vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: E Mortgage Capital, Inc.
State: TX

Complaint narrative:
I am writing to share my experience as a U.S. military veteran who attempted to use my VA home loan benefits through EMortgage Capital, located in XXXX XXXX, California, and has been left in an unresolved, financially damaging situation despite extensive efforts to resolve the matter internally. 

Beginning in XXXX, I entered into a VA XXXX refinance process with EMortgage Capital. I complied with every requirement placed on me, was issued a clear to close, and signed all closing documents in good faith. Despite this, the loan was not funded on time due to internal failures on the lenders side. 

Following the failure to fund, I was informed that as a result of the companys internal issues : I would no longer be able to skip XXXX mortgage payments, My locked interest rate would no longer be honored, and I would be required to restart the entire refinance process from the beginning. 

These consequences occurred despite the fact that I fulfilled all obligations on my end and relied on the lenders representations in good faith. This has caused financial hardship, prolonged uncertainty, and significant frustration, particularly as a veteran attempting to responsibly use earned VA benefits. 

Since the funding failure, I have made numerous documented attempts to resolve this matter directly with the company. I reached out repeatedly via email, requested updates, and was eventually told that my file had been escalated to executive leadership and designated as a high priority. I was assured multiple times that the company was committed to making this right and that active efforts were underway. 

Despite these assurances, there has been no meaningful movement, no substantive update, no clear explanation of corrective actions taken, and no timeline for resolution. The responses I received were repeatedly vague, duplicative, and did not reflect any actual progress. After weeks of follow-up and continued silence, it became clear that the company was either unwilling or unable to correct its own failure, despite acknowledging fault. 

I made every reasonable effort to allow EMortgage Capital the opportunity to resolve this internally and professionally. Unfortunately, those efforts were met with false assurances, XXXX urgency, and a continued lack of accountability. 

I am sharing this experience in the interest of transparency and accountability, and to help ensure other veterans are not subjected to similar treatment when attempting to use their VA benefits. I am prepared to provide written correspondence, timelines, and supporting documentation upon request. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of a charge-off account currently appearing on my consumer credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681c ( a ) ( 4 ), accounts placed for collection or charged to profit and loss may not be reported beyond XXXX ( XXXX ) years. Additionally, 15 U.S.C. 1681c ( c ) ( 1 ) requires that this reporting period be calculated from the date of XXXX delinquency that led to the charge-off and was never brought current. 

Based on my records, this account has exceeded the allowable reporting period, or the Date of XXXX  Delinquency is being reported inaccurately. As such, the continued reporting of this charge-off is obsolete and noncompliant with the FCRA. 

Please investigate this matter and either : Delete the account from my credit file, or Correct the reporting to reflect the accurate Date of XXXX  Delinquency in compliance with federal law. 

If the furnisher can not verify the accuracy of this information as required by the FCRA, the account must be removed. 

Thank you for your prompt attention to this matter. Please provide written confirmation of your investigation results.

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 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
Subject : Complaint Regarding Wrongful Repossession and Violations of 15 USC 1692f Dear CFPB Team, I am writing to formally file a complaint concerning a wrongful vehicle repossession and multiple violations of the Fair Debt Collection Practices Act ( 15 USC 1692f ). 

On XX/XX/XXXX, I was contacted by a representative named XXXX, who informed me that my account was under investigation. However, despite that initial contact, I have not heard back from her since then, and the investigation has not been completed or communicated to me. 
As I previously mentioned, my vehicle was wrongfully repossessed on XX/XX/XXXX without any prior notification, and the company failed to notify me about the auction or apply the proceeds appropriately. They have also reported inaccurate information to the credit bureaus, causing me financial and emotional distress. In light of these violations, including the lack of follow-through on the promised investigation. 

I called in XX/XX/year> at XXXX I received an email stating the issues couldn't be discussed for security reasons by email, so I called and spoke to a representative by the name of XXXX who said that XXXX was out of the office and that he would leave a message and hoped that she would reached out to me upon her returning to the office. 
It seems as though they have no intention of resolving the problem and they are breaking laws without consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: MN

Complaint narrative:
We bought a XXXX XXXX XXXX on XX/XX/XXXX, according to the sales contract. We financed through Honda XXXX Services. 

We had hoped to have paid off the car on XX/XX/XXXX by sending them {$3000.00}. Instead, when I checked the account the next day, the balance was not XXXX, but showed the same balance but with interest growing. So I figured that due to the holidays, the bank process hasnt gone through, so I paid them {$5.00} to cover the interest until Friday, a business day. 

But on XX/XX/XXXX, only the payment we made on XX/XX/XXXX ( {$2900.00} ) and the {$5.00} posted. The $ XXXX was not included. I checked the transaction history and the $ XXXX was missing. I thought maybe there was a glitch and it didn't go through. So I made another payment, the payoff amount of {$2900.00} on XX/XX/XXXX. 

On Monday, XX/XX/XXXX, my bank showed that Honda took not only the payments made on XX/XX/XXXX ( {$2900.00} ), XX/XX/XXXX ( {$5.00} ) AND ( $ XXXX ), they tried to take the overpayment of {$2900.00} from XX/XX/XXXX! 

I never would have made the overpayment of {$2900.00} if they listed the $ XXXX in the transaction history. I dont have that extra money in my account, so my bank rejected the {$2900.00} as I dont have that amount in my checking account. 

I immediately visited my Honda account and it still does not list the $ XXXX. My account is at XXXX with a note saying that the loan is paid off. 

I called Honda XXXX Services to complain ( XXXX ) at XXXX XXXX  CST on XX/XX/XXXX, and they told me that they were keeping the $ XXXX for review. WHAT?! Why? To keep being able to charge me interest when the account should have been paid off? How long were they going to hold my money for review and not mark my account as paid off? 

I talked with them for XXXX minutes trying to get them to understand that they need to cancel the overpayment of {$2900.00} and post that $ XXXX to my account. ( I should have also asked for a refund on the interest, but was too upset to ask ). 

The Honda employee claimed that they can not cancel the {$2900.00} until my bank tells them that the payment was rejected and they will only post the $ XXXX to my account once that happens. 

I hung up on them. ( My child needed me to take care of a few things after that ). I then called my bank at XXXX XXXX  and spoke to them for XXXX minutes, complaining Hondas fraudulent actions. They told me that they dont issue letters of rejection but can block both the payment and Honda from accessing my account, but unfortunately, it doesnt always work. 

I am EXTREMELY concerned. My paycheck is arriving soon and if that overpayment of {$2900.00} is taken out from my payment, I have no idea how Im going to pay the mortgage and other bills in XXXX. This will ruin me. If Honda takes the overpayment, how soon will they keep it and refund me? Usually, companies issue refunds in XXXX weeks. I cant wait that long. My bills cant wait that long.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood is closing my account without any sort of explanation after I was the victim of fraud and money was taken from my account. On XXXX or around XXXX XXXX I had deposited {$5000.00} into my account that I planned on using to spend since I am traveling for vacation. Because I was flying from the US to XXXX, they flight took about 2 days with layovers. When I landed on the XXXX I noticed the money was missing. I prompt contacted Robinhood customer service and explained the situation. Someone had access to my account and was able to withdrawal the funds by adding an account not belonging to me. This was reported immediately and I spent servers hours talking with chat support agents in the app which they now wont even let me contact anyone through, as well as spoke to several agents over the phone. There customer service number does not allow you to speak to anyone and now because they are closing my account I cant contact anyone through customer support at all and they wont respond to email. I was originally being told they are going to conduct an investigation but never once received any update or any resolution and my funds were still missing and they refused to provide me with a credit while an the investigation was on going. I havent gotten any update from them and then just a few days ago when I go into the app it says they have restricted my account and are now closing it. There was a remaining balance of {$61.00} that I tried withdrawing but wasnt allowed to because of restrictions and their app wont let contact support. Today the remaining balance is now missing and now I have nothing, and there is no explanation for it. I want all funds returned to immediately as no proper investigation took place when I reported fraud and now my account has been closed without any reason or justification. I have contacted them repeatedly over the last month and they continue to close the cases without addressing anything or contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: OR

Complaint narrative:
I have been with Paypal for over XXXX years. I have always used the Paypal in an acceptable and responsible manner. I went to log in yesterday to find out that my account was permanently limited. I am not able to use Paypal anymore. They are holding over {$1300.00} of my money for 120 days. I would like my account restored so that I can continue to use it. I need access to the funds as soon as possible. I have not done anything wrong, so this is very upsetting to me and my family. I have called Paypal a few times to try to resolve this, and they will not give my any information. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
My car insurance policy with XXXX was a 6 month policy paid in full at time of purchase and was expiring on XX/XX/XXXX. I did not want to renew and did not have auto renewal payment on file. I found a new insurance policy with XXXX ( different company ) to begin on XX/XX/XXXX, and told my agent I was not intending on renewing with XXXX. I purchased new 6 month car insurance policy from different company, and paid them in full, to start the day my policy with XXXX ended and had no lapse in insurance. I received a letter from XXXX dated XX/XX/XXXX that my coverage ended on XX/XX/XXXX. That should have been the end of my business or amounts due to XXXX. Insurance. But then I received a letter a week later dated XX/XX/XXXX from XXXX that they were canceling my policy on XX/XX/XXXX. I immediately called XXXX, on XX/XX/XXXX ( have phone records ) when letter came in the mail, to talk to them about the error. The representative from XXXX confirmed it was an administrative error and said I could ignore any bills for amount due because she would fix the mistake and should be cleared in XXXX business days. On XX/XX/XXXX I received a letter from Credit Collection Services for {$280.00} reported from XXXX insurance. I disputed the amount as I had already spoke to SafeCo about the issue and sent all my records and information certified mail for the dispute. The credit collection agency sent me a letter back with the account history from XXXX that my insurance was reinstated after XX/XX/XXXX and then canceled again on XX/XX/XXXX. This is false and deceptive practices, I in fact NEVER asked for my insurance to be reinstated in any way and when I talked to the XXXX representative on XX/XX/XXXX she confirmed it was an error and she did not know why it was in the system that way. This conversation happened after the dates they are trying to charge for and I have text messages with my agent about the fact that I did not intend to renew with XXXX dated XX/XX/XXXX. I do not owe XXXX any amount, and I settled that with them on the phone, but they still sent to collections and now the collections amount that I disputed via certified mail on XX/XX/XXXX ( within time frame as noted on collection letter ) with all information as noted above, is still reporting this to credit agencies as a debt unpaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
A CB/VICSCRT collection account in the amount of ( XXXX XXXX  ) is being reported more than once on my consumer credit report. 

This is a duplicate account. It is the same debt being furnished multiple times, which is inflating my balances, increasing my utilization, damaging my credit score, and misrepresenting the true status of my credit file.

I do not owe multiple ( XXXX XXXX XXXX ) collection accounts. This is one alleged debt that is being reported as more than one tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
In 2021, I entered into a financed solar agreement arranged by the installer ( XXXX XXXX ) and the lender ( GoodLeap ). The system was marketed as providing significant energy offset such that my electric bill would be minimal and largely limited to a grid connection fee. 
After installation, my electric bills remained high while I also incurred a monthly solar loan payment. The combined cost of the loan and utility bills is higher than my pre-solar electric costs. The system has not performed as represented, and expected savings were not realized. 
I contacted the installer, the sales company, the lender, and my utility multiple times requesting explanations of system performance, billing discrepancies, and resolution options. I did not receive a meaningful explanation or corrective action. 
XXXX XXXX later filed for bankruptcy, leaving no installer support. Despite this, the loan obligation remains in full, with interest accruing, for a system that has not delivered the promised financial benefit. 
I am seeking review of the loan and billing practices associated with this transaction, as the costs and outcomes materially differ from what was represented at the time of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Subject : Unlawful XXXX of Pre-Existing Assets to Cover Fraudulent Provisional Credit Incident Date : XX/XX/year> FBI Submission ID : XXXX Description of Events : I am a victim of an account takeover and identity theft attack that occurred on XX/XX/year>. An unauthorized XXXX party compromised my Coinbase account and initiated a fraudulent ACH transfer from my linked XXXX XXXX bank account. My bank correctly identified this transaction as fraud and stopped the transfer ( XXXX XXXX confirmed ). 

However, Coinbase negligently extended " provisional credit '' to the attacker instantly, allowing them to purchase and withdraw cryptocurrency before the funds had cleared. 

The Core Dispute ( Unlawful XXXX ) : When the fraudulent bank transfer failed ( because my bank stopped it ), Coinbase created a negative balance on my account. To satisfy this fraudulent debt, Coinbase effectively seized and liquidated approximately {$10000.00} of my pre-existing, long-term cryptocurrency holdings that were in the account prior to the attack. 

I am disputing this XXXX on XXXX grounds : Regulation E / Unauthorized Transfer : The debt itself was the result of an unauthorized extension of credit initiated by a hacker. I did not request these funds, nor did I benefit from them. 

Unfair Practice : It is an unfair practice to seize a consumer 's legitimate, pre-existing assets to cover a loss caused by the platform 's own failure to secure provisional funds. Coinbase assumed the risk by releasing funds before settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation
State: IL

Complaint narrative:
I am disputing an unauthorized charge associated with a loan account. 

On XX/XX/2025, I contacted Heights Finance regarding my account and spoke with representatives identified as XXXX and XXXX. During that call, I did not provide verbal, written, or recorded authorization for any electronic funds transfer. No disclosure was provided regarding a specific debit amount, debit date, or debit frequency. 

After that call, an electronic funds transfer was processed using stored card credentials retained by the company. I did not authorize this charge. 

On XX/XX/2025, I contacted Heights Finance again to dispute the charge. During that call, the representative XXXX asserted that the debit was based on alleged verbal authorization from the XX/XX/XXXX call. I disputed that assertion and requested information substantiating the authorization, such as documentation or a recording. The company did not provide the requested information. During this call, the representative spoke over me and raised his voice while reiterating the disputed authorization claim. 

The charge was routed through a debit card issued by XXXX XXXX. I reported the transaction to the card issuer as unauthorized and submitted a sworn affidavit of non-authorization. I also preserved contemporaneous audio documentation of the XX/XX/XXXX and XX/XX/XXXX calls. 

To preserve the timeline ahead of year-end closures, I issued a public news alert documenting the unauthorized charge dispute and the reported conduct at issue. 

The published record is available at : https : XXXX I am requesting review of the unauthorized charge and the companys post-transaction assertion of verbal authorization without providing substantiating information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: NY

Complaint narrative:
Product : Checking account Company : JPMorgan Chase Bank , N.A . 
What happened? 
I am filing a complaint regarding Chase Banks handling of billing-error disputes on my checking account. 
I made multiple online deposits with online casinos where I authorized a specific dollar amount ( for example, {$35.00} ). I received receipts from the merchant confirming the authorized amounts. 
However, when the transactions posted to my Chase checking account, the amounts charged were higher than what I authorized ( for example, {$37.00} instead of {$35.00} ). I did not receive the additional funds to gamble with, and the extra amounts were never disclosed or authorized. 
Additionally, the charges did not post under the name of the merchant I transacted with. Instead, they posted under third-party processor names that do not match the merchant receipts, making it impossible for me to reconcile the transactions. 
I submitted my receipts and bank statements to Chase showing : the amount I authorized, and the higher amount that posted to my account. 
Despite this evidence, Chase denied my disputes and held me responsible for nearly {$200.00} in overcharges. 
The merchants refused to provide processor names or corrected receipts, and Chase did not reasonably consider this lack of merchant cooperation when reviewing my Regulation E billing-error claims. 
I believe Chase improperly denied valid billing-error disputes involving incorrect transaction amounts and misleading merchant descriptors. 
What would you like the company to do? 
I would like Chase Bank to : Conduct a full and fair re-investigation of my Regulation E billing-error disputes Reverse or credit the unauthorized overcharged amounts Provide a clear written explanation of how charges higher than the authorized amounts were deemed valid Review their dispute-handling practices for transactions involving third-party payment processors Additional details ( optional but helpful ) : Chase already has all documentation related to my disputes, including receipts and account statements, which I previously submitted. I am requesting that Chase rely on its existing dispute file during this CFPB Review.

Company response to consumer: Closed with explanation