vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-01 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: CA

Complaint narrative:
XX/XX/XXXX XXXX My husband paid off my Capital One Savior card {$2900.00} and my Capital One XXXX XXXX {$5000.00} which were both in MY name only, out of his bank account with HIS name only. Capital One placed a restriction on both cards so I called Capital One and the representative spoke to my husband, verified all his credentials and I gave him authorization to pay. During this same call at XXXX Capital One tried to call the bank to verify my husband 's account but the bank was closed. Capital One said I could email my husband 's bank statement to them and I could call them back in the morning and we'll try to call the bank again. I hung up and emailed the statement. Nothing happened. XX/XX/XXXX Next morning XXXX Called Capital One and the representative said she is unable to reach the bank but acknowledged receipt of the statement and we hung and drove to the bank thinking we could help but the bank teller said there are not enough people working that day to assist us in this matter, to make an appointment so we did for Tuesday XX/XX/XXXX XXXX Both cards continued to be fully restricted. I am very disturbed by how I was treated for doing the right thing. We paid off all our combined credit cards $ XXXX total and ONLY Capital One is calling it FRAUD. I have made a promise to myself to NEVER use Capital One ever again in my lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
This has bwewen going on since XX/XX/year>, where I can not add money to my PayPal account. I have tried debit cards, bank accounts and nothing works. I call them and they tel me security blocked it and they dont know why. They tell me wait XXXX hours to refresh and then it will work. I have called them over XXXX times and got the same answer every time. I ask to speak to a XXXX and they put me on a permanent hold. I have spoken to XXXX who tells me there is non restrictions on my account and I should be able to add funds no problem, yet were going on a year now and still the same issue. They actually told me just dont use PayPal . If I didn't have my reasons believe I would delete it and never go back. But some services I use require it. So I need it fixed and nobody there has any care in the world about fixing this issue. I have also spoke XXXX the bank to make sure its not the bank blocking it and no charges are even going through, multiple banks have confirmed this. So this is a PayPal issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: CT

Complaint narrative:
I was a client of the XXXX XXXX group and The XXXX XXXX XXXX in Massachusetts. They handled my debt settlement for me from XXXX. I finished the program and am now being sued for XXXX of the credit cards they supposedly settled for me. I have a copy of what the original credit card company sent me to settle while working with this agency. XXXX had a cease and desist in the state of XXXX and is no longer in business. I can not contact them to get answers since they are not in business anymore. They were working in Connecticut without a license. They did make XXXX payments to the XXXX party debt collector that has now filed a lawsuit against me for the difference of the full amount. I want to know if I have any recourse since this XXXX company had no license and did deceptive things.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: SC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: Chime Financial Inc
State: TX

Complaint narrative:
The XXXX XXXX company sent me proof that I need to send to my bank stating I dont have a XXXX XXXX account its been revoked since XXXX of last year and my bank they still denied my deputes XXXX times and there was XXXX big charges made on my account XXXX charge was {$160.00} and the second one was {$160.00} and merchant name is : XXXX XXXX the whole amount is : {$330.00} and I want my money back as soon as possible and also chime did not text or send an email or call ask if I had made those purchases or not and they are keep telling me I never provide them with any evidence or anything and I sent them everything they asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
Consumer Financial Protection Bureau Re : Complaint Against Aidvantage Failure to Issue Borrower Defense Refund To Whom It May Concern : I am filing this complaint against Aidvantage for failure to issue reimbursement following a completed Borrower Defense Loan Discharge approved by the U.S. Department of Education. On XX/XX/year>, the Department of Education confirmed that {$29000.00} in federal student loans were discharged in full under Borrower Defense. My account reflects a {$0.00} balance and discharged status. Under federal policy, borrowers granted full discharge are entitled to refunds of payments made on the discharged loans. Despite this, Aidvantage has failed to issue reimbursement and has failed to provide transparency regarding processing status. However, I continue to make my full payments on all of my loans to ensure I'm in good standing. I contacted Aidvantage on the following documented dates requesting reimbursement updates : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> In each instance, no clear explanation, written accounting, or refund timeline was provided. More than XXXX year has passed since discharge confirmation. Aidvantages failure to issue reimbursement constitutes unreasonable delay and lack of compliance with federal discharge obligations. I request that the CFPB : Investigate Aidvantages handling of Borrower Defense refund processing. Require a full accounting of payments eligible for reimbursement. Direct issuance of the full refund owed without further delay. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am submitting this complaint regarding Regions Banks handling of a disputed check matter totaling {$18000.00}. Between XX/XX/XXXX and XX/XX/year>, I issued three checks payable to XXXX XXXX XXXX Check # XXXX, # XXXX, and # XXXX ), each in the amount of {$6100.00}. After concerns arose regarding the underlying transaction, I disputed the checks with Regions Bank. Regions issued a denial letter dated XX/XX/year>. The denial letter stated that I could contact Regions for documentation related to the investigation. After receiving the letter, I telephoned the number provided and requested the name of the investigator, the date ( s ) of investigative contact, the documentation relied upon, and a case number associated with the complaint. I was informed that there was no case number associated with my complaint. No investigative documentation was provided. I also visited the Regions branch in the XXXX XXXX XXXX XXXX and met with branch manager XXXX XXXX. I requested legible front-and-back copies of the negotiated checks. I was informed that the back images in the banks internal system were not readable, and a trace request was initiated. No legible copies were subsequently provided. The only images available to me are the substitute check images available through online banking, and the back images are unreadable. To date, Regions has not provided legible front-and-back images of the negotiated checks, identification of the depositary/collecting bank ( bank of first deposit ), documentation describing endorsement verification procedures, or a written explanation of investigative steps relied upon in denying reimbursement. Because the endorsement images are unreadable, and no investigative documentation has been produced, I can not determine whether the checks were properly endorsed or properly payable under applicable UCC standards. I respectfully request supervisory review and a written response requiring Regions to provide full, legible front-and-back images of each negotiated check, identify the depositary/collecting bank associated with each item, and provide documentation describing endorsement verification and investigative procedures relied upon in denying reimbursement. If Regions is unable to substantiate that the items were properly payable and processed with ordinary care under applicable standards, I request reimbursement of {$18000.00}, which may be credited directly to my Regions checking account.

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 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: CT

Complaint narrative:
I let the company know that I am a victim of identity theft sent them the FTC report as well and other evidence that the account was opened without my permission and they still said Im at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: OH

Complaint narrative:
Closed on Va loan XX/XX/XXXX with XXXX XXXX known as Vanderbilt mortgage w first payment due XX/XX/XXXX but was notified XX/XX/XXXX by XXXX XXXX XXXX that they had bought my loan XX/XX/XXXX and are now servicing and taking payments and immediately logged into their portal @ XX/XX/XXXX and shows payment due XX/XX/XXXX. From my research apparently I need to still make a XX/XX/XXXX payment but to who and how will it be applied and both XXXX and Vanderbilt are non responsive to this matter even after notifying them of RESPA violation. Ultimately I just want to get payment made to correct place and properly applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Date XX/XX/XXXX Case Number : XXXX Merchant : XXXX XXXX XXXX XXXX XXXX Amount : {$170.00} Date : XX/XX/XXXX I made a purchase at XXXX by XXXX XXXX XXXX for {$78.00}. They charged my bill at {$78.00} then later changed the amount to {$170.00}. I disputed the charge with Capital One and they received a receipt from the merchant that did not match my order nor my credit card I used to pay for the order. The receipt the merchant provided was paid for with a XXXX ending in # XXXX, Expiration Date XX/XX/XXXX. I paid for my order Capital One Savor XXXX ending in # XXXX, expiration date XX/XX/XXXX. I am contesting the charge for {$170.00}. I only authorized {$78.00}. I am requesting a billing update to {$78.00} or refund for {$92.00}. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
As instructed by Barclays and Pursuant to 12 CFR 1002.9 ( a ) ( 2 ), I wrote to inquire about their adverse action on XX/XX/XXXX. As of XX/XX/XXXX, Barclays has failed to respond within the 30-day legal window. I am requesting that Barclays provide the specific, principal reasons for the termination of my relationship, as 'history of account usage '' is insufficient under Regulation B. The letter is quoted below. " On XX/XX/XXXX, I received identical letters for my six Barclays credit accounts. They each stated that my accounts were being closed due to Your history of account usage. This message does not convey what specific usage behavior Barclays found objectionable. Accordingly, I called customer service at XXXX ET on XX/XX/XXXX. After Account Manager XXXX worked for approximately 30 minutes to get a specific answer for me, she noted that no one with information concerning this closure was available to speak with either me or with her, and so I needed to write to this address. She assured me that doing so would generate a specific response. I value my thirteen-year relationship with Barclays bank .... I have not purchased crypto, used cash advances, or otherwise engaged in any risky usage. If there is some way in which I am using my accounts that the bank objects to, I would happily cease that activity as a condition to reinstating my accounts. " Thank you for your prompt attention to this matter.

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 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am submitting this complaint regarding ongoing issues with my Capital One credit card account, which has been restricted since XX/XX/year>. On XX/XX/year>, I received notification that my credit card had been restricted. I immediately contacted Capital Ones customer service line to address the matter. Since that date, I have made multiple calls seeking clarification and resolution. To date, my account remains restricted, and I have been unable to use the card. During my initial and subsequent calls, I was informed that additional documentation was required to verify my identity. Specifically, I was asked to provide a copy of my passport or drivers license, a mortgage statement or utility bill, and three recent full bank statements. I had already completed identity verification when opening the account less than a month prior, so I was concerned by the repeated and extensive documentation requests. I also requested that the matter be escalated to a supervisor or manager for further review. My requests for escalation were denied, and I was advised that no further review would occur until the requested documentation was submitted. Additionally, I was informed that I could not close my account while it remains in restricted status. Capital Ones customer service appears to be accessible only by telephone. In an effort to obtain assistance, I also contacted the company through its social media channels ; however, I have not received substantive support or follow-up from an escalation manager. As of today, my account has remained restricted since XX/XX/year>, without a clear explanation of the underlying issue or a defined timeline for resolution. I am seeking a prompt review of my account, clarification regarding the restriction, and either restoration of full access or the ability to close the account without further delay. I should not be incurring any interest on any outstanding balance while my account is restricted as I'm unable to make payments during this time, too.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal offered a promotion of XXXX % back when using their " Pay in XXXX '' service. I made several transactions per their terms and conditions, however, AFTER my transactions Paypal changed the terms of the promotion. This happened after my transactions posted and the rewards were pending on my account. However, more than XXXX days later, the points are still pending and Paypal will not tell me when they will be redeemable or why they are still pending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
At the conclusion of my divorce, I reached out to the mortgage company to assume the loan on my house. They requested the information required by email, then went silent. When calling the company they state that only a mortgage consultant can issue assumptions and the only way that I can speak to XXXX is by requesting them to refinance my loan, not assume it. For almost 9 months now Newrez I have received letters stating the matter is too complex for them to handle and allow 30 days, which now has been wiped from their letters and states the matter is too complex. Newrez has been avoiding responding to my requests for assumption and the only thing they will offer is refinancing of my loan. My rate is a record low, pre Covid so the mortgage company refuses to honor the legal assumption in hopes of quadrupling my rate on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I have reviewed my credit report and there is an account in question which is Uplift account. I have already disputed several times and nothing is happening. The account was opened on XX/XX/year> and the balance is showing {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — Conventional home 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
This occurred due to XXXX XXXX XX/XX/year> Since the storms I have dealt with 14 Desk Adjusters and had 3 appraisals. XXXX XXXX had to hand write a policy after the fact and told me the {$54000.00} deductible was more than the claim. The cost to repair the home was {$190000.00}. The adjusters were given a copy of each invoice that I paid in advance of any distribution of funds Each of the invoices were notarized with certificates of completion. The amount the insurance decided to pay was {$140000.00}. The insurance company 's reply was that I had been awarded all that they were willing to pay. Pursuant to 12 CFR 1024.35to dispute the mishandling of insurance proceeds from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the subsequent failure to offer loss mitigation options that account for these funds. The Errors are as follows : Failure to Reimburse for Completed Repairs : I have fully restored the property at my own expense {$48000.00} beyond the initial payout to protect the bank 's collateral. Despite submitting notarized contractor invoices and passing inspection reports to the Loss Draft Department, the bank has failed to facilitate reimbursement. Conflict of Interest & Bad Faith : The insurer, XXXX XXXX XXXX, is a known affiliate/partner of XXXX/Rocket Mortgage Companies . This insurer reached a settlement with a Public Adjuster without my written consent and intentionally excluded {$48000.00} in documented repair costs that were provided prior to the settlement. Improper Foreclosure Initiation : It is a violation of the covenant of good faith and fair dealing to initiate foreclosure while the banks own insurance arm is withholding the supplemental funds required to cure and do a modification. Failure to Acknowledge Property Restoration : The bank is treating the loan as a standard default without acknowledging that the " Security Interest '' is fully protected due to my out-of-pocket expenditures.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation