vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Driveway Finance Corporation
State: CA

Complaint narrative:
This is my third ( or fourth ) complaint regarding Driveway Finance Corporation ( DFC ), and my issue remains unresolved. DFC has repeatedly responded with generic policy explanations while failing to address the core problem I have clearly outlined in each submission. Their responses have not meaningfully engaged with my concerns and instead appear to be template-based deflections. To reiterate : When I entered into this contract in XX/XX/year>, I was not provided with functional online access to manage or update my ACH payment information. This directly contributed to the returned payments now being used against me. DFC continues to ignore this point and instead places full blame on me, despite the lack of accessible tools to prevent these issues. Additionally, I am a XXXX customer. Requiring repeated phone calls as the primary ( or only ) method of resolving account issues is not an accessible accommodation. DFC has not demonstrated any effort to provide reasonable alternatives or comply with accessibility expectations. Their policy of blocking ACH payments after repeated returnswithout addressing the causeis punitive and creates a cycle that makes it harder for customers to bring accounts current. Most concerning is the pattern : Multiple complaints filed No direct acknowledgment of the root issue No meaningful resolution offered Repeated reliance on generic policy language This reflects a failure in both customer service and complaint handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to file a formal complaint against Capital One regarding their refusal to reimburse me for a fraudulent XXXX transaction in the amount of {$600.00}. On XXXX XXXX I was the victim of a scam in which I was deceived into sending {$600.00} through XXXX. This transaction was not a legitimate payment, but rather the result of fraudulent activity. I acted in good faith and was misled by the scammer. I promptly reported the incident to Capital One and filed a claim. Despite providing all requested information and explaining that this was a scam, my claim was denied. Capital One stated that the transaction was authorized, even though it was made under false pretenses and clearly qualifies as fraud. I believe this decision is unfair and does not adequately protect consumers from scams, especially given the increasing number of XXXX fraud cases. I am requesting that Capital One : Reopen and fully review my claim Reimburse the {$600.00} lost due to this scam Provide a clear explanation of their policies regarding scam-related transactions I have attached ( or can provide ) supporting documentation, including transaction records and any communication related to the scam. I respectfully request the XXXX XXXX XXXX assistance in resolving this matter and helping me recover my funds. Thank you for your time and attention to this complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
In XXXX of last year, XXXX, I paid a balance of approximately {$300.00} to bring my XXXX secured card to a {$0.00} balance. I have transaction records confirming this payment. Despite the account having a XXXX balance, the bank continued to accrue interest and show a negative balance on my statements. I contacted the bank directly to report this error and requested that they stop the interest and correct the balance. The bank informed me they were unable to make these corrections and directed me to the credit bureaus. I subsequently filed disputes with all three credit bureaus, providing my documentation. However, the bank continued to report the inaccurate balance, which resulted in the account being 'Charged Off. ' This has caused my credit score to drop significantly ( from approximately XXXX to XXXX ) due to a billing error on the bank 's part. I am requesting that the bank investigate the interest charges applied after my XXXX payment, correct the account to reflect a 'Paid-in-Full/Closed status, and remove the 'Charge-Off ' from my credit reports.

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TN

Complaint narrative:
They asked me to make a new account and the app want allow me to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
I got approved for XXXX XXXXXXXX XXXX insurance. I have been waiting to receive the debit card for over a week now. Today, XX/XX/2026, I received a letter from XXXX XXXX saying that my account was placed on hold/closed dies to suspicious activity. The problem is that I never received the card via mail and when I called the money network, they informed me that my card was activated and most of the funds on the card were used until the notices the suspicion. They stole over {$2000.00} from me and now XXXX being told that I will get a refund in the amount of {$100.00} something dollars which was the remaining balance on the card. I had to file a dispute for the money that was stolen and may take up to XXXX days for them to decide whether the theyll refund the rest of the money back or not. I was in total need of this money and dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint Description : I am filing a formal complaint against Wells Fargo and XXXX regarding a denied refund for stolen merchandise ( Order # XXXX ). The package was confirmed delivered but stolen from my property on XX/XX/year>. On XX/XX/year>, I promptly filed an official police report with the XXXX XXXX Police Department ( Tracking Number : XXXX ). Despite providing this legal documentation to XXXX over XXXX times since XX/XX/XXXX, they have refused to process my refund. XXXX support agents have repeatedly used the bad-faith excuse that they " can not reach the police department by phone, '' which is not a consumer 's responsibility. On XXXX occasion, I was transferred between XXXX different agents before the chat was abruptly closed. Furthermore, Wells Fargo has failed to protect my funds by denying my dispute, despite the clear evidence of theft and my full cooperation with law enforcement. Both companies are systematically stalling to avoid financial responsibility. I am requesting an immediate reversal of the charge and a full refund. , XXXX..,. , Additional points, Description ( ) : ( ) : Additional points for consideration : Intentional Delay : I strongly suspect XXXX is intentionally stalling until XX/XX/XXXX, which is the deadline for my internal claim, effectively trying to 'time out " my consumer rights and avoid a refund. Violation of XXXX : XXXX policy states a police report is the requirement for stolen items. I provided a valid XXXX report ( Tracking # XXXX ), yet they are creating arbitrary hurdles not found in their Terms of Service. Unprofessional XXXX : On XX/XX/year>, I was transferred between XXXX different agents in a single support session, after which the chat was abruptly closed. This constitutes bad faith conduct and harassment. Legal Documentation : The XXXX report is a legal document. XXXX refusal to accept it based on an " inability to call the station '' is legally indefensible. Financial Impact : As a gig economy worker, this loss of funds is a significant financial burden. Wells Fargos failure to protect my account during a documented theft is a breach of fiduciary duty.

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 2026-04-13 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK

Complaint narrative:
I am trying to complete a short sale on my home at XXXX XXXX XXXX XXXX, XXXX XXXX, CA, but the process has been repeatedly delayed despite full cooperation. All requested documents have been submitted, and we have a qualified buyer ready to close. However, the lender has not provided timely updates or a decision, and the delays are now putting the sale at risk. The buyer may cancel due to these delays, which could result in foreclosure, even though a valid short sale solution is in place. This situation is causing financial harm and unnecessary stress. I am requesting immediate review, escalation, and a decision on my short sale so we can move forward and avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Repeatedly calls from a blocked number, showing up as unknown caller with no phone number or identifying information. Calls four or more times each day. Harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
I was contacted by Ability Recovery Services regarding an alleged debt of approximately {$1700.00}. On XX/XX/XXXX, I sent a formal written dispute and request for validation of this debt via international registered mail. This correspondence was delivered on XX/XX/XXXX, as confirmed by USPS tracking. In my letter, I requested full documentation supporting the claim, including the identity of the original creditor, an itemized statement of services, proof of authorization to render the services, and proof of assignment and legal authority to collect the debt. To date, Ability Recovery Services has not provided the requested documentation or sufficient validation of the debt. Despite this, the company has continued collection efforts and has reported this account as a collection/charge-off to a credit reporting agency on or about XX/XX/XXXX. I dispute this debt in its entirety and request that all collection activity cease and that any negative credit reporting be removed until proper validation is provided.

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 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management is reporting a collection account on my credit report Account XXXX alleged balance {$4700.00} original creditor XXXX XXXX. Midland Credit Management is a debt buyer. Under FDCPA 15 U.S.C. 1692g I formally demanded they produce via certified mail on XX/XX/year> : ( 1 ) original signed XXXX contract with my signature, ( 2 ) complete payment history from XXXX from account opening through charge-off, ( 3 ) documentation of how they got assigned to collect from XXXX, XXXX 4 ) complete chain of assignment from XXXX XXXX XXXX to all intermediaries to Midland Credit Management, ( 5 ) bill of sale showing what Midland paid to acquire this XXXX debt, ( 6 ) license to collect in Pennsylvania. The personal information associated with this account contains addresses that have never been mine XXXX XXXX XXXX XXXX NY and XXXX XXXX Ct XXXX NY making identity verification impossible. My correct address is XXXX XXXX XXXX XXXX PA XXXX, confirmed by U.S. Passport No. XXXX and Pennsylvania Drivers License. If XXXX can not produce all 6 required items this debt is unvalidated and must be deleted from all 3 bureaus under FDCPA 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I am filing this complaint as a victim of identity theft. Several years ago, my personal information was used without my authorization to open fraudulent credit accounts. The accounts include : Citi Card ( City Card XXXX XXXX XXXX XXXX multiple accounts with different numbers ) These accounts are appearing under variations of names such as XXXX XXXX I did not open, authorize, or use these accounts. I have never lived in XXXX XXXX, Nevada, yet these accounts are tied to a XXXX XXXX address. I reside in XXXX, California, and my correct address is the one listed on my identification. Despite the fact that this identity theft occurred years ago, I continue to experience harm : These accounts are still appearing on my credit report I am receiving collection calls and letters sent to an address that is not mine I am being harassed for debts I do not owe I am over XXXX XXXX XXXX, and this situation is causing unnecessary stress and hardship.

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 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
- Signed up for credit card to receive amazon gift card. - unknown to me, amazon makes this new card your default payment method. i did not realize this and unwittingly made charges to this account for around XXXX dollars. - apparently they send letters but i do not live at home, as i am a college student and dont have a stable home address. - i had never even set up an account for this card since i was under the impression i had never used it! - when i found out about the balance on the card. i called immediately and paid in full. i was told they could only waive one late fee, so i was effective charged a {$120.00} fee for {$190.00} in purchases, that were clearly made in an error. - i paid off the whole balance to demonstrate good faith, but this practice seems predatory, as automatically making a card a default payment method, and charging an almost 100 % penalty for a clear error seems predatory.

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 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is an urgent business complaint involving repeated failed international wire transfers affecting my company 's operations. I am the owner of XXXX XXXX XXXX XXXX a legally registered U.S. business that provides mobile recharge services to customers worldwide. I initiated multiple international wire transfers from my business account with JPMorgan Chase Bank to my legal business partner. The transactions are as follows : * XX/XX/year> : {$8500.00} Reversed with vague reason " Unable to apply funds '' * XX/XX/year> : {$9000.00} Rejected by intermediary bank ( XXXX XXXX XXXX XXXX ) due to " internal policy '' and " elevated risk profile. '' The bank explicitly confirmed the transaction was NOT reported to XXXX * XX/XX/year> : {$9000.00} Sent again using the same intermediary bank despite previous known rejections Chase Bank confirmed that if no intermediary bank is selected, their system automatically assigns one. Despite repeated failures, Chase continued using XXXX XXXX Bank without offering an alternative routing solution. I also submitted a wire amendment request to correct the routing. However, Chase failed to process or execute the amendment. I contacted Chase multiple times through secure messages and requested : * A clear explanation for the repeated rejections * Assistance in completing the transfer using a valid route Chase failed to provide a clear or actionable response and instructed me to contact the beneficiary bank, which I am not a customer of. These repeated failures have severely impacted my business operations and placed my company at risk of financial loss and potential bankruptcy. I am requesting a clear explanation, immediate assistance in completing the transfer, and accountability for failure to execute my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: IA

Complaint narrative:
Late last year I filed a complaint with Aidvantage when they reported late payments, I was never made aware that payments had restarted, nor was I ever made aware that my loan servicer had switched to Aidvantage. in XXXX i filled a compliant with XXXX Aidvantage responded with claiming they made attempts to contact, providing me my current information. But those statements were false because they did not have my current information before I had contacted them. I filed 2 more comments on the case with studentaid.gov but never heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year>, my business processed a single transaction of {$2000.00} for the final delivery of a custom-built software application. Shortly after, I received an automated email from PayPal informing me that my account had been permanently deactivated. The email explicitly stated my account was placed in the 'High Tier ' and subject to a 'High Volume Dispute fee ' due to customer dissatisfaction. However, this stated reason is mathematically impossible and factually incorrect. My account has exa ctly one transaction in its entire history, and there are absolutely zero disputes, claims, or chargebacks associated with it. I contacted PayPal customer service by phone to appeal this algorithmic error. Still, the representative informed me that the automated system had locked their interface and that they lacked authorization to request a manual review or escalate the issue. As a result, PayPal is currently holding my {$2000.00} balance for up to 120 days on the basis of a completely false premise. The system has misidentified a single, fully accepted, and undisputed XXXX software transaction as a high-volume dispute risk, and the company has completely blocked standard customer service from correcting the error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 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: PR

Complaint narrative:
I opened an account with PayPal less than a month ago so around mid XX/XX/year>. I added my bank and I added my credit and my debit card information. I didnt really use the account. I did get maybe 3 to 4 money sent by my Friends. Less than XXXX. I did not use the account to sell anything. It was not a seller account. It was not a business account. It was a personal account. I made a transaction with a friend and he sent the funds via paying for goods at that moment. The payment was stopped and held for 24 hours and my account was limited They requested for me to sign my ID and do a face recognition which I did upon completing the process, I was permanently banned due to seller activity that goes against Terms and policies. I tried to contact PayPal and explain to them that my account was not a business account that it was a personal account that this was the first time I was selling anything or that I had received payment via paying for goods. And nothing happened with that payment because I didnt even get a chance to access the payment due to the fact that PayPal has a funds frozen Held and do not let me access the money. I have tried to speak to supervisors and Ive had multiple customer service agents just terminate my calls and my chat and none of them transfer me to a supervisor. One of the agents told me that if I sent a picture of myself holding my ID, they would submit an appeal and then once I submitted the picture holding my ID they turned around and said that the decision was permanent and that there was nothing they could do not giving me an explanation as to what I did to violate any terms Because I was not even a seller. I have not even had that account for longer than a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TN

Complaint narrative:
I am filing this complaint against Netspend for a violation of Electronic Fund Transfer Act ( Regulation E ). I have disputed unauthorized transactions totaling {$800.00} three times, and they have been denied each time without a proper manual investigation. It is based on the claim that I have a 'history ' with these merchants. Having a history with a merchant does not prove authorization for future specific charges. During the time of these transactions, I was at work and did not have access to perform these transactions. I did not share my PIN with anyone, nor did I authorize anyone to use my card. Netspend has failed to provide any actual evidence that I was the person who performed these transactions. I am a healthcare professional and a working mother, and this loss of {$800.00} is causing significant financial hardship. I am requesting a full reversal of these charges and a credit of {$800.00} to my account immediately. ''

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