vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Since XX/XX/year>, I have accumulated approximately {$990.00} in overdraft and NSF fees on my account. Approximately {$420.00} of these fees were incurred during XX/XX/year> alone, and I have already incurred an additional {$300.00} in fees in XX/XX/year> before my monthly statement has even closed. The repeated and compounding nature of these fees has created a continuous negative balance cycle that I have been unable to recover from despite ongoing efforts to manage my finances responsibly and keep up with essential bills. The overdraft and NSF fees themselves have become a major contributor to the hardship and are preventing me from bringing the account back to a stable positive balance. The ongoing accumulation of these fees has now created severe financial hardship, to XXXX XXXX where I currently do not have enough funds for basic necessities such as food and transportation over the next XXXX weeks. I am also facing the likelihood of additional overdraft fees only days after being paid, making it increasingly difficult to recover financially. I am submitting this complaint to request a one-time hardship review and reimbursement of overdraft and NSF fees XXXX in XXXX. I am also requesting consideration for any available hardship assistance, courtesy accommodations, or fee relief programs that may help stabilize the account moving forward. My goal is to restore the account to good standing, regain financial stability, and prevent continued hardship caused by the repeated accumulation of fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: MA

Complaint narrative:
I financed a XXXX purchase through Zip for collectible XXXX products advertised as sealed. After opening part of the order, I found evidence that remaining packs may have been resealed/tampered with. I promptly reported this to XXXX with photos, but XXXX denied the claim because the transaction had already been rated/finalized, not because the evidence was disproven. I then contacted Zip and requested review of the dispute and clarification of Zips process for materially misrepresented or potentially fraudulent goods financed through Zip. Zip repeatedly stated it only mirrors the merchants decision and would not independently review the issue. I have already paid about {$240.00} toward this transaction and still owe $ 80+ more. I am requesting CFPB help getting Zip to review its dispute handling and provide relief or written explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
Student loan forgiveness forced me into forbearance than took my monthly payment from {$50.00} a month to {$350.00} a month. My loans are more now than I started with XXXX years ago, I am at my year XXXX and I would like my loans to be forgiven as agreed upon. I have taught in public schools for XXXX XXXX and now paid my student loan payments on time.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-24 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: CA

Complaint narrative:
I am writing because my complaint has not been resolved with Venmo ; My mother, XXXX XXXX, submitted a complaint, number XXXX, on XX/XX/year>, regarding basically the theft of funds from my account by Venmo. I was XXXX at the time this happened which is why she filed the complaint not me. Venmo responded that it would not provide any information to my mom for privacy reasons. My mother also sent a certified letter to Venmo and did not receive any response to that. I opened a Venmo account without parental consent and age verification completed by Venmo. I was able to use the account no problem at all. My Venmo account, @ XXXX XXXX On or about XX/XX/year>, I sold a used item via XXXX marketplace for {$450.00}. The buyer said he was going to pay cash but then at the last minute said he ( his mom ) didn't have the cash. The buyer paid me through Venmo. Some time after he bought the item, the buyer claimed the item was defective but refused to return it. Then on XX/XX/year>, Venmo took {$450.00} from my account. I did not get anything telling me this was going to happen.The money was just taken from account. I was not given any chance to tell anything to Venmo. It was just taken. And what is weird is that the theft of the {$450.00} by Venmo did not show on my monthly statement I got from Venmo. My mother told me to take a screenshot of the transaction showing the money was taken out. I called Venmo to see what happened and they told me I had to send my ID which I did. Then they froze my account. My mother called Venmo telephonically and then via emailed Venmo support to find out how the money could just be taken and to get my account unfrozen so I could get the money I had in there out. Venmo never gave a reason as to why the {$450.00} was basically stolen from me. The only thing one of the people said that Venmo is to be used between people that you know. There was a User Agreement embedded in one of the emails but the date on that was after the transaction. My mother asked for the User Agreement that was in effect at the time of the transaction but never got it or a reply. I simply want the {$450.00} that was wrongfully taken from me returned to me. I was not given any chance to respond to anything. Shouldn't this be something that happens? How can Venmo just take money from my account I should not have been able to use Venmo without my age and parental consent being verified. I know now that my mother would have told me not to accept that much money through Venmo from someone I did not know. I did not know this could happen. I have learned that people do this as a scam. I can provide the emails my mother sent and the messages between me and the buyer. I waive any confidentiality Venmo thinks that I have now that I am 18 even though this all happened when I was a minor. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Ive been a card holder with Capital One since XXXX, however the statements only go back to XXXX to present. Capital One has been reporting inaccurate and unlawful credit reporting practices. Specifically, the deceptive disclosures, hiding or lying about the APR fees and loan terms. Not providing me with required written disclosures before signing. Also the Universal Default Act, I did not receive the 45 days advance notice required by the CARD Act 15 USC 1637 ( i ), And lastly, the Unfair billing or contract terms. My APR jumped high because of one late payment many years ago back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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: MD

Complaint narrative:
I have a GoodLeap LLC XXXX loan ( Proposal ID : XXXX ) for {$18000.00} with monthly payments of {$120.00} over 30 years totaling {$45000.00}. The loan was arranged by XXXX XXXX XXXX XXXX ( MD License No. XXXX ) to finance a XXXX kW solar panel system at my home at XXXX XXXX XXXX, XXXX XXXX, MD XXXX. XXXX claimed my annual electricity usage was XXXX kWh and used that figure to design and size my solar system. My official XXXX interval meter data downloaded directly from XXXX XXXX XXXX XXXX for account number XXXX shows my actual annual usage is XXXX kWh in XXXX and XXXX kWh in XXXX. XXXX understated my usage by 236 % to 516 %. My home has electric heating the single largest driver of electricity consumption which XXXX completely ignored when designing the system. The XXXX kW system installed can produce a maximum of XXXX kWh per year covering only 25.5 % of my actual annual usage. Even at perfect performance, the maximum monthly savings would be {$70.00}. My monthly loan payment is {$120.00} meaning I was guaranteed a net monthly loss of {$55.00} from the day I signed. Over 30 years this represents a guaranteed loss of {$19000.00} at minimum, and {$45000.00} if the system produces XXXX net savings which is what has happened. After 24 months with solar installed, my XXXX bills have shown no meaningful reduction. I have paid $ XXXX to GoodLeap while my electricity bills have remained {$400.00} {$1100.00} per month. In XX/XX/XXXX alone when solar should be producing maximum output my XXXX bill was {$1100.00}. That single month exceeded XXXXXXXX XXXX entire claimed annual usage figure. Under the FTC Holder Rule ( XXXX CFR XXXX ), GoodLeap LLC is legally responsible for XXXXXXXX XXXX misrepresentations because GoodLeap financed the sale as an affiliated business partner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
Affirm is reporting and collecting a charged-off BNPL loan for services that were not rendered. I disputed the transaction and credit reporting, but Affirm only updated the credit-report comment instead of investigating whether the merchant actually provided the financed services. I am disputing this Affirm loan because the financed services were not rendered. This is not a refusal to pay a valid debt. I am requesting a purchase/service dispute investigation, cancellation or refund of the loan balance, removal of charge-off reporting, and deletion or suppression of the negative tradeline from XXXX XXXX, and XXXX XXXX I dispute the validity and reporting of this Affirm account because the financed services were not rendered. Affirm is reporting this as a valid charged-off debt, but the underlying transaction is disputed because I did not receive the services financed through this loan. There are hundreds of the exact same type of complaints from XXXX XXXX on the Better Business Bureau website. I request someone to conduct a reasonable investigation of the merchant transaction, service-delivery records, refund/cancellation records, loan origination file, payment history, charge-off basis, and credit reporting furnished to XXXX XXXX, and XXXX XXXX If Affirm can not verify that the contracted services were fully rendered and that the balance is legally owed, please cancel or adjust the loan, remove the charge-off status, and delete or suppress the tradeline from all consumer reporting agencies. I also requested them to please also provide the method of verification and the documents relied upon to verify that the services were actually rendered. I received no response from a from affirm directly, only communication from the credit bureaus stating the account was updated and no changes were made. Still no validation that services were rendered because they were never rendered. They are treating this dispute as a credit-reporting dispute, not a true purchase/service dispute. I am requesting this to be investigated, the merchant dispute and can not fairly report the account as a valid charge-off without verifying the underlying service delivery. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
What happened ( paste this into the narrative field ) : I am filing this complaint regarding the debt collection practices of Halsted Financial Services, XXXX XXXX XXXX, and XXXX XXXX XXXX concerning an account ending in XXXX, originally with XXXX I have identified several serious issues that I believe constitute violations of the FDCPA, FCRA, and Regulation E. Issue 1 Unauthorized recurring debit card charges. Halsted Financial Services has been charging my debit card {$17.00} twice per month for an extended period. I do not recall ever authorizing a recurring payment arrangement, and I have not received any written confirmation of such authorization. I have identified at least 19 separate charges, totaling approximately {$330.00}. I have today disputed these charges with my bank, XXXX, and have requested a new card. Issue 2 Contradictory account records. On XX/XX/XXXX, Halsted Financial Services emailed me a settlement offer stating : " Your last payment of {$210.00} on XX/XX/XXXX shows you had good intentions. '' However, my bank records show Halsted has been pulling {$17.00} from my debit card on a recurring basis well after XX/XX/XXXX, with the most recent charge on XX/XX/XXXX. This contradiction indicates that either ( a ) my payments are not being properly applied to the account, ( b ) the {$17.00} charges are unauthorized, or ( c ) Halsted 's records are materially inaccurate. Issue 3 Inaccurate credit reporting. The account is being reported on my Experian credit report by XXXX XXXX XXXX with a balance of {$2600.00} as of XX/XX/XXXX. If the {$17.00} payments are legitimate payments on this account, the reported balance is inaccurate and XXXX is violating the FCRA by reporting an incorrect balance. If the payments are NOT being applied to this account, then Halsted is collecting funds under false pretenses. Issue 4 Multiple collectors on the same account. Both Halsted Financial Services ( per their XX/XX/XXXX email ) and XXXX XXXX XXXX ( per their XX/XX/XXXX email referencing account XXXX ) appear to be actively collecting on the same debt simultaneously, which has caused confusion about who is owed what.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: VA

Complaint narrative:
I am formally disputing the reporting of the above referenced secured credit card account under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This account was a secured credit card funded by my own deposited funds. The creditor held a security deposit which secured the balance and reduced the overall financial risk associated with the account. Despite this, the account has been reported with derogatory information that I believe is inaccurate, unfair, misleading, and/or incomplete under federal consumer reporting laws. I respectfully request a full investigation into : * The accuracy of the balance reported * The application of my secured deposit funds * The payment history being reported * The legal basis for continued derogatory reporting after collateral/security funds were provided * Whether the account reporting complies with FCRA accuracy requirements Under the Fair Credit Reporting Act : * 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. * 15 U.S.C. 1681s-2 ( a ) requires furnishers of information to provide accurate and complete information. * 15 U.S.C. 1681i provides my right to dispute inaccurate or unverifiable information and request reinvestigation. Because this was a secured account backed by my own funds, I request verification of : 1. How the secured deposit was applied 2. The remaining balance calculations 3. The dates and accuracy of any late payments or charge-off reporting 4. All documents bearing my signature and complete payment/accounting history If this information can not be fully verified and documented, I request that the derogatory reporting be removed or corrected immediately. Please complete your investigation within the timeframe required by the Fair Credit Reporting Act and provide me with written results.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NC

Complaint narrative:
I was told that my account had been closed and funds were unavalible because I violated there terms.but how can I do so when I was incarcerated and unable to access my account I was then told I wouldn't be able to get any of the funds I had on the account because I violated there terms I proceded to tell them I was unable to access the account because my credentials had been changed and was told basically I was S.O.L

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Deinde Online Services, LLC
State: AZ

Complaint narrative:
I have no idea how this happened and consequences. I have significant medical problems, hospitalized 5 times past 3 months. Just told I have XXXX. This loan apparently has a 400 % interest rate. How does this happen? {$2000.00} to help with my medical bills turns into a $ 400 monthly payment. Add this to XXXX XXXX suing me for {$10000.00} and I have thought about ending my life often, am now getting help for that. I cant afford to live on fixed income, high rent, now this. They took advantage of my significant health issues at a time of despair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
CFPB Complaint Regions Bank / XXXX Credit Card Submitted to : Consumer Financial Protection Bureau Date : XX/XX/year> Product : Credit Card Company : Regions Bank Complaint I am filing this complaint against Regions Bank regarding an ongoing and unresolved issue with my XXXX credit card that has left me repeatedly unable to access my funds while living and working partially abroad. The Problem : When I attempt to make online purchases in a foreign currency, XXXX 's fraud verification system blocks the transaction and requires me to confirm the charge amount in U.S. dollars to the exact cent before the block will be lifted. The charge is presented to me in the local currency. I have no access to XXXX 's internal exchange rate used at the moment of the transaction. Public conversion tools such as XXXX give a different rate. Because the system requires a penny-perfect USD figure that no publicly available tool can provide, it is effectively impossible for me to comply with the verification requirement. As a result, my card remains blocked with no actionable path to unblock it. This is not a one-time technical glitch. This is a recurring, structural barrier to card use that has left me without access to my credit card while abroad a situation that is not merely inconvenient but financially dangerous. What I Have Done to Resolve This : I have contacted Regions Bank multiple times. Regions has acknowledged, on multiple occasions, that this issue originates with XXXX not with my account. I have also contacted XXXX directly. XXXX has directed me back to Regions Bank. I have been passed between the two institutions repeatedly with no resolution and no workaround provided. Why This Is Unacceptable : The verification step in question requires information XXXX 's proprietary real-time exchange rate, to the XXXX that is not disclosed to cardholders at any point in the process. There is no published rate I can reference. There is no customer-facing tool to look it up. I am being asked to guess a number I have no means of knowing, and my card access is withheld until I guess correctly. This is not a reasonable or good-faith security measure. It is an impossible standard that functions as a de facto block on foreign card use. Furthermore, I have been told repeatedly by my bank to contact XXXX, and by XXXX to contact my bank. Neither party has taken ownership of this issue or provided a resolution. As the card issuer, Regions Bank is responsible for ensuring I have access to a functional, usable credit card product. That responsibility can not be indefinitely deflected to a third-party network.

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 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
So I filed a dispute with BMO because of someone stealing my phone and transferring money out so they can use it through my XXXX XXXX. ( I am now aware of who took the phone and it was handled through police ) this caused my account to go into a negative and also losing my money. So the did give me the credit back and took me out of a negative, but the account was frozen. I was told the only way I can get my account unfrozen was if I did a phone sweep. At the time I did not have the funds so I told them that and I was then switched over to the fraud department and was told " You can go withdraw it when the money isn't pending no more so you can go pay for your sweep but you must go to the branch that you're near '' I go to the branch I'm told " Well I can not help you here you will have to call back '' ( very rude and no help. Laughed at me. ) So I call back and then I was told I should be able to withdrawal the next day. So basically back and forth to the point I just had to get one of my old phones ( secure phone that was never compromised ) and had to get it turned on, I did this just so they wouldn't give me any more run around. I notify them I have a new phone even went to the branch and then I hear something different, I then hear " You need a new email '' I make a brand new email now its " You need to open a new account '' But I was told in the beginning " If your phone gets sweep you can access you account '' I got a whole new phone and a brand new email and yet they wont allow me to do anything!

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