vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this request regarding my Capital One account. The account was originally opened on XX/XX/XXXX. I maintained the account and made payments as required. On XX/XX/XXXX, I paid off the remaining balance in full, bringing the account to a XXXX balance with no outstanding debt. Since the account has been fully satisfied, I am requesting that Capital One take appropriate action to remove or delete this account from my record. I have completed my obligation by paying the debt in full, and I would like my credit file to reflect that this account is no longer active. Please review this matter and update my account status accordingly. I would appreciate confirmation once this has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I attempted to redeem my XXXX points from my Citi XXXX XXXX card prior to closing my account. At the time, it appeared the redemption was successful. However, after closing the account and checking back, I received the following error message : Weve experienced a system error. Please try again or select a different redemption option like statement credit, gift card, or Shop with Points. Because the error suggests a possible system issue, Im requesting that my points be reinstated. These points are valued at over {$150.00} and were accumulated over the four years I held this card. I made consistent use of this account and spent a significant amount with Citi. I intended to redeem my rewards before closing, but due to what appears to be a technical error, the redemption did not process correctly. I would appreciate any assistance in restoring my points or helping resolve this issue. Thank you for your time and support, 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 non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: DE

Complaint narrative:
FINAL NOTICE : Regulation E Violation - XXXX Days Elapsed - Cases # XXXX & # XXXX I am filing this formal update to highlight a clear violation of Electronic Fund Transfer Act ( Regulation E ) by Cash App ( Block, Inc. ). * Case XXXX ( Primary ) : # XXXX ( Filed XX/XX/XXXX ) * Case XXXX ( Secondary ) : # XXXX * Total Disputed : {$2600.00} * Evidence : Cash App letter dated XX/XX/XXXX, explicitly acknowledging these charges were unauthorized. The Violation : As of today, XX/XX/XXXX, it has been XXXX days since my initial dispute. Cash App has failed to : XXXX. Provide provisional credit within XXXX business days as required by 12 CFR 1005.11 ( c ). XXXX. Resolve the investigation within the maximum XXXX window. XXXX. Cash App Despite their own written acknowledgment of fraud on XX/XX/XXXX, they continue to withhold my funds. I am demanding the immediate intervention of the CFPB to compel Cash App to issue full credit and comply with the recent XX/XX/XXXX CFPB Consent Order regarding their failure to handle fraud disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint regarding the handling of my credit card dispute by Citibank. While I filed my dispute in a timely manner and complied with all requests for information, Citibank has stated that the chargeback timeframe expired before the dispute could be progressed due to multiple internal reopenings and requests for clarification. My concern is not solely the outcome of the dispute, but whether Citibanks internal dispute handling process caused me to lose my ability to fully exercise my billing dispute rights despite timely compliance. WHAT HAPPENED Transaction date : XX/XX/XXXX ( {$110.00} ) Dispute submitted : XX/XX/XXXX ( within XXXX days ) Citibank has acknowledged in its XX/XX/XXXX response that : the dispute was reopened multiple times additional clarification and documentation were requested the chargeback submission window expired before the dispute progressed I responded to all requests and provided documentation early in the process. Despite this, the repeated reopening of the dispute appears to have delayed its progression until the chargeback timeframe expired. As a result, I was unable to have the dispute fully adjudicated through the chargeback process. Additionally, I filed a separate dispute with the same merchant under similar circumstances : Filed later : XX/XX/XXXX Same dispute category ( not as described ) Outcome : resolved in my favor This raises concern that the earlier dispute was not processed in a manner that preserved my dispute rights, as the later dispute was successfully completed while the earlier one expired.

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 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I had initiated a transaction with a user for XXXX baseball cards on XX/XX/XXXX and paid him PayPal goods and services. On XX/XX/XXXX I received a package but it was a XXXX dollar card when I paid XXXX for XXXX cards. I have the unboxing on video as well. I filed a case with PayPal on XX/XX/XXXX for a Not as Described since I technically did receive something. I added a ton of screenshots of the XXXX chat clearly laying out what was said and agreed upon. Also said I would send the video of me opening it. They asked me for more detail on XX/XX/XXXX as PayPal asked me for more detail. Tonight I got an email from PayPal saying the case was closed in the sellers favor with no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: Block, Inc.
State: LA

Complaint narrative:
As a parent I wanted to add individual Cash App accounts for each of them. I added my XXXX child, I did put his birthdate as older than he is XXXX ) because cashapp forces you to add each account that can send money to the child at younger age and I just didnt want to do that. His correct birthdate is XXXX. I am the Sponser parent account for his account, I sent him money on this account for his birthday, he want to purchase a game and apparently he put his XXXX number incorrectly. Ok, well me being the sponsor I should be able to access this and change things around if need be. We could not get back into his account, Ive contacted Cash-app several times and the could not help me. So they are essentially keeping my child and I out of his account, and keeping the {$100.00} in the account. It is clear that I am his mother and Ive created a second cashapp and sent XXXX to his original cashapp to show they are the same person like they instructed me to, and told me that I should be able to XXXX the accounts when it shows they have exchanged money. Now the account we cant access has {$100.00} in it that we can not access. We are not people that have lots of money and {$100.00} is a lot of money to us and its very disheartening to lose it like this. I would like to make a formal complaint and get this fixed, and force Cash App to have better policies for children and parent accounts to stop these completely unnecessary stress from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I contacted the company on three different occasions regarding my XXXX XXXX XXXX which I paid off XXXX years ago. I wanted a clean copy of the tile with the lien removed. First time I called, the gentleman was very polite. He verified my info and told me I would have a hard copy in XXXX to XXXX business days. He also said I would have a copied emailed in XXXX hours. I'll called back in XXXX hours because I never received the email copy. I have multiple accounts with Capital One and I've been doing business with them since XXXX. On the second call a woman responded with an attitude and told me that it had been emailed but that it would be emailed again. I called back XXXX hours and basically got the same response as the previous call. After the third time I emailed the following letter to Capital one : Subject : URGENT : Formal Complaint Failure to Provide Lien Release ( Vehicle Paid Off 3 Years Ago ) To the Office of the President, I am writing this email to formally express my extreme dissatisfaction with the serviceor lack thereofI have received regarding a lien release for a vehicle I paid in full XXXX years ago. I am a long-standing, high-value customer with Capital One, currently maintaining XXXX credit cards, a checking account, and a savings account. Despite my loyalty and history with this institution, my recent experience with the XXXX XXXX department has been unacceptable. Over the past week, I have called XXXX separate times to request a clean copy of my title. During each interaction, I was given specific promises : That a digital copy would be emailed to me within XXXX hours. That a hard copy would arrive via mail within XXXX business days. It has now been a full week, and I have not received a single email, nor has any representative been able to explain why the previous " guarantees '' were not met. I have fulfilled my financial obligations to Capital One ; Capital One is now failing its legal and professional obligation to provide me with clear proof of ownership. I require the following actions immediately : Immediate Digital Delivery : An emailed copy of the lien release/clean title sent to [ Your Email Address ] within XXXX hours of this message. Tracking Information : Proof of mailing and a tracking number for the hard copy of the title. Account Review : A formal explanation as to why three separate customer service requests were ignored or improperly processed. I would prefer to resolve this matter without involving the Consumer Financial Protection Bureau ( CFPB ) or my states Department of Motor Vehicles, but I am prepared to do so if this remains unresolved. Please contact me at XXXX or via reply to this email to confirm this is being handled by an executive caseworker. Sincerely, It has been XXXX days and I have heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Chime Financial Inc
State: UT

Complaint narrative:
Complaint Description : I am a high-tier member of Chime ( depositing over {$3000.00} monthly ). Based on Chimes specific in-app offer for " XXXX '' members, I was promised a XXXX XXXX XXXX at no cost. I accepted this offer and ordered the card. Upon delivery, I received a standard plastic card. When I contacted Chime to rectify this discrepancy, I was met with deceptive information and unprofessional conduct : XXXX. Deceptive Product Description : An initial representative claimed the card was " plastic on the outside and metal on the inside, '' a statement that contradicts the marketing of a metal card. The agent hung up when I questioned this. XXXX. Refusal to Provide Documentation : A supervisor subsequently refused to acknowledge the in-app offer. When I requested a " system capture '' or proof of the offer Chimes system presented to me, the supervisor also terminated the call. The Harm : Chime is engaging in " bait-and-switch '' marketingusing the promise of premium physical products to incentivize high-volume deposits, then failing to deliver those products. Furthermore, their refusal to provide the documentation of the offer presented to me, followed by intentional disconnection of support calls, prevents a fair resolution of the dispute. Desired Resolution : XXXX. Immediate issuance of the XXXX XXXX as advertised and offered in the application. XXXX. A formal explanation for the deceptive marketing and the unprofessional conduct of the management team. XXXX. Transparency regarding why the " XXXX '' status offer was not honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX Bankruptcy XXXX : I filed XXXX XXXX bankruptcy, and my case was XXXX on XX/XX/XXXX. The discharge order enjoined all creditors from attempting to collect XXXX debts under 11 U.S.C. 524. XX/XX/XXXX : Nearly XXXX years after discharge, Santander Consumer USA XXXX XXXX sent a billing statement for a debt that was included in and XXXXXXXX by the XXXX bankruptcy order. They obtained my current address through skip-tracing despite my having moved multiple times since XXXX, including an out-of-state move. This demonstrates active efforts to locate me and pursue collection of a XXXX debt. XX/XX/XXXX : A representative from Santander Consumer USA 's Litigation Department contacted me via telephone demanding payment on the XXXX debt. XX/XX/XXXX : Immediately following Santander 's Litigation Department contact, I began receiving repeated, aggressive collection calls from XXXX XXXX XXXX, acting as an agent for Santander. These calls were characterized by : Use of spoofed/untraceable phone numbers Threats to send process servers to my home ( repeated XX/XX/XXXX and again XX/XX/XXXX ) Explicit admission during recorded calls that they were pursuing collection of the XXXX debt with bankruptcy knowledge provided by Santander During a recorded telephone call, a World Processing representative stated : ( XXXX ) they were calling to collect the XXXX debt on behalf of Santander, XXXX XXXX ) they had received my bankruptcy case information, and ( XXXX ) they intended to continue collection efforts regardless of the discharge order. These calls did not cease. Forced Relocation : Due to credible threats of process servers being sent to my home, I was compelled to relocate to a different city to escape the harassment. The fear was confirmed by Santander 's Litigation Department and XXXX XXXX 's coordinated collection campaign. Financial Harm : To finance forced relocation necessitated by the collectors ' conduct, I was compelled to withdraw {$9000.00} from my XXXX ( k ) retirement account, incurring : {$900.00} early withdrawal penalty ( 10 % ) {$1900.00} immediate tax liability Permanent loss of retirement investment growth exceeding {$34000.00} Physical and Emotional Impact : The collection harassment caused XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am currently receiving XXXX XXXX XXXX and paying out-of-pocket expenses for treatment. Due to XXXX XXXXXXXX, my healthcare provider changed my medication, resulting in adverse reactions confirmed by my pharmacist as known side effects.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: NY

Complaint narrative:
XXXX CHARGED MY CARD UNAUTHORIZED, FOR A SELLER ACCOUNT SERVICE, WHICH I DID NOT AUTHORIZE. I HAVE NEVER RECEIVED A SERVICE OR PRODUCT FROM XXXX SINCE THEY STARTED THE COMPANY. I APPLIED FOR XXXX XXXX ( INDIVIDUAL ACCOUNT ) I WAS AUTOMATICALLY PLACED INTO ( PROFESSIONAL ACCOUNT ) WHICH I DIDNT CHOOSE. TO SELL ON XXXX IT COST {$.00} FOR XXXX, XXXX FOR XXXX, XXXX WRONGFULLY PUT MY ACCOUNT IN XXXX WHICH I DID NOT AUTHORIZE, I HAD TO WAIT TILL XX/XX/year> TILL I COULD MOVE IT BACK INTO XXXX, I WAS UNABLE TO USE SELLER ACCOUNT OR ANY FEATURES AT ALL, KEPT FORCING ME TO PAY MONEY OR UPDATE PAYMENT METHOD, THEN CHARGED ME EVERY MONTH WRONGFULLY STEALING ALL MY MONEY, CHIME DOESNT HAVE A BLOCK MERCHANT OPTION. HORRIBLE. I REACHED OUT TO REQUEST A REFUND, THEY ARE IRRESPONSIBLE, LACK OF CUSTOMER SERVICES, CONSTANT TRANSFERRING WITH NO ACTUAL OUTCOME WHAT SO EVER. PUTS ON HOLD FOR HOURS. NO HELP WHATSOEVER AT ALL. WAS NOT ABLE TO REACH ANYONE VIA EMAIL, PHONE OR APP. FOR XXXX XXXX XXXX AT ALL. XXXX MERCHANT FOR REGULAR PRODUCT OR SERVICE WASNT ABLE TO HELP AT ALL, HAD ME ON THE PHONE FOR HOURS TO TELL ME AT THAT LAST MINUTE AFTER I EXPLAINED MYSELF MULTIPLE TIMES, HE TELLS ME HE ISNT XXXX XXXX XXXX XXXX, HE DOES NOT HAVE ANY EMAIL, PHONE OR ANYTHING FOR THEM, WHICH I THINK IS A SHAME!!!!!!!!!!!!! FOR BUSINESS OWNERS. HORRIBLE PLATFORM, I DOT EVEN WANT TO CONTINUE ANY SERVICES WITH THAT COMPANY, NO ONE IS AMERICAN OR SPEAKS ANY PROPER ENGLISH, SOUNDS LIKE A SCAM, NO ONE RESPONDS, USELESS. THEY HAVE NO CUSTOMER SERVICE HELP, TO EXPLAIN THE CHARGE AND NOW THEY ARE CHARGING ME FOR AN UNKNOWN SERVICE EVERYDAY. CHIME REFUSES TO REFUND ME MY HARD EARNED MONEY IN A PROMPTLY MATTER. BOTH COMPANIES HAVE BEEN IRRESPONSIBLE AND HORRIBLE CUSTOMER SERVICES. LIKE BEYOND TERRIBLE. I SAT ON THE PHONE FOR A WHOLE XXXX HOURS, XXXX MERCHANT WAS UNABLE TO CONFIRM OR RESPOND TO THE CHARGE, CONFIRMED REFUND TO CHIME AND YET THEY HAVEN'T REFUNDED ME MY MONEY. A WHOLE ENTIRE MONTH ............. THEY NEED TO INMVESTIGTE TILL XXXX I HAVE TO WAIT FOR XXXX OF MYYY XXXX MONEY. IM VERY DISGUSTED WITH BOTH THE COMPANIES AND THIS HAPPENS NON STOP. THEY ALLOW ANYONE TO JUST TAKE YOUR MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Subject : Formal Dispute of {$6000.00} Balance Fraud Case, Failure to Secure Account, Request for Investigation Records To Whom It May Concern, I am formally disputing the {$6000.00} balance that PayPal claims I owe. This balance is directly tied to a fraud incident that I reported in a timely manner and for which my account should have been secured. Background : Approximately [ date ], I reported unauthorized transactions involving my account, including transfers to external recipients, some of which were located in the XXXX. At the time of reporting, I provided all known details and identified the transactions as fraudulent. Despite this notification, PayPal failed to adequately secure my account and allowed transactions and/or account activity to continue. Additionally, PayPal later determined that the accounts involved were reliable, which directly contradicts the fact that those accounts were used to receive fraudulent funds. XXXX, my linked financial institution, issued a provisional credit during its fraud investigation and later reversed {$6000.00} from PayPal. At the time of reversal, my PayPal balance was {$0.00}. PayPal has since assigned this loss to me, despite : * My timely fraud report * My lack of authorization of the transactions * PayPals failure to prevent or stop known fraudulent activity I am requesting the following : 1. Full validation of the {$6000.00} debt, including a detailed accounting of how this amount was calculated 2. Complete transaction history related to the disputed funds 3. Copies of all fraud investigation findings and internal determinations 4. Explanation of why my account was not secured after fraud was reported 5. Explanation of how liability was assigned to me despite reported unauthorized activity This letter serves as a formal notice of dispute. I do not acknowledge this debt as valid. If this matter is not resolved, I am prepared to escalate through the Consumer Financial Protection Bureau and other regulatory agencies. Please respond in writing within 15 days. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: CT

Complaint narrative:
Cashapp closed my account for violation. I appealed it and was told cashapp is not at liberty to inform why. How can I learn and have a better understanding as to why it happened. I was with Cashapp for XXXX. This is unacceptable. I never did anything wrong that I know of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Please see attached. On XXXX I purchased XXXX XXXX XXXX with agreement to reuse paid balance for future medical purchases. However, Synchrony changed the terms and transfered the amount to a higher rate credut card alleging the care credit product no longer available. However, it is still being offered to consumers. I contacted thr company to change the account back and they refused saying that product was no longer available. Per the attached it is still being offered.

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 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
This company is the worse to work. Have tried numerous times to get help. And they have done nothing.

Company response to consumer: Closed with explanation