vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing this complaint regarding Capital Ones handling of a {$5000.00} check deposit and the subsequent restriction and closure of my accounts, which has caused significant financial harm. 

On XX/XX/XXXX, I deposited a {$5000.00} check into my Capital One business checking account. This check was payment for the sale of my personal vehicle. I deposited the check specifically to fund my account and to bring my personal Capital One account out of a negative balance. 

The funds posted to my account, and my official account statement for the period ending XX/XX/XXXX reflects an ending balance of {$4700.00} after a {$270.00} transfer. Shortly after the deposit, Capital One restricted my accounts and later closed them. 

I was informed by Capital One representatives that an investigation was conducted and that the investigation was completed on XX/XX/XXXX. Since that time, I have received inconsistent and conflicting explanations regarding the status of the funds. I have been told variously that the check was returned, that it was not returned, that no reversal exists, that the funds are being held internally during a risk window, and that the funds may or may not be returned to the check writer.

As of today, Capital One has not provided any written confirmation or documentation showing that the check was returned, reversed, or disputed by the issuing bank. At the same time, my accounts have been closed, leaving me without access to the deposited funds.

As a result, I am experiencing severe financial hardship. I no longer have possession of my vehicle, and I do not have access to the proceeds from its sale. Additionally, because the funds were intended to resolve a negative balance on my personal account, I have been left without the ability to stabilize my finances or meet basic obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I have attempted to call Milestone Credit card at multiple numbers listed online and XXXX XXXX XXXX XXXX. Each time I dial any of the available phone numbers the phone just hangs up at both places. I never received a card which I was approved for back on XXXX the XXXX, XXXX and they want me to pay an application fee on or before XX/XX/XXXX. The problem is I can not talk with anyone at any phone number since they are not functioning and I have not received the card. 

The numbers I have attempted to call every single day since XX/XX/XXXX are as follows : Listed below 5 Milestone Credit Card Contact Numbers ( None of them work ) XXXX. XXXX ( listed as a Milestone Credit Card Customer service number for credit cards ) XXXX. XXXX ( listed as a Milestone Credit Card Customer service number for credit cards ) 3. XXXX ( listed as a Milestone Credit Card Customer service number for credit cards ) 4. XXXX ( listed as a Milestone Credit Card Customer service number for credit cards ) XXXX. XXXX ( listed as a Milestone Credit Card Customer service number for credit cards ) Listed below are 4 XXXX XXXX XXXX XXXX numbers I attempted to call ( none of them work ) XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I have maintained both a Chime checking account and a XXXX XXXX account for over six months, located in Texas. During this time, I have received my regular direct deposits and used the account solely for personal banking. I have not violated any laws, rules, or agreements with Chime.On XX/XX/year>, I received an email from Chime stating that my XXXX XXXX XXXX Credit Card account and XXXX XXXX XXXX XXXX account were closed immediately. The reasons listed were : " Account does not comply with the member agreement, account is not in good standing, and/or evidence or suspicion of unusual or potential risk activity. '' Chime did not provide specific details or evidence of any such activity, nor have I engaged in anything that would warrant this action.After receiving the closure notice, I called Chime customer service at XXXX XXXX CST on XX/XX/year>, to seek clarification. Chime representatives told me the account could not be reopened but refused to provide any further explanation or details about what triggered the closure. I have only received direct deposits and have not conducted any activity that would be considered suspicious or fraudulent.Chimes actions have caused sudden disruption to my finances and direct deposit arrangements. I believe this abrupt closure, without proper explanation or opportunity to respond, violates my rights to fair banking practices and transparency as emphasized in the Texas Finance Code 59.006 and related consumer protection laws. I am requesting that Chime be required to provide a detailed explanation for the closure, reconsider their decision, and reinstate my account given the lack of any wrongdoing on my part.I am asking the CFPB to review this matter, ensure that Chime provides full disclosure and fair treatment, and help resolve this situation so that my banking needs are not unfairly impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am submitting this complaint to formally report that I have been a victim of identity theftMidland Funding LLC is claiming that I owe them a balance of {$5700.00}. However, this alleged debt does not appear on my credit report, and I have documented proof showing that the account they are referencing is not mine.

After reviewing my credit reports, there is no valid reporting of this alleged debt, which directly contradicts Midland Funding LLCs claim that I owe {$5700.00}. This strongly indicates that the debt is fraudulent, inaccurately reported, or the result of identity theft.

I never opened, authorized, or benefited from this alleged account. I have evidence in my credit report confirming that this debt is not mine, yet Midland Funding LLC continues to claim I owe this amount without proper validation.

I am requesting that the CFPB investigate this matter, as I am being held responsible for a debt that I do not owe and that can not be verified as mine.

I am maintaining copies of my credit reports and all supporting documentation as evidence..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I made payments in excess of required mortgage and expected extra payments to be applied towards principal as it had been done in the previous mortgage company before select portfolio services purchased my mortgage. I called numerous times and finally filed a complaint with them explaining how I wanted my payments to be applied towards the principal at the time of payment. SPS applied the interest back to the principal but refused to back date it to when the payment was received. I paid interest on principal because they applied extra payments to future payments instead of to the principal at the time SPS received the funds as was done with the previous mortgage company. 
Why would anyone want to pay mortgage in advance and be charged interest that has not incurred at the time of payment?!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
In searching for a XXXX XXXX in XX/XX/year> I reached out to auto dealerships that worked with XXXX  XXXX auto finance, given I had a pre-approval from them and already bank with them. The dealerships did not listen to my request and continue to send out my application to other lenders even though I explicitly stated that I only wanted to work with XXXX XXXX auto finance. My current loan is through XXXX XXXX auto finance since Ive now purchased my vehicle at the end of XX/XX/year>. I continue to receive letter letters from auto dealership who had sent out my application to other lenders as well. My credit score was dropped almost XXXX points due to this mishap. I am extremely upset and frustrated with the lack of concern these dealerships had and sending out my information when I stated I was only interested due to the fact they were in network with XXXX  XXXX auto finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX- sent this complaint to mortgage company. 

Subject : XXXX XXXX Refusal to Properly Change the Name on the Mortgage and the Deed for To Whom It May Concern, After multiple attempts over a XXXX period, Wells Fargo continues XXXX refuse to properly change the borrowers name on the mortgage and deed for XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX based on the following attempts. 
XXXX. In XX/XX/XXXX, XXXX XXXX sent in a loan modification application which included the XXXX XXXX XXXX XXXX Order for the change of her name from XXXX XXXX to XXXX XXXX. Why hasnt the name on the loan been changed as requested? 
XXXX. On XX/XX/XXXX, XXXX XXXX sent in another loan modification application which included the XXXX XXXX XXXX XXXX Order for the change of her name from XXXX XXXX to XXXX XXXX. Why hasnt the name on the loan been changed as requested? 
XXXX. On XX/XX/XXXX, as the loan modification was being faxed via a Wells Fargo branch fax machine, XXXX XXXX visited a teller at the branch to make sure the name would be properly changed in the system. 
XXXX. On XX/XX/XXXX, a decision letter from Wells Fargo Home Mortgage was mailed in the name XXXX XXXX. Why hasnt the name on the loan been changed as requested? 
XXXX. On XX/XX/XXXX, XXXX XXXX sent in another loan modification application which included the XXXX XXXX XXXX XXXX Order for the change of her name from XXXX XXXX to XXXX XXXX. 
XXXX. On XX/XX/XXXX, a decision letter from Wells Fargo Home Mortgage was mailed in the name XXXX XXXX. Why hasnt the name on the loan been changed as requested? 
XXXX. Why has Wells Fargo refused to properly change the name on the loan and the deed for this property. Any further payments after XX/XX/XXXX, would have been to a loan and property that was listed under an incorrect name. We have attempted multiple times to get the name changed without a successful outcome due to Wells Fargo. 
Failure by Wells Fargo to have properly changed the name on this address would result in the inability of proper notification for foreclosure on this property.

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 2026-01-26 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:
On XX/XX/year>, an unauthorized card that I do not recognize was added to my PayPal account without my knowledge or consent. 
On XX/XX/year>, an unauthorized electronic transfer in the amount of {$4000.00} was withdrawn from my PayPal balance and transferred to this unfamiliar card. I did not authorize this transfer, did not approve the addition of the card, and did not benefit from this transaction in any way. 
I discovered the unauthorized activity on XX/XX/year>, and immediately secured my account by changing my PayPal password, enabling two-factor authentication, and removing the unfamiliar card. 
On XX/XX/year>, I reported the activity to PayPal and requested a fraud investigation, classifying the incident as an unauthorized electronic transfer resulting from account takeover. 
On XX/XX/year>, PayPal denied my claim, stating that the device and IP address associated with the transaction appeared consistent with prior account activity. 
Consistent device or IP information does not establish authorization and does not account for modern account takeover methods such as session hijacking, credential compromise, or unauthorized access to an authenticated session. 
The presence of an unfamiliar card added to my account and used to withdraw funds clearly indicates unauthorized access. I am requesting that PayPal conduct a manual review and reverse the unauthorized withdrawal of {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
Wise closed my business account for my XXXX on XX/XX/year>. I am not disputing the account closure. 

At the time of closure, my Wise XXXX account held approximately XXXX in company funds. 

I provided all requested documents and valid bank details to allow a refund of the remaining balance. Despite this, Wise has refused to refund the funds and has not provided a clear explanation of the legal status of the money. 

I filed a formal complaint with Wise and received a final response on XX/XX/year>. That response addressed only the account closure and did not explain what would happen to the funds. 

Since then, Wise has stopped responding to my follow-up emails regarding the refund. Wise has stated in writing that it never keeps the money of deactivated users, yet no refund, timeline, or legal basis for retaining the funds has been provided. 

I am seeking regulatory assistance to obtain clarity on the status of my funds and to have them returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: NY

Complaint narrative:
I experienced a temporary financial hardship and made a partial payment in good faith to avoid delinquency. Despite this, Capital One assessed multiple late and penalty fees in quick succession.

I contacted customer service and a supervisor to request a one-time goodwill adjustment, but was told the system would not allow it, even after explaining the hardship and my intent to pay.

I am requesting a review of these fees and a reasonable goodwill adjustment, as I attempted to pay and communicated promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I sent {$68.00} via Venmo to the wrong account. The account was actually suspended so Venmo kept my money to pay the suspended account. Consumers need to know that if you send money to an account thats suspended or in the negative all youre doing is paying Venmo for what someone else owes Venmo. If Venmo suspends an account they should not be accepting payments from unsuspecting consumers. Its a sneaking way for Venmo aka PayPal to get their money back. A suspended account should not be able to accept payments from unsuspecting consumers. This should be illegal and the regulators should not be allowing this to happen. Very crooked business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Interest rate was capped at 6 % under the SCRA, since XX/XX/year>, but it has been 7.125 % the whole time and I have been getting a subsidy and am in effect paying 6 %. However, this is an adjustable rate mortgage and if interest rates go below 6 %, that it can adjust without having to adjust first from 7.125 % to 6 %. The interest rate is not 6 % as required by law and instead they kept it at 7.125 % to more favorably apply the terms of the ARM for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc.
State: AL

Complaint narrative:
To whom it may concern, I, submit this formal complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) against all three credit reporting agencies for disseminating inaccurate information across all three credit bureaus. Specifically, an unauthorized account has been inaccurately reported, differing between bureaus, despite my disputes. This inconsistency violates my right to accurate reporting and dispute resolution under the FCRA. I request your immediate intervention to investigate these discrepancies, ensure accurate reporting, and remove the erroneous entries. Should this remain unresolved, I will pursue legal remedies. Thank you for your prompt attention.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: Paypal Holdings, Inc
State: MO

Complaint narrative:
b"PAYPAL LIMITED MY ACCESS BECAUSE OF MY ACCOUNT BEING ACCESS BY SOMEONE THEY LEAKED MY INFORMATION 2...BUT XXXX AND PAYPAL HAVE THE DISPUTES I FILED AND ALL THE CONVERSATIONS TRANSCRIPTS BETWEEN ME, XXXX AND PAYPAL...AND PAYPAL STILL HAVEN'T TOLD ME HOW SOMEONE WAS ABLE TO ADD A ADDRESS AND PHONE NUMBERS TO MY ACCOUNT AND STOLE MY MONEY. ALL THEY DID WAS DELETE THE OTHER PERSON INFORMATION, WHICH WAS: XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OR

Complaint narrative:
I am writing to file a formal complaint regarding an unauthorized transaction processed on my account by XXXX. 

On Monday, XX/XX/year>, an unauthorized charge of {$150.00} was debited from my account at approximately XXXXXXXX XXXX categorized as a financial services transaction. I want to state clearly and unequivocally that I did not authorize, approve, or consent to this transaction. 

Upon discovering this unauthorized activity, I immediately reported the issue and raised a dispute with the service provider. The Dispute ID for this transaction is # XXXX, which should be referenced in all correspondence related to this matter. Despite timely reporting, the issue remains unresolved and the funds have not been returned. 

This unauthorized charge represents a failure of adequate fraud detection and consumer protection measures. Such incidents cause unnecessary financial loss, stress, and undermine consumer confidence in digital financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: VW Credit
State: DC

Complaint narrative:
currently have several unauthorized and fraudulent accounts being reported on my credit profile. I have been notified of the recent data breach and I have reason to believe I have been affected by the data breach. Im requesting that the unauthorized inquiries and account be removed Immediately from my credit profile. Plese remove the following hard inquiries. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, multiple unauthorized transactions were made on my Chime account using my virtual card. These charges were processed by the merchant listed as XXXX, which I do not recognize and did not authorize. 

The unauthorized transactions are : XX/XX/XXXX at XXXX XXXX  {$490.00} XX/XX/XXXX at XXXX XXXX {$28.00} XX/XX/XXXX at XXXX XXXX {$500.00} XX/XX/XXXX at XXXX XXXX  {$990.00} XX/XX/XXXX at XXXX XXXX {$990.00} I did not initiate, approve, or benefit from any of these transactions. I have never shared my virtual card details, login credentials, or one-time passcodes with anyone. My account and virtual card were secure at all times. 

After discovering the charges, I contacted Chime immediately to report the unauthorized activity. A dispute was filed under Dispute ID # XXXX, and I requested that the affected virtual card be blocked to prevent further fraud. 

These transactions appear to be fraudulent. I am requesting a full investigation and reversal of all unauthorized charges related to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
My business account and personal account from CITIZENS BANK was closed on XX/XX/XXXX, the name of the business is XXXX XXXX XXXX XXXX, right now i am outside of the US and i want to send my funds to my other business account at another financial institution. The bank already take the funds from my accounts, i supose it was for made the checks, but i need to put my money on my other account. Please help me to resolve that matter.

Company response to consumer: Closed with explanation