Number ) allowing Venmo to trace the transaction internally.

Despite this, Venmo continues to freeze my account and withhold my money without providing a clear reason, timeline, or written legal justification. I have opened numerous cases and received only inconsistent answers and delays.

While the amount is modest, the principle is not. No company should retain consumer funds indefinitely without due process or communication. Venmo has had more than sufficient time to resolve this matter. 

I am formally requesting immediate review by Venmos Risk and Compliance teams and release of my funds. If Venmo continues to withhold my money without justification, I will pursue all available legal and regulatory remedies.

Further delay is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I opened a new Capital One business checking account using promotional code XXXX on or around XX/XX/year>. The promotion stated that I would earn a {$500.00} bonus by maintaining a minimum {$5000.00} end-of-day balance for at least 60 days within the first 90 days, and by completing XXXX qualifying electronic transactions within 90 days of account opening. 

I fully complied with all stated requirements : I deposited more than {$5000.00} from a non-Capital One account within 30 days of opening. 

I maintained an end-of-day balance of at least {$5000.00} for more than 90 days. 

I completed XXXX qualifying electronic transactions within the required timeframe, including ACH transfers and other electronic transactions. 
Attaching the terms and conditions of the bonus. 

After the bonus was not paid, I contacted Capital One customer support. I was informed that some of the qualifying electronic transactions were allegedly invalid because they originated from another Capital One account, and that only transactions from external ( non-Capital One ) banks would be counted. 

However, this restriction was not disclosed in the promotional offer or terms and conditions. The promotion states that qualifying transactions include electronic wire, electronic ACH, and remote check deposit, but does not specify that transactions must originate from outside Capital One. 

Additionally, I attempted to complete transactions from an external bank, but encountered repeated system errors that prevented some transfers from being completed. Despite my good-faith efforts to comply with the promotion exactly as written, Capital One retroactively applied an unstated condition to deny the bonus. 

I believe this is a misleading application of the promotion and inconsistent with the terms presented at the time of account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: CA

Complaint narrative:
I am disputing an unauthorized charge of {$190.00} from the merchant XXXX XXXX ( XXXX XXXX ). I formally canceled this annual subscription on XX/XX/year>, yet the merchant forced a charge through my XXXX  account months later. 
A PayPal representative named XXXX confirmed the merchant was able to access and formally close my account on XX/XX/year>, months after my own closure. When I asked PayPal for help, they 'ping-ponged ' me back and forth to XXXX XXXX, with each saying the other was responsible. PayPal promised to follow up but never did. 
I have gone back and forth with the merchant numerous times, requesting a supervisor and a refund, but was ignored. The merchant attempted to offer me discounts and new cameras to settle the matter. I refused these offers because all I want is my {$190.00} refund. Regardless, I never received any equipment or discounts. 
I also filed a XXXX  complaint ( Case # XXXX / # XXXX ) which went ignored. This entire process has caused me a significant amount of stress and wasted time. PayPal has failed to protect me from this documented fraud. I am seeking a full refund of {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: American International Finance, Inc.
State: IN

Complaint narrative:
I have gotten several text messages from XXXX with XXXX and last night the last message sent from her was XXXX. She has been harassing not only me, my family and others. I have asked for her to stop calling family. The car payment is only 9 days behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
PenFed notified me that I had 150 days from the finance date of my auto loan to provide documents needed for lien placement / proof PenFed is listed as lienholder, and that my XXXX day was XX/XX/year>. The notice stated that if the title remained unperfected, the interest rate would increase to PenFeds highest closed-end unsecured loan rate and my payment would increase. 

After back-and-forth to determine exactly what documents were needed, I submitted the requested documents on XX/XX/year>, before the XX/XX/XXXX deadline. 

On XX/XX/year>, PenFed emailed that they could not find my loan application. On XX/XX/year>, I replied with my loan number. On XX/XX/year>, PenFed confirmed they had received everything and stated my loan rate was restored to the original terms. 

Despite this, my online portal continued to display the unsecured interest rate ( XXXX % ), and my loan continued accruing interest consistent with that higher rate. Based on my principal balance ( ~ {$20000.00} ), the displayed daily interest of ~ {$10.00} corresponds to XXXXXXXX XXXX XXXX ( not XXXX XXXX XXXX ). My payment allocation also shifted significantly ( a recent payment applied ~ {$230.00} to interest vs my typical ~ {$130.00} ). 

I contacted PenFed through the customer service portal requesting ( 1 ) the effective date of the corrected rate, ( 2 ) an interest calculation / breakdown showing what rate was applied by date, and ( 3 ) a retroactive correction and credit for any interest improperly charged at the unsecured rate after I submitted documents on time ( or at minimum after XX/XX/year> / after their XX/XX/XXXX confirmation ). 

PenFeds portal response did not address the dispute, the interest calculation, or the effective date. They replied with a generic statement that the vehicle title has still not been received and provided a link describing requirements, without responding to my request for a compliance/billing review or reconciling the higher interest being charged. 

PenFed provides an option to message the Audit Committee / Board, so I submitted the same escalation message requesting a compliance and billing review and retroactive interest correction. I did not receive a confirmation that the message was received and have not received a response ; I resubmitted it. 

PenFed continues charging my auto loan interest at the highest unsecured rate ( XXXX % ) even though I submitted the required lien/title documents before the stated XXXX deadline ( XX/XX/year>, before XX/XX/XXXX ) and PenFed later confirmed receipt and restoration of my original terms. The higher rate is causing ongoing financial harm because interest accrues daily and my next payment is approaching while the loan still appears to be at the unsecured rate.

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A Bank of America XXXX XXXX altered a negotiable check by writing XXXX without my request. This caused the check to be rejected and reversed after deposit, delaying {$17000.00} in funds and causing financial harm. I am requesting regulatory review of improper check handling.

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 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am a member of the XXXX XXXX XXXX XXXXXXXX and was ordered to XXXX XXXX in a XXXX XXXX  status with the XXXX XXXXXXXX XXXX XXXX XXXX XXXX effective XX/XX/XXXX, in support of XXXX XXXX XXXX My current period of XXXX XXXX is projected to continue through XX/XX/XXXX, and may be extended. 

Pursuant to the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 39014043, I formally requested a mortgage payment deferral on XX/XX/XXXX, due to material financial hardship resulting from my activation. This hardship includes a significant reduction in civilian income directly attributable to my XXXX XXXX XXXX 

At the time of my request, I submitted all documentation required to establish eligibility, including : Proof of active-duty Title 10 orders Verification of XXXX XXXX Financial information as requested Despite confirmation that these materials were received, I have been informed that my request was denied and that the same documentation must be resubmitted, without a clear explanation of what information is allegedly insufficient. I have complied in good faith with all requests and remain willing to provide clarification if genuinely necessary ; however, repeated requests for already-submitted documents without specificity are causing undue delay and hardship. 

Additionally, during this period, my credit score has been significantly impacted, despite my timely communication and active request for relief. Please note that adverse credit reporting resulting from service-connected hardship while an SCRA request is under review may constitute non-compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: KY

Complaint narrative:
I was sent 3 emails from Chime on XXXX XXXX XXXX XXXX saying thank you for opening an account and one email was a direct deposit form with an account number and routing number- I did not open this account. I called Chime Fraud Services XXXX XXXX XXXX  and reported this. The customer service gentleman removed my email from chime database, but I asked him to please look into and report the account number that was sent to me. Chime member stated there is no way on their end to report an account number as fraudulent and there was no way in their system to report this specific information. I asked multiple times to speak to a supervisor and was told I would not be able to speak to a supervisor as they would not be able to help me. It is unsatisfactory that I was unable to report an account number that possibly was opened in my name with my information. Even if it was a phishing email, Chime should be able to verify account and protect its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX consumer credit card issued by Concora Credit has been unusable for several weeks due to an internal security restriction. 

My address was incorrectly changed without my authorization, which caused the account to be flagged. I corrected the address through the official Concora app weeks ago and confirmed it is now accurate. 

Despite this, the card still declines immediately at the point of sale, indicating an unresolved backend security block. I have contacted customer service multiple times. Representatives repeatedly cycle me through basic troubleshooting and address verification but have not removed the restriction or reissued the card. 

I was told an investigation letter would be mailed, but nothing was ever received. The card has never functioned since reissuance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX RE : Formal Dispute of Inaccurate Information - Account ending in XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report regarding my account with Credit Acceptance Corp ( Account # ending in XXXX ) pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
Your report currently shows missed payments ( marked as delinquent ) for the months of XXXX, XXXX, XXXX, and XXXX of XXXX. This reporting is factually inaccurate. 
I made full contractual payments for each of these months on the following dates : XX/XX/XXXX : Paid on XX/XX/XXXX {$720.00} via debit card XX/XX/XXXX : Paid on XX/XX/XXXX {$560.00} debit card XX/XX/XXXX : Paid on XX/XX/XXXX {$570.00} via debit card XX/XX/XXXX : Paid on XX/XX/XXXX {$400.00} via Debit card XX/XX/XXXX : Paid on XX/XX/XXXX {$400.00} via debit card Enclosed are copies of my bank statements/payment receipts confirming these transactions. Under the FCRA, furnishers are required to report information that is accurate and complete. Because these payments were made and accepted, reporting these months as " Missed '' or " Late '' in the payment history grid is a violation of federal law.

I request that you investigate this matter immediately and update my payment history grid to reflect " Paid/Current '' for the months of XXXX through XX/XX/XXXX. Please provide me with a written notification of the results of your investigation within 30 days. 
Sincerely, XXXX XXXX ( XXXX & XX/XX/XXXX ) Enclosures : XXXX. Copy of Credit Report with inaccuracies circled. 
XXXX. Payment receipts/Bank statements for XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I made a {$3000.00} down payment at the time of purchase of my vehicle from XXXX XXXX XXXX XXXX. That down payment was not properly applied to my auto loan, resulting in a higher financed amount than agreed and unnecessary interest charges. 
I later paid the loan in full. Because my down payment was not correctly credited at the outset, I paid interest on money I should never have financed. 
I was not clearly informed how my cash down payment was applied, and dealership documentation does not reflect the transaction accurately.

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 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
RE : Formal Notice of Payment Misapplication, Illegal Interest, and Account Dispute Dear XXXX XXXX XXXX, I am submitting this letter as a formal dispute under the Truth in Lending Act ( 15 U.S.C. 1601 ) and the Consumer Financial Protection Bureau loan-servicing rules ( 12 CFR 1026.36 ) regarding my auto loan account listed above.

Your own payment history shows multiple instances where payments were properly posted and applied, and then later reversed without any NSF, returned payment, or contractual justification. These reversals caused my principal balance to increase, interest to be re-charged, and my account to be falsely shown as past due.

The specific errors include but are not limited to : XX/XX/2024 A {$500.00} payment was applied and then reversed the same day XXXX A {$350.00} payment was applied and then reversed days later XXXX A {$250.00} payment was applied and then reversed Your ledger shows XXXX NSF fees and no returned payments, meaning these reversals were unauthorized and improper.

By reversing posted payments, XXXX XXXX : Re-added principal that had already been paid Charged interest on money I no longer owed Increased days past due Created false delinquency and balance inflation This is a clear violation of federal servicing and billing accuracy laws.

I am formally requesting the following : 1. A full accounting audit of all payments, reversals, and interest charges 2. Refund of all interest charged on amounts that were wrongfully reversed 3. Correction of my principal balance to reflect the payments originally made 4. Removal of any late fees, interest, or negative credit reporting caused by these errors 5. Written confirmation of all corrections This dispute requires a written response within 30 days under federal law. If this matter is not resolved, I will file complaints with the Consumer Financial Protection Bureau, Florida Attorney General, and pursue all remedies available to me.

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