vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I am filing this complaint regarding a solar loan originated by Solar Mosaic LLC in XXXX for a residential solar system installed by XXXX XXXX in California. The outstanding loan balance is over {$40000.00}. At the time of sale, XXXXXXXX XXXX representatives made the following specific promises that were never fulfilled : 1. LOWER ELECTRIC BILLS I was told my electric bills would be significantly reduced. This did not happen as promised. 2. FREE MAINTENANCE AND PANEL CLEANING I was explicitly promised ongoing maintenance and panel cleaning services as part of my agreement. These services were never consistently provided and have completely stopped. 3. XXXX WARRANTY COVERAGE I was promised full XXXX warranty coverage on the system. XXXX filed for XXXX XXXX XXXX in XX/XX/XXXX and ceased all operations, rendering this warranty worthless. The system is currently only partially functioning. I have no recourse with XXXX as they are bankrupt and no longer operating. I am now being required to continue making payments of over {$40000.00} on a loan for a system that does not perform as promised, has no warranty support, and has no servicing entity. Solar Mosaic LLC also filed for XXXX XXXX XXXX in XX/XX/XXXX. I do not know who currently holds or services my loan, and I have received no clear communication about the transfer of my loan or my rights as a borrower. I am requesting the following : - Full identification of the current holder/servicer of my loan - A formal review of my loan for cancellation or modification based on contractor failure and misrepresentation - An investigation into whether this loan was originated based on fraudulent or misleading sales representations This situation has caused significant financial harm. I am a California resident and this complaint is also being filed with the XXXX DFPI and the California Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I reported three fraudulent charges on my Citi credit card ending in XXXX : XXXX XXXX XXXX XXXX {$48.00} XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$60.00} After I reported the fraud, I received provisional credits and the card was closed. Citi then issued me a replacement card ending in XXXX. Once I activated the new card, these same three fraudulent charges appeared again on the replacement account for whatever reason XXXX $ less per transaction. Because of this, my account now shows a balance of {$170.00} for transactions that I did not make and have already reported as fraud. Over the past month, I have called Citi customer service three separate times trying to get this resolved. Each time, I was told that I am not responsible for these charges. The problem is that the balance is still on my account. I have also tried submitting disputes through both the Citi mobile app and the website, but nothing has been corrected. I have also emailed them at XXXX hoping to get a resolution as well. At this point, it has been more than a month since I first reported these charges. I have done everything I can on my end, and I should not have to continue spending time following up on fraudulent transactions that were already reported and credited once before. Thank you for your time, and I look forward to a prompt 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 monetary relief
Consumer complaint received 2026-06-01 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: MA

Complaint narrative:
I was gifted an American Express XXXX XXXX with a value of {$250.00} on XXXX XXXX, XXXX. The card was delivered to me digitally via email. On XX/XX/XXXX, I followed the instructions on the American Express XXXX XXXX website to use the card : - I activated it at the American Express XXXX XXXX website. - I tried to purchase an item valued for {$200.00}, at least 20 % less than the total value of {$250.00} on the card. - I tried to purchase this item via a legitimate website that required card number, expiration date, and security code. - I selected 'Credit ' as the payment method as directed by AmEx . - I entered my name and address as directed by AmEx. Every time I tried to use the American Express XXXX XXXX to make an online purchase, it was declined. The American Express XXXX XXXX website offered no way to report a problem with the card. I am still unable to access the {$250.00} that was on the card I was given, and that I can see is still the current available balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kramer & Frank, P.C.
State: KS

Complaint narrative:
I responded to a judgment in writing to the court in XX/XX/year>. According to limited action ( court ) in XXXX XXXX I missed a court date in XX/XX/year> & default judgment was enter. I NEVER RECEIVED CORRESPONDENCE TO APPEAR IN COURT. Why would in answer a judgement in writing & respond to the same judgment months later. I never received letter, they didn't send me one

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
I have an account that has reflected on my credit in which I have zero knowledge of the account and need it removed immediately from my credit report. This should have never been reported on my account because I have zero knowledge of this account. I havent even gone to college since I XXXX high school

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED BANKSHARES, INC.
State: SC

Complaint narrative:
On XX/XX/year>, I wire transferred {$17000.00} from XXXX XXXX XXXX to XXXX XXXX XXXX ( XXXX XXXX, XXXX NC ) at XXXX XXXX XXXX {$1000.00} via XXXX, totaling {$18000.00} down payment on a signed {$38000.00} pool installation contract. XXXX made false representations for two months that permits were being processed. No permits were ever filed. Zero work performed. Zero materials delivered. He then ceased all communication and retained the full {$18000.00}. This is wire fraud ( 18 U.S.C. 1343 ), theft by contractor ( NC 44A-24 ), and felony false pretenses ( NC 14-100 ). I formally notified United Bank in writing. Their XXXX XXXX XXXX dismissed this active federal fraud case as a " civil matter '' and refused to flag XXXXXXXX XXXX account, preserve records, or file a XXXX with XXXX. Active cases : FBI XXXX # XXXX, NC Attorney General, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX fraud division, XXXX XXXX criminal complaint, XXXX XXXX Sheriff criminal complaint. United Bank 's refusal to act violates their Bank Secrecy Act obligations regarding a documented federal wire fraud case involving their account holder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX closed my account following the payments on XX/XX/year> of {$60.00} and XX/XX/year> {$1000.00} then proceeded to tell me that they couldnt reopen my account when I called and even though I had spoke to them in XXXX and made a payment plan they still without my knowledge closed it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Involved are the XXXX credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All participate involved above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
During my stay at the XXXX XXXX XXXX in XXXX, XXXX, my friend and I unknowingly consumed food that contained visible mold. We only became aware of the issue after discovering mold throughout a hamburger bun served at one of the resort 's buffet restaurants. I have photographs documenting the condition of the food. As this was an all inclusive resort, I believed the sanitation and quality of the food service did not meet the standards that were advertised and paid for. Based on these concerns, I disputed the debit card transaction with Chase and submitted supporting evidence, including photographs. My dispute was not based on the transaction being unauthorized. Rather, it was based on the quality and sanitation concerns associated with the services I received. Chase denied the dispute. The denial letter states only that the transaction was authorized or processed according to the information provided, without explaining how my quality of service complaint was evaluated or how the evidence I submitted was considered. I am requesting a detailed explanation of how Chase investigated and evaluated my dispute, what evidence was reviewed, and the basis for denying the claim despite the supporting documentation provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Holloway Credit Solutions is a third party that is requesting a debt alledgingi owed to someone. I have called them and asked them to not send any correspondence due to I don't have a debt with Holloway credit. I have sent emails requesting them to stop and they have been harassing me even after the request to stop communicating. At this point, they are violating my request according to the Fair Debt Collection Practices Act and I have called them again today on XX/XX/XXXX and asked them once again to cease and desist request. Date of Letter : XXXX amount : {$830.00} email sent to Holloway Credit Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I sent an email back asking Holloway credit not to send any collections invoices as I have sent you this email on more than one occasion. I forward a letter stating anything coming from XXXX XXXX is infringing on my XXXX privacy as well as my XXXX XXXX protection. This will be the last time I request to not send anything to me. Any debt I have is with the original debtor and I have also sent them the same letter that I have forward to you. I will take further action if I receive any more letters or correspondence from this company. XXXX XXXX XXXX Thu, XXXX XXXX XXXX XXXX, XXXX to Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX Holloway Credit Solutions XXXX XXXX XXXX XXXX XXXX AL XXXX Re : XXXX Dear Holloway XXXX XXXX XXXX, XXXX XXXX XXXX XXXX your contact about a debt you are attempting to collect. You contacted me by email on XX/XX/XXXX. You identified the debt as from XXXX XXXX. Please stop all communication with me and with this address about this debt. Record that I dispute having any obligation for this debt. If you stop collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Thank you for your cooperation. Sincerely, AS of XX/XX/XXXX -Sent email Dispute Documentation : XXXX this account as formally disputed in your internal system.Credit Reporting : If this account has been or will be reported to any credit bureaus, you are legally required to mark the account as " disputed by consumer. " Chain of XXXX : If you cease collection activities and return or sell this account to another entity, you must explicitly notify them that the debt is actively disputed.Thank you for your prompt attention to this matter and for updating your records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
A vehicle that was considered a total loss only due to lack of parts during XXXX and listening to advice from insurance professionals to accept a total loss to a allow myself to refinance a different vehicle instead of waiting the estimated 12 months for parts to come in I was told that there would be no negative consequences because I had full coverage insurance and gap coverage. It took two years for the remaining balance to hit my credit once before, and I contacted the gap insurer to settle the debt I was told it was taken care of and now many years later at least five years I am receiving a delinquent impact to my credit because of lack of payment by the gap insurer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX Transaction have posted but company has them pending for 31days no reason giving.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: 21ST MORTGAGE CORP.
State: OH

Complaint narrative:
21st Mortgage is refusing to perform an escrow audit or provide a corrected escrow analysis, even though my property taxes for the entire year have already been paid ( {$200.00} in XXXX and {$200.00} in XXXX, confirmed by XXXX XXXX ). The servicer is also falsely claiming that my loan is an XXXX and that XXXX rules prevent them from removing escrow. This is incorrect. My loan is a conventional chattel loan, secured only by the manufactured home and not by land. Under the XXXX XXXX rules, transactions secured solely by a manufactured home and not land are exempt if the creditor provides XXXX of the following : Manufacturers invoice Independent cost service value ( e.g., XXXX ) A valuation by a trained, independent individual I signed an Acknowledgment of Receipt of Appraisal or Other Valuation, but I was never provided any appraisal or valuation, which violates the ECOA Valuations Rule ( 12 CFR 1002.14 ) requiring creditors to provide copies of all valuations promptly. My loan meets this exemption. My Note contains no HPML designation, no HPML disclosures, and no governmentbacked language.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prosper Marketplace, Inc.
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This situation is causing me emotional distress as I am unable to find a place to live due to this.

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 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
I am submitting a complaint regarding a vehicle I purchased from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Shortly after purchasing my XXXX XXXX XXXX, I began experiencing mechanical issues that are covered under the warranty provided at the time of sale. The primary issue is a defective water pump, which has caused my vehicle to overheat and has made it unsafe and unreliable to drive. I promptly attempted to follow the warranty process and submit a service request for repairs. However, during this process, I learned that the dealership location has permanently closed. Since then, obtaining assistance has been extremely difficult and disorganized. Despite multiple attempts to seek guidance and have my warranty claim addressed, I have received no clear communication regarding the next steps to have my vehicle repaired. As a result, I have been left without reliable transportation and without the warranty services that I was promised at the time of purchase. This situation has created a significant hardship because I suffer from a chronic medical condition and rely on my vehicle to attend medical appointments and obtain necessary care. The failure to honor the warranty agreement has directly impacted my ability to meet these essential healthcare needs. I am requesting immediate assistance in resolving this matter, including clear instructions on how to proceed with my warranty claim and prompt authorization for the covered repair. I purchased this vehicle with the understanding that covered mechanical issues would be repaired under the warranty agreement, and I expect that commitment to be honored. Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
XXXXI am filing this complaint against HUNTER WARFIELD for clear violations of the Fair Debt Collection Practices Act (FDCPA), specifically section 15 U.S.C. 1692g, regarding unverified debt and overshadowing collection practices.The debt in question originates from an apartment lease with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a formal Debt Validation Letter to this collection agency via USPS Certified Mail (Tracking Number: XXXX XXXX XXXX XXXX XXXX XXXX, demanding itemized proof of the debt and validation of my personal financial liability.Under the FDCPA, a collection agency must cease all collection activities until they mail validation of the debt to the consumer. Instead of validating the debt, this agency ignored my legal request. XXXX days later, on XXXX XXXX XXXX, they emailed me a collection demand titled "pay now and save resolution offer," demanding money for an unverified balance.It has now been more than XXXX months since my formal request, and the agency has completely failed to provide a single piece of debt verification, a signed contract, or proof of liability. This agency is holding an unverified debt on my consumer profile, attempting to collect on a balance they cannot prove I owe, and illegally continuing collection communications after a timely dispute.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
My PayPal account was permanently restricted after I passed their initial review process. Timeline : - XXXX 2026 : I opened my PayPal account. - After receiving my first order, PayPal placed my account under review. I submitted all required documents ( proof of identity, business description, etc. ) and the review was APPROVED. - I continued receiving orders and started advertising. - One day, I made a manual transfer to my bank account. The transfer failed with an error message. - Shortly after this error, PayPal placed my account under a SECOND review. - I submitted the SAME documents that had passed the first review. A few days later, PayPal DEACTIVATED my account. - I appealed. PayPal told me my account was linked to another PayPal account. I appealed again. PayPal later removed this " association '' restriction. However, the original restriction on my account remained. - PayPal now says my " information can not be verified. '' But PayPal has NEVER asked me to provide any specific documents for verification. No upload link was provided. No specific information was identified as unverifiable. Key facts : 1. I passed the first review with the same information. 2. Nothing on my account has changed since then. 3. PayPal has given me ZERO opportunity to verify anything. 4. A PayPal customer service agent named XXXX confirmed that CFPB has oversight over PayPal 's digital wallet services. I am willing and ready to provide any documentation PayPal requires ( ID, address proof, business license, invoices, etc. ). PayPal has simply never asked for it.

Company response to consumer: Closed with explanation