vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: SC

Complaint narrative:
As of the XXXX of XX/XX/year>, Gemini closed my account with my funds in it, at the time it was still in crypto ( USDT, BTC ) which as we know is very volatile and it resulted in a very big loss, but i didn't mind, then I was told to sell my cryptocurrency to XXXX and withdraw my funds effective immediately but then the bank ( XXXX XXXX ) that was linked to it was closed as well which limited my funds to be withdrawn, so I was given a secure link to upload some documents to verify that the account was truly closed so i can be permitted to link another bank account of mine, after multiple complaints to Gemini to upload some documents including the letter of closure of bank account from the bank ( XXXX XXXX ) amd my drivers license which I uploaded on the XXXX of XXXX, now until today I have no access to my funds and I haven't gotten any response from Gemini since then, which has gotten me frustrated and aggravated, so then I was doing some research and I saw a lot of people recommend your institution. The amount held is exactly {$7600.00}. I am putting my faith in you guys to please help me. As you do this XXXX bless you. Everytime I send them an email their response is always " Hi XXXX, Thank you for providing this information! I am working with my team to resolve your issue. I will be sure to follow up as soon as I have the next steps! If you have any questions in the meantime or any additional details you think would be helpful, please feel free to reply to this email! '' Since the very first day of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MA

Complaint narrative:
I saw a XXXX ad for a pc that was freethey said that their son died of XXXX i paid XXXX $ never received it i paid it on XX/XX/year> they have two contacts XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Portnoy Schneck, L.L.C.
State: PA

Complaint narrative:
I am filing a complaint regarding a private student loan currently in collections due to ongoing issues with inconsistent communication, inability to reach the company, and unclear or changing payment expectations. I originally took out this loan around XXXX. At one point, payments were being made by a family member, but when those stopped, I was not receiving statements or communication and was unaware payments were due. I was later contacted by a collections company that advised me to consolidate my loans into a single monthly payment, which I did. Shortly afterward, I began receiving additional collection calls stating I still owed on this loan, which caused confusion as I believed it had been included in the consolidation. Communication then stopped entirely for an extended period. I received no calls or statements and was unable to locate information about the loan until I was unexpectedly sued by XXXX XXXX. ( Now Portnoy, Schneck ). In court, I entered into an agreement to pay {$50.00} per month, with the understanding that the amount could be revisited. The payment amount was later increased without my agreement, and only reduced after I contacted the company to dispute it. In XXXX through XX/XX/XXXX, I experienced significant hardship, including a serious medical condition ( XXXX XXXX XXXX XXXX ), my childs hospitalization, and the death of my grandfather. I contacted the company and explained I was temporarily unable to pay and was told this was acceptable. Despite this, approximately seven months later, the Portnoy Schneck proceeded with legal action again. I provided documentation of my hardship and attempted to settle the debt, but this was refused. A temporary reduced payment plan was then agreed upon. I am currently making $ XXXX monthly payments, which exceeds prior agreements. Despite my efforts, the company repeatedly calls me but does not answer when I return calls, even when I call back within minutes. They leave only generic voicemails stating they are attempting to collect a debt and do not provide meaningful information. I have requested more detailed communication due to my work schedule, but this has not been accommodated. I have made multiple good-faith attempts to communicate and resolve this matter, including contacting the associated college , which advised they could not intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: NC

Complaint narrative:
on XX/XX/XXXX i submitted a fraud claim nothing was sent to me nothing was emailed, mailed, nothing. I called yesterday to hear my fraud claim was denied. Wells Fargo denied my fraud claim # XXXX saying chip transactions = " customer authorized. '' Their " chip = authorized '' excuse is garbage. Anyone with my physical card can use the chip reader. I DID NOT authorize. ZERO evidence provided ( no receipts, no video, no merchant verification ). " Chip was read '' proves NOTHING about who used my card. Your chip excuse violates consumer protection laws. Show evidence I did these or credit my account. Wells Fargo has a LONG HISTORY of mishandling customer accounts and fraud claims : * * THIS IS WELLS FARGO 'S FRAUD SCANDAL PATTERN REPEATED : * * - XXXX : XXXX fake accounts opened w/o consent ( $ XXXX CFPB fine ) - XXXX : $ XXXX DOJ settlement ( forged signatures, unauthorized debit cards ) - XXXX : $ XXXX CFPB penalty ( illegal fees, consumer harm ) - XXXX : Class actions for Reg E violations, debit fraud denials Wells Fargo 's " chip = you did it '' excuse continues their playbook of blaming customers while protecting their bottom line. Now you're denying MY fraud claim # XXXX using the same playbook : " chip = authorized '' w/ ZERO evidence. * * Transactions I DID NOT authorize : * * {$600.00} UNAUTHORIZED on business checking XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX 's XXXX {$9.00} XX/XX/XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1.00}

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 2026-03-24 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: AZ

Complaint narrative:
They are taking multiple overdraft charges back to back when my balance was not negative

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Today I went to see XXXX at Chase bank at we talked about looking for a home I told him I might be interested in buying XXXX my moms house at XXXX with 10 percent down. We did the mortgage calculator and at XXXX percent fixed for 30 years the payment would be XXXX $ per month thats over XXXX over 30 years, he said it didnt make sense so we tried the refinancing option with the XXXX and the interest rate was about XXXX percent, the payment would have been a little over XXXX XXXX I tasked XXXX how was that possible as the total amount at payoff would be around XXXX $ on the refi but the new loan at almost same interest rate payoff would be XXXX $ total after all payments were made? He said I cant explain it this must be wrong. I told him that was misleading and he should report this to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
The fraudulent charged were made to my checking account via my debit card, XX/XX/year>, in the amounts of {$42.00}, {$35.00}, {$140.00}, at times in which I was working @ my place of employment. XXXX has no record of the charges amd Hancock Whitney says if they find the charges were indeed fraudulent, it would take XXXX business days for the fund to be returned. I also have to wait XXXX business days for a new debit card. I have charges that will be presented against my checking account that will cause overdrafts because of insufficient funds. The bank will charge me for Overdrafts which are clearly not my fault. Hancock Whitney is not helpful in a situation which is clearly no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: OH

Complaint narrative:
Validation of Debt Request - PORTFOLIO - CAP XXXX XXXX XXXX XXXX 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC
State: TN

Complaint narrative:
I am filing this complaint on behalf of my sister ( consumer ) regarding a predatory auto loan for a XXXX XXXX XXXX XXXX. We believe the lender engaged in unfair and abusive lending practices that led to a recent repossession. Key Issues : Extreme Negative Equity : The consumer owes approximately {$22000.00} on a vehicle with a current market value of roughly $ XXXX {$13000.00}. This loan-to-value ratio is grossly disproportionate and suggests the loan was structured to be impossible to repay. Predatory Terms : The loan was originated in XXXX. Despite regular payments, the balance remains nearly {$10000.00} above the car 's value, indicating an unconscionable interest rate and likely hidden fees. Aggressive Repossession : The vehicle was repossessed after only 3 months of hardship due to job loss. The lender is now demanding {$3000.00} just to reinstate the loan, which would leave the consumer in a continued " debt trap '' for a vehicle worth half of the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CT

Complaint narrative:
Ive put a dispute for XXXX unauthorized transactions with chime and they denied XXXX disputesXX/XX/XXXX times and just opened it again this will be the XX/XX/XXXXtime now and XXXX other disputes are in progress for more then a week now XXXX company called XXXX XXXX XXXX that i contacted said that someone by the name of XXXX XXXX used my information and payed them XXXX dollars and XXXX charges are from XXXXXX/XX/XXXX all in California and the venture finance if out of XXXXXX/XX/XXXX and I live in XX/XX/XXXXnever been to none of them states in my life. And they are still trying to make purchases from the chime account till this day but not the payments are being declined and chime still have not done nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I entered into a {$55000.00} home improvement loan with GoodLeap as a new homeowner. On XX/XX/XXXX, I contacted the contractor to cancel the program before work proceeded. Despite this, the project continued. The work that was completed was limited to flooring, painting, and smoothing walls in my living room and two bedrooms. The work was incomplete and raised safety concerns, as electrical outlets were left open without proper covering or wiring. When I contacted the contractor about this, I was told it was not part of the walls, which was not clearly disclosed beforehand. The contract provided lists a total project cost of {$76000.00} and includes a mini split as part of the scope of work ; however, a mini split was never installed. Additionally, I made a {$1000.00} cash down payment that is not reflected or accounted for in any documentation. In XXXX, I contacted GoodLeap to request full validation of this account, including the signed Home Improvement Agreement, itemized breakdown of charges, and scope of work supporting the {$55000.00} loan amount. GoodLeap has not been able to provide this documentation and has only provided general loan terms and payment history. Due to the lack of itemization, inaccurate project description, incomplete work, and missing documentation regarding payments, I am unable to verify the accuracy or legitimacy of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was given a promotional financing plan through a dental office for {$3100.00} and was told to make fixed monthly payments of about {$100.00}. XXXX months later, an additional {$300.00} charge was added to my account. I was NOT informed that adding this charge would affect my promotional financing terms or require a higher payment. I continued making the same monthly payments for almost a year, believing I was following the agreed plan. However, I later discovered that interest had been accruing because my payments were considered insufficient. This critical information was never clearly disclosed to me. I was not warned that my promotional financing would be impacted or that I needed to increase my payments. I contacted CareCredit multiple times, including speaking with a supervisor, but they refused to correct the issue or offer any solution. I was told that fees are not refundable and was only advised to continue making minimum payments. I believe this is a misleading and unfair practice. I am requesting a full review of my account and removal of the interest charges.

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

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 ) XXXX, 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 XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a statement from Capital One SAVOR card with a balance of XXXX. I never opened this account. I was also informed by CapitalOne that a XX/XX/XXXX card was also opened. The cards were opened in XX/XX/XXXX and XX/XX/XXXX and subsequently closed by Capital One in early XXXX for suspected fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XXXX XXXX I had two transactions in the amount of {$180.00} and {$140.00} to a merchant XXXX on my PayPal account. On XX/XX/year> I filed a dispute with PayPal for unauthorized transactions. PayPal denied my claim citing Ive authorized transactions with this merchant previously. I called PayPal on several occasions to explain to them I do have an account with this merchant which is an online gaming platform. However, the specific transactions listed above were not recorded on my profile with them for the date listed. During one of the calls the agent recommended I appeal the claim and change the reason for the dispute as Items Never Received. I requested this be done on several occasions yet PayPal continues to avoid my request or investigate this merchant. I reached out to XXXX via chat because they do not have a phone number you can call. And the agent, by the name XXXX forwarded me a summary of my XXXX transactions. I requested an itemized statement for XXXX to include dates and exact dollar amounts but she informed me that they only have the ability to show me the complete summary. I explained my concerns with her that it was needed for verification purposes and she suggested reaching out to my financial institution for further assistance. After this interaction with XXXX from CrownCoins I reached back out to PayPal to explain this and suggested we change the reason for my dispute again to Item Never Received. In doing so, this would put the burden of proof on XXXX to provide documentation clarifying these two transactions listed above where not applied to my account. I have about 5 voice recordings with PayPal agents in which you will hear each of them proclaiming to file these appeals in which they never did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
I recently noticed that XXXX XXXX XXXX was charging me sometimes over fifty percent interest. They currently charge me, a p r of 11.4 % but the sales contract says 4.9 %. Sale rep XXXX informed me that they're allowed to front load the entire seventy two month of interest up front but minnesota law says they can't do that with loans over sixty one months. Plus my wife is a XXXX XXXX meaning they are never allowed to charge her anything over 6 %. Nor did they ever disclose that they were going to front load anything. They have broken two federal laws an one state law. Currently, we are working with military legal system to prosecute.

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 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XXXX Subject : Dispute of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) To Whom It May Concern, I am writing to dispute the following account listed on my credit report : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Number : XXXX Balance : {$440.00} I do not recognize this account and have no knowledge of any obligation related to it. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and verify the accuracy of this account with the data furnisher. If this account can not be properly verified, it must be removed from my credit report. Please provide written confirmation of the results of your investigation. Sincerely, XXXX XXXX XXXX last XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

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