vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against MoneyLion for severe violations of the Electronic Fund Transfer Act ( Regulation E ), specifically regarding a failure to conduct a reasonable investigation, withholding required evidentiary documents, and falsifying investigation records in bad faith. 

Timeline & Facts : XX/XX/year> : My debit card was lost at a XXXX in La XXXX XXXX CA. 

XX/XX/year> : Unauthorized transactions totaling {$470.00} occurred in XXXX, CA. I reported the card lost and disputed the pending charges immediately, but was told once my pending charges went through it would be disputed. 

XX/XX/year> : MoneyLion did not disputed my pending transactions, I reported them myself to MoneyLion. 

XX/XX/year> : MoneyLion denied my dispute in under 36 hours. I immediately requested the documents used to make this determination, as is my right under Reg E. MoneyLion failed to provide them. ( I never received a response ) XXXX XX/XX/year> : I filed a formal Police Report regarding the theft at MoneyLion 's request. 

XX/XX/year> : After multi calls thru XXXX, and the impression my denied dispute was being re-opened, MoneyLion finally re-opened my case XX/XX/year> : MoneyLion denied my appeal again, ignoring the Police Report. 

XX/XX/year> : After demanding the documents again, MoneyLion sent an email stating : 'All documents used in the investigation are included as attachments. ' There were XXXX attachments included. 

The Bad Faith Violation : In that same XX/XX/XXXX email, MoneyLion provided a summary of their 'investigation. ' It falsely lists my answer to the intake question 'Where does the customer store their PIN? ' as 'purse '. I am male, I do not carry a purse, and I never stated this. MoneyLion fabricated this answer to artificially claim 'customer negligence ' to deny my claim. Furthermore, under Reg E ( 12 CFR 1005.6 ), consumer negligence can not legally be used as a basis to deny a fraud claim. MoneyLion still has not provided proof of authorization ( PIN vs. Signature ).

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 2026-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I tried to send money back to my XXXXXXXX XXXX account I couldnt because the account is under review. I then called and reached an off shore Robinhood customer service. They told me it under review and the funds will be sent XXXX to my bank when they are done with the review. I ask How long will the take, they said usually within 3-9 days. I have {$18000.00} in there that needs to be sent back to my XXXX account. I reached out to them yesterday and they did not call me back. I have no idea why they closed my account nobody could tell me. I bought some Crypto and sent it and they said that why, but didnt explain why they suspected it was fraud. I just want my money back, it originally came from an inherited IRA from my now deceased father. XXXXXXXX XXXX and XXXX can confirm that. I have never had any bank or brokerage hold my funds like this before ever. I have been with XXXXXXXX XXXX for 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
1. I had made a booking for XXXX XXXX XXXX in XXXX ( Booking # XXXX ) for XXXX XXXX ( Exhibit B1 ). 
1.1. I arrived at the Hotel location given on the XXXX booking ( Exhibit B2 ). The location is again very rural in a hilly area and has nothing resembling a hotel within miles of it. 
1.2. We called the Phone Number listed on the Listing, using my drivers phone ( since I didnt have an XXXX XXXX ). The gentleman who answered the phone said he used to be in the area as a worker, and someone has listed his phone number, and he regularly gets calls like this. If XXXX calls, he tells them to refund the money see attached call log screen capture ( Exhibit B3 ). 
1.3. I contacted XXXX customer service via their chat, but XXXX answered it and went unanswered for over 12 hours. Then the normal platitudes started off helping me ( like locking the stable after the horse had run away ). 
1.4. At a certain point, someone called XXXX jumped in ( I suspect a trained XXXX  robot ), who, under the guise of helping me, kept delaying the matter and then, after delaying the matter sufficiently, denied everything. XXXX XXXX, consumer XXXX. 
1.5. XXXX, according to their investigation, has verified that this hotel exists physically and legally. It has XXXX reviews, and XXXX hasnt answered how many total bookings they have received over the last 5 years. 
1.6. I have left a review for this hotel ( Exhibit B4 ). This review isnt published. 
1.7. In the meantime, XXXX has already charged me the money ( {$61.00} ) for a non-stay at a non-existent hotel ( Exhibit B5 ). 
1.8. I had to search for an alternate hotel about XXXX away in XXXX XXXX ( XXXX XXXX # XXXX ) for which XXXX has also charged me. ( Exhibit B6 ). 
1.9. XXXX listing of this Fake hotel has interrupted my pilgrimage and caused me emotional, mental, and physical distress. 
1.10. I had to spend over 10 hours over next day going back to continue the partial pilgrimage , drive over extra XXXX km, and pay twice for the hotel.

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 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
Dear Customer Service Team, I am writing to formally lodge a complaint regarding the {$600.00} promotional bonus associated with my XXXX XXXX Checking account. 

Account Information : Bank : Huntington Bank ( Account Holder Name : XXXX XXXX, with Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Type : XXXX XXXX  Checking Account Opening Date : XX/XX/year> I opened this account under the advertised {$600.00} bonus promotion and carefully followed all stated requirements : Opened a new XXXX XXXX  Checking account using the promotion code. 

Deposited more than {$25000.00} in qualifying new money within 90 days of account opening. 

Maintained the account in open status for at least 90 days. 

The public promotion clearly stated that once requirements are met, the {$600.00} bonus would be deposited within 14 days. 

As of today, more than 140 days have passed, and I have not received the bonus. 

When I contacted customer service, I was informed that the {$25000.00} needed to be received via direct deposit. However, this requirement was not disclosed in the promotion terms or advertisement. The only stated requirement was depositing {$25000.00} in new money, which I satisfied. 

This is concerning and appears inconsistent with the published promotional terms. 

Requested Resolution : I respectfully request that Huntington Bank : Review my account against the published promotion terms Honor the {$600.00} bonus as advertised Provide written confirmation of the resolution If this matter is not resolved promptly, I will consider escalating the complaint to the appropriate regulatory authorities. 

I look forward to your timely response. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AR

Complaint narrative:
I received a collection letter dated XX/XX/year> from Jefferson Capital Systems , LLC regarding an alleged XXXX account in the amount of {$530.00}. 

I dispute this alleged debt. I have requested full validation, including documentation showing legal ownership of the account, complete payment history, charge-off accounting, and the date of first delinquency. I have also requested proof of assignment demonstrating that Jefferson Capital has lawful authority to collect. 

At this time, Jefferson Capital has not provided documentation substantiating the debt. I am concerned about potential inaccurate credit reporting and improper furnishing if the account is reported without proper validation. 

If Jefferson Capital intends to furnish this account to any consumer reporting agency, it must comply with the Fair Credit Reporting Act and ensure that all information is accurate, consistent, and not re-aged. Reporting unverified or inaccurate information would cause harm to my credit profile. 

I am requesting that the company provide full documentation validating the debt and refrain from furnishing any information to credit bureaus unless and until the account can be properly substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
Complaint Against Loan Servicer Loss of Earned PSLF Eligibility XXXX XXXX US Dept of Education ) I am filing this complaint regarding the improper reduction of my PSLF qualifying payment count following consolidation. 

Before consolidating in XX/XX/2024, I had already completed more than 120 qualifying PSLF payments and was in forgiveness processing as of XX/XX/2024. 

My loans remained pending discharge for over six months. During that period, I consolidated other federal loans. I was not clearly warned that consolidating would eliminate previously earned PSLF eligibility for loans that had already met the 120-payment requirement. 

After consolidation, my qualifying payment count was reduced to approximately 66 payments. 

I believe this constitutes : Failure to adequately disclose material consequences of consolidation Harm resulting from administrative delay Improper removal of earned PSLF eligibility. 

I am requesting correction of my payment count and discharge of loans that met PSLF eligibility prior to consolidation. 

XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am completely financially insolvent. I spent 3 of the last 5 years unemployed, not for lack of trying. I now have a job, but I make less than {$1000.00} per month. My credit card has been maxed out for at least two years and it is my only one - I literally do not use it and only use debit. I have no savings account because the bank keeps closing it because I keep having to take out all the money. I can barely afford to feed myself. 
My interest rate is 27.49 %. For example, I made a {$220.00} payment on the account and then the NEXT DAY got a {$99.00} interest charge, thereby canceling out the extra money I was trying to take off. This is extremely predatory. 
On Saturday XX/XX/year> I called Capital One to ask for assistance. They tried to put me in a payment plan that they have already done before and it actually only worsened my debt. They then said they would not help me with my interest being lowered. This information was delivered by XXXX, id either XXXX or XXXX ( the office has clearly been outsourced, because all Capital One cares about is money, not human lives ). 
I can not continue to make these payments and sustain a quality of life. I have to choose now between eating and being able to pay this bill, so I choose eating. PLEASE HELP ME!!!! NO ONE WILL HELP ME!!!! I CAN'T FIX THIS BY MYSELF AND NO ONE WILL HELP ME!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I am being enslaved by Wells Fargo and they have people running up accounts with liquid assets in them for infliction of distress mentally, physically, financially, emotionally, and spiritually on my children and I. You can check XXXX XXXX deposit account and see where the money is being made from my our distress. It is going on with her whole department at Wells Fargo. It is not royalties, residuals, or and inheritance. XXXX XXXX XXXX is beyond the whole entire thing.

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 2026-02-21 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: GA

Complaint narrative:
I am submitting this complaint to request immediate assistance regarding PayPals refusal to release my funds and their failure to provide meaningful communication or escalation, despite the serious financial hardship this has caused. 
I have maintained a PayPal business account for over 20 years. My husband regularly transfers money to me ; however, he was being charged transaction fees. I contacted PayPal customer service to ask how to prevent these fees. I was explicitly instructed by a PayPal representative to open a personal PayPal account and have my husband send the funds using the Friends and Family option. 
Relying on PayPals instructions and acting in good faith, I followed their guidance. Immediately after my husband sent the funds but did not use the friends and family option money I urgently need to pay my mortgage. PayPal then permanently limited the account, deactivated it, and placed a hold on my funds, stating they will not be released until XX/XX/XXXX. 
The funds being held are my lawful money. There was no fraud, no misrepresentation, and no violation of law. I acted solely based on PayPals own guidance. Despite repeated attempts, PayPal refuses to allow me to speak with a supervisor, escalation team, or risk department. I am unable to get any meaningful explanation or review of the hold. 
This situation has placed me at immediate risk of mortgage default. My mortgage payment of {$2500.00} must be paid by XX/XX/XXXX. Waiting until XXXX is not reasonable and creates severe financial harm, including the potential loss of my home. 
I believe PayPals actions are unfair and unreasonable, particularly because : I relied on their direct instructions. 
The funds are undisputed and lawfully mine. 
PayPal has refused to communicate or provide due process. 
The extended hold is causing imminent financial hardship and stress. 
I am requesting the CFPBs assistance in requiring PayPal to : Conduct an immediate review of the account limitation. 
Release my funds without further delay. 
Provide a written explanation and meaningful communication regarding this matter. 

Thank you for your time and assistance. I am available to provide any additional documentation needed. My phone number is XXXX and email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I'm expressing my concerns about this alleged medical debt that was sent to my home following a lawsuit afterwards. First off, I've asked for proper debt validation which you failed to provide. A billing statement is not enough information to prove this allege debt belongs to me. Before you decided to sue me, you didn't give me an opportunity to dispute and asses this debt. I asked for my signature that I received anything regarding this debt at the time it was delivered to my home. How are you going to prove that I receive debt validation or numerous attempts to resolve this debt before you decided to sue me. Shame on this law firm for not being in compliance with the FDCPA. 

I've been going to through a lot of emotional distress to the XXXX XXXX XXXX XXXX 2 years ago, and this whole process of being sued has caused me more stress and anguish. I will stress to the judge the emotional stress this caused me. Although you lack sympathy and understanding of my situation you still decided to file a motion to strike, when I asked for proper debt validation and proof of you trying to contact me via mail regarding this debt. Below are photos of this case including the initial contact you made with me prior to suing me. 

The interroagroties are vague and hard to interpret for the average consumer. I do not have funds for an attorney to interpret your interrogatories.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am disputing 3 unauthorized debit card transactions that Chase has refused to reimburse after initially crediting my account. Chase states the merchant provided matching name, address, phone, email, card number. This information does not constitute proof of authorization and can be compromised. 

The transactions were from a company called XXXX XXXX in XXXX. They occurred in rapid succession, triggered a fraud alert during a 4th purchase form another company called XXXX- both apparently expensive sneaker stores. I immediately contacted to Chase about the fraudulent charge and looked at my statement. I noticed that 3 additional charges had already been approved by Chase. from XXXX just before. I notified them right away ( on XX/XX/XXXX ) and told them I did not make the orders. Two weeks later, a package shows up at out home - one of the 3 false charges - from the companyXXXX XXXX XXXX I tried to notify them that I did not order this and need to return it. No answer from the company. 

On my next statement, I notice that Chase has overturned the dispute and recharged by account. Chase has not provided evidence of cardholder authentication ( chip/PIN, XXXX Secure, or verified account login ). I have tried numerous times to contact the bank and explain the issue and they tell me they receivd everything they needed from the vendor and the dispute has been closed and that I need to resolve this with the vendor. Minor issue- the vendor is not contactable accet through a " support '' email which only [ provides a canned response to my inquiries. My understanding is the under Regulation E, the burden is on the bank to show authorization. I am requesting reimbursement and review of the investigations compliance with Regulation E. 

I am unable to contact XXXX to return the one item they shipped - strangely addressed to my husband- not me. Additionally, the " proof of delivery '' for the other two packages from XXXX are strangely identical and fuzzy. Supposedly two packages with two different tracking numbers were delivered with the same image- of only one package. 

I want to have Chase supply proof that I authorized this transaction. Chase is the one that noticed the fraud and contacted me. Three purchases, made in rapid succession, shipped to one address - fraud 101. 

XX/XX/year> XXXX # XXXX - {$250.00} XX/XX/year> XXXX # XXXX - {$380.00} XX/XX/year> XXXX # XXXX - {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
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: Chime Financial Inc
State: NY

Complaint narrative:
I stayed at a hotel from XX/XX/XXXX to XX/XX/XXXX. During this period I was charged {$230.00} for the hotel in addition to an {$150.00} hold from my Chime Account. I wanted a period of about 7 days in order for my funds to be returned from the hold but it did not return. I called Chime Bank and was told my member services that the funds were returned on XX/XX/XXXX which could not have been possible since I did not check out until XX/XX/XXXX. I asked to speak to the fraud department multiple and they declined transfering me. I also couldn't find this transaction pending or otherwise while I was waiting for the charges to finalize.

Company response to consumer: Closed with explanation