vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Deer Creek Lending
State: CA

Complaint narrative:
On or about XXXX XXXX I applied for an online installment loan with Deer Creek Lending. During the application process, the APR, total finance charges, and repayment terms were not clearly presented prior to the electronic signature step. The interface made it appear that I was continuing the application and would be shown the loan terms on the next page before any agreement was finalized. After entering my name, the loan was immediately executed and {$2400.00} was deposited into my account. I later discovered the loan carried an APR of approximately 488 %, which was not clearly disclosed to me before I was committed. I disputed the loan shortly after receiving the funds and requested documentation, including the loan agreement, Truth in Lending disclosures, and repayment options. The company did not initially provide these directly and instead directed me to log into an online portal. On or around XX/XX/year>, the company provided a payoff quote of approximately {$2900.00}, showing a rapid increase in the balance due to interest. My first scheduled payment of approximately {$490.00} was due XX/XX/year>. I revoked ACH authorization and attempted to resolve the matter in writing. The company later offered to settle the account for the principal balance of {$2400.00} if paid in full by XX/XX/year>. I responded that I was willing to repay the principal but requested a reasonable monthly payment plan ( approximately $ XXXX ). The company refused to allow any payment plan and insisted on a lump sum payment, otherwise stating the loan would continue under the original high-interest terms. Despite multiple written requests to resolve the matter, the company continued sending automated payment demands, reported missed payments, and repeatedly directed me to call instead of addressing my requests in writing. I am seeking a fair resolution that allows repayment of the principal balance under a reasonable payment plan and review of the lenders disclosure practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
On or about XX/XX/year>, I made a purchase with XXXX using my Navy Federal debit card ending in XXXX. The total amount was {$140.00}. The order was later returned/canceled, and XXXX issued a refund back to the original debit card. XXXX confirmed that the refund was successfully processed and sent to the debit card. However, Navy Federal advised that the debit card had been closed/purged and stated that the refund could not be posted to my account. I contacted Navy Federal multiple times and filed a dispute with my debit card. Instead of addressing the issue as a refund not received, Navy Federal closed the dispute by stating that the original charge was valid and advised me to continue seeking a resolution with the merchant. This response did not address the missing refund or include a refund trace or reissue of funds. The merchant has already completed their part by issuing the refund. Navy Federal, as the issuing bank, has refused to locate, post, or reissue the refunded funds because the card is closed. As of today, I have not received the {$140.00} refund, and the dispute has been closed without resolving the missing refund. I am requesting that Navy Federal properly investigate this as a refund not received, conduct a refund trace, and credit or reissue the {$140.00} that was refunded by the merchant but never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Klarna AB
State: IN

Complaint narrative:
I contacted immediately about unauthorized transactions they told me contact again in 48hrs when transactions are fully processed to file disputes after I also provided them with their own policy that stated the transactions were covered. I contacted after 48 hrs and gave all the transactions dates and amounts and was told its being handled I then asked for confirmation the disputes were filed they then told me that a specialist would connect and reach out in the chat we were having on the app I then again asked for confirmation everything was filed as rep stated and no one replied or entered chat ever since I have made contact With 4 or 5 reps now trying to get this resolved and reported the charges writhin 24 hours of them happening cut off the Klarna debit card and ordered a new one. I also contacted card the money was transferred to and reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Credit card double payment. Capital One double paid the entire balance of my credit account. This should not have happened, as I was setting up an autopayment function to pay the REMAINING balance of the account AFTER I made the manual payment, forcing me to deal with the overdraft fees from the account the payment originated ( a debit account ). I called capital one 3 times, ensuring the only solution to this problem was to have a cash check mailed. This will take 10 days, and the overdraft fees on debit account will cost roughly {$170.00} over the next 10 BUSINESS days. XX/XX/year> Manual full balance payment of {$7600.00} XX/XX/year> Auto payment of {$7500.00}. Neither XXXX XXXX ( debit card account ) nor Capital One is able to fix this problem sufficiently to avoid a {$170.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/year> happened With my credentials that haven't traveled over this is peculiar .. what debt can be considered after hitting if two financial buildings in XXXX , who were responsible for high school records and college transfers and financial records and representatives who occupied this financial space as the two tallest buildings in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Dave Operating, LLC
State: CA

Complaint narrative:
In XX/XX/year>2026, a total of {$550.00} was transferred from my Dave account to my XXXX XXXX account without my authorization. At the time of this transaction, I did not have access to my phone because it was lost or stolen. I reported this to my phone carrier and filed a police report. Once I became aware of the transaction, I immediately contacted XXXX XXXX to report fraud on my account. XXXX XXXX informed me that I needed to dispute the transaction through Dave. I then contacted Dave, and they issued a temporary credit of {$550.00} while they investigated. However, after Dave contacted XXXX XXXX, XXXX XXXX stated that the transfer was valid and authorized. Based on that response, Dave reversed the {$550.00} credit and removed the funds from my account again. I want to be clear that although the accounts involved belong to me, I did not authorize this {$550.00} transfer. My phone was not in my possession at the time, which means someone else had access and initiated the transaction without my permission. Additionally, both companies directed me back and forth between each other instead of properly resolving the issue. XXXX XXXX told me to contact Dave, and Dave relied on XX/XX/XXXXresponse without fully investigating the unauthorized access to my account. The response I received from Dave also referenced unrelated outgoing XX/XX/XXXXtransactions totaling over {$1000.00}, which is not the issue I reported. My complaint is specifically about the unauthorized {$550.00} transfer that I did not approve and never had proper access to. I am requesting that this matter be properly investigated as unauthorized activity, taking into account that my phone was lost or stolen at the time, and that I took appropriate steps to report the issue. I also request documentation showing how this transaction was determined to be authorized despite the circumstances. This issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc.
State: GA

Complaint narrative:
Today XX/XX/2026 they have called my number XXXX times. While I am at work my phone is automatically on do not disturb. They have called so XXXX times XXXX has automatically assigned it as scam. I did call back to confirm who the company was they stated First National Collection Bureau , Inc . This is just todays calls I have multiple days last week as well where they have called over 10x a day right after one another.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Travel Trip ID : XXXX I am filing a complaint regarding an unresolved refund issued by Chase Travel. Chase previously confirmed that a refund check was sent via XXXX with tracking number XXXX and marked as delivered on XX/XX/year>. However, the check was sent to the wrong address : Incorrect address used : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX As a result, I never received the check. Chase also confirmed that the check has not been cashed, which further supports that it was not delivered to me. This issue has now been ongoing for several months, and despite prior communication, it has not been properly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I am submitting this complaint regarding my federal student loans and the failure of the U.S. Department of Education to comply with a court-ordered settlement. I am a class member under the settlement in XXXX v. XXXX. Under the terms of this settlement, the Department of Education was required to issue a decision on my borrower defense application by a specified deadline. My deadline passed in XX/XX/year>. Under the settlement agreement, if no decision is issued by the deadline, the borrower is entitled to automatic discharge of all eligible federal student loans associated with the application. Despite this requirement, my loans have not been discharged, and there has been no meaningful update or action taken on my account. As of today, it has been approximately three months since the deadline passed. This constitutes a failure to comply with a legally binding federal court settlement. I am requesting the following : Immediate discharge of all eligible federal student loans covered under my borrower defense application Confirmation of discharge in writing Correction of my account status, including removal of any outstanding balance related to these loans Any applicable refunds and credit reporting corrections required under the settlement I am not requesting discretionary relief. I am requesting enforcement of a court-ordered settlement agreement. Please provide a clear timeline for resolution and confirmation that the Department of Education will comply with the terms of the XXXX v. XXXX settlement.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This is my second complaint because they are not trying to resolve the issue. To Whom It May Concern, I am submitting a follow-up complaint regarding my High Yield Savings Account with American Express National Bank , which remains restricted and inaccessible despite my prior complaint. American Express has acknowledged that my account was restricted due to an inability to verify my external XXXX account. However, the steps they are requiring to complete verification are unreasonable and have prevented resolution. XXXX has confirmed that they are willing to verify the transfer and my account ownership directly with American Express. However, American Express has refused to complete verification through this method and instead requires specific documentation that has delayed resolution. Additionally, I have made multiple attempts to resolve this issue by phone, including three calls on XX/XX/year>, each of which was disconnected after being transferred to the appropriate department. American Express has acknowledged these disconnections in writing. I also submitted documentation as requested, but was later informed that scanned copies were not acceptable and that only specific digital PDF formats obtained directly from my bank would be accepted. This requirement was not clearly communicated initially and has further delayed resolution. As a result, I continue to be denied access to more than {$80000.00} of my own funds. Given that : - The transfer originated from my verified account - XXXX has confirmed the transaction and ownership - American Express has failed to complete verification through available methods- Customer service has been ineffective due to repeated disconnections I believe American Express has failed to take reasonable steps to resolve this matter and is unreasonably restricting access to my funds. I am requesting that American Express either : 1. Complete verification with XXXX and immediately remove the restriction, or 2. Close the account and return my full balance without further delay. I respectfully request prompt resolution of this matter and regulatory review if necessary. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
XXXX XXXX sold my mortgage to Rocket Mortgage. Rocket Mortgage entered my account into an autopay option. I did not ( and have never ) authorized this option, even when my account was managed by XXXX XXXX After checking my bank account, I noticed an unauthorized mortgage payment had been deducted from my bank account. I immediately contacted Rocket Mortgage, where I remained on the phone for XXXX hours and XXXX minutes. Additionally, Rocket Mortgage put me on a 3-way conversation with XXXX XXXX ( a customer service representative stated she needed to verify and confirm the payment to then refund the amount to my bank account ), I had to verify my banking account information, which caused me a great amount of anxiety as I do not want my personal and financial information broadcast to a 3-party. The Rocket Mortgage representative stated that she would not listen to my personal information being verified, as she would place me on hold. This does not avoid disclosure of information, as the phone conversation was being recorded. I think Rocket Mortgage is being very shady by not only entering me into the autopay option without my authorization, but also by requesting personal information, knowing I wanted this money immediately returned to my account. I never had difficulty with XXXX XXXX and this has created a bad taste in my mouth.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: KS

Complaint narrative:
I am submitting this complaint regarding the handling and credit reporting of my federal student loans, which I previously paid in full in the spring of XXXX. In XXXX, during the COVID-19 payment pause, I requested and received a refund of payments made on my student loans ( approximately {$4000.00} {$5000.00} ). I was not clearly informed that this action would reinstate my loan balance and require repayment once the payment pause ended. In XX/XX/XXXX, I discoveredonly after independently checking my creditthat my loans had been reported as delinquent/derogatory and placed into collections, resulting in a significant drop in my credit score ( over XXXX points ). I have maintained excellent credit for years and have no prior history of missed payments. Critically, the only notification regarding repayment or delinquency was sent to an address I have not lived at in approximately 8 years. I did not receive communication at my current address, nor did I receive adequate electronic notification that my loans had re-entered repayment or were at risk of delinquency. Because my loans had been paid in full in XXXX, I had no reason to anticipate further activity or maintain updated contact information with my prior loan servicer. Given the following circumstances : - My loans were previously paid in full - The balance was reinstated due to a COVID-related refund program that was widely confusing- I did not receive proper or effective notice of repayment obligations- I have an otherwise excellent payment history and strong credit profile with no prior delinquencies- I acted immediately upon discovering the issue I respectfully request : XXXX. A full review of the negative credit reporting associated with these loans Consideration for removal of the derogatory/collection status due to lack of proper notification and the unique circumstances surrounding COVID-era policies Confirmation of accurate account history and current status XXXX. This situation does not reflect my true creditworthiness or payment behavior and appears to be the result of inadequate communication during a period of unprecedented policy changes. I am fully willing to resolve any outstanding balance immediately. However, I was informed that even with full repayment, the negative credit reporting would remain, leaving rehabilitation as the only path to removal despite the circumstances. I am requesting reconsideration of this outcome. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
Dear Sir or Madam, I am writing in response to your communication regarding the above-referenced account. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of this alleged debt. Please provide the following information : The amount of the debt, including a breakdown of any interest, fees, or charges The name and address of the original creditor Documentation showing that I agreed to this debt Proof that your company is authorized to collect on this debt Verification that the debt is within the statute of limitations Until you provide proper validation, I request that you cease all collection efforts and communication with me regarding this matter. Additionally, if this debt has been reported to any credit reporting agencies, please note that I dispute this debt. Reporting inaccurate or unverified information may violate the Fair Credit Reporting Act ( FCRA ). Please respond to this request within 30 days of receipt. Thank you for your cooperation. Sincerely, [ Your Full Name ]

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 2026-04-06 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: GA

Complaint narrative:
Subject : Dispute of Unauthorized Charge and PayPal Refusal to Provide Evidence Complaint : I am filing a formal complaint against PayPal regarding an unauthorized charge and their refusal to provide documentation supporting their decision. In XX/XX/year>, a charge of {$990.00} was processed through my PayPal account by a merchant, XXXX XXXX for a service, ( XXXX XXXX, I originally used approximately five years ago. I have not used, accessed, or interacted with this service in over five years and was not aware of any active subscription. I did not receive any renewal notice, billing reminder, or communication indicating that my account would be charged. This charge was unexpected and unauthorized. Upon discovering the charge, I immediately contacted my bank, and they reversed the transaction after I reported it as unauthorized. However, PayPal had already paid the merchant and is now attempting to hold me responsible for the amount, placing my PayPal account into a negative balance. I disputed the charge with PayPal, but they ruled in favor of the merchant. When I requested documentation supporting their decision, PayPal stated that they have evidence but refused to provide it to me. They also stated they would only provide this information if legal action is taken. This is unacceptable. I am being asked to pay a disputed charge without being given access to the evidence used to justify it. I believe this violates my rights as a consumer to meaningfully dispute a claim. Key concerns : No use of the service in over five years No renewal notice or billing authorization Refusal by PayPal to provide supporting documentation Attempt to collect on a disputed and unauthorized charge I am requesting that PayPal : Provide all documentation used to determine that this charge was authorized Reverse the negative balance on my account Confirm that I am not responsible for this disputed charge I appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief