vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendmark Financial Services
State: CA

Complaint narrative:
So I had bought a used car a few years back with Lendmark financial. I had refinanced the car a few times because of financial reasons but I was able to pay no problem up until a few months back I was really struggling with financial hardship and let them know they had agreed to do a loan modification for about half of what I was paying, but I couldnt keep the car because of maintainence and tags basically extra expenses to take care of the car so the branch manager told me sell the car and by selling it and giving them the money I would be on a permanent loan modification for doing that which I thought was good so I went ahead and did that with them i sold it for XXXX $ dollars I kept no money from the sell I just wanted to pay them down some money and the branch manager told me that I had basically paid 4 months of the loan ahead of time so I didnt need to worry about making any payments and I asked her in person because I signed off on the car with my co worker in front of her that if any interest will accrue and she said no because I paid the 4 months in advance so I was ok with that and basically when it was time for me to make my first payment and I looked at the loan the loan was much bigger then it was and I called them and they said its because I didnt make monthly payments that interest accrued. So basically they lied to me about that. And they also said that loan modification were not permanent I feel like they lied to me so that I can pay them because I got behind a payment or two. Can you please help me out with this situation thank you. It was approved through theirs cops department on XX/XX/XXXX for the loan modification. I sold the car XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am disputing the accuracy and ownership of a Fifth Third Bank credit card that is currently reporting on my credit file as delinquent, despite being listed as closed and paid. 
At this time, I am requesting documented proof that this account is actually mine and that Fifth Third Bank has verified ownership in accordance with the Fair Credit Reporting Act ( FCRA ). 
Specifically, I am requesting that Fifth Third Bank provide : A copy of the original signed credit card application or agreement bearing my signature Proof of identity verification used at account opening Documentation showing my authorization and responsibility for this account Evidence that Fifth Third Bank conducted a reasonable investigation before reporting delinquency information to the credit bureaus If Fifth Third Bank is unable to provide this documentation, then the account can not be verified as mine and should be deleted from all credit reporting agencies immediately. 
A closed account that is allegedly several years old should not continue to report derogatory information without proper verification. Reporting unverified information is inaccurate, misleading, and a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
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: Early Warning Services, LLC
State: CA

Complaint narrative:
They wont answer their phones. All contact info is as useless XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I was the victim of an online scam and sent {$1000.00} via PayPal Friends and Family ( funded by my linked Chase bank account ) to a fraudulent seller. The seller misrepresented themselves as selling a legitimate item/service, requested Friends and Family payment, and immediately deleted their account after receiving the funds, providing nothing in return. 
I realized the scam within hours, contacted PayPal support the same day, and explained the situation. PayPal acknowledged the issue, made a note on my account, and advised me to contact my bank to attempt a reversal/stop payment. Following their guidance, I reached out to XXXX XXXX  that same afternoon ( approximately XXXX PM ) and requested a stop payment on the ACH transfer. 
Despite PayPal being fully aware this was fraud, and despite my immediate efforts to mitigate the loss ( including stopping the payment the same day ), PayPals policy holds methe defrauded senderresponsible. 
I have filed official reports with : Local police department ( report # XXXX ) State Attorney General ( case # XXXX ) Federal Trade Commission ( reportfraud.ftc.gov ) case # XXXX FBI Internet XXXX XXXX XXXX ( ic3.gov, reference # XXXX ) This practice unfairly shifts the financial loss from the scammer to the victim, enables fraud on PayPals platform, and provides no meaningful protection or recourse for Friends and Family transactions, even in clear cases of theft by deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Request for Reopening Closed Accounts Due to Fraud and Identity Theft To Whom It May Concern, I am writing to formally request the reopening and reinstatement of my Capital One accounts, which were closed as a result of fraudulent activity and an account takeover, for which I am not responsible. 



On XX/XX/XXXX, unauthorized access occurred to both my Capital One account and my mobile device. As a result of this hack and identity theft, three mobile check deposit attempts were initiated without my knowledge or consent into my XXXX account ending in XXXX. 



I want to clearly state the following : I did not authorize these mobile check deposit attempts. 

I do not perform mobile check deposits as part of my normal banking activity. 

The checks involved were fraudulent and never successfully deposited, as they were detected and rejected by Capital One. 

I did not receive or benefit from any funds related to these transactions. 



Despite being the victim of this fraud, Capital One proceeded to close both of my accounts, specifically : Savings Account ending in XXXX Checking Account ending in XXXX These closures were the direct result of criminal activity committed against me, not by me. 


VICTIM OF FRAUD & ACCOUNT TAKEOVER This incident constitutes an account takeover and identity theft, where unauthorized third parties gained access to : My Capital One online banking profile My mobile device My personal and financial information I took immediate action upon discovering the issue and am prepared to provide supporting documentation, including fraud reports, identity theft affidavits, and any additional information required for review. 


FORMAL REQUEST I respectfully request that Capital One : Conduct a full internal review of this matter under fraud and account takeover procedures. 

Reverse the account closures and reopen both accounts in good standing. 

Confirm in writing that no negative banking records ( including XXXX  or XXXX XXXX XXXX ) were or will be reported against me as a result of this incident. 


GOOD FAITH NOTICE I have been a good-faith customer and have never engaged in fraudulent activity. Penalizing a customer who is a documented victim of fraud and identity theft contradicts fair banking practices and consumer protections. 



I trust Capital One will act reasonably and fairly by correcting this matter and restoring my accounts. 

Thank you for your time and attention. I look forward to a prompt resolution. 



Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Date : XX/XX/2025 Via : Certified Mail / Email Portfolio recovery XXXX XXXX XXXX XXXX, Virginia XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX RE : CEASE AND DESIST COMMUNICATION This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ) that I am requesting you cease and desist all communication with me regarding the above-referenced account.

Effective immediately, you are instructed to : 1. Stop all phone calls, including calls to my home, workplace, or mobile phone 2. Cease all written, electronic, and third-party communications 3. Refrain from contacting any relatives, employers, or associates regarding this matter You may only contact me in writing to confirm on
e of the following : That you are ceasing all collection efforts, or That you intend to pursue a specific legal remedy permitted by law Any further communication from your office outside of these exceptions will be considered a violation of the FDCPA and may result in complaints filed with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The State Attorney Generals Office Nothing in this letter constitutes an acknowledgment or admission of liability for the alleged debt. 

Please govern yourselves accordingly. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
Tried to call XXXX  XXXX, but they said they sold it to another Collector

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I have been a loyal Chase customer for over 10 years, maintaining both personal and business credit card accounts, as well as an active personal checking account.

Recently, following an address change on my account, I was surprised to find that both my personal and business credit cards were closed.

While my checking account remains active and in good standing, Ive unfortunately lost access to a significant balance of XXXX Ultimate Rewards points associated with those cards.

Im reaching out to respectfully request guidance on how I might restore access to my accounts or recover the value of my rewards. Im fully prepared to submit any documentation necessary to verify my identity and account history. If reinstatement is not possible, I would appreciate the opportunity to redeem my points as cashback, deposited directly into my Chase checking account.

These points represent years of responsible card usage and loyalty to Chase. I sincerely hope we can find a resolution that reflects the value of our longstanding relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am submitting this complaint regarding Synchrony Banks handling of my PayPal XXXX XXXX XXXX account, which I opened on XX/XX/XXXX, and maintained for over 17 years with a 100 % on-time payment history and no derogatory activity. 

On XX/XX/XXXX, Synchrony closed my account, citing the number of dishonored payments. The closure was based on two {$500.00} payments dated XX/XX/XXXX, and XX/XX/XXXX, which were labeled by PayPal/Synchrony as rejected or returned. 

I immediately disputed this characterization and provided extensive documentation, including bank-manager-stamped XXXX  statements, showing that I had sufficient funds at all relevant times and that no ACH debit attempts corresponding to these payments were ever presented to or rejected by my bank. No insufficient-funds or returned-payment events occurred at the bank level. 

In a written response dated XX/XX/XXXX, Synchrony stated that it had received two returned checks and asserted that, as a result of those dishonored payments, the account was closed. This letter did not identify any ACH return codes, did not confirm whether the payment requests were ever transmitted to my bank, and did not address the documentation I had already provided.

Despite PayPal experiencing processing issues with my XXXX  account, I continued making substantive payments from alternate funding sources, including XXXX XXXX  and XXXX XXXX, and never missed a payment. My account was never delinquent, and I continued making timely payments even after the account was closed. At no point did Synchrony Bank dispute that payments from alternate funding sources posted successfully, nor did it assert that my account was ever delinquent. 

In a subsequent letter dated XX/XX/XXXX, Synchrony acknowledged that the term returned check does not necessarily mean insufficient funds and may result from non-NSF causes such as processing errors or inability to locate an account. Despite this admission, Synchrony did not reconcile its earlier statements, did not identify any ACH return codes, did not confirm whether the payment requests were ever transmitted to my bank, and did not correct the internal characterization of my payment history. 

Although no derogatory reporting was made, the issuer-initiated closure eliminated a 17-year positive tradeline, materially harming my length of credit history. The closure reason was not reported to the credit bureaus, preventing meaningful consumer review or dispute.

Based on the full record, Synchrony Bank failed to conduct a reasonable investigation, relied on unverified payment-channel classifications, ignored mitigating payment behavior, and caused unjustified harm to a long-standing customer acting in good faith.

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 2025-12-30 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I am submitting this formal complaint to request regulatory review of Barclays Bank Delaware for its failure to conduct a thorough and reasonable investigation of disputed credit card transactions and its failure to follow proper dispute-resolution procedures as required under applicable consumer protection laws. 
On or about XX/XX/year>, my checked luggage was lost by an airline during international travel. That luggage contained my wallet, multiple credit cards, and one identification card. I did not have possession of these cards during the period in which unauthorized or unrecognized transactions subsequently occurred. 
After discovering unrecognized charges on my Aviator Mastercard, I promptly notified the issuer and formally disputed all transactions that posted after XX/XX/year>. I made clear that the charges occurred after my credit cards were lost. 
During the dispute process, I explicitly offered to provide supporting documentation from the airline confirming the loss of my luggage and its contents, which directly substantiates my claim that I did not have control or possession of the credit cards when the disputed charges occurred. 
However, Barclays declined to review or accept this evidence, stating that it was not needed, and proceeded to deny the dispute and close the case.

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 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
PLEASE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF XXXX  XXXX XXXX XXXX XXXX, DEFENDENT Case Number : XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX, Mass XXXX Bar No. XXXX ( Application foXXXX XXXX XXXX XXXX Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am a XXXX individual whose sole source of income is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PayPal permanently closed my account for allegedly abusing the dispute process, despite the fact that all disputes I filed were legitimate billing errors and were supported with documentation upon request. 
Within the past two months, I filed several disputes related to : Charges from XXXX and XXXX for canceled subscriptions A refund amount discrepancy from XXXX Duplicate/partial charges from a restaurant, where my card was charged multiple times for the same bill totaling {$99.00} In the restaurant case, PayPal unilaterally changed my dispute reason without my consent. The following day, PayPal permanently closed my account, citing abuse of the dispute process.

The timing of this closure is extremely harmful. It occurred just days before my XXXX  payment was scheduled to be deposited into my PayPal account. As a result, my XXXX payment was rejected and must now be rerouted by the U.S. Treasury, a process that will take approximately two weeks.

This has caused immediate financial hardship, including inability to pay rent, electricity, and obtain necessary medications. I can not earn money in the meantime due to my XXXX. 
Additionally, PayPal issued a provisional credit of {$29.00} related to one dispute but is now holding those funds for up to 120 days, making them inaccessible during this emergency.

I dispute PayPals characterization of my activity as abuse. I used PayPals dispute system exactly as intended, for legitimate billing errors. Closing my account and withholding funds under these circumstances is disproportionate and harmful, particularly given my XXXX and reliance on fixed government income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: HI

Complaint narrative:
b'Source Receivables Management is attempting to collect an alleged debt associated with Account XXXXI dispute this alleged debt in its entirety. Source Receivables Management has failed to provide proper validation of the debt, including proof of ownership, complete chain of assignment, authority to collect, and documentation supporting the amount claimed, as required by federal law.\n\nDespite the lack of validation, Source Receivables Management continues collection activity and/or has contributed to inaccurate credit reporting. Continued collection or reporting without proper validation is improper and violates federal consumer protection laws.\n\nThe alleged debt has been assigned, and any continued attempt to collect or report listing me as the personal obligor is inaccurate.\n\n\nCertified Tracking : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
I am filing a complaint regarding my auto loan serviced by Exeter Finance due to what I believe are unfair, misleading, and potentially predatory loan servicing practices, including excessive interest charges, repeated late fees, unclear payment application, and loan term extension beyond what I reasonably expected when the loan originated. 

I have consistently made payments on this loan over several years. Despite this, my principal balance has decreased at an extremely slow rate, and in some months my payments were applied almost entirely to interest, with little or no reduction to principal. In certain instances, payments were later reversed, further increasing my balance and negating prior progress without clear or timely explanation. 

The Truth-in-Lending Disclosure for my loan states that the Total of Payments over the life of the loan would be approximately {$31000.00}, assuming payments were made as scheduled. 

I have made approximately 70 monthly payments of about {$430.00}, totaling nearly {$31000.00}, yet I still have an outstanding balance of approximately {$6300.00} {$6700.00}. 

While I understand that interest is front-loaded on high-APR loans, the manner in which my loan has been servicedincluding repeated late fees, payment reversals, and the application of payments almost entirely to interest during multiple periodshas made the Total of Payments figure effectively unattainable in practice, even after years of substantial and consistent payments. 

As a consumer, I reasonably relied on the disclosure that the loan would be satisfied after paying approximately {$31000.00} over the scheduled term. However, due to Exeter Finances servicing practices, the loan balance remains significant despite payments approaching the disclosed total amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I deposited {$3200.00} in cash at a USAA-owned ATM in XXXX, Maryland. The ATM accepted the cash, but my account was never credited. I reported the issue to USAA, and an investigation was completed. USAA denied the claim, stating they could not find the deposit. 

Because this was a USAA-owned ATM, USAA had custody of the cash and access to the ATMs balancing records, error logs, and camera footage. I am requesting reimbursement of the missing funds or a documented reconsideration of the investigation, including confirmation of how the ATM was reconciled. 

This loss represents a significant cash deposit, and I am seeking resolution.

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