vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint regarding several late payments reported by Capital One on my credit file. The late payments reported occurred in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have contacted Capital One multiple times asking for an investigation and verification of these reported delinquencies. Each time, I was given scripted responses stating that the information " can not be changed '' or that Capital One " must report accurately. '' Capital One has failed to provide any verification of : - The exact dates the account became delinquent - When I was notified - Whether proper notice was given before reporting - Whether the number of days late was accurate - Whether internal account records match what was furnished to the bureaus Without proper verification, continued reporting may be inaccurate or incomplete. 

I am requesting that the CFPB require Capital One to complete a full investigation into each of the reported late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My mortgage service was transferred from XXXX XXXX mortgage XXXX Chase XXXX Bank. I had reached out to Chase XXXX bank and inquired about refinancing when I had a loan estimate draw up the advisor and I try different types of scenarios and situations that did not make sense of the time to refinance due to the cost to close and interest rate differences. I withdraw the application. There was no appraisal ordered by deposit of {$650.00} was disputed through Chase capital bank due to it being paid with a Chase credit card. Chase mortgage company denied the refund. My current mortgage is with Chase XXXX Bank. The refinance process did not make it past the loan estimate stages. No appraisal was ordered. I was informed by my XXXX XXXX with Chase XXXX bank that a refund would be credited minus the background check fee since no appraisal was ordered Chase mortgage and Chase credit both denied the dispute and I am stuck paying {$650.00} for my appraisal fee when there was no appraisal fee due to an appraisal, not being ordered it seems very unjust that they would be able to keep my deposit when we could not come up with a loan estimate that made sense to move forward with.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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: FL

Complaint narrative:
I am disputing a {$100.00} charge from XXXX XXXX XXXX XXXX, which resulted in visible and lasting damage to my driveway after a pressure washing service. The affected areas are rough, uneven, and discolored compared to the undamaged sections, which remain smooth and intact. 

Despite providing evidence of the damage, Discover concluded that the transaction was valid and closed the investigation. I am submitting this dispute to formally request review, with all supporting documentation included.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
Last year debt collection attempts were filed on my credit report and made for EMS service dating XX/XX/year>. I am a medically retired XXXX veteran and have VA insurance. I also have a XXXX  that can cause a loss of consciousness so originally it was plausible that medical service could have happened. However, all my care including community care gets reported to the VA. I told them this via phone and was told that the date of service is outdated for my insurance company to do anything about and my ONLY option is to pay them. They even offered " deals '' as incentive as well. I refused and called my insurance company for assistance. It took a while finding the right department. Once I did, I learned that the VA community care has no record of me receiving any type of medical attention VA or otherwise in XX/XX/year>. There is no billing record of hospital or EMS service either. The VA representative called them and asked for an itemized bill, and they refused saying it violates HIPPA and then hung up on her. I confronted Credit Management Company on this matter and was told the same thing to which I argued back on how they verified this debt. They said a company bought this debt and then they bought the debt from them. All they had was my full name, my birthdate, full social security and a price for the alleged medical service. They have nothing on the EMS service company and no hospital information. I told them that was fraud and the reps responded with anger and deflection. I said they illegally bought and used my information to scam me to which they sent me this email claiming that they cancelled all collection attempts and will report to all the bureaus that this debt is disputed. I have checked to see if anything has been done and did not see anything. So, I am disputing it and, in that process, I learned that I need to report them here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I've had an account on below XXXX for the last XXXX  months because of the fact that my account was taken over back last year in XXXX by somebody in XXXX and then I finally got it back and then they said I owed over {$200.00} to a bank that had no idea about that was hooked to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I am filing a complaint regarding inaccurate payment reporting on my account. I made on-time payments from XX/XX/year> through XX/XX/year>, yet these payments continue to be reported as missed. 

I have contacted the company more than XXXX times over the past XXXX years to correct this error. Each time, I was assured the issue would be reviewed or updated, but the inaccurate information remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I was induced to send multiple payments through Chime in connection with vehicle delivery services. The vehicles were advertised on XXXX XXXX under the listing name XXXX  XXXX XXXX and XXXX  Under {$4000.00}, and delivery was to be handled by XXXX XXXX XXXX Delivery. 

The merchant instructed me to send payments to multiple recipients, including two different Chime members and two email addresses that were not associated with Chime. At the time, I was not informed that these recipients were unrelated or outside of Chime. When I asked for clarification, I was only told that the recipients would be able to receive the payments. 

After the payments were sent, no vehicles were delivered. The merchant failed to provide legitimate or verifiable tracking information, proof of service, or confirmation of delivery. Any tracking information provided was manually entered and could not be independently verified. 

I contacted the merchant multiple times requesting delivery status, valid tracking, and a refund. I was initially promised a refund to my card, but the merchant later changed the refund terms and ultimately refused to issue any refund and stopped responding. 

I then contacted Chime to dispute the transactions and reported the activity as fraud involving services not rendered and misrepresentation. Despite providing documentation and following guidance from the Federal Trade Commission, Chime refused to dispute the transactions, refused to note my account, and declined to investigate the fraud. 

I am filing this complaint because funds were taken as a result of fraudulent inducement, no services were provided, and Chime has refused to investigate or provide relief despite being notified of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: NY

Complaint narrative:
Cash App deducted {$150.00} from my paycheck to repay a prior overdraft. After repayment, my overdraft limit was refreshed to {$150.00} and showed as available. I spent {$120.00} while that limit was active. After the transaction, Cash App reduced my overdraft limit to {$100.00} without notice. This retroactively removed access to funds I relied on for basic necessities, including food. I have never missed a repayment and automatic repayment has always been enabled. Support refused to explain the ledger adjustment and closed my case without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have {$2900.00} in Amex Prepaid Gift Cards that are nearly impossible to use. Transactions are declined at most places I attempt to use the cards. 

In researching this issue, it seems to be a common problem. I've read that others were able to get their balances refunded to a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Hatfield, Inc.
State: GA

Complaint narrative:
Since XX/XX/2026, I have been trying to pay off and close my Grid account for a small remaining balance of approximately {$33.00}. My credit report currently shows a balance of {$33.00} for this account. I have repeatedly informed Grid that I want to pay this balance in full for the amount of {$33.00} and close the account. 

Grid representatives confirmed to me in writing that I could make a one-time debit card payment outside the app if I provided the last XXXX digits of the debit card. I added the debit card to my account and provided the last XXXX digits as requested, and I explicitly authorized a one-time debit card payment only. I also clearly stated that I do not authorize XXXX withdrawals or recurring payments. 

Despite this, Grid has refused or failed to process the payment. Instead, they have stated that my account is frozen for manual review with no timeline, and they have claimed that because I previously revoked ACH/debit authorization in the past, they can not process any payment at alleven though I have now provided explicit authorization for a one-time debit card payment. They are also demanding a {$5.00} reactivation fee before allowing any payment, despite previously stating that the account can not be closed until the past-due balance is paid. 

At the same time, the only in-app option they present is to take out a new loan to pay off the past-due balance, which would require ACH authorization. I believe this is unfair and predatory, as it forces a consumer to take on new debt just to pay a small existing balance, while blocking reasonable payment methods. 

I have made multiple attempts through their support system and email to resolve this. I have provided exactly what they asked for, followed their instructions, and authorized payment, yet Grid continues to delay, contradict themselves, and prevent me from paying. This ongoing refusal to accept payment is causing harm to my credit and blocking me from resolving this account. 

I am requesting that Grid be required to immediately accept my authorized one-time debit card payment for the balance owed, stop obstructing payment, close the account upon payment, and ensure accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding Cash App Borrow, operated by Square Financial Services , Inc . 
I received XXXX Cash App Borrow loans totaling {$42.00}. I made a payment believing it was for the loan that was currently due. However, Cash App applied payments in a way that resulted in the full {$42.00} being taken, including a XXXX  payment that was not due until XXXX, XX/XX/2026. 
I did not authorize an early or automatic payment for the second loan prior to its due date. Despite this, Cash App debited funds and applied them to the second loan before it was due. 
After transferring {$21.00} from Cash App into my XXXX bank account, Cash App debited the same {$21.00} back out of my XXXX account within approximately XXXX minutes and applied it to the second loan. I did not initiate or authorize this debit from my bank account. 
When I contacted Cash App support by phone, I was told that I would receive my money back due to the duplicate and premature payment. However, a subsequent email from Cash App support contradicted this and stated that the payments were valid and would not be refunded. 
I am disputing : The premature withdrawal of a payment that was not yet due The unauthorized electronic fund transfer from my bank account Cash Apps failure to honor the refund promised by their support agent The lack of clear and consistent disclosure regarding loan repayment timing I have attached screenshots and correspondence supporting this complaint. 
I am requesting CFPB assistance in reviewing Cash App Borrows payment and disclosure practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Had a alert of hard inquiries from Kohls never applied for it reported it but it never moved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
In 2024 fall our family changed phone companies. We stitched from XXXX XXXX XXXX XXXX XXXX XXXX I went on the website to make my final payment to them in XXXX & I was locked out of the account. I called XXXX & I was told by a representative that since I no longer have an account with the company ; I therefore have no longer have no access to my account. No bill was sent to my address. My monthly bill with them would usually be {$350.00} per month. I called several times and the representative would tell me I now owe {$650.00} due late fees and other fees added. I disputed this amunt and agreed on a settlement of {$350.00} on XX/XX/XXXX of this year. The representative assured me that this was an agreement and no more atttempts will be made to contact me regarding anymore payment. However XXXX XXXX XXXX XXXX and Jefferson Capital LL collection agencies have been contacting claiming I owe them {$280.00}. This claim has also showed up on my credit report which is frustrating.

Enclosed is the document showing my one time payment of {$350.00} that was paid via direct payment through my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Receivables Management Partners, LLC
State: CT

Complaint narrative:
I previously repoerted RMP LLC ( complaint number - XXXX ) for messaging us to pay bills, saying they are debt collectors. Now they are sending a physical copy of the bills but the information they have provided to pay the bill does not show any bill when logging as a guest. 
On exporing through XXXX, the balance shows as {$0.00}. 
So why is this balance showing different than what they are asking to pay and why is there payment method not working?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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

Complaint narrative:
PayPal permanently limited my account in XX/XX/XXXX and placed a hold on my account balance. PayPal stated that the funds could be held for up to 180 days and that any remaining funds would be released after that period. 

The total balance held was {$500.00}. In XX/XX/XXXX, PayPal released a partial amount of {$24.00}, leaving a remaining balance of {$480.00} still held. 

On XX/XX/XXXX, PayPals Executive Office explicitly confirmed in writing that the remaining balance would be released on XX/XX/XXXX, following completion of the 180-day hold period. 

As of XX/XX/XXXX, the 180-day holding period ended. However, the remaining {$480.00} was not released. PayPal has not identified any contractual or legal basis for continuing to withhold the balance beyond the confirmed release date. 

I contacted PayPal on XX/XX/XXXX regarding the failure to release the funds. PayPal responded the same day stating they would follow up internally and provide an update. As of XX/XX/XXXX, no update has been provided and the remaining funds are still inaccessible.

I am submitting this complaint because PayPal continues to withhold my funds after the expiration of the 180-day hold and despite providing written confirmation that the remaining balance would be released on XX/XX/XXXX. I am attaching PayPals written confirmation of the release date as supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tate and Kirlin Assoc
State: NY

Complaint narrative:
Complainant Details : Name : XXXX XXXX Phone Number : XXXX Email : XXXX Address XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX Incident Description : I am reporting XXXX unsolicited SMS messages received on my mobile phone, which appear to be a phishing scam impersonating a legitimate debt collection agency XXXX XXXX XXXX XXXX XXXX ). The messages reference alleged debts I do not recognize or owe, and include suspicious links that I have not clicked. These may be attempts to collect personal or financial information under false pretenses. 
My phone number was previously associated with my grandmother 's XXXX XXXX account, but she passed away in XX/XX/XXXX. Given this, the likelihood of any valid outstanding balance is extremely low ( effectively XXXX ), as her estate was settled without unresolved utility debts. I have no personal accounts with XXXX XXXX Texas XXXX or XXXX XXXX XXXX, and I have not received any prior written validation of these claimed debts as required by the Fair Debt Collection Practices Act ( FDCPA ). 
Message XXXX Details : Sender : Claimed " XXXX XXXX XXXX ( Debt Collector ) '' Receipt Date/Time : Wednesday, XX/XX/XXXX, at XXXX PM EST Full Message Text : " XXXX & XXXX XXXX XXXX Collector ) : options for your Just XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reply STOP to opt out '' Notes : This references an alleged Just XXXX XXXX XXXX XXXXXXXX. The link uses a suspicious subdomain ( avtal.com ), which does not match XXXX XXXX XXXX 's official payment portal ( paytka.net ). I did not reply or interact with the link. 

Message XXXX Details : Sender : Claimed " XXXX XXXX XXXX, a debt collector '' Receipt Date/Time : Saturday, XX/XX/XXXX, at XXXX PM EST Full Message Text : " XXXX & XXXX XXXX a debt collector. You have a discount offer for your XXXX XXXX XXXX account at XXXX XXXX XXXX Reply STOP to opt out '' Notes : This references an alleged XXXX XXXX XXXX account with a " discount offer. '' Again, the link uses the same suspicious subdomain. I did not reply or interact with the link. 

Additional Context : These messages arrived without any prior notice, validation, or legitimate collection activity. 
I have verified my credit reports and found no entries from XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX. 
The pattern matches known scams where fraudsters impersonate debt collectors to phishing for sensitive information via fake links. 
I have blocked the sender numbers and reported the texts to my XXXX by forwarding to XXXX ( SPAM ). 

Requested XXXX : Please investigate these messages for potential violations of the FDCPA, XXXX ( unsolicited texts ), and anti-phishing laws. I am concerned about identity theft risks and request guidance on further protecting my information. 
Thank you for your attention to this matter. 
XXXX XXXX XX/XX/XXXX ( If contacting me use codeword " XXXX '' so i know its not scammers )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
I paid this account off in full through XXXX XXXX XXXX. Was provided paid in full letter and told that they had sent the information to Mariner to bring balance to XXXX. Instead there has not been a balance increase and incorrectly reporting additional late payments. They are refusing to return my calls. I additionally have recorded conversations from XXXX XXXX XXXX stating the account is paid and full and that they contacted the legal department at Mariner to have them update the file as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/year>, I disputed multiple transactions that occurred on my debit card that I lost. All of these transactions were ones that I did not complete/authorize and are fraudulent. As soon as I recognized that I lost my debit card, I checked my Chase account and went to lock my card and I saw all of these transactions. I placed locked my card and immediately called Chase to notify them as soon as possible. Additionally, I went through the process of opening a new account given someone had access to all of my checking account information. I later found out that Chase closed my claim and did not reimburse me for the fraudulent transactions. This has been terrible customer service and it is crazy that Chase is not reimbursing customers for transactions that they did not make with a lost debit card. I should be reimbursed for these amounts as soon as possible.

Company response to consumer: Closed with explanation