vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank is holding a {$1100.00} mobile deposit until the XXXX despite no issue with the issuing bank. I have requested hardship review and expedited release but have not received assistance. This delay prevents me from paying essential bills. I deposited XXXX of XXXX they are saying it wont be till XXXX of XXXX when I get my money. 
This mobile deposit is held until the XXXX and its causing hardship. I also asked to submit an expedited deposit review they said they didnt do. I spoke to XXXX customer service agents from chase and they all gave me the run around and I spoke with XXXX American saving customer service agents. I can only remember XXXX name zabi no last name and the other XXXX from chase were women. I will be out today if my bills isnt paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
My account was locked from trading or transferring funds. Every customer service I called and talked to tells me they it will be resolved today but everyday it pushes and have been losing money. The Robinhood has no interest in resolving and releasing my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am writing to request that all my student loans held by XXXX be fully cancelled because of their misleading and unfair practices. I believe this company gave me bad information about my repayment options and did not properly explain programs that could have helped me. 

These actions are similar to other complaints and lawsuits that have been filed against Navient and CFPB. Their conduct has caused me significant financial hardship and emotional distress that could have been avoided if they had treated me fairly and honestly. 
Because I relied on Navient to properly manage my loans and trusted their advice, I am requesting that all of my student loans serviced by XXXX be fully discharged. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint regarding how Chase handled a separate credit card dispute involving a later transaction by the same merchant. After the initial XXXX formation services, XXXX ( XXXX ) automatically charged {$120.00} for a State Annual Report filing. This charge was processed without my authorization for address confirmation, and the Annual Report was prepared and submitted using incorrect address information. This address error was the same issue that existed in the initial business formation filings. Despite the prior address discrepancy, the merchant did not review, verify, or correct my address information before proceeding with this additional paid service. As a result, the same incorrect information continued to be used in a subsequent government filing. This demonstrates a repeated and ongoing service defect, rather than an isolated error. The issue was not reasonably discoverable at the time the service was performed and was identified only after the filing was completed and reviewed. I reported this {$120.00} charge to Chase as a separate dispute. Chase denied this dispute as well, stating that more than 180 days had passed since the transaction. This reflects the same pattern as the prior dispute, where the case was accepted and opened but later denied solely on timing grounds, without any substantive review of whether the service was defective or not performed as agreed. As with the prior dispute, I was not informed during the dispute submission process, case opening, or written notifications that the dispute would be denied due to a 180-day timeframe. I learned of this reason only after contacting Chase by phone. This procedural inconsistency prevented a meaningful opportunity for review. A fair resolution would be for Chase to reconsider this dispute based on defective or not as described service and to issue a refund of the {$120.00} charge, or alternatively a goodwill credit, given the repeated service defects and procedural inconsistencies in the dispute handling process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
In XXXX / XX/XX/year>, I became a victim of a PayPal-related scam. A third party sent money to my PayPal account from multiple accounts, usually in amounts of approximately {$1500.00}, and instructed me to transfer the funds to their website. At the time, I did not know this activity was fraudulent. 
Later, PayPal closed my account. I then learned that the third party falsely claimed to PayPal that they purchased goods and never received them. PayPal reviewed the case, refunded the money, and closed the matter. 
PayPal sent notifications by email, but I did not see them because my PayPal account was closed and I was no longer actively using that email address. As a result, I was unaware of the communications at the time. 
I did not sell any goods or services and did not benefit from these transactions. I was not acting as a merchant. Despite PayPal closing the case and issuing refunds, I later received a letter from a collection agency stating that I owe money related to this matter. 
I am disputing this debt, as it resulted from fraud committed by a third party, and I did not receive clear confirmation that I am legally responsible for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have maintained an active PayPal account since XXXX without any prior issues. Between the dates of about XXXX XXXX XXXX my account was permanently limited without explanation, leaving over {$3000.00} inaccessible. 
I have not engaged in any activity outside PayPals stated terms of service and/or inconsistent with my prior account history. 
Since the limitation, I have contacted PayPal customer service multiple times. During these calls ( three of which were lawfully recorded with disclosure ), I was provided conflicting information regarding the release of my funds : Initially advised I would receive a withdrawal link within 24 hours Then advised XXXX hours Later advised 38 days Finally informed that my funds would not be released until XX/XX/XXXX All transactions on my account have settled. No payments are pending, disputed, or reversed. 
Holding consumer funds for approximately four months is unreasonable and financially harmful. These funds are required to meet essential obligations, including support payments and employment-related expenses. 
PayPals repeated misrepresentations regarding release timelines constitute unfair and deceptive practices under consumer protection standards. I relied on PayPals representations in attempting to resolve this matter, only to receive shifting explanations and prolonged delays. 
I respectfully request CFPB assistance in compelling PayPal to immediately release my funds and I sincerely thank you for your support in regard to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal repeatedly denied valid claim despite Proof of Shipment ( Case : XXXX ) The Issue : PayPal has twice denied my dispute for a transaction of {$2400.00}, failing to honor their Buyer Protection Policy regarding items lost by the shipping carrier during a return. 

Detailed Timeline : XX/XX/XXXX : Received a damaged XXXX printer ( {$2400.00} ). The box was structurally compromised. 

XX/XX/XXXX : I returned the item via XXXX as per the seller 's instructions. I possess the official XXXX  Drop-off Receipt, proving I transferred possession to the carrier. 

Transit Loss : The package was lost within the XXXX  network due to the box 's pre-existing damage. XXXX concluded their investigation on XX/XX/XXXX, confirming the loss. 

XX/XX/XXXX : I filed a dispute with PayPal. It was instantly closed in the seller 's favor. 

Subsequent Denial : After I appealed, PayPal changed the case type to " Refund Not Received '' but closed it in the seller 's favor again. 

The Violation : PayPal is blindly relying on the tracking status not showing " Delivered '' to deny my claim. This is a violation of fair consumer practices because : I have provided Proof of Shipment ( XXXX  Receipt ).

The item is lost by the carrier, not by me. 

The seller ( XXXX XXXX ) is refusing to refund based on a technicality ( drop-off location ) to evade liability for shipping a destroyed unit. 

By closing the case, PayPal is effectively stating that the buyer is responsible for FedEx 's operational failures. I have fulfilled my entire obligation by handing the package to the licensed carrier.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am writing to request that all my student loans held by XXXX be fully cancelled because of their misleading and unfair practices. I believe the company gave me bad information about my repayment options and did not properly explain programs that could have helped me. 

These actions are similar to other complaints and lawsuits that have been filed against XXXX and CFPB. Their conduct has caused me significant financial hardship and emotional distress that could have been avoided if they had treated me fairly and honestly. 
Because I relied on Nelnet to properly manage my loans and trusted their advice, I am requesting that all of my student loans serviced by XXXX be fully discharged. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I booked a flight using Bilt Rewards points and cancelled it after being told my points would be refunded.

It has now been several months. Despite repeated follow-ups and assurances that the issue is under investigation, my points have not been returned, and support has stopped responding entirely.

Bilt Travel confirmed the booking was cancelled and that the airline approved the refund, but no resolution has been provided. I am requesting the return of my points or an equivalent credit.

I have made extensive efforts to resolve this directly with Bilt without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Summary of the Issue : My credit card issuer has repeatedly reduced my credit line despite a consistent payment history, stable income, and no significant change in my credit profile, particularly during the time the first reduction was made. These reductions have caused utilization spikes, negative credit score impacts, and adverse actions from other creditors.

Details : The issuer first reduced my credit line without any change in my financial situation. This reduction immediately increased my utilization ratio and negatively affected my credit scores. Other creditors then followed with their own adverse actions. 

The issuer has now reduced the credit line againthis time below my existing balancecreating a false over-limit condition. This overage was not caused by spending or missed payments ; it was created solely by the issuers internal adjustments. They are now demanding payment of this artificially generated overage. 

I have consistently paid according to the agreement. These actions appear to be a systemic practice that harms consumers by : Creating false over-limit balances Triggering unnecessary negative credit reporting Extracting higher monthly payments than the original agreement requires Causing cascading harm with other creditors

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 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit management never did business with and can not validate debt owed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX my wife and I acquired a grant deed to our home with a VA backed loan, Sunwest Mortgage Company llc XXXX XXXX the servicer. The previous owner stated at closing he would be living next door due to having an affair with the neighbor. My wife and I felt trapped because we put our escrow money up, our credit got ran multiple times, and we put in a thirty notice, we had no place to go and were forced to move forward with the loan. We also were told we would get a lower payment and didn't get it at the end.The taxes were behind and not paid when we purchased the home leading to the Tax Lien being filed on the property on XX/XX/XXXX. ( against VA home buyers policy ) The air conditioner stopped working XXXX of XXXX causing a hardship due to repair. The water heater stopped working on XX/XX/XXXX and we also found out it had been leaking gas. The repair also caused a hardship. Two of the three toilets by XXXX causing another hardship behind repairs. The neighbors also have been using neighborhood watch to monitor and watch my device to interupt our internet signal not allowing her to do her work from home. My wife and I are both XXXXXXXX XXXX  employees and our neighbors constantly harass my wife while she is working from home engaging in the above mentioned behavior. I approached a neighbor to ask why they keep driving up and down XXXX street harassing us and they called the police on us said i had a weapon ( filed a false police report ) and has us handcuffed pulled out of our house at XXXX point on XX/XX/XXXX. We filed multiple police with XXXX XXXX Police Department and nothing has happened.We also spoke to The Department of Homeland Security and our local FBI office XXXX XXXX no one has helped us with the harassment. 
On XX/XX/XXXX Sunwest fraudulently recorded an assignment of the deed into their name. 
On XX/XX/XXXX Sunwest fraudulently recorded a substitution of XXXX XXXX XXXX XXXX XXXX out of XXXX Florida as Trustee. 
On XX/XX/XXXX XXXX XXXX fraudulently recorded a Notice of Default and election to sell which also violated our filing on XX/XX/XXXX of our transfering our home to our trust. I also received a letter on XX/XX/XXXX dated XX/XX/XXXX stating my loan modification application was rejected ( I never requested one or returned it ) the letter also stated that my loan mod application was received but rejected and it was missing documents, ( i again never requested or turned a loan mod application ) more fraud! The most fraudulent act is that XXXX XXXX has set up my home for Trustee sale fraudulently for XX/XX/XXXX at XXXX pm. My wife is a XXXX XXXX XXXX  and losing our home could seriously jeopardize her life. I have reached out to my Veterans Affairs loan technician and shared this information.I hope it will be enough to stop the sale of our home. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express placed an account-level hold on my credit card account that blocked usage on multiple cards, but failed to provide clear, timely, and consistent disclosure regarding the restriction, its scope, duration, and resolution. 

Initially, I was advised by American Express representatives that there were no holds, blocks, or restrictions on my account. Despite this, my transactions continued to be declined. I was later informedafter multiple interactionsthat an account-level hold existed due to a returned payment from XX/XX/XXXX, including a specific {$86.00} hold and a multi-day representment process. This information was not disclosed at the outset and directly conflicted with earlier guidance. 

The customer-facing decline notification I received ( attached ) stated only that my transaction was declined because my recent payment has not cleared. This notice did not disclose : That there was an account-level block The specific hold amount The expected duration That all cards under the account would be unusable My bank released the funds on XX/XX/XXXX, yet the account remained blocked and transactions continued to be declined while American Express continued to withdraw payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Toyota loan financial its opened and closed and paid off account ending in XXXXNow these loan company and register car owner name is XXXXXXXX XXXX XXXXXXXX my ex spouse using these loan and car.I am not responsible for these account.I am requesting that removed those account its not my.XXXX, XXXX and XXXX. Also she used and stole my identity using loan for toyota and XXXX none of the account i am not responsible swear a XXXX please removed as soon as possible and update my credit score. Federal act FCRA605 b and FCRA act 605 a without my permission using my score new law for president and also removed the XXXX account from XXXX  hardly requestin thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Comenity Bank XXXX XXXX XXXX : Comenity Bank XXXX : Billing dispute / interest charges am filing a complaint regarding an improper interest charge assessed to my XXXX credit card account by Comenity Bank in XX/XX/year> following the expiration of a promotional financing period. 

Despite requesting on XXXX separate occasions that my mailing address be updated, Comenity Bank failed to correct my address in its systems. As a result, I did not receive billing statements, promotional expiration notices, or required disclosures. The incorrect address maintained by Comenity Bank was XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. My correct address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. 

Because Comenity Bank did not process these updates, I was unaware the promotional period was expiring. XXXX  I became aware of the interest charge, I contacted Comenity Bank within XXXX week and offered to pay the remaining promotional principal in full if the retroactive interest were removed. This request was denied. 

I dispute the interest charge under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), as it resulted solely from XXXX XXXX  failure to maintain accurate account information and provide required disclosures. I am willing to pay the remaining promotional balance in full but do not agree to retroactive interest caused by issuer error. 

Public statements by XXXX XXXX XXXX calling for limits on excessive credit card interest rates reflect broader federal concern regarding fairness and transparency in credit card servicing. While not binding law, these statements underscore the importance of preventing interest charges that arise from issuer error rather than consumer conduct. 

I request that Comenity Bank remove the disputed interest charge, correct my mailing address across all systems, and provide written confirmation of the correction. I respectfully request CFPB assistance in resolving this matter in accordance with applicable consumer protection laws. 
I dispute XXXX XXXX  position. Any assertion that notices were sent does not resolve the issue, as Comenity Bank failed to maintain my correct mailing address despite multiple requests. Notices sent to an incorrect address do not satisfy disclosure requirements under the Fair Credit Billing Act. 

The interest charge at issue arose solely from XXXX XXXX  administrative failure, not from any action or inaction on my part. I contacted Comenity Bank promptly upon learning of the charge and offered to pay the promotional principal balance in full if the retroactive interest were removed. 

I continue to request removal of the disputed interest, correction of my address across all systems, and written confirmation. If this matter can not be resolved administratively, I reserve all rights to pursue further remedies available under federal and state law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: GA

Complaint narrative:
A collection account from Credit Control , LLC for an alleged XXXX XXXX debt in the amount of approximately {$900.00} is being reported on my credit report. I did not open this account and I have never had an account with XXXX XXXX. This debt does not belong to me. 

I discovered this account on my credit report in XXXX and disputed it because the account is not mine. Despite this, the account continues to be reported as a collection. I am requesting that this inaccurate account be investigated, verified with proper documentation, and permanently removed from my credit reports if it can not be proven to belong to me. 

This is causing harm to my credit profile and is the result of inaccurate reporting of a debt that I do not owe.

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