vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 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: IL

Complaint narrative:
XXXX never protect people 's money Someone misuse my XXXX debit card. I don't know who use my XXXX debit card. Please investigate this issue. Four transactions were made from my XXXX bank to XXXX, amount {$20.00}, $ XXXXand {$20.00} dollar .. I don't have XXXX account and also family don't have a XXXX account, so I contacted the XXXX customer service and opened a dispute when I saw the transactions. A few days after opening the dispute, the bank refused to return the dollars and they declined my complaint Now I want to request CFPB please review my case and please Please arrange for my dollars to be returned. My XXXX account details Username : XXXX Mail : XXXX XXXX Nambar:XXXX XXXX CARD : XXXX {$49.00} Transaction ID:XXXX {$20.00} Transaction ID:XXXX {$98.00} Transaction ID:XXXX {$20.00} Transaction ID:XXXX Now am request review my case Cfpb why XXXX not refund my money. I want to know that why there not credit my dollar, my XXXX card is compromised 100 %

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
The account was opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance owed on the account was {$370.00} XX/XX/XXXX XX/XX/XXXX : Payments were made towards the {$370.00} Balance owed. XXXX XXXX Fraudulent charges started increasing my balance owed. XXXX XXXX Made several attempts to contact Paypal with no resolve. The account has been open for more than XXXX months with statements sent to you. - Paypal would not let me close my account to stop the fraudulent charges from happening because there was balance due on the account due to the unauthorized charges. You authorized, participated in, or benefitted from the purchase activity. Payments have been made by you on this account. - I authorized, participated in, or benefitted in the purchase activity PRIOR to XX/XX/XXXX, and in good faith was making payments towards my original balance {$370.00} - All payments stopped in XX/XX/XXXX due to the unauthorized charges to my 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 2026-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a Capital One credit card in XXXX because of a promotion offering a {$200.00} bonus after spending {$500.00} in the first 3 months and a {$100.00} travel credit. I met the spending requirement but never received the bonus. Customer service informed me that I am not eligible, but the promotion was the reason I applied for the card. I am requesting a review of my application and the promotional terms attached to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX or XXXX I don't know which one rough hand PayPal put a limited block on my account the manager say I need to send a ID in and I did it and the computer rejected said it was a fake ID so the manager said can you send a ID besides your face and I will unblock it so I did they unblocked it they blocked it back immediately about 5 minutes later so I need to change my password I changed my password then they say oh it's because a I filed a fake person tried to take money out of my account PayPal credit through XXXX XXXX and XXXX XXXX told me I was fine they took care of it they actually gave me a new card and fix the problem they said PayPal should not block me because I have nothing else with them and they clear my name and a call back PayPal to let them know and they said the back office said the bottom line they are blocking my account for XXXX months and holding my money I have {$93.00} and some change and {$1300.00} in my savings with them all I want is my money back I am leaving PayPal I'm not coming back they can keep it blocked they can do whatever they want to do I just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
The scammers were able to mislead the bank with wrongfully misleading and not enough or proper documents and make the bank to pay them with fraudulent information under deception of loan application. I have full contact with lenders ( scammers ) but they disappear and I never received the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMORGAN Chase has reported to the credit agencies, tax agencies, and to their insurance company that they've decided to Charge-off a car loan the had claimed to have given me. After learning this, I requested a XXXX from them, since they've clearly reported this to all XXXX Major Credit bureau making changes and reports regarding credit and credit scores. Despite my requests JPMORGAN Chase have refused to provide me with this XXXX in a reasonable time frame, they're still reporting a balance, and they are still demand money from me while denying me a fair credit report and the XXXX A quick review of my credit clearly shows that JPMORGAN Chase has assigned a XXXX XXXX to my car loan ; thus they were made whole by the insurance company and should have given me a XXXX as stated by law. By defaulting they are actively participating in fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
There was an XXXX XXXX XXXX card opened in Ohio under my name, without my knowledge. I did not open a new credit card and this is not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 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: MA

Complaint narrative:
I am writing regarding a Capital One account in the approximate amount of {$4000.00} that is currently reported as a charged-off account on my credit reports. This account was the subject of a small claims lawsuit brought by Capital One in XXXX XXXX XXXX. The case was heard and dismissed by the court after trial, and the judgment specifically states that I do not owe the plaintiff any part of the claim. Because the claim was dismissed and no judgment exists, I am requesting that Capital One review this matter and remove the tradeline from my credit reports with XXXX XXXX XXXX XXXX The continued reporting of this account is negatively affecting my ability to obtain credit. I have attached the court dismissal documentation for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
I am XXXX XXXX. I was to receive a Direct Deposit from Chime as the payer for my son XXXX XXXX XXXX. It reflects that I received it but it never was deposited. I am in need of my funds and would like to have it returned. At which time it is returned, I will close the account because it's not the first time I have had theft to this account. My son and I are XXXX and rely on these funds. It is already reported to Social Security. They claim they deposited it and it was already distributed, it was not. Thank you for your timely remedies for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: PR

Complaint narrative:
On XX/XX/XXXX my purse was stolen from a gym locker in XXXX XXXX XXXX ( Police Report XXXX ). My wallet and ID were taken. A fraudulent credit account was subsequently opened with XXXX XXXX using my stolen identity. I disputed the account with XXXX XXXX and submitted a signed, notarized Affidavit of Fraud on XX/XX/XXXX along with my police report. XXXX XXXX failed to close the account and instead sold the debt to Cavalry Portfolio Services. XXXX is now reporting a {$10000.00} collection account on my credit report opened XX/XX/XXXX more than XXXX years after the theft and over a year after my fraud affidavit was submitted. I sent Cavalry a certified debt validation letter disputing this fraudulent debt and requesting removal from my credit reports. They have not responded or removed the account. I am not liable for this debt. This account is the direct result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 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: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/year>, XXXX unauthorized charges were made to my account during which time I was home sick. The charges were within XXXX minutes of each other and are as follows ; {$21.00}, {$460.00} and {$580.00}. Chime never contacted me to ask if I had made these charges which my other bank would have immediately flagged and questioned those transactions as it was clearly fraud. I immediately called Chime to report this and was told that I had to wait until they were no longer pending before I could dispute the charges. On XX/XX/year>, I disputed the charges and was denied on XX/XX/year> I was denied. On XX/XX/year> I disputed these charges again and was again denied on XX/XX/year>. At that point I was told that the money was gone and I could not do anything else about it. These charges originated in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am an account holder with my husband and each of my XXXX XXXX children. Each of us had both a checking and a savings, so a total of XXXX accounts on which I was joint. In early XXXX XXXX, my son deposited what he thought were refund checks from his XXXX The next day the sender called and asked for him to transfer the money back and he realized that this is a scam. He called the bank and explained. The next day with no notification and no warning, they closed his account AND every account which I was on. My husband was able to close and withdraw funds from a few of the accounts that he was also on. Since this despite numerous calls and visits to the local branches, there has been no access to these funds since. I have been repeatedly told that claims were active and thus the " fraud investigation '' couldn't be done. I released a claim that I had made for a refund that i never received so that the investigation and account closure could be completed. Then was told they estimated XX/XX/XXXX and at that time we send me checks. So essentially have held my funds with no recourse since the end of XXXX. Today, when I called that date is now XX/XX/XXXX. Again, no reason or explanation except that they are in the closing process and need to complete their steps and that that date may change to be earlier or later. I don't understand how they can indefinitely hold funds that are mine.

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 2026-03-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Sage LLC
State: NY

Complaint narrative:
XX/XX/XXXX I called the number on my collections portal and Credit Sage answered. I wanted to pay my gas bill but they convinced me to pay them {$970.00} to allow them to dispute all my creditors and most likely will wipe the slate clean. I signed the contract and hung up. Immediately regretting it, I called them back ( per the contract I needed to cancel within XXXX days, via email, phone or mail ) They answered with a machine saying they were closed, so I called again on Sunday, they were closed. I got them this morning Monday XX/XX/XXXX and asked them if they received my cancellation and they said yes but will not refund my money. they said in order to get my money back I should have called them same day, I told them I did but they were closed and this is the third day anyway per their contract but they said too bad. they canceled everything, so now I can not login on their website anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: AL

Complaint narrative:
Validation of Debt Request - CREDIT COLL - 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 ) 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 30 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I am filing this complaint regarding a third-party debt collector reporting an alleged debt on my credit report. The company claims to have purchased or been assigned this debt ; however, they have failed to provide sufficient documentation verifying the validity of the debt or their legal authority to collect it. Despite disputes, this account continues to be reported with XXXX, XXXX, and/or XXXX. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, a debt collector must ensure that any information reported to consumer reporting agencies is accurate and fully verifiable. To date, the company has not provided : * A signed contract or agreement between myself and the original creditor * Documentation proving the alleged debt was legally assigned or sold to the current collection agency * A complete chain of title showing each transfer of the debt * Evidence they have the legal authority to collect or report this debt * Verification of the amount being reported Because no contract or lawful assignment has been provided, the collection agency lacks legal standing to collect from me or report this account. Additionally, reporting an unverified debt to credit reporting agencies may constitute inaccurate or misleading reporting under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 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: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I am filing this complaint regarding the mortgage servicing practices of Rocket Mortgage, which recently acquired my loan from XXXX XXXXr. Since the transfer of my mortgage servicing to Rocket Mortgage, I have experienced the following issues : XXXX. Excessive hold times : Phone calls consistently result in wait times exceeding XXXX minutes, with no status updates or estimated wait time provided. XXXX. Obstructive phone system : Rocket Mortgage 's automated phone menu is designed in a way that appears to deliberately redirect customers away from speaking with a live representative, making it extremely difficult to reach a person for assistance. XXXX. Lack of communication regarding payment changes : My monthly mortgage payment has increased on what I was told is a fixed-rate loan. I have received no written explanation, notice, or breakdown of why this increase occurred. I have not been able to confirm whether this is related to an escrow adjustment or other factor, as Rocket Mortgage has failed to provide any communication on the matter. These issues represent a failure to provide adequate customer service and, more critically, a failure to communicate material changes to my mortgage payment which may be a violation of federal mortgage servicing requirements. I am requesting that Rocket Mortgage provide a written explanation of my payment change, along with a full escrow account disclosure if applicable. I am also requesting that they address the systemic barriers preventing customers from accessing timely service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX- {$2000.00} payment by me to Sofi student loan account ( merchant marked as " SoFi ACH PAyment '' ). Loan amount decreased by {$2000.00} as expected. XX/XX/XXXX - {$2000.00} payment to " SoFi ACH payment '' not authorized by me. This payment never posted to my XXXX student loan account. XX/XX/XXXX - XXXX had a {$2000.00} payment credited to my account by Sofi after filing dispute to rectify the XX/XX/XXXX unauthorized transaction. XX/XX/XXXX - The prior {$2000.00} payment recorded to my Student Loan Account on XX/XX/year> was reversed and my student loan balance increased by {$2000.00}. In summary I've had net {$2000.00} deducted from my savings account ( the original {$4000.00} minus the {$2000.00} credited back ) and {$0.00} applied to my student loan account where the money has seemingly vanished by Sofi.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
The agency reported this to credit bureaus in XX/XX/XXXX and I immediately disputed it because I hadn't received any information about this debt prior. I sent a certified debt validation request regarding a medical collection account. The letter was delivered via certified mail on XX/XX/XXXX to National Recovery Agency at XXXX XXXX XXXX, XXXX, PA XXXX. The company has not provided validation but continues to report to credit bureaus and verified it during a dispute. Please require them to provide validation or delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
XXXX tried to email and call them about setting up a payment arrangement to pay off the debt or to settle the debt and they will not email me or give me a call back to set up an arrangement and now they are taking me to court for more than what the original amount was due to court cost and legal fees

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 2026-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding escrow mismanagement by Newrez LLC. In XX/XX/XXXX my mortgage servicer performed an escrow analysis that resulted in a shortage of {$13000.00} and caused my monthly mortgage payment to increase dramatically. After further investigation it was discovered that my escrow account had been incorrectly charged for property taxes not associated with my property. My mortgage company later confirmed that a refund had to be requested from the taxing authority because the taxes had already been paid. Despite this servicing error and the refund process, my most recent escrow analysis dated XX/XX/XXXX still shows an escrow shortage of {$4300.00} and requires me to make additional payments to correct the deficit. This shortage was created by servicing errors and tax misapplication by the mortgage servicer, not by any failure on my part. I have already been forced to pay significantly increased mortgage payments due to this mistake. I am requesting that Newrez perform a full escrow audit and remove any escrow shortage that was caused by servicing errors or incorrect tax payments. I am also requesting a complete escrow transaction history and documentation of all tax payments made from my escrow account. This situation has caused significant financial hardship and I believe the mortgage servicer has failed to properly manage my escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation