vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Complaint Against Goldman Sachs regarding Apple Apple Card Fraud Dispute Handling To the Consumer Financial Protection Bureau, I am submitting this complaint regarding the handling of an unauthorized transaction dispute on my Apple Card account, issued by Goldman Sachs Bank USA. On XX/XX/year>, my Apple Card account was charged {$52.00} by the merchant XXXX for a transaction I did not authorize, initiate, or benefit from. Upon identifying the unauthorized charge, I promptly contacted Apple Card support and initiated a fraud dispute. Since reporting the fraudulent transaction, I have filed multiple dispute claims under the following case numbers : * XXXX * XXXX * XXXX Despite making these reports in good faith and clearly stating that the transaction was unauthorized, my dispute has now been denied three separate times. My concerns are as follows : 1. I have not been provided with sufficient evidence demonstrating that I authorized this transaction. 2. I have not received a meaningful explanation for why my dispute was denied. 3. I have not been provided transparency regarding the investigative methods used to evaluate my claim. 4. I am concerned that my dispute may not have been investigated thoroughly or in compliance with consumer protection requirements under the Fair Credit Billing Act. As a consumer, I understand that unauthorized credit card transactions are subject to specific protections under federal law, including the right to a fair investigation and a clear explanation of findings. In this case, I believe the dispute resolution process has lacked transparency, fairness, and adequate justification. I am requesting CFPB assistance in obtaining : A full and independent reinvestigation of the disputed transaction. Written documentation of the evidence used to deny my prior claims. A detailed explanation of Goldman Sachs investigative process and findings. Confirmation that my rights under applicable consumer protection laws have been fully honored. Reversal of the unauthorized charge if the investigation confirms that the transaction was fraudulent. Due to the repeated denials and the lack of transparency in resolving this matter, I am escalating this complaint to the Consumer Financial Protection Bureau for external review and accountability. Additionally, as a result of the loss of trust in the institutions fraud protection and dispute resolution process, I intend to close my Apple Card account once this matter is resolved. I am requesting that all further communication regarding this matter be provided in writing for documentation purposes. Thank you for your review and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am a XXXX PayPal account holder whose account was taken over by an unauthorized third party. The perpetrator successfully gained access to my account, changed my login credentials, transferred the account to PayPal XXXX ( an entirely different regional PayPal entity ), and enrolled an international phone number for two-factor authentication, locking me out of my own account entirely after one successful account access. This account is linked to my Social Security Number and previously linked banking information, making this a serious identity theft incident. I have already filed reports with the FTC via IdentityTheft.gov and with the FBI Internet Crime Complaint Center/IC3. I have frozen my credit with the three major bureaus. When I contacted PayPal US customer service to report the breach and request the account be immediately locked or frozen, the representative informed me that because the account had been transferred to PayPal XXXX, US customer service claimed they had no ability to take any action, including freezing or locking the account. The representative refused to escalate the call to a supervisor or a security specialist, and directed me to contact PayPal XXXX on my own during their business hours. This is a twelve hour time difference, and an international call which my cell phone plan does not support! PayPal allowed my account to be transferred to an entirely different country 's PayPal infrastructure without any verification, notification, or security confirmation to me with no email, no text, no call. This represents a catastrophic failure of PayPal 's own security and verification protocols. I expect a response and concrete action, not a referral to a foreign customer service line. The email associated with the account is my XXXX address from years ago, an I still have access to the XXXX account - XXXX Original phone number associated with the account is XXXX I have attached screen shots of the account with the name and address associated with it currently. I was able to log in once, using my original phone number. Now when I try to log in, it is pushing the two factor to " XXXX XXXX '' on the international phone line I of course do not have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: GA

Complaint narrative:
Subject : Failure to Apply Payments and Breach of FHA Loan Modification Agreement. Servicer : XXXX XXXX XXXXLoanCare LLC I am filing this complaint to compel XXXX/LoanCare to honor a finalized FHA Loan Modification and correct severe credit reporting errors that are preventing me and my husband from purchasing a new home. In XX/XX/XXXX, my previous servicer, XXXX XXXX, approved us for a permanent FHA-HAMP modification with a monthly payment of {$3100.00} beginning XX/XX/XXXX. We successfully made three consecutive modified payments of {$3100.00}. We maintained a 100 % on-time payment history under the modification terms for 18 months. When the loan was transferred to LoanCare in XX/XX/XXXX, we continued making payments as instructed. LoanCare eventually reaffirmed the modification in a signed and notarized agreement dated XX/XX/XXXX. This agreement updated out total monthly payment of {$3100.00}, which we paid faithfully every month since XX/XX/XXXX. Despise 18 months of performance, LoanCare has failed to book the modification. My XX/XX/XXXX statement proves : - Misapplied Funds : LoanCare is holding {$41000.00} in an Unapplied/Suspense account. This represents over 18 months of payments that LoanCare has refused to credit toward our principal and interest. - Inaccurate Reporting : They are reporting the loan as 531 days delinquent. This is mathematically impossible. The delinquency was contractually resolved and capitalized into the new principal balance of {$490000.00} over a year ago. - Failure to Respond : I sent a certified dispute letter which LoanCare acknowledged on XX/XX/XXXX. They have failed to provide a substantive response or correct the account, violating RESPA error resolution procedures ( 12 CFR 1024.35 ) - Actual Damages : These errors have caused a false delinquency to appear on our credit profile, directly preventing us from securing financing for a new construction home.

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 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
I've been making extra payments on my account every month now since XXXX of XXXX to XXXX XXXX XXXX. I have an installment plan with them for my XXXX XXXX XXXX XXXX XXXX. I have called in multiple times asking for my extra payments to go towards my principle balance. Instead, they keep pushing out my next payment due date and charging me interest on every single payment I make even when I make 2 or 3 payments in one month. By them doing this, it assures that they collect interest from the entire amount instead of only collecting interest for the correct amount of time which the loan is actually loaned out. I need help to get them to understand that I want all of my extra payments to go towards principle and I don't want extra payments to be charged interest. I'm only supposed to pay interest on the normal monthly payment which I have made every single month. I have called them multiple times about this and each agent says that it will count towards principle but I'm still being charged interest as well and I don't see if counting towards principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
Around XX/XX/XXXX, a fraudster and hacker used my email, address and probably my Social Security number to set up a new bank account at one of the Huntington Bank branches in XXXX, Ohio. The hacker then fraudulently electronically transferred funds from my personal account with XXXX XXXX to the new account at Huntington Bank. XXXX XXXX said the electronic transfers had been made to the XXXX XXXX branch of Huntington Bank in XXXX, Ohio. Around XX/XX/XXXX, I talked with a Huntington Fraud Department person named XXXX XXXX XXXX, Michigan and told him about the illegal account and he said the account would be closed immediately and I would receive a confirming notice in the mail which I never received. Since then I received an email from Huntington asking me to complete the account setup by requesting a debit card and downloading the mobile app and then I received a monthly statement dated XX/XX/XXXX so the account has not been closed. The statement says the account number ends in -- XXXX. I do not know the full account number. I called the Huntington fraud phone number and was disconnected twice after waiting on hold for over thirty minutes. On a third attempt, I did manage to talk to one foreign based individual who claimed to be a fraud employee but would give no information and said he would file a report, I asked for an email with a reference or claim number and he said he could not send emails or give reference numbers, but would file a report. Goodbye. No help there. I sent an email to XXXX on XX/XX/XXXX and received an automated reply the same day with no reference number or information and no emails since. I sent two more emails asking for status and received no reply. This account needs to be closed now. It was illegally setup by a hacker and used in a fraudulent bank transfer and no one in Huntington Bank seems to care. I live in XXXX XXXX, Texas and had never even heard of Huntington Bank until this event occurred. I just want this account closed immediately before more illegal activates occur on this account. I would think Huntington Bank would want it closed immediately as well. I hope CFPB will be more successful than I have been in getting a meaningful response from Huntington Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Company name : Chase Bank Account type : Business checking ( XXXX XXXX XXXX XXXX XXXX ) What happened : I am filing a complaint regarding three checks drawn from my business account ( XXXX XXXX XXXX XXXX XXXX ) that were wrongfully negotiated without proper endorsement. Check details : * Check No. XXXX {$10000.00} * Check No. XXXX {$10000.00} * Check No. XXXX {$10000.00} * Issue Date : XX/XX/year> * Payee : XXXX XXXX XXXX These checks were deposited and paid without the endorsement of the named payee, which constitutes an unauthorized negotiation and a violation of standard banking procedures and obligations under the Uniform Commercial Code ( UCC ). I have attempted to resolve this matter directly with Chase Bank for an extended period, but no resolution has been provided. What I want : * Immediate reimbursement of {$31000.00} * Copies of the front and back of all three checks * Explanation of how the checks were processed without proper endorsement * Identification of the bank that accepted/deposited the checks This situation represents negligence and failure to follow required verification procedures. I request prompt investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am requesting that Exeter Finance immediately locate and apply the {$13000.00} insurance payment issued by XXXX, along with the XXXX and warranty payments already made, and correct my account balance to {$0.00}. I also request removal of any inaccurate negative reporting, including repossession status, and correction of my credit reporting to reflect a paid/closed account. Additionally, I request written confirmation once the account has been fully corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Complaint to CFPB Inaccurate and Misleading Auto Loan Reporting I am filing a formal complaint regarding inaccurate, inconsistent, and misleading credit reporting by Santander XX/XX/XXXX as reported on my consumer credit file with XX/XX/XXXX. The account in question is an auto loan with an original vehicle amount of {$28000.00}. The account is currently being reported as a charge-off dated XX/XX/year>, however the information being reported is internally inconsistent and inaccurate. The tradeline reflects contradictory terms including : - Payment received : {$0.00} - Monthly payment : {$0.00} for 72 months - Charge-off status reported despite showing XXXX payment obligation and no meaningful payment structure This reporting is misleading and does not accurately reflect the true history, terms, or status of the account. A {$0.00} payment structure for a 72-month term combined with a charge-off notation and XXXX payment history creates a false and confusing representation that does not align with any valid or accurate credit agreement reporting. This information is significantly damaging my credit profile and is reducing my credit score unfairly. It also creates a false impression of defaulted or delinquent credit behavior that is not properly supported by consistent or verifiable account data. Under the Fair Credit Reporting Act ( FCRA ), all furnishers of information are required to ensure that information reported to consumer reporting agencies is complete, accurate, and not misleading in context. Reporting contradictory account terms and statuses violates the requirement for accurate and reliable credit reporting. I have attempted to understand and resolve this issue but have not been provided clear documentation explaining the charge-off classification or how the reported payment structure is valid. # # # Requested Resolution : 1. Full investigation into the reporting of this account by Santander XX/XX/XXXX. 2. Verification and correction of all account data, including : - Original loan terms and contract - Payment history and ledger - Charge-off date and justification ( XX/XX/year> ) - Accurate monthly payment amount and term structure 3. Correction or removal of inconsistent data showing {$0.00} payment obligation for 72 months. 4. Correction of the account status to accurately reflect its true condition. 5. Deletion of inaccurate charge-off reporting if it can not be fully verified as accurate and complete. 6. Updates to all consumer reporting agencies : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 7. Written confirmation of the investigation results and corrective actions taken. This reporting is inconsistent, misleading, and materially harmful to my credit profile. I request prompt correction and full compliance with federal credit reporting standards. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I disputed an alleged debt with Resurgent Capital Services on XX/XX/year> in the amount of {$2000.00}. On XX/XX/year>, Resurgent Capital Services furnished a negative tradeline to XXXX despite the unresolved dispute and without providing competent validation of the debt. The documentation provided does not establish ownership, amount, or enforceability. I request investigation, deletion of the tradeline, and cessation of collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Global Lending Services LLC
State: TX

Complaint narrative:
Dear Global Lending Services Team, I am writing regarding my auto loan and the recent repossession of my vehicle ( XXXX XXXX XXXX ). I fell behind on my payments due to a significant and unexpected hardship. During this same period, I experienced the passing of my father, and my child is currently hospitalized. We have been spending nights at the hospital, which has limited my ability to consistently access my phone and communicate in the usual ways. I would also like to note that I have been a customer since XXXX and have consistently made payments over the life of this loan. I am now within approximately the final 10 months of repayment. This situation is not reflective of my overall payment history, but rather a short-term hardship due to the circumstances described above. I remain committed to fulfilling my obligation and completing this loan. Despite these circumstances, I made multiple good-faith efforts to stay current and resolve the situation. Because I did not always have access to my phone, I attempted to make payments through the XXXX online portal. On one occasion, I completed a {$400.00} payment through the system. The portal allowed me to go through the full payment process and displayed a confirmation screen, making it appear that the payment had successfully processed. However, I later realized that no reference number was provided, and the payment does not appear to have been applied. I have screenshots of this for reference. This was confusing and concerning, as there was no error message or indication that the payment had failed. From my perspective, the system behaved as though the payment had gone through successfully. In addition, I reached out twice through the online portal to try to address the situation, given my limited ability to take calls during this time. I did not receive a response to those outreach attempts. At the time of repossession, my past due balance was approximately {$1700.00}. I have recently made a {$500.00} payment toward resolving the past due balance. I want to be clear that I am not refusing to pay. I am actively trying to reinstate my loan and recover my vehicle. I need this vehicle to see my child and get home to visit my other children. I am requesting a reasonable review of my account given the documented hardship, my long history, and the circumstances described above. Specifically, I am requesting : * A review and potential reduction of late fees * A clear and accurate reinstatement amount * Consideration of a short-term arrangement to allow me to reinstate the loan I am making a good-faith effort to resolve this and keep my vehicle, and I am asking for a fair opportunity to do so. Thank you for your time and consideration. I would appreciate a prompt response so I can move forward with resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I signed up for the 3 month program through the company XXXX. I received my medication but it was warm when I received it and therefore harmful to take. I reached out to the company and they refused to refund it. I then disputed the charge through my credit card company, XXXX. They said they found the transaction to be valid and wouldnt remove the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am filing a complaint regarding Midland Credit Management for reporting an account that is fraudulent and does not belong to me. The account number is XXXX, allegedly originating from XXXX XXXX XXXX XXXX XXXX Credit Card ), with an original account ending in XXXX. I did not open, authorize, or benefit from this account. This is an unauthorized account and a result of fraud or identity error. I have formally disputed this account with the credit bureaus and directly with Midland Credit Management, requesting proper validation, including documentation bearing my signature and full account records. To date, no competent evidence has been provided. Despite this, the account continues to be reported on my credit file, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting the following resolution : - Immediate deletion of this account from all credit reporting agencies- A full investigation into Midland Credit Managements reporting practices - Written confirmation that this account has been removed If this matter is not resolved promptly, I am prepared to pursue further legal action. This is a formal record of my complaint and request for enforcement. XXXX XXXX

Company response to consumer: Closed with explanation