vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I discovered unauthorized transactions on my checking account and reported them to Wells Fargo as soon as I became aware of them. I filed fraud claims with the bank, which were assigned Claim # XXXX and Claim # XXXX. # Claim # XXXX, # XXXX, # XXXX, # XXXX After reporting the transactions and requesting reimbursement, Wells Fargo completed an investigation and denied the claims. I did not authorize these transactions and believe the denial was incorrect. I requested additional information about how the bank determined that the transactions were authorized and asked that the claims be reinvestigated. As of now, the issue remains unresolved and the unauthorized transactions have not been reimbursed. I believe my account should be credited for these fraudulent transactions and that the bank should provide a clear explanation of the investigation and decision.

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 monetary relief
Consumer complaint received 2026-03-12 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: CITIBANK, N.A.
State: FL

Complaint narrative:
This complaint is about a {$140.00} charge on XXXX from XXXX XXXX XXXX. The airline made a Significant Schedule Change to my passenger 's itinerary. According to XXXXXXXX XXXX " If your flight is significantly changed or cancelled by the airline, you may be eligible for a refund or to rebook. '' The original itinerary was a flight from XXXX to XXXX with a stop in XXXX with an estimated arrival time of XXXX on XX/XX/year>. The airline made the scheduled change and the new arrival time was XXXX more than 8 hours after. This change was unacceptable to my passenger so the flight was changed to XX/XX/XXXX with a stop in XXXX XXXX. This change resulted in the plane ticket becoming unusable since my passenger requires a XXXX XXXX to transit through the XXXX airport. I had to pay for another flight on another airline. The airline refused to change the flight again and Citi Card 's response is that " the merchant cancellation / return policy was not followed '' even though it is the policy of the airline to refund or rebook for a significant schedule change.

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 monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I previously had a checking account with Chase. After deciding to close the account, I transferred all remaining funds out and left the balance at {$0.00}. In the Chase mobile app, I saw information indicating that accounts with a zero balance may be closed after about XXXX months. Based on this information, I believed that keeping the balance at XXXX would result in the account being automatically closed, so I did not take additional steps to close the account immediately. However, the account was not closed and continued to incur fees. In addition, a quarterly automatic charge was posted to the account, which caused the balance to become negative. As a result, additional fees were charged. After noticing these charges, I contacted Chase and was able to receive a refund for XXXX XXXX of fees. However, later additional charges occurred again due to the automatic payment and continued account fees. I eventually visited a Chase branch to close the account and had to pay the remaining balance in order to complete the account closure. I believe the wording in the Chase mobile app regarding zero-balance accounts closing after a period of time is misleading. It created the impression that maintaining a zero balance would lead to automatic account closure, but instead the account remained open and accumulated fees. I relied on the information presented in the app when deciding not to immediately close the account, and this misunderstanding led to unnecessary fees. I would like Chase to review the fees charged after the account balance was reduced to zero and consider refunding those fees. I also hope the bank can clarify the wording in its app so customers clearly understand that accounts will not automatically close simply by maintaining a zero balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
Credit Collection Services is reporting a {$120.00} collection account on my credit report that I do not recognize. The account is currently being reported as open and continues to negatively impact my credit. I have previously disputed this account, but the company continues reporting it without providing documentation identifying the true original creditor or proof that I am responsible for the alleged debt. The account also appears to list Credit Collection Services as the original creditor, even though they are a third-party collection agency. Because the information being reported appears inaccurate or incomplete, I am requesting that Credit Collection Services provide proper documentation identifying the original creditor and proof that this account belongs to me. If the company can not verify the accuracy of this account, I request that it be removed from all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
In 2022 my wife and I purchased a residential solar system installed by XXXX XXXX and financed through GoodLeap. The system was presented during the in-home sales process as producing approximately 105 % of our annual electricity usage and as qualifying for approximately 30 % federal tax incentives that would substantially reduce the effective cost of the system. During the sales presentation we were shown projections suggesting the federal tax credit would be approximately {$30000.00} and could be applied toward the loan balance. In practice, the federal tax credit depends on individual tax liability and can not necessarily be realized in the manner presented during the sales process. As a result, the credit we were able to claim was significantly lower and spread across multiple tax years rather than being available as a single lump sum. Additionally, the system has not consistently eliminated our electricity bills as suggested during the sales presentation. While the system produces energy, we still incur electricity charges during portions of the year. The system was also represented as improving the value and marketability of the home. However, we are currently preparing to sell the property and have learned that the remaining solar loan balance creates a significant obstacle to completing a sale. The current payoff balance of the solar loan is approximately {$98000.00}. Based on a preliminary seller net sheet prepared by our realtor, this payoff amount significantly reduces the proceeds from the sale of the home and materially impairs our ability to complete a reasonable real estate transaction. I contacted GoodLeap to request a negotiated settlement payoff that would allow the loan to be satisfied as part of the home sale. Despite providing documentation showing the financial impact of the loan payoff on the sale of the property, the request was denied through a collections department response that did not address the documentation or the financial circumstances presented. I am submitting this complaint because the financial structure of the loan does not align with the expectations presented during the sales process and the current payoff balance is preventing a reasonable resolution as we attempt to sell our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Coinbase XXXX won't refund my {$5000.00} From : Coinbase Client Onboarding XXXX Sent : Sunday, XX/XX/2026 XXXX XXXX To : XXXX XXXX Subject : Re : Urgent request Hi XXXX, Thank you for following up with us. We understand your concern and we want to get to the bottom of this as much as you do. Our internal team is working on it. You will get a response soon. We are eager to fix this for you, We appreciate your time and patience. Kind regards, Coinbase Support

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I contacted McCarthy, Burgess & Wolfe regarding a XXXX XXXX debt that I believe resulted from a misunderstanding during a carrier switch. I called to dispute the debt and revoke authorization for a scheduled payment. At XXXX XXXX the representative identified as XXXX disconnected the call immediately after I stated I wanted to dispute the account. I called back at XXXX XXXX through the main line ( extension 0 ) and heard the phone being physically hung up. I then dialed extension XXXX at XXXX XXXX and XXXX again disconnected the call immediately. When I called back at XXXX XXXX, the same representative sent me directly to voicemail without speaking. These repeated hangups and refusal to communicate occurred immediately after I attempted to dispute the XXXX debt and revoke payment authorization. I later reviewed public feedback about this company and noticed multiple consumer reports describing similar experiences, including abrupt disconnections, hostile or unprofessional communication, and difficulty reaching a representative. My experience appears consistent with those patterns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: WV

Complaint narrative:
This debt was originally settled with XXXX XXXX on XX/XX/year>, the attached screen shot shows that the debt was for XXXX XXXX and shows the exact amount of {$1600.00} that Waypoint Resource Group is claiming I owe. Another company ( XXXX XXXX ) tried saying I owed XXXX XXXX after I settled with XXXX XXXX but after submitting a complaint through consumer Financial Protection Bureau, they rectified their actions and removed the collection. Now waypoint resource group is trying to do the same thing and has denied XXXX disputes on XXXX that have included the receipt showing that the original debt from XXXX XXXX was paid with XXXX XXXX. I have another complaint ( XXXX ) but wanted to include more details to assist with the investigation. This debt was paid back in XXXX of XXXX and is no longer a valid debt or collection. I have included the original complaint against XXXX XXXX when they tried to collect on the XXXX XXXX debt that was already paid like Waypoint Resource group is trying to do now, the receipt of payment to XXXX XXXX for the XXXX XXXX Debt, and Waypoint Resources Groups response to my dispute on 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 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Card XX/XX/year> Re : XXXX XXXX Dear XXXX XXXX XXXX, I am writing this in response to your recent correspondence related to account number XXXX XXXX. I lost my job and was out of work for an entire year. I have just recently started back working. I accept no responsibility for ownership of this debt ; however, Im willing to compromise. I can offer a settlement amount in exchange for your written agreement to the following terms : You agree to accept this payment as satisfying the debt on time/never late ( once you receive the agreed-upon amount ). You agree to list this debt as a paid on time account. You agree to completely remove any and all negative references to this account from the credit reporting agencies ( XXXX XXXX XXXX XXXX ) that you have reported to and validated this account. I am willing to pay the <Pay {$450.00} on debt to settle this account and close> in exchange for your agreement to the above terms within fifteen calendar days of receipt of payment. Understand that this is not a promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. Should you accept, please send a signed agreement with the aforementioned terms from an authorized representative on your company letterhead. Once I receive this, I will pay via online payment, cashiers check/money order/wire transfer. If I do not receive your response to this offer within fifteen calendar days, I will rescind this offer, and it will no longer be valid. I look forward to resolving this matter quickly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I went out of work on XXXX and wasnt receiving any money at the time I called the car company which was credit acceptance and they put me on a payment plan which shop was paying {$150.00} a month and they told me none of the payments that I was paying was going towards the car so where the money was going for XXXXXXXX XXXX XXXX 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 2026-03-12 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: AR

Complaint narrative:
Validation of Debt Request - PORTFOLIO RC - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: LA

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I have been paying my loans since XXXX with on-time payments. I refinanced with XXXX XXXX XXXX and went on the autopay schedule. My last payment was in XX/XX/XXXX and the account was paid to current. The auto pay bounced from my account for the XX/XX/XXXX payment after I had some medical bills to take care of. XXXX then charged off the loan on XXXX... never even giving me a chance to pay to date. I have no access to my account and can not view any documents, balances, or tax documents. So after 9 years of paying, they charged off after one missed payment. This is predatory and irresponsible. This has destroyed my credit and eliminated years of hard work to build up my credit report. This needs to be resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC
State: ME

Complaint narrative:
I decided to have my credit card debt consolidated with Americor/ XXXX XXXX XXXX XXXX. The agreement was XXXX taken out of my checking account on the XXXX of each month for 36 months. I had XXXX credit cards which totaled a bit over XXXX dollars. They started taking the money out in XXXX of XXXX. I had XXXX accounts, they decided that it would have to be extended XXXX more months which would have brought me into XX/XX/XXXX. I am having problems with some of the creditors that have said they never paid.XXXX which was taken over by XXXX debt collectors said they only made XX/XX/XXXX payments, although Americor said they have made XX/XX/XXXX. XXXX XXXX is sending me letter from XXXX XXXX saying I still owe my XXXX XXXX account. There are XXXX XXXX XXXX credit card accounts I had XXXX XXXX XXXX credit cards that they said they paid off, but XXXX XXXX said they never received which are showing up on my credit report. There is a synchrony bank credit card, a XXXX XXXX XXXX credit card, a XXXX XXXX XXXX, all of which I am not sure was paid. I am XXXX and collect SSDI, and have paid this since XXXX, I canceled this debt consolidation company in XXXX of XXXX on XX/XX/XXXX. Over that weekend they took XXXX out of my dedicated account I had money in, I had XXXX, but by Monday I had XXXX. They won't show me proof they paid anything. I want my money back they took many many fees, held my money for days. They will not show me proof. took out a personal loan to take care of the rest of the XXXX debts and am now working with them, Can you please help me? I owed XXXX XXXX, XXXX I owed XXXX, I owed XXXX XXXX XXXX account XXXX, the other was XXXX, XXXX XXXX was XXXX, XXXX was XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and the XXXX XXXX was XXXX. Please help me!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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
State: NJ

Complaint narrative:
I am submitting this complaint regarding a refund transaction processed through my PayPal account. At the time I issued the refund, my PayPal account clearly showed {$1000.00} available in my PayPal balance, and my preferred payment method is set to PayPal balance. My account was limited, but PayPal explicitly indicated that I could still issue refunds using my PayPal account balance. When I processed the refund, the interface indicated that the refund would be funded from my PayPal balance, which contained sufficient funds to cover the transaction. However, without my knowledge, notification, or consent, PayPal instead attempted to fund the refund through a linked bank account that had previously been closed. As a result, PayPal effectively initiated an electronic debit ( similar to issuing a check ) against a closed bank account in my name. This created the equivalent of a bounced payment, despite the fact that sufficient funds were available in my PayPal balance at the time the refund was issued. My primary concern is that PayPal represented that the refund would be funded from my PayPal balance, but then unilaterally routed the transaction through a different funding source without notice or authorization. This caused a failed payment situation and created unnecessary complications with my client. Even if PayPals internal policies allow them to select alternate funding sources, consumers should be clearly notified when a transaction will be routed through a different payment method, especially when it involves a bank account that may be closed or inactive. Issuing a payment against a closed bank account without the users awareness is not an acceptable or transparent financial practice. I am requesting that PayPal explain : Why the refund was not funded from my available PayPal balance as indicated at the time of the transaction. Why PayPal attempted to debit a closed bank account without my knowledge or authorization. What safeguards exist to prevent PayPal from initiating payments against inactive bank accounts when sufficient funds are already available in a users PayPal balance. This situation caused financial disruption and unnecessary stress, and it reflects a lack of transparency in how PayPal processes refund funding sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I keep receiving calls from the debt collector everyday Im starting to feel harassed.

Company response to consumer: Closed with explanation