vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
The delinquency reporting is disputed because the account servicing, escrow calculations, and payment application methods remain contested and materially affected the reporting chronology.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Danco Financial Services, LLC
State: WI

Complaint narrative:
Danco Financial Services issued me a Form XXXX for account [ Your Account Number ], officially discharging {$4400.00} under XXXX XXXX XXXX I have already reported this as income and handled it on my federal taxes. However, Danco is actively refusing to release the vehicle lien on my XXXX XXXX XXXXXXXX unless I pay them the {$4000.00} that they legally canceled. They are using the lien predatorily to collect on a debt that no longer exists. I request that Danco be ordered to electronically release the lien with the XXXX XXXX immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I paid off all of my capital one credit cards and closed all my capital one accounts on XX/XX/year>. Capital One claimed that I closed all my accounts on XX/XX/year>. On XX/XX/year> capital one paid out {$5000.00} on one of my closed accounts for professional services. I did not receive any professional services and capital one did not inform me of this transaction but rather started charging me interest on the monies without my knowledge. I only found out about this transaction when I was going through the capital one app before I deleted the app. The actions of capital one has severely damaged my credit score. My credit score plummeted from XXXX to XXXX in one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/XXXX XXXX XXXX, I attempted two ~ {$430.00} BTC purchases via XXXX using PayPal ( funded by XXXX XXXX XXXX ). Both attempts were immediately declined on Paypals and my banks side. I believed both had failed and intended XXXX purchases. I preemptively reached out to moonpay via the Paypal provided contact info to prevent any erroneous charges. The next day, I received an email from paypal saying they debited the amount from my balance and I owe them for both transactions. I did not authorize these payments to complete. PayPal is now billing me for both transactions and threatening debt collections. I have reported this as unauthorized activity. Previous disputes were closed in the merchants favor despite clear evidence the transactions were declined and canceled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I logged into my account and I notice their was fraud being done I immediately contacted my bank & reported I explain to them Ive never used this merchant nor did a transactions so how is possible for them to allow XXXX transactions with any out any authority I never received no text no email to verify the transactions I just really need help resolving this

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 2026-05-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My home is located in the XXXX. On XX/XX/XXXX at XXXX XXXX PT / XXXX XXXX ET I submitted a payment to Chase bank in the amount of {$4000.00} on a card with a credit limit of {$4400.00}. I had several pending transactions that totaled to {$3800.00} and I anticipated making more payments. At the time of making the payment, their portal reported that I had over {$500.00} in remaining credit to utilize I am out of the country and this particular Chase card is the only card I can utilize in this country without paying excess fees. Chase bank has historically not adjusted credit to my account until after funds have " settled '' from a transfer ( anywhere from 2-4 days, from what I have seen ). I specifically was trying to ensure I could continue to use my card, given the delay in funds utilization Chase typically does after payments have been made. On XX/XX/XXXX, I received an email from Chase at XXXX XXXX PT / XXXX XXXX ET stating they had received my credit card payment and had applied the payment to my account. The transaction in their portal went from the " pending '' section to the non-pending/posted section. Later that day, my card was declined. Looking at the portal, my current balance was reflected as XXXX, meaning based on the current balance Chase technically owed me {$850.00}. I had {$660.00} left in pending transactions. My credit limit was set to {$0.00}. I called customer service and had to continue to escalate until someone would finally confirm that based on my credit limit of {$4400.00} and my total purchases- including pending transactions- of {$3800.00} should have left me with {$580.00} of available credit, regardless of my payment. I was told that my {$4000.00} payment would not be made available for use until XX/XX/XXXX, even though it had posted to my account. I was told that even though I would have had {$580.00} of credit available to me to use had I * not * made a payment, I would now have no credit available to me until XX/XX/XXXX. It is now XX/XX/XXXX, XXXX XXXX PT / XXXX XXXX ET. All pending transactions in my account are reflecting as posted. My current balance is- {$180.00}, meaning they owe me {$180.00}. There are no further pending transactions. My credit limit is still {$0.00}. I can not even access the money they say they have received that was an overpayment. I can not access my money that they have confirmed via email they have received. I can not access a cent of the credit limit I am supposed to have. I have been told that I can not for 5 more days. I have not been given a reason for why there will be this delay, other than it is still " processing '' even though it is reflected as posted in my account portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt of XXXX. Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 5. Surety bond information ( if required by law in your jurisdiction ). A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information. Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : * 15 U.S.C. 1692e False or misleading representations * 15 U.S.C. 1692f Unfair practices * 15 U.S.C. 1692g Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs. This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Complaint Against : PayPal , Inc . Amount in Dispute : {$1200.00} Issue : Failure to release funds from a permanently limited account after the 180-day hold period. My US-based PayPal account was permanently limited in XXXX. According to PayPals own policies, funds on limited accounts are typically held for 180 days to cover potential chargebacks, after which they must be released to the user. In XXXX, I received an official notification from PayPal stating my funds were eligible for withdrawal. However, every attempt to transfer the {$1200.00} balance to my linked bank account has been systematically blocked. PayPals interface explicitly states that " transferring money is the only option '' left for my account, yet their system refuses to process that very transaction.I have attempted to resolve this through customer support chats and phone calls for years. I have provided all requested identification and followed every prompt, but the funds remain stuck. PayPal has provided no tangible reason for this multi-year hold, which now constitutes an unauthorized seizure of my property. I have saved all chat transcripts and screenshots of the XXXX eligibility email and current error messages as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
Ive had an account with Wise aka Transfer wise for 7 years. Ive recently used the service to send money to an overseas employee and I overpaid them. I had to verify XXXX account to send as its been a year since Ive used it. Once the overpayment was refunded I couldnt receive the funds. I had the sender resend via different currencies and then customer service mentioned I needed to be verified even though I just completed a form of verification and sent money with no issue. I had let them know my status was pending and they let me know that I would need to purchase a bank account from them to receive my funds. Its now been 24hrs with no clear responses and they have taken my biometric data including sensitive company documents and refuse to issue the funds nor will delete my data after being forced to attempt to open a bank account even though I already had a wise account on the platform. Online it mentions that an account with them is free with no mention of a XXXX dollar opening fee. The violations and false advertising here is egregious & is how they make money keeping funds in limbo

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
I made a purchase on XX/XX/year> {$110.00} and XXXX im made a purchase from a website called XXXX XXXX. I try to contact the seller for a refund as I was dissatisfied with my purchase and the item did not match in the description or the picture of what I wanted and I contacted my bank Chime for a distribute and they said when they contacted the guy the company, but everything was fine, but it was not and I returned the package back to the seller but yet no response from the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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

Complaint narrative:
On XX/XX/year> I sold an authentic pair of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXXXXXX, paid via PayPal by buyer XXXX XXXX ( XXXX ). The item was professionally authenticated by XXXX before sale. The buyer opened a dispute ( XXXX XXXX XXXX claiming the item was not as described. However, the buyer is committing a deliberate item switch scam. The photos he submitted in his own dispute show XXXX XXXXXXXX shoes. I sold and shipped Size XXXX. Additionally, my unboxing video shows a silver hardware detail on the authentic shoes the buyer 's photos show the same detail in XXXX. These are physically different shoes. I submitted extensive evidence to PayPal : XXXX authentication, original listing photos, packaging video, parcel machine video showing his address label, tracking confirmation, and full chat logs showing the buyer initiated off-platform payment and confirmed his delivery address. Despite this evidence, on XX/XX/year> PayPal ruled that the buyer should return the merchandise, after which I would be refunded meaning XXXX would be taken from my account. This decision was made without properly reviewing the size mismatch evidence, which is visible in the buyer 's own submitted photos. If the buyer ships back his XXXX XXXX XXXX XXXX, I will lose XXXX and receive counterfeit goods while he keeps my authentic pair. I am also aware the buyer admitted via XXXX to being under XXXX and using a third party 's PayPal account a violation of PayPal 's Terms of Service. PayPal has failed to protect a seller against a documented switch scam despite clear photographic and video evidence. I am requesting the CFPB require PayPal to reopen and properly review this case before any refund is issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Fraudlent activity with authorized charges up to XXXX. Wrongful reporting on credit report

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 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX, I deposited {$1000.00} cash into my Chime account at XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ). XXXX completed the transaction and provided a receipt. Only {$100.00} posted to my Chime account ; {$900.00} was missing. Between XX/XX/year> and XX/XX/year>, I contacted Chime XXXX XXXX XXXX XXXX XXXX multiple times and was transferred between approximately XXXX representatives. I was repeatedly told to contact XXXX, even though XXXX had completed the transaction and provided a valid receipt. I emailed the receipt to Chime multiple times and to multiple representatives. During these calls, Chime representatives reviewed my account and stated they only saw the {$100.00} posting. Several agents said they did not know how to proceed, and I was transferred repeatedly. All calls are recorded and monitored. I was also given conflicting information, including claims that there was insurance to cover this situation. No written confirmation of any investigation was provided. I requested : Written confirmation of the investigation Documentation of what happened to the missing {$900.00} An explanation for the discrepancy Written confirmation that my account be closed Chime did not provide these items. Instead, they repeatedly directed me back to the same phone number and incorrectly told me to contact my issuing bank, The XXXX XXXX, which does not communicate with consumers. My account closure request was not completed. Chime eventually credited the missing {$900.00}. However, on XX/XX/year> at XXXXXXXX XXXX I received an email from Chime stating that they had completed an investigation, found no error, and would not be crediting the {$900.00}, despite the funds already being issued the day before. I responded to that email and informed them their statement was inaccurate, that the {$900.00} had already been issued, and that the investigation had confirmed an error. I also repeated that I had a request for account closure. Chime still did not close my account and continued directing me back to phone support, leaving me no choice but to escalate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
In XXXX of last year there were several fraudulent charges on my credit card. I contacted Synchrony as soon as I noticed them. They removed several of them but said that the XXXX XXXX concert tickets were purchased by me, which is not true. I asked for the information and they mailed it to me. After looking over it, I could see the IP address was not mine, the wireless XXXX was not mine, the area where it was purchased I have never been. They also couldn't tell me how the tickets were delivered or who they were delivered to. they said they were delivered electronically but won't or can't tell me where they were delivered to. I did not make these purchases, I did not receive any tickets and have never been to Iowa for a concert.

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 2026-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: PR

Complaint narrative:
On XX/XX/XXXX, I went to the XXXX office in XXXX, XXXX XXXX, and delivered the company 's equipment. This was my last visit to XXXX because I had switched to another provider. On XX/XX/XXXX, they sent an email confirming the account 's closure. Afterward, another company began to call me, asking for the equipment that I had already returned to XXXX. I informed them that I had returned the equipment on XX/XX/XXXX. Several months later, they placed that collection on my credit report. On XX/XX/XXXX, I sent a letter to National Credit and XXXX, requesting the contract and an explanation for why they placed that collection on my credit. After 20 days, XXXX simply accepted the information that National Credit provided to them, and all the information I sent to both was not taken into consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Central Research Inc
State: GA

Complaint narrative:
I am filing a formal complaint regarding CRIs deceptive online auto-pay enrollment system and their refusal to correct the resulting inaccurate credit reporting, in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I enrolled in Auto Debit through CRI 's portal. CRIs system generated and sent me an official PDF confirmation letter stating : " We are writing to confirm your enrollment in Auto Debit for your CRI account, which you authorized on XX/XX/year>. '' I reasonably relied on this official documentation. However, CRI claims that later that exact same day, the enrollment was cancelled because a backend " Terms and Conditions re-authorization '' was allegedly not completed. I did not manually cancel this enrollment. CRI 's system generated a false " Approval '' letter before the process was allegedly finalized, giving me a false sense of security, while dropping my enrollment in the background. Furthermore, the subsequent cancellation notice was routed to my spam folder. Issuing an official approval letter when an enrollment is not actually complete is a deceptive system design. This critical failure directly caused my account to fall 90 days past due from XX/XX/year> through XX/XX/year>. CRI has internally corrected my account to " Current '' but refuses to update the XXXX late marks witXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation