vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I dispute PayPals decision to deny my claim regarding unauthorized recurring charges from XXXX XXXX. PayPal closed my case stating only that the transaction was processed correctly, without addressing the central issue : authorization. 

I did not sign up for XXXX XXXX, did not authorize a subscription, and did not authorize recurring billing. PayPal requested a copy of the billing agreement. I responded that no billing agreement exists and that the merchant must produce proof of affirmative consent ( authorization date/time, method of consent, terms shown at sign-up, and proof tied to my account ). 

PayPal did not require the merchant to provide any billing agreement or evidence of consent and provided no explanation of how authorization was established. A transaction being processed correctly is not proof that it was authorized by the account holder. 

I am requesting executive-level review, reversal/refund of the disputed subscription charge ( s ), and written confirmation of the basis for PayPals determinationincluding any billing agreement or authorization record PayPal relied on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
On XX/XX/2025, {$3400.00} was withdrawn from my checking account via XXXX XXXX ( XXXX XXXX ), followed by an additional withdrawal of {$3000.00} on XX/XX/2025, as part of a larger series of payments totaling {$14000.00} for home repair services. The payments were authorized based on written representations that specific, itemized structural and plumbing work would be performed. 

The contractor initially provided a written proposal that included removal and replacement of subfloor in both the furnace area and the rear cellar area of my home. Prior to payment, the contractor issued an invoice that removed the rear cellar area from the written scope of work but did not reduce the total price charged. 

After payment, even the reduced scope shown on the invoice was not performed. Invoiced services that were not delivered include removal and replacement of subfloor in the furnace area, installation of a listed steel I-beam, and replacement of certain galvanized plumbing lines. Portions of the home identified in the proposal and invoice, including finished living areas, were left untouched. 

I filed a dispute with SoFi on XX/XX/2025 for services not rendered/ failure of consideration. SoFi denied the claim, stating only that the transaction was authorized and peer-to-peer in nature. I appealed and specifically identified the proposalinvoice scope mismatch and the non-performance of invoiced services. 

SoFi closed the dispute again without addressing whether the services charged were actually delivered or whether the amount withdrawn reasonably corresponded to the work performed. The bank provided only payment receipts and did not provide merchant documentation showing completion of the invoiced work.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX I opened a business checking account online with Truist Bank. I deposited a check in the amount of {$4000.00} for some services that were performed for a client. Upon deposit, the bank said my funds would be held until XX/XX/XXXX to make sure they clear. On XX/XX/XXXX I called because when I went to view my account online, I was denied access and told to call XXXX. I was advised that there was a fraud hold placed on my account and was transferred to the fraud department. The fraud department told me my check was being held pending a fraud investigation. They provided a case number ( # XXXX ) and told me to call back on the XX/XX/XXXX to check the status. When I called on XX/XX/XXXX I was told the investigation was still in progress and the check would be held until XX/XX/XXXX. On XX/XX/XXXX I called to activate my debit card I received in the mail and was unable to activate it. I called to see what was the issue with the card and to see if everything was still on track to have the funds released on XX/XX/XXXX. I was advised that I needed to obtain a letter from the issuing bank, XXXX XXXX XXXXXXXX XXXX XXXX, stating that the funds would not be taken back. I was confused by this request but I went to the issuing bank and there was no letter they could provide. The check writer assisted me with getting some information showing the check cleared. The issuing bank stated once funds have cleared, they can not reverse them. I want my money and a valid reason for a fraud investigation and hold. On XX/XX/XXXX I visited the local Truist branch and spoke to client service rep named XXXX. She advised me that the account was closed on XX/XX/XXXX. I was horrified. XXXX called the fraud department to see if she get some information. The fraud department advised her that the funds were returned to the issuing bank. Once again the check writer went to her bank to verify, and confirmed I was lied to about the money being returned. I called Truist bank again on XX/XX/XXXX to advise them the funds were not returned and to see what excuse they were offering today. I was again advised that I need a letter stating the funds would not be taken back. I was also told that the funds would not be returned to me. They refuse to tell me why they won't give me my money back. I've attached a copy of the cleared check with the sequence number and posting date. The check cleared the bank on XX/XX/XXXX.

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 2026-01-15 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood closed my account after I earned {$4300.00} using its Predictions feature. Initially, they told me the closure was discretionary. Later, they stated it was due to unusual activity, but they refused to define what that meant, refused to identify any specific conduct, and refused to cite any specific provision of their Customer Agreement that I allegedly violated. 

I repeatedly requested written clarification on : Whether this closure was discretionary or based on an alleged violation What specific activity was considered unusual What specific rule I allegedly violated Whether my full balance of {$4300.00} would be returned The method of return A payout timeline Despite multiple requests, Robinhood refused to provide these details. They continued using vague language such as may be returned and if eligible, without confirming whether my funds would actually be released. 

They then stated their decision was final, without explaining the basis for the closure and without addressing the status of my money. 

At no point did they provide evidence of wrongdoing, identify a violated policy, or explain what triggered their action. I dispute any implication of misconduct. I did not use bots, automation, VPNs, insider information, or prohibited methods.

This complaint concerns Robinhoods failure to provide transparency, failure to explain the basis for their action, and failure to clearly confirm the return of my funds.

I am requesting that Robinhood be required to : 1. Provide a written explanation of the specific reason for the account closure 2. State whether the closure was discretionary or violation-based 3. Confirm in writing that my full balance of {$4300.00} will be returned 4. Provide the method of return 5. Provide a specific payout date

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
In XX/XX/year>, I contacted my mortgage servicer, NewRez LLC d/b/a Shellpoint Mortgage Servicing, to ask whether my XXXX-guaranteed mortgage loan was eligible for assumption because I had buyers interested in assuming the loan. I was told verbally that the loan was assumable with approval. 

The servicers website also states that some loans, including XXXX XXXXoans, may be assumable with lender approval. In addition, my loan documents specifically reference an assumption fee if the loan is assumed. 

Based on this information, my buyers submitted the required assumption request form. After submitting the form, there were significant delays and a lack of communication. I had to contact the servicer multiple times before receiving any response. When a response was finally sent, it was emailed to my husband despite my request that communication be directed to me, which caused additional delay. 

After several months, NewRez informed us by email that the loan was not eligible for an assumption, stating broadly that XXXX XXXXoans are not assumable. No buyer eligibility review or underwriting was conducted, and no specific XXXX XXXXegulation, investor guideline, or loan-specific restriction was cited to support this determination. 

The servicers position directly contradicts prior verbal representations, the language on its website, and the assumption provisions in my loan documents. I am concerned that NewRez is providing confusing and misleading information regarding loan assumptions and is refusing to properly process or evaluate XXXX  loan assumption requests.

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 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2026-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Resurgent Capital Services is not honoring their agreed payment arrangement. It was supposed to be {$17.00} monthly and {$10.00} monthly. They are taking these amounts biweekly. They are not honoring their agreement when I contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
Whom It May Concern, I am writing to formally dispute inaccurate information being reported by Prestige Financial on my credit report. The account reflects late payments that I believe are incorrect and do not accurately represent my payment history. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incomplete, inaccurate, or unverifiable. I am requesting that you investigate this matter and verify the accuracy of the late payments being reported on my credit file. 

Please provide documentation that supports the reporting of these late payments, including : A complete payment history Copies of billing statements Proof of any missed or late payments Any contractual agreement that authorizes this reporting If Prestige Financial can not provide proper verification, I request that the inaccurate late payment information be removed or corrected immediately. 

I have enclosed copies of any relevant documents to support my position. Please update me in writing with the results of your investigation within the time frame required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I spoke with the fraud department and disputed the charges that were not made by me. The charges caused my account to be over drawn racking up a crazy amount of overdraft fees. After I disputed the chargest the account was charged off within 2 weeks of speaking with the fraud department. The transactions disputed equal {$190.00} and the Overdraft fees add another {$160.00} making a total of {$350.00} that is not explained. I never recieved a denial letter, which would be insane since I verified the charges on my end were not legit. 


XX/XX/XXXX Overdraft Chargeoff XX/XX/XXXX Sustained Overdraft Fee - {$30.00} XX/XX/XXXX Sustained Overdraft Fee - {$30.00} XX/XX/XXXX Sustained Overdraft Fee - {$30.00} XX/XX/XXXX Overdraft ( 2 At {$35.00} Each ) - {$70.00} The bank failed to reasonably investigate and resolve billing error notices and claims of unauthorized use. The bank also failed to fully credit my account when unauthorized use and billing errors occurred by not refunding all finance charges or fees owed. 

Failing to provide required documents and referrals : The bank did not provide me billing error notices with required acknowledgment and denial notices, which inform me that their disputes have been received and that the dispute was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Requested funds from atm not received but withdraw from my account

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 2026-01-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
A card was created under on XX/XX/year> through CCB/XXXX  XXXX I didn't create this card or apply for it or receive it. I attempted to call the number on XXXX XXXX for the company. They asked for my Name, Address and phone number. I gave them that information. They never asked for my XXXX though. They then wanted my credit card information for a viable card or my banks routing number so they could charge it {$3.00} to process the cancellation. They never told me that they found a card on file or anything like that. I refused to give them access to a viable credit card or bank account as that I see no reason to be charged to cancel a fraudulent card. They hung up on me. The number I called was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
I got a letter with a settlement offer from Transworld Systems Inc, I told them via phone call I was ready to pay this with XXXX of their listed settlement offers so long as they report that I made the payment in full to the credit bureaus. They already reported that this exists to the bureaus, so I thought that this was a reasonable request and it is my understanding that this is protected under law. 

I was told ( believe lied to ) by a representative that I believe is operating out of a call center overseas who said that the original lender ( chase ) made the report on TSI XXXX behalf ( which doesnt make sense ). We went in circles of him saying they don't report and me saying that under FDCPA that is illegal for a collections agency to not report. 

Unsure what to do, I was told to file this report.

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 2026-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am a victim of identity theft and unauthorized account takeover. My Chime debit card was used for an unauthorized purchase at XXXX XXXX that I did not make or approve.

A few days later, I received a text message stating that my Chime account had been closed at my request. I did not request my account to be closed. I was locked out of my online banking and had no access to my account or funds.

When I regained access, I discovered that additional fraudulent transactions had occurred while I was locked out, and my entire account balance had been withdrawn without my authorization.

I reported the fraud to Chime and filed disputes, but Chime denied my dispute despite clear evidence of unauthorized transactions and account takeover. I am requesting reimbursement under the Electronic Fund Transfer Act ( Regulation E ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
The account was not incorrect and will like them to remove off the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 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: FL

Complaint narrative:
I am filing a complaint regarding Capital Ones handling of a credit card dispute related to an XXXX XXXX flight booked through Capital One XXXX. 

XXXX XXXX issued a written labour disruption waiver on XX/XX/year>, stating that passengers scheduled to travel between XX/XX/XXXX and XX/XX/year> were eligible for no-fee changes if action was taken within a defined window. My flight on XX/XX/year> was covered by this waiver. 

I attempted in good faith to use this waiver by contacting both XXXX XXXX and Capital One XXXX multiple times during the required period. XXXX XXXX phone system repeatedly stated that representatives were unavailable due to overwhelming call volume. Capital One XXXX was unable to assist and failed to issue the ticket number required by XXXX XXXX to process a change, refund, or credit. 

Because neither XXXX XXXX nor Capital One Travel was reachable or able to assist before the waiver deadline expired, I was prevented from using the flexibility XXXX XXXX offered. After the window closed, XXXX XXXX sent me a refund request link that required a ticket number Capital One XXXX never provided, making it impossible to complete the request. 

Capital One denied my dispute based on merchant statements claiming the booking was non-refundable and that I voluntarily canceled for personal reasons. This is inaccurate and ignores the airline-issued waiver, the lack of access to customer service, and Capital One XXXX  failure to provide required ticketing information. 

I am disputing XXXX XXXX  investigation as incomplete and improperly resolved. I am requesting that Capital One reopen the dispute or issue a credit based on failure to provide services, failure to honor an airline waiver, and reliance on inaccurate merchant documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
As a customer who pays off my Lowe 's credit card each month, I was deeply alarmed to receive a promotional email this morning with a 31.99 % interest rate offered. I view these offers as predatory, especially for folks who can least afford them, and I wanted to register my complaint with an organization who is tasked with protecting consumers. These interest rates have continued to creep up across the board, but a 31.99 % interest rate means that for every {$1000.00} a consumer spends, Lowe 's is receiving and extra {$320.00}!! How can this be anything other than fleecing or predatory!!???

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 2026-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I made my last payment on my mortgage on time in XXXX. It was paid in full. 

In XXXX, after the mortgage was paid, the mortgage company sent a tax payment to my town. This was not reported to me. I had NO IDEA! this was done. 

I got a notice in XXXX that I owed the bank money for this. I did not dispute this. The bank would not allow me to make a payment on-line as I had been doing with all my other payments. 

I had to go to my bank, get a bank check, and overnight it to the bank. I did all this. 

Then I find out a month or so later that they reported I was delingquent on this payment that I did was not made aware of. 

After XXXX requests, I have still not gotten the release of lein that I requested. I searched the registry of dees and it shows the mortgage paid, but nothing from the bank

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