vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I purchased airfare through XXXX XXXX for XXXX passengers on a XXXX itinerary. The total charges were applied to my American Express account. Six days later, on XX/XX/year>, XXXX XXXX unilaterally modified the booked itinerary without my consent, constituting a material change to the original contractual agreement. I did not accept the modified itinerary. XXXX XXXX initially offered a travel credit subject to restrictive conditions specifically, that it be used for travel departing from XXXX, for the same passengers, within one year. I rejected these conditions and formally demanded a full refund in writing, notifying senior leadership at XXXX XXXX that I had not consented to the itinerary change and was cancelling the booking accordingly. XXXX XXXX confirmed the cancellation but issued only a partial reimbursement on XX/XX/year> : Tickets originally billed at {$400.00} reimbursed : {$20.00} Tickets originally billed at {$470.00} reimbursed : {$28.00} I disputed the transactions with AMEX who re-billed the charges on a couple of occasions. The balances on XXXX disputed transactions represent charges for services that were never rendered. I was billed for a flight that XXXX XXXX itself modified, which I never agreed to, and which ultimately did not function/operate/happen as originally sold or contracted to me. I filed a formal complaint with the New York State Attorney General 's Office of Consumer Protection and requested their investigation and intervention in this matter. In light of the foregoing, I respectfully request your help and assitance so that American Express can review and confirm the XXXX pending disputed transactions from my account immediately, in compliance with applicable consumer protection laws and obligations under the Fair Credit Billing Act. The services contracted were modified after the contractual agreement ( breach of contract ) and no services were rendered whatsoever ( lack of service ) I submitted supporting documentation to AMEX, including the original booking confirmation, XXXX XXXX XXXX notification of itinerary change, my written cancellation and refund demand, and previous explanations in writing, to no avail. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I wish to file a complaint regarding the debt collection practices of Portfolio Recovery Associates LLC. I was served XX/XX/year>. I filed my answer with the court XX/XX/year>. On the same day I mailed a copy of filed court answer and debt verification letter via certified mail to the following addresses : ( Portfolio Recovery Associates LLC XXXX XXXX XXXX, XXXX VA XXXX ) and their attorney ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) DATE OF RECEIPT : XX/XX/year>. I asked for debt verification to be mailed to the address I listed. I never received any of the information I requested. Instead I was met with harassment and intimidation. Under FDCPA, all debt collection activities were to cease until requested validation of alleged debt was received. The debt collection attempts continued, I still received emails and phone calls. I received emails for debt collection from their attorneys. The emails that was sent by their attorneys/law office was sent to a personal email not listed on filed answer to the court. I feel intimidated. I have proof via screenshots of the complaint I am making. I am scared and upset. They continued to make attempts to collect a debt that isnt verified. I feel they are not complying with the laws and regulations. I have done what I am suppose to do. The harassment wont stop the latest being XX/XX/year>. If CFPB cant help I will be force to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Be advised that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), you are strictly prohibited from furnishing information that is inaccurate, incomplete, or misleading. Furthermore, upon receipt of this dispute, you are legally obligated under 15 U.S.C. 1681s- 2 ( b ) and 15 U.S.C. 1681i ( a ) to conduct a reasonable and good-faith investigation and to review all relevant information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I was told it could take XXXX to XXXX days to receive an offer when I applied for the buyback program. I initially applied XX/XX/2025. I have attempted several times to make contact after this date. A few times I was told they escalated my case. Now they say theres no status updates every time I reach out. They say I just have to wait for an offer letter. I have tried on their site to leave feedback for assistance but that portion of the site says its unavailable and wont accept the information for contact back.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Russell P Goldman PC
State: NJ

Complaint narrative:
I disputed and explained to the debt collector the status of the loan. XXXX XXXX XXXX XXXX ( XXXX ) : This program provides funding to XXXX schools, which then offer loans to students. Graduates who work full-time as XXXX XXXX for four consecutive years can have up to ( 85 % ) of their loan cancelled. I have worked full-time as XXXX XXXX for five years. The debt collector has no concrete information and or knowledge of the loan. Despite my dispute of the loan/amount, the debit collector keeps sending me mails almost every week for the past XXXX weeks demanding for my credit card to pay a debt.

Company response to consumer: Closed with explanation
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: Block, Inc.
State: FL

Complaint narrative:
Cash app closed my account claiming I violated their ToS but I have extensively read through their ToS and I have done literally nothing that violates the agreement. I have tried to appeal this decision and ask for detail yet they deny my attempts.

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 — Deposits and withdrawals
Company: Block, Inc.
State: OH

Complaint narrative:
I was robbed someone stole my phone while I was away for a year and when I got back I called cash app and told them someone was stealing and using my money so I told them my phone was stolen and there no way I can access that old cash they stole so they did a I investigation and found I was in the right and they gave me XXXX dollars back and I keep trying to get my money I have proper i.d I verified I won my dispute but they won't give me my money XXXX keep calling and they keep saying call back in 24 hours cause the automated system doesn't Work for me try again so I did that 4 times I've called asked for a manager they said no manager is available he will email me it been weeks I never got email so I call again they say the same thing but I don't understand how they can just steal my money and say there's no body I can speak with I just Have to take the loss if I stole money I would go to jail so I'm just want my money back please..

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: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am filing this complaint regarding PayPal placing a limitation on my account and restricting access to my funds without providing a clear or sufficient explanation. On or around XX/XX/XXXX, my PayPal account was suddenly limited. As a result, I lost access to my available balance, which I rely on for essential expenses. I was not given a specific reason for this action, nor was I provided with clear steps required to resolve the issue. PayPal has informed me that my funds may be held for up to 180 days. However, I have not been provided with a valid justification, supporting documentation, or evidence of any wrongdoing that would warrant such an extended hold. I immediately contacted PayPal through their customer service channels multiple times to request clarification, confirm my identity, and ask for the release of my funds. I also requested documentation or evidence supporting any claim of suspicious or unauthorized activity, as I believe I am the victim of fraud. Despite my efforts, PayPal has failed to provide meaningful information, has not resolved the limitation, and continues to hold my funds. This lack of transparency and prolonged restriction is causing significant financial hardship. I have complied with all requests made to me and have not been given a valid reason for the continued hold. I am requesting the immediate release of my funds and full restoration of my account access, or a detailed written explanation with supporting documentation justifying the restriction. I am requesting urgent intervention, as this matter directly impacts my ability to meet basic financial obligations.

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: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
To Whom It May Concern, I am writing regarding the closure of my Capital One Quicksilver Secured credit card account and a payment I submitted in the amount of {$200.00} dated XX/XX/year> and another payment to Capital One in the amount of {$190.00}. On XX/XX/year>, I was informed that Capital One had not received my payment. However, on XX/XX/year>, I received notice that my account was being closed due to activity inconsistent with typical customer account usage. This is contradictory. If the payment was not received, there should be no unusual activity. If it was received, then it must be accounted for. Accordingly, I formally request the following : XXXX. Written confirmation of whether my payment dated XX/XX/year> was : - Received and processed - Received and rejected - Not received XXXX. If the payment was received but not processed, a full explanation and immediate return of any associated funds XXXX. A specific and detailed explanation of the reason for closing my account, beyond the vague statement provided XXXX. Return of my security deposit associated with this secured credit card, if the account remains closed XXXX. Confirmation that any reporting to credit bureaus is accurate and not misleading Please treat this as a formal dispute and request for information. I expect a written response within XXXX days of receipt of this letter. If this matter is not resolved promptly, I will continue pursuing it through regulatory channels. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am disputing a fraudulent debt originally from XXXX that has been improperly placed in collections with XXXX ( XXXX # XXXX ). Service Failure : I opened an account on XX/XX/XXXX ( account number XXXX, enrollment number XXXX in XXXX )., but the internet service never functioned despite receiving equipment. Customer Efforts : I made numerous phone calls to support and technical departments, but XXXX was unable to provide a working connection or any resolution. Equipment Return : I returned all hardware to XXXX using their prepaid XXXX shipping labels. Deceptive Practices : On XX/XX/XXXX, I paid {$110.00} plus an additional {$10.00} Agent-Assisted Payment Fee because the payment was processed over the phone with a representative. The agent explicitly promised that this payment would close the account and the entire amount would be refunded since the service was never functional. Instead, XXXX kept the money, failed to close the account, and forwarded a fraudulent balance to collections. Current Issue : XXXX failed to refund my money and instead forwarded an additional invalid debt to collections. Validation Request : I have officially requested debt validation, including data usage logs to prove XXXX GB of usage, which clearly shows no service was ever rendered. I am requesting that this invalid debt be removed from my credit reports immediately and that all collection efforts cease. As proof, I am attaching a screenshot of the receipt sent by XXXX to my email address on XX/XX/XXXX, and a bank statement where the payment made on that date can be found. It is located on page nine in the Utility section. I am also attaching the letter I sent to the collection agency on my own behalf to resolve this situation.

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: Chime Financial Inc
State: MI

Complaint narrative:
I am filing a complaint regarding Chimes handling of a transaction dispute and reversal of a provisional credit without adequate explanation. I paid {$810.00} via XXXX XXXX ( funded by my Chime account ) to a moving service. The service resulted in property damage and service was not completed. Specifically, the movers caused damage to my piano and my home, and failed to move several items despite full payment. I filed a dispute with Chime for services not rendered as agreed and property damage. Chime initially ruled in my favor and issued a temporary credit. 2weekXXXX later, Chime reversed that credit and denied my claim, but did not provide a clear or specific explanation for the decision. I was not given : * A detailed reason for the denial * The several pieces of evidence used to support the decision * A meaningful opportunity to respond or submit additional documentation I also attempted to dispute the decision further, but was told that I can not reopen or appeal the claim, which I believe is unreasonable given the lack of transparency in the original decision. This situation is particularly concerning because : 1. The merchant is disputing facts of the service, yet Chime did not communicate how it evaluated conflicting claims 2. I provided several supporting documentation, including photos, invoices, court documents, and written explanations. 3. The original provisional credit indicates that my claim had merit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I was in the process of applying for the XXXX plan and was placed in administrative forbearance from XX/XX/XXXX through XX/XX/XXXX, during which interest was supposed to accrue at 0 %. Despite this, MOHELA incorrectly applied interest to my account throughout this period. My original principal was {$170000.00}. I have made {$12000.00} in payments, which should have reduced my balance to approximately {$160000.00}. Instead, my current balance is {$170000.00} reflecting approximately {$16000.00} in damage to my account. I contacted MOHELA at least 5 times over the past 6 months to resolve this, including documented calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I was told the issue would be escalated, but I received no follow-up and no correction was made. MOHELA also failed to provide accurate balance information during these calls.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Under the FCRA, you are required to conduct a reasonable investigation into these matters, typically within XXXX days, and delete or correct any information that can not br verified. If the information is verified, I request that you provide me with a description of the procedure used to determine its accuracy, as required under 15 U.S.C s 1681i ( a ) ( 6 ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
The account shows my XXXX payment came very early but I never got it from chime and they refused me a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: VA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX I initiated a remittance of {$1900.00} USD to XXXX XXXX Abound ( TClub Inc. ) under Transaction ID XXXX. The funds were not made available to the designated recipient by the date of availability disclosed on my receipt. Abound is in direct violation of the CFPB Remittance Transfer Rule ( XXXX XXXX XXXX ). I have contacted their customer support multiple times with no resolution, only receiving generic delay excuses. Because the funds have not been delivered by the guaranteed date, I am formally electing to cancel this transfer. Pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ), I demand an immediate and full refund of my {$1900.00} USD principal, plus the refund of all associated fees. I expect Abound to execute this refund within the statutory timeframe before any delayed funds clear into the recipient 's account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/2026, I requested Rocket Mortgage to reissue a check for {$760.00}. On XX/XX/2026, they sent me an email with a letter acknowledging this request. The check was for an overage of funds in my escrow account at the end of last year. Since then, I still haven't received the replacement check. On XX/XX/2026, I followed up on their email asking for a status update. I still did not receive a response so I emailed again on XX/XX/2026 but they have yet to respond.

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: Securus J Holdings, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a payment ( {$49.00} plus {$3.00} processing fee ) through the JPay website to be deposited into the account of an incarcerated family member. Upon submitting the transaction, I did not receive a confirmation page or any indication that the payment had been successfully processed. Believing that the transaction may have failed or timed out, I submitted the payment a second time. The second attempt produced a confirmation, leading me to believe only XXXX transaction had been completed. Later that same day, I discovered that I had been charged twice for the transaction. I immediately contacted JPay via both phone and email on XX/XX/year>, to report the duplicate charge and request a reversal. I did not receive a response until the following day, at which time a customer service representative informed me that the duplicate charge could not be reversed. Due to the inability to resolve the issue directly with JPay, I contacted my credit card company and initiated a dispute to request a chargeback for the duplicate transaction. On XX/XX/year>, I was informed by my incarcerated family member that their account had been frozen. Upon checking the JPay website, I also discovered that my personal account had been suspended. I was subsequently informed that JPay requires a money order to be submitted in order to resolve the chargeback and restore account access. This practice raises serious concerns. Freezing an incarcerated individuals accountthereby restricting their access to essential fundsdue to a billing dispute initiated in good faith places undue hardship on the incarcerated person, who has no control over the transaction. Furthermore, requiring repayment via money order as a condition for restoring access appears punitive in nature. This conduct closely mirrors findings by the Consumer Financial Protection Bureau ( CFPB ) in its enforcement action against XXXX XXXX XXXX ( XXXX ) and its subsidiaries. In that case, the CFPB found that the company violated federal law by unfairly freezing the accounts of incarcerated individuals after a chargeback was filed, thereby blocking their ability to receive funds. The CFPB determined that preventing deposits under these circumstancesdespite the incarcerated individual having no control over the disputeconstituted an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
I was visiting the Loan VP at Prosperity Bank XXXX XXXX XXXX, XXXX XXXX XXXX. I was asking about a loan for some land, and I had bank statements from my checking account and my business account. While talking to XXXX XXXX I noticed a withdraw from my personal account that I had no knowledge of and did not authorize of {$20000.00}. XXXX XXXX said, you did not authorize this? You did not know about this? I said, no, I am just now seeing this. He said, this is fraud. My cousin XXXX XXXX I suspect needed money from the business account and he somehow got into my personal bank account and transferred money. I emailed XXXX and said, return the money today! How did he get access to my personal account? I think the bank failed to follow procedures and my cousin took advantage of his knowledge of my financial situation. I immediately contacted the bank in XXXX XXXX and then in XXXXXXXX XXXX but they did nothing. I got a call from a Prosperity official but he blamed me. I want my money back!

Company response to consumer: Closed with explanation