vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I booked a hotel through Capital One, specifically, Capital One XXXX. Capital One XXXX failed to honor prepaid hotel booking, failed to re-accommodate me, and failed to follow up twice Complaint body : On XX/XX/XXXX, I arrived at XXXX XXXX by XXXX by XXXX in New Jersey for a prepaid hotel reservation booked through Capital One XXXX for {$130.00}. I made this reservation on XX/XX/XXXX. When I arrived, the hotel could not locate or honor my reservation and told me there was no room available for me. They told me to call capital one XXXX and that they were overbooked. I called Capital One XXXX from the hotel and spent over an hour trying to get help. Capital One XXXX was unable to resolve the issue or provide replacement lodging. Because I needed a room that night before a business meeting, I physically found and paid for a second XXXX XXXX myself for {$260.00} using my Capital One card. Only after I had already left and checked into the replacement hotel did XXXX XXXX claim XXXX original reservation had been found. They claimed that I was ineligible for a refund for the first hotel room. That later discovery did not fix the problem because the reservation was not usable when I arrived and needed the room. Capital One also failed to follow up twice. First, the original Capital One XXXX agent told me I would receive follow-up after the incident, but I did not receive a meaningful resolution. Second, I spoke with a Capital One XXXX on Thursday, XX/XX/XXXX, and was again promised follow-up. It is now Thursday, XX/XX/XXXX, and I still have not received any substantive response only an automated email. This is unacceptable. I was left without a usable prepaid room after midnight, Capital One XXXX failed to re-accommodate me in real time, I had to secure my own replacement lodging, I lost roughly two to three hours dealing with this issue, and I did not get to sleep until around XXXX XXXX. before a business meeting. The issue is no longer just the failed hotel booking ; it is Capital One XXXX repeated failure to take ownership after leaving a customer without usable lodging after midnight. My requested resolution is : ( 1 ) refund of the original {$130.00} booking, ( 2 ) reimbursement or statement credit for the {$260.00} replacement hotel I had to secure myself, ( 3 ) XXXX Capital One miles or equivalent statement/travel credit for the overnight disruption, failed re-accommodation, poor support, and two missed follow-ups, and ( 4 ) direct outreach from a Capital One corporate/customer advocacy representative, not another general travel-support agent. I had also been considering expanding my relationship with Capital One through targeted checking and savings offers, but this unresolved experience has made me reconsider whether Capital One can support me reliably as a broader customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am urgently requesting an investigation into multiple accounts on my credit report that continue to reflect false and inaccurate information. My repeated requests to correct or remove these errors have been denied and/or disregarded without proper resolution. As a consumer, I understand that I have rights, and the information being reported does not meet the standard of maximum possible accuracy. These inaccurate accounts are unfairly damaging my credit score and negatively impacting my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
b'I am writing to formally escalate an unresolved issue regarding $XXXX in cashback rewards that I earned through my PayPal Cashback Mastercard. (XXXX XXXX XXXX XXXX). My PayPal account is : XXXX I am unable to redeem these rewards because the cashback can only be deposited into my PayPal account, which is permanently limited. I have contacted customer service multiple times by phone and email and requested either: Issuance of a check for the earned cashback, or A temporary lift of the account limitation solely to allow redemption Both requests were refused, leaving me with no method to access rewards that were validly earned. This situation is not the result of misuse of the cashback program. Denying redemption without providing a reasonable alternative effectively withholds earned rewards.XXXXPayPal has refused to issue me a check for the rewards that I earned or temporary lift the restriction and let me redeem the reward that way.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Synchrony Bank ( CareCredit ) reduced my credit limit from {$8000.00} to {$1000.00} without providing any prior notice. This reduction materially harmed my credit utilization ratio and lowered my credit score, which had been XXXX before this action. The card is maintained specifically for veterinary emergencies, so low usage is expected and consistent with the products intended purpose as a medical-use line of credit. They made it a general use credit card after I opened my account, but that's simply not what I use it for. I received no adverse action notice, no email, no letter, and no secure message. When I contacted customer service, I was told the reduction was due to inactivity, but I was given no opportunity to take affirmative action to prevent this. The supervisor also stated that the company has to make money, which does not explain why an unused credit limit would need to be reduced. On XX/XX/year>, I mailed a formal written complaint to Synchrony, including identifying account information and a request for review. I have received no acknowledgment or response. Synchrony has removed secure messaging from the CareCredit website, and phone support can not escalate beyond a call-center supervisor, leaving me with no way to resolve this directly. I am requesting : - Restoration of my prior {$8000.00} credit limit or a clear explanation of what documentation is required. - An explanation for the lack of notice before taking an adverse action. - Clarification of Synchronys policies regarding credit-limit reductions on medical-use accounts. Attached is a copy of the letter I sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
To whom it may concern, I am filing a complaint today in regards to the permanent limitation of my PayPal account and inability to resolve a negative balance due to restricted access. My account was permanently de-activated after my XXXX store experienced a card-testing bot attack, resulting in fraudulent transactions and subsequent charge-backs. I believe this activity triggered PayPals risk systems, despite being the victim of external fraud. I attempted to appeal the limitation and provided information regarding the fraud activity, invoices for legitimate inventory, and evidence of fulfillment and refunds. The review is still unresolved, and I have been informed the account will not be reinstated. I am currently unable to resolve my negative balance through the standard PayPal interface and require assistance in settling the outstanding amount or receiving clear instructions to do so. I am requesting : - Clear resolution of my outstanding balance - A final review of the account limitation decision - Written explanation of available resolution options I am willing to resolve all outstanding obligations and comply with PayPal policies. Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Last # 4 of XXXX account Number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX Cell. XXXX Im filing this CFPB complaint against XXXX regarding my XXXX credit card account number XXXX XXXX sent me an email stating that my account would be permanently closed unless I made a payment by a XX/XX/year> This email constituted a material change in the terms of my account. However, it failed to clearly disclose the specific payment required, it did not state whether the full past due balance, the minimum payment due, any amount less than the minimum, or the full balance was needed. It simply said make a payment. This was especially confusing because just a few months earlier, XXXX representatives had told me over the phone that I could make a payment less than the minimum due to prevent my account from being closed. Relying on that prior guidance and this email, I made a good-faith payment of {$50.00}. XXXX permanently closed my account anyway. Because this email created a change in the terms of my account, XXXX was required to provide clear and conspicuous disclosures. Their failure to do so violates : Regulation Z, 12 C.F.R. 1026.5 ( a ) ( 1 ), which states : The creditor shall make the disclosures required by this subpart clearly and conspicuously. It also violates the Truth in Lending Act and Regulation Z requirements for clear disclosure of any terms or changes affecting the consumers rights and obligations, especially penalties such as permanent account closure. This conduct further constitutes a deceptive act or practice under the Consumer Financial Protection Act, 12 U.S.C. 5536 ( a ) ( 1 ), which makes it unlawful to engage in any unfair, deceptive, or abusive act or practice. After the closure, I was forced to agree to a payment plan just to prevent the account from going to collections. Because this entire situation was caused by Discovers own ambiguous and misleading email ( which constituted a change in terms ), there is no reason for me to be fighting off collections. I request an immediate hold on any collection activity. I further request that XXXX : Reinstate my account to its prior status Remove all negative collection-related reporting Re-age the account fairly, taking this situation into consideration Set up a new, fair payment plan based solely on the amount I owe ( not elevated payments required to keep it out of collections ) Ensure all future communications regarding payments or account closure are clear, detailed, and non-ambiguous

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accord Business Funding, LLC
State: NY

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX attempt to collect an alleged XXXX XXXX balance of {$12000.00}. On XX/XX/year>, XXXX XXXX of XXXX XXXX XXXX emailed me claiming that XXXX XXXX placed my account with their office for collection and UCC enforcement. The email stated that if I failed to address the matter, XXXX XXXX XXXX would pursue remedies under the contract, including enforcement of a UCC security interest. I dispute this alleged balance, the legal basis for the collection claim, and XXXX XXXX XXXX authority to collect or enforce it. The underlying XXXX XXXX transaction was previously disputed by me. My position is that the agreement was represented as a purchase of future receivables, but in substance operated like a high-cost financing arrangement with fixed daily payments regardless of actual receivables. XXXX XXXX XXXX demanded payment and threatened UCC enforcement without first providing documentation showing its authority to collect, the chain of title/chain of assignment, a complete accounting, proof of any valid UCC filing XXXX reconciliation records, or the legal basis for the {$12000.00} balance. Specifically, I requested the complete chain of title/chain of assignment showing who currently owns, controls, or has enforcement rights over the alleged claim. On XX/XX/year>, I sent XXXX XXXX XXXX a written dispute and demand for documentation. I requested proof of authority, the complete agreement, payment/accounting history, UCC records XXXX the alleged default basis, reconciliation records, New York compliance records , and confirmation of the legal status under which Forward Financing and XXXX XXXX XXXX claim the right to collect or enforce this alleged debt. I request that XXXX XXXX XXXX cease collection activity unless and until it provides full written documentation proving the legal basis for the claim, the accuracy of the balance, its authority to collect, and any claimed right to UCC enforcement. I also request that XXXX XXXX XXXX communicate only in writing and not contact me by telephone regarding this disputed matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Monterey Financial Services LLC
State: AZ

Complaint narrative:
The loan has a XXXX not interest period which expired on XX/XX/XXXX. I made my final payment on XX/XX/XXXX of {$660.00}. They are trying to charge me {$330.00} in interest even though I paid in full. No will return my calls or messages and the are charging me daily interest. Because of the daily chargers and delayed payment system it appears they are making it impossible to pay my loan off early. I have statements for all my payments and a contract that says I will not be charged interest if I paid in full before XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am the successor trustee for an account with Citibank. Despite my best attempts I have tried to have the account transferred under my guardian ship for my sister. The primary account guardian is deceased. I have completed all the paperwork for this to happen yet Citibank refuses to comply with the transfer. I have called and emailed for many attempts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We mailed a check ( Check # XXXX in the amount of {$80000.00} ) via XXXX XXXX on XX/XX/XXXX. The check was sent to IRS for our XXXX tax payments. On XX/XX/XXXX, we discovered that the check was washed and deposited to a different name on XX/XX/XXXX. The amount wasn't changed, but the payee name was changed from " United States Treasury '' to " XXXX XXXX XXXX. '' In addition, Ref line originally had " XXXX XXXX '' with our social security numbers in parenthesis, and it was altered to make it less obvious as a tax payment. The check was deposited to a XXXX XXXX account with information listed at the very bottom of this summary. We called Chase on XX/XX/XXXX and reported the fraud. They asked us to wait for an affidavit in the mail to file the official claim. When I asked the representative on the call if I should file a police report, they advised they would conduct investigation so I didn't need to. I assumed they would report to police as part of investigation. On XX/XX/XXXX, we received the form in the mail and faxed it back with supporting documents at a Chase bank branch. We kept calling Chase and visiting Chase branch but couldn't get any updates on the progress other than being advised to wait and call back later. On XXXX XXXX, XXXX, we received a letter from Chase, and they stated XXXX XXXX didn't respond, they would close the investigation and we should contact XXXX XXXX. We called/visited XXXX XXXX but they couldn't disclose any info and asked us to go back to Chase. We were advised to file a police report and a claim with US Postal Inspection Service. On XXXX XXXX, XXXX, we filed a XXXX report with Officer XXXX. XXXX / Unit XXXX ( Case # XXXX, Incident # : XXXX XXXX ), as well as an online claim with US Postal XXXX XXXX ( ref # XXXX ). Since then, we kept calling Chase and reached out to their branch manager. Chase said they would escalate internally so we should wait. But today on XX/XX/XXXX, Chase representative over the phone told us that our claim was declined by Chase and by XXXX XXXX. XXXX XXXX Deposit info at the back of the check : XXXX XXXX ATM XX/XX/XXXX XXXX PM XXXX XXXX XXXX MN XXXX XXXX : XXXX ATM Transaction Date : XX/XX/XXXX XXXX PM Deposit Amount : XXXX XXXX : XXXX Sequence Number : XXXX Customer DDA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PACIFIC SOUTHWEST NOTE FUND, LLC
State: CA

Complaint narrative:
I have been defrauded with an investment, along with 400 other investors, in California. A company named Pacific Private Money Inc. ( PPM ) located in XXXX, CA offered investments in several investment funds that primarily offered 'hard money ' or 'bridge loans ' to home buyers. Principals were/are XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PPM began business since XX/XX/year>. I, along with the other investors, were told on XXXX XXXX via an email from the CRO that most of the money we invested is 'gone ', the business has closed its doors, and a Chief Restructuring Officer was hired. We investors have no idea if any of our invested funds or interest/dividends earned will ever be returned/paid out. The FBI has opened an investigation, and the SEC is looking into this as well.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I signed on to my Chase auto loan XXXX on XX/XX/2026 to get a payoff letter with the full loan number. Two days later JPMorgan Chase debited my checking account for {$40000.00}. This was unauthorized and has caused extreme hardship as well as stress. I have called, emailed, filed complaints, etc to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, my XXXX account was hacked, and fraudulent transactions were used to purchase XXXX {$500.00} XXXX XXXX gift cards through XXXX. As soon as I became aware of the charges, I notified both institutions connected to the cards, XXXX and Capital One. XXXX is still investigating the {$1000.00} fraud on my account, but Capital One denied my fraud claim. I have spoken with Capital One customer service representatives and managers, and I also wrote to the President and CEO, XXXX XXXX XXXX. Capital One responded that it stands by its decision. When I asked how they reached that conclusion, I was told they are not required to send me anything. I dispute XXXX Ones determination. I did not authorize these transactions, I have never had a XXXX XXXX account, and I do not play online games. I am a XXXX retired XXXX XXXX and former XXXX XXXX, and I have no reason to submit a false fraud claim. I believe Capital One failed to conduct a fair and complete investigation and has refused to provide the basis for its decision. I am requesting that the CFPB review this matter and require Capital One to reopen the fraud claim, provide the evidence it relied upon, and correct the account if the denial was made in error.

Company response to consumer: Closed with explanation