vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased money orders totaling {$1300.00} from a Western Union retail location. {$1000.00} was paid by card and {$300.00} in cash. On XX/XX/XXXX, I lost the money orders and contacted Western Union the same day. I received responses on XX/XX/year> ; however, the responses were generic and only listed standard document requirements without addressing my specific situation. I explained that I no longer had the original money order receipt and provided all available details about the transaction. On XX/XX/XXXX, I obtained a store receipt from the retailer and offered it as alternative proof of purchase. I also have a bank statement showing the {$1000.00} card transaction. Despite clearly explaining my situation and offering alternative documentation, Western Union did not provide guidance on how to proceed without the original receipt and did not review the documents I was able to provide. On XX/XX/XXXX, I followed up again and requested further assistance. Since then, I have sent additional follow-up messages and have received no response. I also attempted to contact Western Union by phone multiple times using their listed customer service numbers, but it was not possible to reach a live representative to explain my situation or receive help. This is a significant amount of money, and the lack of assistance and communication is causing financial stress. Western Union has failed to reasonably assist me, has not considered alternative proof of purchase, and has effectively stopped communicating after I explained my situation. I am requesting that Western Union review my case, accept the alternative proof of purchase, determine whether the money orders have been cashed, and issue the appropriate refund or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: U.S. BANCORP
State: SD

Complaint narrative:
I got a phone call from someone say they were US bank and they detected fraud on my account through cash app turns out it was a scam I saved all info took screenshots bank didnt even ask for my proof saying it was denied because it was on my phone and I explained that the caller said I had fraud on my account and they were walking me through steps to supposedly block this fraud on my cash app but they just took the money and wasn't even the bank that called.

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 2026-04-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Complaint against PayPal Debit Card Rewards Program Misleading and Deceptive Practices I would like to file a complaint regarding the PayPal Debit Card 5 % rewards program, which appears misleading and unfair to consumers. The program requires customers to manually select a rewards category every month in order to receive the advertised 5 % cash back. However, this requirement is not presented in a clear and consumer-friendly manner. According to PayPals own information, customers must actively choose a category each month or rewards will not apply. My concerns are : Forced monthly selection requirement Customers are required to re-select a reward category every month, even if they want the same category. The system does not allow a default or auto-renew option, which increases the likelihood that customers unintentionally lose rewards. Delayed notifications PayPal sends reminder notifications to select the category only after several days into the month. This delay may cause consumers to make purchases believing they are earning rewards when they are not. Rewards only apply after selection Even if the customer selects the category later in the month, rewards are only applied to purchases made after the selection date. Purchases made earlier in the same month are excluded, which is not clearly disclosed at the point of purchase. Consumer harm This structure appears designed in a way that many consumers will unintentionally miss rewards despite using the card for eligible purchases. This raises concerns about deceptive marketing and unfair business practices. I request review whether : The disclosures are clear and adequate The notification timing is fair to consumers The program structure is intentionally designed to reduce payout of advertised rewards Please investigate whether this program complies with consumer protection standards regarding transparency and fair disclosure. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
Dear Customer Advocate Services Team, I am writing in response to your recent letter regarding my account and the status of my Membership Rewards points. Following your instructions, I contacted American Express to redeem my Membership Rewards points within the stated timeframe. However, I was informed by your representatives that I am unable to redeem the points and that they have already been forfeited. This directly contradicts the guidance provided in your correspondence. Additionally, I have spent a significant amount of time on the phone with American Express attempting to resolve this issue. These repeated calls have resulted in lost time and wages, as I have had to step away from work without any resolution being provided. Given the circumstances, I am formally requesting the following : 1. A full transcript of all correspondence between myself and American Express related to this matter. 2. Copies of all call logs associated with my account. 3. Transcripts or recordings of all phone conversations, as I understand these calls are recorded. This information is critical for my records and for any further action I may need to take regarding this matter. I expect a prompt response and full transparency regarding my account history and communications. Follow up to case XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Dear Sir or Madam, I am writing to formally file a complaint against XXXX XXXX regarding a vehicle purchase that I believe involved deceptive and unfair business practices. Dealership Information : - Name XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX - Phone : XXXX Vehicle Information : - Make/Model : XXXX XXXX XXXX XXXX : XXXX - VIN : XXXX - Purchase Date : XX/XX/XXXX Details of the Complaint : On XX/XX/XXXX, I purchased the above-listed vehicle from Summit Trucks. During the transaction, I was informed that the vehicle had passed inspection, was in proper working condition, and was ready for reliable use. I was also told that the warranty being sold with the vehicle would fully cover any major engine or transmission issues. However, this representation proved to be false. The warranty provided did not actually cover the specific trim of the vehicle for engine or transmission failures. Based on my understanding, the dealership was aware of this limitation but still represented the warranty as comprehensive coverage. Approximately 2,000 miles after purchase, the vehicle suffered a catastrophic transmission failure, rendering it inoperable and requiring a full transmission replacement. Due to the lack of warranty coverage, I was left with the financial burden. As a result, the vehicle was eventually repossessed, and my credit score was negatively impacted by approximately XXXX points. Issues Identified : - Undisclosed or misrepresented mechanical condition of the vehicle - Misrepresentation of warranty coverage - Resulting financial damages, including repair costs, repossession, and credit impact I made multiple attempts to resolve this issue directly with the dealership, including numerous phone calls and in-person visits, which required significant time and expense ( including transportation costs and lost wages ). Despite these efforts, the dealership has not provided any resolution. Requested Resolution : I respectfully request assistance in resolving this matter, including consideration of : - Refund of money paid - Cancellation of the contract - Compensation for damages incurred as a result of the transaction I believe this situation may constitute violations of Utah consumer protection laws, and I respectfully request that your office investigate this matter. I am prepared to provide supporting documentation, including contracts, warranty agreements, repair estimates, and records of communication. Thank you for your time and consideration. I look forward to your response. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
I am filing this complaint because Current/XXXX XXXXXXXX XXXX XXXX XXXXXXXX inaccurate and misleading information on my credit report. XXXX is reporting this account as 30 days late for XX/XX/year> with only a {$1.00} past-due balance. That reporting is unreasonable, unsupported, and damaging. This was a prepaid credit-building product funded by my own money, not a traditional credit card with a normal monthly payment obligation. I was never given or agreed to any required monthly payment amount, and I had not used this account in months. Current/XXXX XXXX XXXX XXXX XXXXot be reporting me delinquent without proving a valid billing statement, payment due date, contractual payment obligation, and actual delinquency. Reporting a XXXX late payment under these circumstances has unfairly damaged my XXXX XXXX. I dispute the accuracy of this tradeline and demand that the company provide the signed agreement, billing records, due date, transaction history, and proof of how this alleged delinquency occurred. If they can not fully substantiate this reporting, they should immediately delete or correct the late payment and past-due balance with all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Choice Mtg INC.
State: OK

Complaint narrative:
He discriminated against me because I'm on social security XXXX. He insulted me and did not even check my credit report. I have decent credit and he didn't even check it. Said that he wouldn't loan me money because of my XXXX. He insulted me - condescending XXXX didn't even check my credit. Just said he wasn't gon na loan me money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIRST HORIZON BANK
State: AR

Complaint narrative:
On XX/XX/XXXX I noticed my business acct at First Horizon Bank XXXX XXXX, Ar had several fraud charges. I went to the bank and filed a written statement of unauthorized debit Transactions totaling {$85000.00}. The bank returned all but {$14000.00}. When I inquired about the three transactions, I was told {$170.00} And {$5600.00} were not within the time frame to return or be credited back to my acct. After several calls to the bank I later was told {$9000.00}. Was not going to be credited back either, because I only had 24hrs to dispute the charge! I have had this account at this bank since XXXX. I have tried on several attempts to at least get the {$9000.00} refunded but the representative continued to tell me she was working with her regional manager. At one point she told me the bank was going to refund {$4500.00}. But I truly felt I should be refunded the full {$9000.00} since I assumed responsibility for {$5800.00}. After 15 calls and 2 months of trying to resolve the issue, the rep. Told me they had decided they were not going to refund any of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: TX

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX : Frost-Arnett Company XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX Reference Number : XXXX Type of Complaint : Debt Collection / FDCPA Violation Complaint Details : I am submitting a formal complaint regarding Frost-Arnett Companys handling of an alleged debt. On XX/XX/year>, I sent a written and online dispute regarding this alleged debt. Despite my timely dispute, Frost-Arnett Company continued sending collection notices without providing any validation of the debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). On XX/XX/year>, I sent a second formal dispute letter to Frost-Arnett Company demanding : Full validation of the debt, including itemized charges, billing codes, and proof of financial responsibility. Immediate cessation of all collection activity until proper validation is provided. Confirmation that this account has not been and will not be reported to any credit bureau without proper validation. Despite this, I have received additional collection notices. This represents a continuing violation of federal law, and I am concerned that the company may also report this debt to credit bureaus without proper validation. I am requesting that the CFPB : Investigate this potential FDCPA violation. Ensure that Frost-Arnett Company ceases all collection activity until the debt is validated. Stop any improper reporting to credit bureaus. Take appropriate regulatory or enforcement action to prevent further violations. Attachments ( if available ) : Copy of XX/XX/year> dispute letter Copy of XX/XX/year> second dispute letter Copies of collection notices received after XX/XX/year> Thank you for your attention to this matter. I request a prompt investigation and formal response from Frost-Arnett Company and the CFPB. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting a complaint regarding a deferred interest charge applied to my account through Synchrony Bank in connection with a purchase from Living Spaces. At the time of purchase ( around XX/XX/year> ), I was explicitly told by the salesperson that this was 0 % interest for 60 months. Based on this, I understood the financing to be a long-term, no-interest payment plan. At no point was it clearly explained to me that this was actually an 18-month deferred interest promotion that could result in retroactive interest being charged from the original purchase date if not paid in full. This distinction is critical. A 60-month financing plan and a short-term deferred interest promotion are fundamentally different financial products with very different risks. The statement 0 % for 60 months is materially misleading. I would not have agreed to this purchase under an 18-month deferred interest structure. Recently, I was charged approximately {$2600.00} in deferred interest in a single posting. Additionally, the order had multiple complications : * The original purchase amount was approximately {$7000.00}, but items were returned, reducing the balance to approximately {$5200.00} * Some items were delivered damaged and had to be replaced * Final delivery occurred significantly later than the original purchase date As a result, the promotional period ran during a time when I did not have full possession or use of the purchased items. I contacted both Synchrony Bank and Living Spaces to request a review. I was told that I signed the contract and was responsible, and Living Spaces stated they do not know what was communicated in-store. Neither party addressed the concern that the financing terms may have been misrepresented at the point of sale. I believe the financing terms were misrepresented, particularly through the statement 0 % for 60 months, which is inconsistent with the deferred interest structure applied to my account. I am requesting : * A full review of how this financing was presented at the point of sale * A recalculation or verification of the deferred interest based on the adjusted balance after returns * A goodwill reversal or significant reduction of the deferred interest charge I am seeking a fair resolution based on the misleading description of the financing terms, the changes to the order, and the lack of investigation when this issue was raised.

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 monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — FHA 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: LoanCare, LLC
State: CA

Complaint narrative:
I called LoanCare a few weeks before my forbearance date was over on XX/XX/year>. They gave me a trial loan modification of {$4000.00} starting XX/XX/year> and told me I am to start the payment only then. However they put a negative notice on my XXXX XXXX of being late over 90 days plus on XX/XX/year>. That isnt right. I contact via phone that same week which was told to me I could have negative reporting during forbearance. I was following their instructions. I sent a letter via email and mail saying they didnt ask for documentation and they need to not foreclose. This was XX/XX/year> titled Notice of Errors letting LoanCare know the didnt follow the XX/XX/year> FHA XXXX guidelines. I happen to look on the website at my portal the following week and there was a survey asking if I can afford {$7000.00} per month for 6 months to which I responded no. There wasnt anything in writing sent to me and no record of this questionnaire and my response to it. XX/XX/year> I contacted FHA to let them know what LoanCare was doing and submitted a complaint against them for not following guidelines. FHA sent me a letter on XX/XX/year> with information on all options that LoanCare should try to assist me without going into forclosure. I sent another letter XX/XX/year> requesting to have loan modification redone. I havent heard back. I also have contacted XXXX sent in my information and now I have a XXXX who told me to call LoanCare and request a loan modification using documentation.

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 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On or around XX/XX/year>, I was the victim of a job-related scam and was manipulated under false pretenses into sending {$2000.00} through my account. The scammer falsely claimed that payment was required in order to complete a job-related process, which led me to believe the transaction was legitimate and necessary. The funds were sent as part of this scheme and ultimately converted into XXXX, making the transaction irreversible. At the time, I was relying on the information provided by the scammer, which I later discovered was entirely fraudulent. Immediately after realizing I had been deceived, I reported the incident to my bank and filed a claim the same day. However, my claim was incorrectly categorized as a transaction was canceled dispute rather than being handled as fraud. After reviewing the claim, the bank denied it, stating that no error occurred, without properly considering that the transaction was authorized under deception as part of a scam. I contacted the bank again to request a reinvestigation and to have the claim reclassified as fraud, but I was informed that the case could not be reopened. This transaction was not a legitimate or intended payment, but rather the result of fraud. My authorization was obtained through misleading and false information, and I believe the bank failed to properly investigate this as a fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Harley Davidson Financial Services Inc
State: VA

Complaint narrative:
I am filing a complaint regarding the wrongful repossession of my vehicle, a XXXX Harley-Davidson XXXX , financed through Harley-Davidson Financial Services . The repossession occurred without any prior notice. I did not receive any written communication, mail, or warning informing me of a default or impending repossession. Additionally, my account was locked and inaccessible, which prevented me from making a payment or resolving any issue. I made multiple attempts to contact the company ( at least four phone calls ) in order to regain access and bring the account current. Despite these good faith efforts, I was unable to obtain assistance or resolve the issue. As a result, I was denied a fair opportunity to cure any alleged default before the vehicle was repossessed. I believe this repossession was improper and unfair due to : Lack of required notice Account access being blocked Failure of the company to assist despite repeated contact attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ratchford Law Group, P.C.
State: CT

Complaint narrative:
I am filing a complaint regarding a collection account that has been reported under my name, which I do not recognize and have no knowledge of. This alleged debt is unverified and does not belong to me, yet I have been subjected to repeated and aggressive communications across multiple channels, including threats of legal action. This situation is unacceptable, violates my rights as a consumer, and has caused significant emotional distress, including ongoing anxiety and sleepless nights.

Company response to consumer: Closed with explanation