vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I deposited XXXX checks into my Citibank checking account totaling {$5600.00} ( XXXX for {$1800.00} and XXXX for {$3700.00} ), but Citi refuses XXXX credit my account for these checks and refuses XXXX return them. I called multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ) and each time a different representative told me that the checks would be returned -- but they were not. On my last call, I was told I had XXXX visit the branch, so I did. On XXXX, after spending nearly an XXXX at the branch, waiting while a Citi representative looked into the matter, the representative told me that XXXX was not taking any further action. It did not return the checks or credit my account. Essentially, XXXX has committed conversioncivil theft -- withholding funds from me. I've attached a copy of my deposit slip. Please don't allow Citibank 's tactics of giving the runaround XXXX continue.

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 2026-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I paid a merchant through PayPal for longterm rental property management services. In the state of Florida you must be a licensed broker for these services. The merchant represented herself as a licensed real estate professional, but she is not licensed in Florida. I requested her Florida XXXX XXXX XXXX XXXX, and she could not provide one because she isnt licensed. The Florida Department XXXX XXXX XXXX XXXX XXXX ( XXXX ) opened Case XXXX XXXX and found the complaint Legally Sufficient for unlicensed real estate activity. The case is being forwarded to the XXXX XXXX XXXX. Once I discovered the fraud, I contacted PayPal. On XX/XX/year>, a PayPal representative ( XXXX ) helped me file a dispute for XXXX of the transactions. On XX/XX/year>, another PayPal representative XXXX XXXX ) helped me file a XXXX dispute. Both employees reviewed the situation, confirmed the disputes were eligible, and submitted them on my behalf. Despite this, PayPal later denied the dispute by claiming the transaction was not covered and outside the XXXX window, even though XXXX own staff initiated the disputes for me and assured me they were valid. PayPal did not consider the DBPR findings, the unlicensed activity, or the fact that the contract was void under Florida law ( XXXX XXXX ). I am requesting CFPB assistance because PayPal mishandled a fraud dispute involving an illegal business operation and then denied the claim after their own employees helped file it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Product : Money transfer / digital wallet Company : PayPal , Inc . Complaint Summary : I am submitting this complaint regarding PayPals handling of a fraud claim and the resulting negative account balance they are attempting to collect. On XXXX XXXX, 2026, I was the victim of an impersonation scam. An individual falsely represented himself as a fraud prevention agent from my financial institution and manipulated me, in real time, into sending funds through PayPal under the belief that I was preventing unauthorized transactions on my account. All transactions conducted through PayPal on that day were performed under these false pretenses and were part of the same scam. These were not legitimate purchases and were made solely due to deception. I promptly reported the incident to PayPal and disputed the transactions. PayPal initially issued a refund, indicating recognition of potential fraud. However, they later reversed that decision, denied my claim, and placed my account into a negative balance of {$1100.00}. PayPals stated reason for denial is that the transactions originated from a consistent IP address. This conclusion fails to account for the nature of the fraud. I was on my own device while being actively deceived by a scammer. Authorization obtained through impersonation and coercion is not valid authorization, and this distinction has not been meaningfully addressed in PayPals responses. I have responded multiple times, clearly explaining that this was a case of impersonation and fraudnot unauthorized account accessbut PayPal continues to issue template responses that do not address the facts of the case. This matter has been reported to law enforcement and is part of an active investigation ( Police Report # XXXX ). Despite this, PayPal is attempting to collect the disputed balance and has begun contacting me through automated collection calls. I am requesting that PayPal : * Reopen and conduct a proper manual review of this case as fraud involving impersonation * Remove the negative balance from my account * Cease all collection activity related to this disputed amount * Provide a substantive response that addresses the facts presented rather than relying solely on IP address data I am concerned that PayPals current process fails to adequately evaluate cases involving social engineering and impersonation fraud, and instead relies on incomplete indicators that disadvantage victims. Desired Resolution : * Removal of the {$1100.00} negative balance * Formal recognition of the transactions as fraud * Written confirmation that no collection activity or credit reporting will occur related to this matter * A proper review of the recipient account ( XXXX ) involved in this fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The collection agency has confirmed they instructed deletion of this account. It is now being reported inaccurately and must be removed immediately. I've disputed XXXX XXXX XXXX account on Experian and provided proof that not only was the account paid in full, but the collection office also provided a letter stating that it should be removed immediately. Experian placed the balance at {$0.00} but left it on my credit. It needs to be removed 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
Consumer complaint received 2026-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, my XXXX XXXX was declared a total loss following a motor vehicle accident. An investigation was completed by my insurance company, and I was determined to be not at fault. My insurance company subsequently paid Ally Financial the total loss value of the vehicle. This payment left a remaining balance of approximately {$5500.00}, which I expected to be covered under my gap coverage included with my vehicle financing agreement. After the insurance payout, Ally Financial requested supporting documentation, specifically either a police report or a total loss settlement letter. I informed Ally Financial that my insurance company should have already provided the necessary documentation and also submitted an additional copy of the total loss settlement letter myself. Despite this, Ally Financial stated that a police report was required. I do not have access to a police report for this incident, and it was not provided as part of the insurance companys investigation or total loss determination. Because of this documentation requirement, my gap claim has not been processed. As a result, the remaining balance has not been resolved and is now negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
I purchased a new build XXXX XXXXXXXX home XXXX of XXXX and in my closing disclosure the lender was XXXX XXXX, XXXX. I made my first payment and every payment since XX/XX/2024 to Planet Home Lending. I now have a massive shortage in escrow due to property tax miscalculation by Planet Home Lending or because of a clerical error by XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CO

Complaint narrative:
I have completed more than 120 qualifying payments under the Public Service Loan Forgiveness ( PSLF ) program. I submitted my PSLF forgiveness application and a buyback request in XX/XX/XXXX for months spent in involuntary administrative forbearance related to my enrollment in the SAVE plan. My loans are serviced by MOHELA. Despite meeting eligibility requirements, my application remains pending with no meaningful updates. I have only been told that processing may take 1218 months or longer, with no information about status, queue position, or timeline. During this period : -I was placed into administrative forbearance not initiated by me -Over {$5000.00} in interest has accrued -I am being required to select a new repayment plan before XX/XX/XXXX -Estimated payments ( per Federal Student Aid calculator on website ) are approximately $ XXXX, which is not affordable given my financial obligations This situation is causing financial hardship while I wait for a determination on an application for which I am already eligible.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing in response to your claim that I owe a debt allegedly associated with an account you say was opened on XX/XX/year>. This letter serves as a formal request for full validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). I am disputing this debt in its entirety and request that you provide complete documentation verifying its accuracy and legal ownership. Please provide the following : XXXX. The original signed loan agreement or application bearing my legally verified electronic or written signature XXXX. Full account history, including payment ledger and transaction records XXXX. Proof showing how the loan was funded and deposited ( bank account details used ) XXXX. Documentation of all communications allegedly confirming my identity or authorization XXXX. The name, address, and contact information of the original creditor ( XXXX XXXX XXXX ) XXXX. Any IP addresses, device logs, or electronic verification used to open the account XXXX. Proof that you have authority to collect and report this debt XXXX. Complete chain of custody if the account was sold or transferred to any XXXX XXXX ( including XXXX ) Until this debt is fully validated with documented proof, I am requesting that you : * Cease all collection activity * Suspend reporting to all credit bureaus * Mark the account as disputed immediately Please note that verification requires more than a summary of your internal records. I am requesting legally sufficient documentation showing that this debt is accurate, belongs to me, and was properly authorized. If you can not provide the requested validation, I request that this account be removed from all credit reporting agencies immediately. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding unauthorized transactions on my account and the subsequent denial of my dispute by Citibank. On XX/XX/year>, my account ending in XXXX was compromised for a total amount of {$1800.00}. I was contacted by XXXX fraud department on the same day regarding suspicious activity. I immediately confirmed that I did not authorize or make these transactions. At the time the fraudulent activity occurred, I was at work and not in possession of my phone for any such transactions. I have provided supporting documentation, including phone records and dispute information, which demonstrate that I was not responsible for these charges. Despite this, my claim was denied without a clear or satisfactory explanation. I am aware that the FDIC insures accounts up to {$250000.00}, and I am confused as to why I am being held responsible for fraudulent transactions that I neither authorized nor benefited from. I have made multiple attempts to resolve this issue directly with Citibank, spending several hours on hold and being transferred between representatives. During these calls, when I was able to speak with a representative, I was informed that the transactions in question occurred in the early morning at a XXXX location in XXXX, while I reside in XXXX, XXXX. At the time of these transactions, I was at work, making it impossible for me to have conducted them. This situation has caused significant financial stress and inconvenience. I am requesting a full investigation into this matter and reimbursement of the {$1800.00} that was fraudulently withdrawn from my account. Thank you for your attention to this matter. I look forward to your prompt response and resolution. Sincerely, 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 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding the sudden and unexplained closure of XXXX credit card accounts by Capital One. Both accounts were in good standing at the time of closure. I have never missed a payment, have consistently paid on time, and maintained responsible usage across both accounts. There were no delinquencies, no returned payments, and no activity that would reasonably justify adverse action. XXXX of the accounts was a secured card that had been open for several months and demonstrated a clear pattern of responsible use. Based on my payment history and account behavior, it should have been eligible for graduation to an unsecured product. Instead, both accounts were abruptly closed. Capital One did not provide any prior notice, warning, or opportunity to address any concerns before taking this action. This immediately reduced my available credit, negatively impacted my utilization, and has the potential to harm my credit profile and lending opportunities. To date, I have not received a clear, specific explanation for the closures. Any vague or generic reasoning ( such as account review or risk assessment ) is insufficient given my perfect payment history and responsible account management. The lack of transparency and the absence of notice have caused financial harm and uncertainty. As a consumer, I am entitled to a clear explanation when adverse action is takenespecially when I have fully met all obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Summit A*R, Inc.
State: NJ

Complaint narrative:
In XXXX, XXXX XXXX XXXX XXXX XXXX ( the original creditor ) demanded a payment of XXXX USD from me. In XX/XX/year>, I submitted a claim with my insurane company and forwarded the claim number to the original creditor. On XX/XX/year>, I received the last communication from the original creditor, with the message : " Thank you for providing your claim information. We have sent the bill to your coverage provider and will correspond with them directly regarding this matter. Should we need additional information from you, we will contact you. '' This email, along with prior email communications with the creditor, are attached. I have never received any communication from the original creditor ever since. On XX/XX/year>, I received a debt collection letter ( attached ) in my email XXXX, regarding this issue from XXXX XXXX XXXX XXXX XXXX ( the debt collector ), who later also reported this information to Credit Reporting Agencies. This violates 12 CFR 1006.6 ( d ) * Communications with third parties * of the FDCPA, because the debt collector did not satisfy 12 CFR 1006.6 ( d ) ( 4 ) * Procedures for email addresses * before using this email address to communicate with me about this debt : - I did not provide prior consent to the the debt collector to use the email address to communicate with me about the debt, so 12 CFR 1006.6 ( d ) ( 4 ) ( i ) was not satisfied. - the creditor did not send the me any written or electronic notice with the disclosures required in 12 CFR 1006.6 ( d ) ( 4 ) ( ii ). Specifically, this section requires the creditor to disclose : ( 1 ) That the debt has been or will be transferred to the debt collector ; ( 2 ) The email address and the fact that the debt collector might use the email address to communicate with the consumer about the debt ; ( 3 ) That, if others have access to the email address, then it is possible they may see the emails ; ( 4 ) Instructions for a reasonable and simple method by which the consumer could opt out of such communications ; and ( 5 ) The date by which the debt collector or the creditor must receive the consumer 's request to opt out, which must be at least 35 days after the date the notice is sent. However, I did not receive any of these disclosures from the creditor, which can be shown in the email communication history attached. Therefore, 12 CFR 1006.6 ( d ) ( 4 ) ( ii ) was not satisfied. - 12 CFR 1006.6 ( d ) ( 4 ) ( iii ) was not satisfied either, because there is no prior debt collectors involved. In conclusion, the debt collector did not satisfy 12 CFR 1006.6 ( d ) ( 4 ) before communicating with me using the email address. This violates 12 CFR 1006.6 ( d ) because this is a shared email address that can be accessed by parties other than those listed in 12 CFR 1006.6 ( d ) ( 1 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I filed a dispute with Wells Fargo for an unauthorized transaction. The dispute was processed under an incorrect claim reason that does not reflect what I originally reported. I contacted Wells Fargo and was initially told the claim would be reopened based on new information and clarification. However, a subsequent representative stated that the claim can not be reopened at all and that I must wait for a mailed letter to understand the denial. Wells Fargo has refused to correct or reinvestigate a misclassified dispute, despite being notified that the claim reason used was inaccurate and that there was potential unauthorized access to my device/account at the time of the transaction. I am requesting a proper reinvestigation of this dispute under the correct claim classification and a clear explanation of the findings.

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 2026-04-19 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: CT

Complaint narrative:
I sent a dispute to Midland Credit because they are reporting a dept they do not in fact own. This dept is owned by XXXX XXXX. The account number by their records is XXXX. The first dispute letter I sent which I will attach asked for proof that they had the legal right to collect this dept. In response they sent me two statements and nothing else. I wanted a clear chain of custody which should be easy to provide if they legally obtained the dept and they could not provide it. So I sent a second letter and never heard a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Furthermore, the entity has reported inconsistent and conflicting identifying information, including variations in the creditor name such as XXXX XXXX and XXXX XXXX. This discrepancy raises serious concerns regarding the accuracy and reliability of the reported tradeline. Such inconsistencies indicate that the information being furnished is incomplete and potentially attributable to mixed or incorrect data, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite these clear discrepancies, the account continues to be verified as accurate, demonstrating a failure to conduct a reasonable investigation and further supporting the claim that the reporting is unreliable and legally deficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I purchased a mattress from the XXXX company. When opened it was defective. Requested a return/replacement. They made me take all these very difficult steps. They never processed the return. I have been disputing this with my Golden Sachs credit card and they continue XXXX recharge me even though I have sent them everything needed XXXX see that XXXX never followed through. This has been since 2024.

Company response to consumer: Closed with explanation