vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Today, XX/XX/XXXX, I attempted to obtain my past records of communication ( messages, chats, and formal disputes ) and transactions through the Paypal website. Their online portal is supposed to keep records available for XXXX years, however I had no online history of any communications that I have had with Paypal over XXXX years. I also had no access to past statements before XX/XX/XXXX. I messaged with the customer service agent, and she chose to call me instead. While on the phone she concluded that I had no past messages or transactions. I asked her for the reference number for the call/case and she refused. I asked to speak with a supervisor, and was placed on hold for over XXXX XXXX When the supervisor took the call she had been given the wrong dates for the requested transaction history. I reiterated my request for the records of messages and transactions from XXXX through XXXX, and she again put me on hold for over XXXXXXXX XXXX. I was then told they would email me the transaction records. She hung up quickly before I could request her name and the internal reference number for my customer service case. I also did not receive any answer about my missing messages, chats, and disputes. I was requesting these documents because there is an erroneous case opened against me in XXXX, and I am trying to track down documentation to prove a case of fraud. Paypal states on their portal that these records are kept and should be available for customers to source themselves, but I have spent over XXXX XXXX trying to obtain them this morning. This is a violation of their responsibility to consumers. I am requesting that PayPal provide complete records of all transactions, communications, and disputes associated with my account from account opening through present, as they are obligated to maintain and provide upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc
State: LA

Complaint narrative:
To : HUNTER WARFIELD INC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation under 15 U.S.C. 1692g I am writing in response to the account you have reported under my name, originally associated with XXXX XXXX and currently placed for collection. This letter serves as a formal request for validation of the alleged debt pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I dispute this debt and request that you provide proper validation, including but not limited to : - The amount of the alleged debt - The name of the original creditor - Copies of any agreement bearing my signature showing I agreed to this debt - A full account history, including any fees or charges applied - Proof that your company is authorized to collect on this debt Until you provide the requested validation, you must cease all collection activity and reporting to any credit reporting agencies as required under federal law. If you are unable to provide the requested documentation, I request that this account be removed from my credit report immediately. Please send all correspondence regarding this matter to the address listed below. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Date : XX/XX/year> Citi XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX Re : Identity Theft Claim Demand for Deletion and Compliance Reference Number : XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in response to your letter dated XX/XX/year> regarding the identity theft claim opened on my behalf. XX/XX/XXXX, I acknowledge your confirmation that an identity theft investigation has been initiated. However, I must formally assert my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section XXXXB. You have indicated that the address and email provided do not match your records. This directly supports my claim that the account in question is the result of identity theft or inaccurate information. As such, you are now in possession of information that calls into question the accuracy and validity of this account. Under federal law, once a creditor is notified of identity theft and discrepancies in identifying information, you are required to : - Block and remove any related negative reporting - Cease collection activity on the disputed account - Ensure that no inaccurate or unverifiable data remains on my consumer file Additionally, your statement that internal records can not be released without a subpoena raises concerns about your ability to fully validate this account as required under FCRA. Therefore, I am formally demanding the following : XXXX. Immediate deletion of the account from all consumer reporting agencies XXXX. Written confirmation that the account has been permanently removed XXXX. Confirmation that I will not be held liable for any balance associated with this account XXXX Review of my eligibility to re-establish a banking relationship with Citibank If this matter is not resolved within the legally required timeframe, I am prepared to escalate this issue further through the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. This letter serves as a final opportunity to resolve this matter amicably and in compliance with federal law. Sincerely, XXXX XXXX XXXX XXXX

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 2026-05-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Stellantis Financial Services US Corp.
State: CA

Complaint narrative:
am filing a formal complaint against my auto leasing company regarding the repossession of my vehicle, a XXXX XXXX, which I believe was conducted unfairly and in violation of my consumer rights. Prior to the repossession, I made attempts to bring my account current by paying the past-due balance. However, the company refused to accept my payment and did not provide a reasonable opportunity for me to cure the default. Despite my willingness and ability to resolve the delinquency, my vehicle was repossessed without proper cooperation or good faith effort from the lender. I believe this conduct may violate fair lending and debt collection practices, as I was actively trying to make payment arrangements and was denied the ability to do so. Additionally, I was not provided clear communication regarding my options to avoid repossession. This situation has caused significant hardship, including loss of transportation and financial distress. I respectfully request that this matter be investigated and that the company be required to : Provide a full explanation of why my payment was refused Review the repossession for compliance with applicable laws Consider reinstating my lease or providing a reasonable resolution Ensure that my consumer rights were not violated

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 2026-05-03 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: Westlake Services, LLC
State: GA

Complaint narrative:
I obtained my auto loan in XX/XX/XXXX while living in Connecticut. I later moved to Georgia and paid off the loan in full on XX/XX/XXXX ( {$6200.00} ). My account reflects a XXXX balance. Since XX/XX/XXXX, I have repeatedly requested the release of my vehicle title. I contacted Westlake Financial multiple times by phone and email. They informed me that the title had been sent to Georgia to be transferred into a Georgia title. However, after contacting the Georgia Department of Revenue ( Motor Vehicle Division ), I was informed that the title transfer is pending because Westlake Financial did not provide a lien release. Despite multiple follow-ups, Westlake Financial has not clearly confirmed whether a lien release has been issued or sent. Their responses have been inconsistent, and the issue remains unresolved. As of today, my loan is fully paid, but my title has not been released due to missing lien release documentation. I am requesting immediate issuance of the lien release and completion of the title transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MS

Complaint narrative:
I have been having a lot of unauthorized transactions on my chime account. I told them that my information has been compromised. I gave them proof of that and I gave them proof of the merchant being a fraudulent company 3 still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I sent {$40.00} to someone via CashApp, to this account ( XXXX XXXXXX/XX/XXXX transaction number XX/XX/XXXX XXXX ). A few days later, I realized I had sent it to the wrong account. The recipient does not use that account anymore. So I immediately contacted Cash App and asked for assistance getting this resolved. They told me to request a refund from the recipient, which I did, only to have them reject the refund request. I contacted them again, confused as to why they would reject the refund when it was their suggestion in the first place as a solution. The next thing they told me to do was to have the recipient call in and request a refund. So I had her do that while I was with her, and after asking her for verification info to try to confirm she was who she says she was and that she didn't accept the money, which they confirmed was just sitting there, they still wouldn't release it back to me. It seems to me that this CashApp is being unethical and dishonest, and keeping my money illegally. It may not be a lot of money, but it's mine, and I want it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX I visited the dentist. Initial consultation and XXXX XXXX taken. No other services performed. The XXXX provided me an estimated cost of services to be performed. XXXX XXXX office applied for financing for XXXX services on my behalf requesting the full amount of the estimated services to be performed {$11000.00}. XXXX Credit card company approves and disburses financing to the XXXX for the full amount of estimated services to be performed {$11000.00}. I informed the XXXX that I could not afford this expensive treatment and I would not be obtaining the services and/or keeping my appointment on XXXX. XXXX Is the day I had the appointment to begin my XXXX services but I never showed up for the appointment. XXXX XXXX office charges/bills my account for the full amount of the estimated treatment of {$11000.00} even though I did not show up for the appointment and I did not have any services performed. Note : No XXXX treatment was performed beyond XXXX XXXX on the initial visit. No impressions, lab work or dental procedures were completed. Financing was processed for services not rendered. I have made multiple attempts to correct this issue with the credit card company and the dentist with no success. Now the credit card company is assessing interest, penalties and has sent this debt to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: CA

Complaint narrative:
This is a follow up complaint ID XXXX regarding PayPals false claims of no funds available to withdraw and reluctant to answer question of data retention period. I do have funds in PayPal from points which previously frozen. All my transactions within PayPal from 2025 to now is only about {$1300.00}, including XXXXXX/XX/XXXX and XXXX charging program monthly rebate. In the PayPal reply to my complaint, PayPal alleged my account was identified to prevent fraudulent activities and potential risk to PayPal. However, the classification of my account as a 'potential risk ' appears disproportionate and lacks a factual basis, given its transparent nature of transactions. Furthermore, while my account access is restricted, PayPal continues to retain my sensitive personal and login information. I am requesting a formal explanation of the specific legal statutes governing your refusal to provide a data retention timeline or a path to permanent data deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
SO MY BALANCE IS AVAILABLE THEY TRYING TO STEALING MY MONEY VIA COIN BASE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year> I attempted to donate {$5.00} to XXXX XXXX XXXX XXXX through XXXX. I accidentally put {$500.00} so I was charged {$500.00}. I disputed it with my bank and canceled the charge but it didnt go through XXXX. I had a balance of {$500.00} of XXXX unknowingly. I was sent {$500.00} on XXXX and tried to cash it out but XXXX will not allow it because of the negative balance. Can this be reviewed as a billing error or goodwill adjustment?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
So Ive been at this with them for almost two years now in regards to a reimbursement of lost money due to identity theft. I would go to my bank with many different forms of documentation for proof and would be denied resolution. It was told to me recently by my bank that Cash App is the one denying the dispute claiming it was authorized charges. After having to obtain a cash app to speak with customer service, I found out it was rather easy to add anybodies card without verification and simply take money as long as its not upwards of {$1000.00} or more. The person was taking {$800.00} out my account every week or so. Cash apps XXXX XXXX has not been of service as Ive contacted them 3 times through chat and have only got automated responses. I eventually called XXXX and got somebody who told me that I havent received resolution yet because cash app is investigating the issue and will contact you with the email weve been communicating. I asked which email on file and it was the incorrect one. I also asked if the investigation had been going on for almost 2 years and she said the most unsure yes and quoted cash apps template Im sorry for ___ issue. Please help me get this resolved, I need information as to why they think it was authorized transactions. It just seems like theyre withholding information to not pay me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: WI

Complaint narrative:
Medical debt from XXXX XXXX in XXXX, TN in XXXX. Under TN Law XXXX XXXX and XXXX XXXX, medical debt is banned on credit reports as of XX/XX/XXXX. This reporting is illegal. Remove this account now per TN law and FCRA. I initially called Ability Recovery Services and the XXXX XXXX for a debt information/validation letter and was told over the phone when ask in about the debt and it was told to me that I owed {$1200.00} dated all the way back from XXXX. The debt has since been adjusted. When I tried to update the dispute through XXXX where the debt was not only increased by an extra XXXX dollars from the original debt owed, I believe it to be updated. And the original dispute comment I made, I deleted it and added the new statement above reflecting TN law. I believe that XXXX aims to keep me stuck in a dispute loop to prevent me from legally exercising my rights with the Credit Bureau. Will be seeking more legal help and action due to the websites lack of autonomy and preventing further action in seeking to get account removed/updated.

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 2026-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: VT

Complaint narrative:
I am submitting a complaint regarding MOHELAs failure to process a borrower request and the resulting impact on my Public Service Loan Forgiveness ( PSLF ) eligibility. In XXXX, while I was enrolled in school, MOHELA placed my loans into in-school deferment. I explicitly declined this deferment in writing because I intended for my months to continue counting toward PSLF. MOHELA failed to process my request and kept my loans in in-school deferment status. As a result, months that should qualify toward PSLF, including during the COVID administrative forbearance period, are currently being treated as ineligible. Approximately three months ago, I contacted MOHELA and a representative located my prior request in their system and told me that the issue would be corrected. I was instructed to follow up in one month. When I did so, no correction had been made, and I was told that the issue would need to be researched again from the beginning. I have followed up several times and each time I get the same response they will correct this and I should check back in a month if it has not been resolved. Additionally, MOHELA has changed its system in a way that makes it difficult or impossible to access prior correspondence or confirm the status of my earlier request. This issue has a significant financial impact. Once these months are properly credited, I will be eligible for PSLF now. If they are not corrected I will be required to make approximately XXXX additional months of payments. I am requesting that MOHELA : Correct my loan status retroactively to reflect that I declined in-school deferment Recalculate my PSLF qualifying payment count accordingly Provide a clear explanation of the steps taken to correct this error

Company response to consumer: Untimely response
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: OH

Complaint narrative:
Pulling my credit file, Ive placed credit freezes on all XXXX bureaus you have no reason to keep pulling my credit as I am trying to redo my credit in sobriety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
This complaint concerns JPMorgan Chase Bank, N.A.s failure to honor a travel benefit provided as part of my credit card agreement. In XXXX, my travel was disrupted due to a volcanic ash cloud, which is explicitly listed as a covered inclement weather event in the Chase credit card benefits guide. Based on this, I submitted a claim for travel interruption and delay expenses. Chase approved and paid a portion of my claim, including flight losses and accommodations incurred in XXXX, confirming that the event qualified as a covered disruption under the credit card benefits. As my travel continued to be impacted, I incurred additional necessary expenses while stranded in XXXX XXXX XXXX as a direct result of the same disruption. I was instructed to file a separate claim for those XXXX-related expenses, which I did in good faith. That portion of the claim was denied, with the explanation that the expenses were not eligible. However, this contradicts the prior determination that the underlying event ( volcanic ash / inclement weather ) was covered. This was a single continuous travel disruption caused by the same covered event, not separate or unrelated incidents. The XXXX expenses were a direct and necessary result of that disruption. Since XXXX, I have made multiple attempts to resolve this issue, including at least three appeals and several follow-up calls. While I received a denial stating the expenses were not eligible, I have not received a clear explanation from Chase addressing why a covered inclement weather event was not applied consistently across the full claim. I also requested the specific credit card benefits policy language supporting the denial and clarification on why I was instructed to file a separate claim for the same event. I have not received a substantive response. I am requesting reconsideration and approval of the denied XXXX-related expenses, as well as a clear written explanation citing the specific policy language if the denial is maintained. This appears to be inconsistent application of the stated credit card benefits and failure to properly administer a covered claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has changed their auto pay feature to only allow minimum payments, not other fixed amounts. This results in two things, higher potential interest charges, or accidental missed payments. For someone like me who has only a promotional balance, it requires me to manually pay the fixed amount I had budgeted for every month. If I ever miss it, then I am sure my promotional balance would be subjected to full interest fees. If I select a fixed amount for a one time payment, then ask to have it reoccurring, it removes the fixed amount and forces me to select either full balance or the minimum payment. This is very sneaky, and only done to benefit Bank of America.

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