vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I noticed an unrecognized charge on my debit card for {$75.00} and I reported and made a claim with Chase and XXXX but they refuted it because they didn't detect fraud - when I said I didn't approve. I decided to escalate this.

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: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I am requesting that my CFPB complaint against GoodLeap LLC be reopened or supplemented due to new material developments that occurred after the companys initial response and closure of the case. 



Since the complaint was closed, GoodLeap has provided a proposed settlement release and related contract language that contains misleading, overbroad, and one-sided terms that do not accurately reflect the representations previously made to me regarding resolution of this matter. Specifically, the proposed agreement includes provisions that would require me to waive rights and accept obligations that are inconsistent with the fact that the solar system was never placed into service and never produced electricity. 



Additionally, GoodLeap has continued to stall and delay completion of the settlement release process. I provided a revised release for their evaluation in good faith, yet despite the passage of time, GoodLeap has failed to finalize or meaningfully respond, leaving the lien, loan reporting, and associated harm unresolved.

These actions constitute ongoing conduct, not a resolved issue. The continued delay, coupled with the presentation of misleading contractual terms, has prolonged financial and credit harm and undermines the purpose of the proposed settlement.

I am submitting this update to ensure the CFPB record accurately reflects that : The matter has not been resolved ; GoodLeaps proposed settlement documentation does not align with prior assurances ; The company continues to delay resolution while the loan and lien remain active.

I respectfully request that this complaint be reopened or that this supplemental information be added to the official record for further review.

Thank you for your attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, I attempted to use an American Express gift card with a {$200.00} balance at an online retailer that accepts American Express. The transaction was declined. 

I contacted American Express customer service for assistance and spoke with a representative named XXXX. She initially investigated the issue and offered to issue a refund, stating that a check for the {$200.00} balance would be mailed to me. She then reversed this position, stating that she could not process a refund and that there was nothing wrong with the card. 

I explained that the card would not work at the merchant I intended to use, despite the merchant accepting American Express. I asked for a resolution since the funds on the card are unusable. The representative advised me to try a different merchant. I stated that this is not an acceptable solution, as I am entitled to use the funds at the merchant of my choosing, provided they accept American Express. 

I also informed the representative that I previously had another American Express gift card that similarly did not work at multiple online merchants, which ultimately forced me to purchase a separate XXXX gift card simply to access the funds. I do not want to be forced to convert this card into another gift card due to American Expresss inability to make their product function as advertised. 

At this point, I have {$200.00} in funds that I am unable to use despite repeated attempts and contacting customer service. American Express has not provided a viable solution or refund. I am requesting reimbursement of the {$200.00} balance on this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Please email or mail me a debt validation letter with the original contract with my signature on it and also send the assignment contract. This debt is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I applied for an AMEX card on XXXX XXXX and on XXXX XXXX my son and daughter received a phone call from AMEX asking to speak to me in reference to my AMEX application. I also received a phone call on the same day but didn't answer or return the call because I assumed it was fradulent. 

Later that evening I called AMEX customer service to report these phone calls, because I didn't believe they were legitimate. After speaking with customer service I was informed it was actually AMEX that had called my children. They informed my their " sources '' tagged my application because it had some " issues ''. They would not share with me the issues with the application. Because of the " issues '' they decided to call my children. I am not sure how this would prevent fraud. I received no prior phone calls or emails from AMEX regarding this " issue ''. I feel like this violation of my privacy, and by contacting my children instead of myself in no way shape or form is way to prevent " fraud ''. I actually think this would promote fraud, because you are attempting to contact everyone except the applicant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Home Lend Me CD charged me {$500.00} to start the mortgage process. However the seller sold the property to another buyer and my deal fell apart. Chase was supposed to return me the money as we did not do the mortage application. I waited and the agent was on vacation not responding to my calls. I made dispute with my chase credit card. Once the agent came back from vacation he was unable to release the payment due to my dispute. The dispute with chase failed they recharged on my credit card for a service they did not fulfill. No other mortgage company take that {$500.00} deposit so far i have worked with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received an email that my account with PayPal had been terminated. There was no recourse given for this and there was no warning for it. When I contacted customer service for more information they told me the decision was final and there was nothing I could do. I asked for the reason and they gave me no information. They didn't specify because of a transaction or behavior of the account, just an account termination message. I have been using this account for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I refinanced a XXXX XXXX XXXX XXXX Santander Consumer USA Inc . The refinance was completed specifically to remove a second owner from the vehicle, so that the vehicle would be titled solely in my name and so that I would not remain exposed to liability associated with a co-owner. 
The vehicle returned to my possession in or around XX/XX/XXXX. By XX/XX/XXXX at the latest, I should have been able to complete title transfer and registration in the State of New Jersey, where I reside and where the vehicle is garaged and insured. 
That transfer has been impossible due to Santanders failure to properly handle the vehicle title and lien.

Santander does not possess the Pennsylvania certificate of title for this vehicle, and no lien in favor of Santander appears recorded with the Pennsylvania Department of Transportation. Despite this, Santander has failed to provide a transferable title or documentation demonstrating a perfected security interest.

I contacted Santander on multiple occasions regarding this issue. Santander representatives advised me that correcting the title defect was my responsibility. That statement is inaccurate. Lien perfection and title custody are lender obligations and were a necessary part of the refinance Santander executed. 
As a direct result of Santanders failure : -I have been unable to lawfully register the vehicle in New Jersey -I have been unable to complete state inspection -I have been unable to rely on the vehicle for lawful, ordinary transportation -I have been forced to maintain and operate a second vehicle to meet basic transportation needs -I have been required to carry insurance on a vehicle that could not be lawfully operated -I have been exposed to ongoing regulatory and legal risk. 
Importantly, because the refinance was intended to remove a second owner, Santanders failure to properly complete title transfer also exposed me to potential liability. Had an accident occurred during this period, ownership ambiguity could have created legal exposure involving a party who was supposed to be removed from the title entirely. This risk directly undermines the purpose of the refinance Santander facilitated. 
Any payment delinquency on this account occurred during an unresolved servicing failure that materially impaired the collateral and my ability to perform. Santander has nevertheless continued to treat and report the account as a secured auto loan despite lacking a perfected lien and despite the unresolved title defect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Lobel financial company give me a car loan which I paid them off in full within 42 months XXXX a month once they was paid in full i review my credit report it started Lobel financial third party company report a XXXX write off to experience credit bureau with no knowledge of this i disputed this with Lobel also the credit bureau both party 's wants to correct this report own a XXXX XXXXXXXX XXXX which i finance through them lobel finance the third party also i received my car title from the CALIFORNIA DEPARTMENT MOTOR VEHICLE THEY WAS OVER {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I opened a Jared credit card account that included a XXXX  % promotional APR for XXXX  months on a jewelry purchase. I made all required payments on time throughout the promotional period and did not miss any payments. The account was set up on automatic payments. 

The promotional period ended on XX/XX/year>. After the promotion expired, deferred interest was applied to the account, resulting in {$4100.00} in interest charges at an APR of XXXX  %. 

I did not become aware that the promotional period had ended until XX/XX/year>, when I reviewed my account while organizing my finances for the new year and noticed the interest charges. Because the account was on automatic payment and payments were being made as required, I did not routinely review the monthly statements during this period. 

Once I became aware of the deferred interest charge, I immediately contacted the credit card issuer on XX/XX/year> and again shortly thereafter to request assistance. I explained that I had always paid on time, had no intention of carrying a balance beyond the promotional period, and was prepared to pay the full balance immediately. 

Customer service representatives advised that they were unable to reverse or adjust the deferred interest because more than XXXX billing cycle had passed since the promotional period ended. 

I am not disputing the disclosed terms of the promotion. I am requesting a one-time goodwill review of the deferred interest charges based on my on-time payment history, automatic payment setup, prompt action once the issue was discovered, and willingness to resolve the balance immediately. I am seeking a goodwill adjustment or partial credit of the deferred interest as a courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/XXXX - 2 transfers 1 ( one ) for {$7200.00}, and 1 ( one ) for {$29000.00}. Once these transfers were recognized as Fraud, my wife and I both called BofA. These calls happened within a few hours of the Fraud. My wife and I have been working with local politicians ( Mayor, state Rep and Senator, Councilmen, etc ) and have filed a police report and escalated to the FBI and FCC. We recently heard back from BofA, letting us know they were able to recover ~ {$1400.00} out of {$36000.00} lost.

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 2025-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dispute XXXX. Unfair, Deceptive, or Abusive Acts or Practices ( XXXX ) : and XXXX. Failure to Furnish Accurate Credit Information :

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: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Associated Credit Services, Inc.
State: TX

Complaint narrative:
In my previous complaint, XXXX, ASSOCIATED CREDIT SERVICES , INC . 

Subject : FollowUp Response Request for Verification Records and Clarification of XXXX  Disclosure I am submitting this followup response because the company did not address the core issues raised in my complaint. 

My complaint concerns the disclosure of my personal information and debt details to a XXXX  party at an email address that does not belong to me and was never provided by me to the original creditor or any subsequent entity. This is a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically the prohibition on thirdparty disclosure. 

In its response, Associated Credit Services ( ACS ) : Did not identify the entity that allegedly provided the incorrect email address Did not provide any verification records or internal notes showing how the email address was validated Did not describe its procedures for confirming consumer contact information before sending sensitive debt communications Did not address the fact that the email recipient is not a coborrower, authorized party, or individual connected to the account Did not address the thirdparty disclosure itself ACSs statement that the email address we received was provided in relation to the account is insufficient without documentation. I am requesting : The name and contact information of the entity that provided the incorrect email address The date and method by which ACS received this email address ACSs verification procedures for confirming consumer contact information Internal notes, logs, or records showing how ACS validated the email address before sending debt information Closing the file and returning it to the original creditor does not resolve the disclosure that has already occurred. 

I request that the CFPB require ACS to provide the above information and address the thirdparty disclosure directly. 

Thank you for your continued review.

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: National Credit Systems,Inc.
State: NC

Complaint narrative:
DEBT VALIDATION LETTER ( FDCPA COMPLIANT ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of Birth : XXXX Last XXXX of XXXX Date : XXXX National Credit Systems XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Account Number : XXXX Original Creditor : XX/XX/XXXX NOTICE OF DEBT VALIDATION REQUEST 15 U.S.C. 1692g To Whom It May Concern, This letter is sent in response to your reporting and/or attempted collection of the above-referenced account. Please be advised that this is a formal request for debt validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

I dispute the validity of this alleged debt in its entirety and request that you provide competent evidence that I have a legal obligation to pay. 

Please provide the following : XXXX. Proof of the original signed contract or agreement bearing my signature XXXX. Complete payment history from the date of origination XXXX. Proof of your legal right to collect, including assignment or bill of sale XXXX. Proof the debt is within the statute of limitations XXXX. Name and address of the original creditor XXXX. Proof that you are licensed to collect in my state XXXX. Verification that the amount reported is accurate Until this validation is provided, you must cease all collection activity, including credit reporting, as required by law. 



NOTICE OF FCRA VIOLATION If you are unable to provide the requested validation, you must immediately delete this account from all consumer reporting agencies pursuant to : 15 U.S.C. 1681s-2 ( a ) Accuracy of information furnished 15 U.S.C. 1681c Obsolete or unverifiable information 15 U.S.C. 1692e & 1692f False, deceptive, or unfair practices Failure to comply will constitute willful non-compliance, and I will pursue complaints with the CFPB, State Attorney General, and pursue civil remedies as permitted by law. 

This letter is not a refusal to pay, but a request for validation. 
Please respond within 30 days Sincerely, XXXX XXXX

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: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I became a customer of XXXX plus a brokerages company thats is used for purchasing futures and stocks. They scammed me out of my money using there Auto Liquidation Techniques to make it seem legit which is truly a robbery with no XXXX I called them loopholes they I deposited XXXX bought some futures XXXX minutes later they Auto liquidated me charging me {$300.00} in fees for the liquidation which i was left with only {$180.00} of my {$600.00} in XXXX minutes dues to there Auto Liquidation Techniques I requested a refund for that its a crazy fee amount they refused to give me a refund this happened XX/XX/year>. 
I went on and filed a dispute with my Bank, CiTi Bank they submitted my dispute I received a letter from them on Saturday XXXX in which they ask questions in regards to my dispute I responded also provided them with documentation of my issue with Plus XXXX I sent everything out XXXX XXXX, today marked the XXXX business day since I filled my dispute this not adding the Holidays, spoke with XXXX different Citi Bank representatives all just having me in circles sending me from XXXX to another Loopholes until I finally requested to speak to a supervisor he also confirmed that it has been XXXX business days since I filed my dispute. I requested a provisional credit as Banking Regulation E states that banks must provide a provisional credit within XXXX business if the investigation is still on going Citi Bank has not provided me with credit I would like for them to be held accountable for not following mandatory regulations an also provide me my full refund with interest as this is has took a long time and a lot of time out of my busy schedule it also caused a lot of stress as I was not able to get my kids a XXXX gift due to both of these companies XXXX for being a Scam an the other for not following Mandatory regulations

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 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I was buying a bike part online from somebody and I wasnt sure he was trusted at first but he gave me his address and said he would 100 percent refund me and he would ship the product the next day. I paid him XXXX dollars and the next day he stopped responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I received an email yesterday that said PayPal has permanently deactivated my account. I am unable to withdraw money from my account because of this. Ive been using PayPal for years and have not done anything wrong. I even opened a savings account with PayPal this year and my LIFE SAVINGS are currently being held by them for up to 120 days. I can not afford to wait up to 120 days for my funds to be released. I am XXXX and recently unemployed because of my XXXX. I use my savings to SURVIVE and pay my bills! Tomorrow is the first of the month and I can not withdraw my money to pay my bills. PAYPAL IS PLAYING WITH MY LIVELIHOOD! I do not deserve to be homeless and unable to buy groceries because PayPal is WRONGLY holding my funds that I worked VERY HARD FOR when I was ABLE TO WORK! Absolutely CRUEL, HURTFUL, and disgusting behavior from PayPal. I trusted PayPal with my hard earned money and now I have nothing left to my name.

Company response to consumer: Closed with explanation