vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 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: MO

Complaint narrative:
I am filing a billing dispute against Capital One regarding a {$2900.00} charge from XXXX on XX/XX/XXXX. This was a long-term rental that reached its mandatory 62-day limit, forcing a contract rewrite where the first contract was officially closed and a new one opened to continue the rental. XXXX customer service confirmed that a {$2900.00} pending refund/deposit release from the closed contract is owed to me, but it has failed to post for over three weeks. Capital One phone reps are refusing to manually open a dispute for 'Credit Not Posted ' despite being well past the 15-day non-receipt threshold, leaving my credit card maxed out. I request that Capital One manually open this billing dispute and apply a temporary credit immediately

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/year>, an unauthorized third party used my stolen credentials in a proxy independent contractor scam on the platform XXXX. Corporate funds from XXXX XXXX were automatically deposited into my personal PayPal account. On XX/XX/year>, the scammer coerced me into moving funds across borders via PayPal, causing PayPal to automatically deduct a {$4.00} international currency conversion fee from my balance. I did not willingly engage in a commercial transaction and acted under duress and identity theft. I secured my email account and locked the scammer out on XX/XX/year>. I have already filed a report with the FTC ( IdentityTheft.gov ) and reported the fraud to XXXX. On XX/XX/year>, I contacted PayPal customer service via the online Message Center to request a manual supervisor review and waiver of this {$4.00} fee due to these extreme circumstances. The agent stated they could not refund the fee, refused my request to escalate the ticket to a fraud supervisor 's queue, and abruptly closed the chat session. I am requesting that PayPal manually credit the {$4.00} back to my balance so my account is whole as I work with XXXX to safely return the fraudulent corporate funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On Friday, XX/XX/year>, I was in the negative - {$820.00}. I had a direct deposit of {$1300.00}, which put my account into the positive + {$540.00}, on Saturday, XX/XX/year>. However, a fraudulent transaction came thru on Friday, XX/XX/XXXX, for {$5900.00}. This transaction came thru on a negative- {$820.00}, in my checking which overdraft my account {$6000.00}. I am requesting the bank to fix this and give me back my {$540.00}. The bank allowed a transaction I knew nothing of for {$5900.00}, that I do not owe. This fraudulent transaction was paid by PNC Bank. They made the mistake of paying this as I also submitted a fraud investigation into this transaction. I want my money put back into my account ( {$540.00} ). I do not owe no one {$5900.00} AND THE BANK should NOT have paid this. There were never enough funds in that account for it to have been paid. I am owed my money back ASAP. This bank has DONE NOTHING TO HELP!!! If I am ever asked to give a survey I would tell anyone this bank is run by crooks. XXXX XXXX XXXX, if you are still the president of PNC Bank, I hope you have listened to the recordings of the conversations that were had by customer service team and lack of assistance from the bottom all the way to the top. This is criminal and I have been robbed by this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX email : XXXX Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Target : Santander XXXX USA ( XXXX auto account # XXXX ) XXXX XXXXXXXX XXXX ( XXXX Rollover auto account # XXXX ) Primary Statutes Violated : * GA Fair Business Practices Act ( FBPA ), O.C.G.A. XXXX * 15 U.S.C. 1601 ( Truth in Lending Act - TILA ) XXXX Multi-State Consent Decree ( Violation of Injunction/Settlement Total Disputed Amount : Approximately {$91000.00} ( {$53000.00} + {$38000.00} Finance Charges ) {$1200.00} monthly payments I have paid {$52000.00} from XXXX I am seeking : * Demand for Dept Validation 15 U.S.C. 1692g Breech : Santander XXXX USA is wilfully violating the injunctions negotiated by the Executive Committee regarding the ability to pay, in reference to the XXXX Santander multi-state sub prime auto settlement of {$550.00} XXXX. * Santander XXXX USA is intentionally violating O.C.G.A. 10-1-399 of the FBPA. My previous XXXX auto loan, {$17000.00} amount with added fraudulent fees was a violation of the GA Fair Business Practices Act ( FBPA ), O.C.G.A. 10-1-393 The double stacking fraudulent loans both including XXXX insurance therefore now includes warranties and service fees in a XXXX loan Santander/XXXX XXXX violations according to the XXXX CFPB Consent Order ( Matter No. XXXX ) I am requesting a full refund/restitution of all funds paid to date, {$52000.00} from this fraudulent instrument as well as any statutory damages and penalties allowed under O.C.G.A. 10-1-399 for intentional deceptive trade practices. I am also seeking a full release from the remaining {$91000.00} obligation and reserve my right to pursue : * Treble damages as provided by O.C.G.A. 10-1-399 ( c ). * Attorney Fees ( O.C.G.A. 10-1-399 ( d ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AR Solutions Inc
State: NE

Complaint narrative:
AR Solutions calls me 2-3 times a month, leaving a voice-mail stating " This is AR Solutions with a message . This is an attempt to collect a debt. Please do not erase this message, until you call us at XXXX. Again that number is XXXX. Thank you '' They do not give me a name of a person I can speak with, and state they are attempting to correct a debt. Anyone could over hear this voice-mail and I feel my privacy and federal regulations are being violated. I have 2 of these voice-mails saved. One from XX/XX/XXXX at XXXX and another from today XX/XX/XXXX at XXXX. The call log I have shows calls beginning XX/XX/XXXX. Calls include the following dates with the same voice-mail left. XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
" Capital One is illegally freezing {$5600.00} of my protected net payroll wages. On XX/XX/XXXX, they processed a one-time snapshot child support levy from Arkansas when my balance was under {$100.00}. On XX/XX/XXXX, my payroll direct deposit hit my account. Child support was already legally deducted from this paycheck at the source by my employer on XX/XX/XXXX and XX/XX/XXXX. My account currently shows a 'Current Balance ' of {$5600.00}, proving Capital One has the cash and has not forwarded it to the state. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX officially emailed the formal Notice of Release for this levy to XXXX, and Capital One confirmed verbal receipt of this release on the morning of Tuesday, XX/XX/XXXX. Capital One 's frontline agents are now stating they will freeze 100 % of my protected net wages for up to 10 business days under an automated system placeholder. This is a severe federal consumer compliance violation under the Consumer Credit Protection Act and is causing immediate, catastrophic financial hardship. I need an immediate executive manual override to release my {$5600.00} available balance. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: IL

Complaint narrative:
On XX/XX/year>, an unauthorized charge of {$1800.00} was made to XXXX on my PayPal virtual debit card. I have never had a XXXX account and never authorized this transaction. This is clear fraud. I filed a dispute on XX/XX/XXXX with PayPal ( case XXXX XXXX and it has now exceeded PayPals own 10 business day resolution window with no resolution. I have contacted PayPal multiple times via chat and was told to keep waiting. I have requested provisional credit due to serious financial hardship but have received no response. I am requesting immediate investigation and reimbursement of {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
I sent transfer VIA Remitly and cancalled due to bank issue by receiver I immeditly cancel Transfer on XX/XX/XXXX or XX/XX/XXXX ( they dont give any info exact date ) as of XXXX XX/XX/XXXX my money still with them I called once on XX/XX/XXXX they said it takes 10 businessdays to refund which i waited Today XX/XX/XXXX I called they said its systems did not cancal and their system shown its cancalled they give me reason which does no make any sense I ask to refund so I can wire to them but they dont give me any answer today is XXXX day i sent tranfer and they are not taking caring the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
In XX/XX/2026, I applied for ONLY a checking account with Current Bank. I received a card in the mail and put it in a drawer, as I assumed it must have been a debit card and I had no intention of using it. Then I noticed a while later a new credit card on my credit report with Current Bank ( sometimes shows up at XXXX bank instead of Current but it's Current on my credit report ). I looked up this problem online and numerous other people in different groups/platforms posted that Current had done the same deceptive practice to them. One gentleman in one of my social media groups said that he had successfully challenged their fraudulent practices with the CFPB, so that was encouraging. I called Current and had, what I assume is a RECORDED PHONE CALL with them in which the phone rep promised me that not only would they close my card but that the card and credit check would be removed from my credit report altogether, as I 1.Never authorized a credit pull 2. never authorized or applied for a Current/XXXX credit card 3. adamantly do not want and never wanted and did not know I had a credit card with this deceptive entity. Not only did the phone rep 's promise not turn out to be true, but I disputed the account and credit pull with all three credit unions and Current has refused to remove this ( now closed and never-applied-for ) card from my account -- so I am asking for your help, CFPB. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I opened a Cash Management Account with XXXX XXXX using the promotion code XXXX. The XXXX promotion offered a cash bonus of {$1000.00} for bringing in {$20000.00} of new assets within 45 days and then bringing in an additional {$230000.00} of assets within 90 more days. I fulfilled the terms of the offer by bringing in {$20000.00} of assets on XX/XX/year>, and a further {$230000.00} of new assets by XX/XX/year>, which was within 90 days of XX/XX/year>. On XX/XX/year>, XXXX paid me a cash bonus of only {$400.00} instead of the {$1000.00} that I am entitled. The same day, XX/XX/XXXX, I called XXXX to explain the error and they assured me they would escalate it for an exception. Weeks later on XX/XX/year>, I still had not heard back from them. When I called to inquire about the status of the the exception request, they informed me that it had been denied and they cited criteria that wasn't met ; however, this criteria appears no where in the terms & conditions of the offer. They refused to re-consider the exception request even after acknowledging that the rationale they used for denying the request isn't in their published terms & conditions.

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: Possible Financial Inc
State: PA

Complaint narrative:
Ive been tryin to reach out to possible finance for months. Regarding this matter they put on my credit I tried calling emailing and they have a bot that answers there email I havent received nothing back I sent in all my information and as well as Emailed and mailed the information that was needed to rest my case of fraud. They put the account beck on my credit and wont explain why i tried to contact the credit bureau nothing they said contact them how do they response to the credit bureau but wont respond to me? I attached Again my fraud alert FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
CUSTOMER MADE PAYMENT OF XXXX AND XXXX XX/XX/year> CHASE PLACED 3-7 DAY HOLD ON FUNDS FOR ABSOLUTLEY NO REASON AND WITH ALL LEGAL DOCUMENTS REQUESTED AFTER 15 DAYS ON HOLD FOR NO REASON, I REFUNDED ONE OF THE TRANSACTIONS ( XXXX ) BECAUSE THE CUSTOMER REQUESTED TO JUST PAY ME IN CASH INSTEAD, XX/XX/year> I CHARGED XXXX THAT WAS DEPOSITED IN MY ACCT THE NEXT LEADING ME TO BELIEVE THE XXXX WAS THE ONLY TRANSACTION IS QUESTION, XX/XX/XXXX ON A XX/XX/year> I CHARGED XXXX IT WAS ALSO PUT ON HOLD WITH THE XXXX I SENT A EMAIL TO THE XXXX EXPRESSING HOW DISRESPECTED I FELT AND HOW THIS IS AN ABUSE OF AUTHORITY AND MY ACCOUNT WAS CLOSED AND AND ALL THE MONEY WAS PUT ON HOLD FOR 120 DAYS WITH NO INFORMATION ON WHERE THE MONEY WOULD BE DEPOSITED/ MAILED NOTHING AFTER ASKING FOR A SPECIFIC REASON FOR THE CLOSURE I WAS TOLD THAT CHASE CAN NOT DIVULGE SUCH DETAILS AND EMAIL THEIR APPEALS XXXX XXXX I EMAILED ALL DOCUMENTS XXXX STILL NO RELEASE OF FUNDS OR RESPONSE BACK TO APPPEAL

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I deposited the check using their app on ( Friday the XXXX, it was after XXXX XXXX ) where I take a picture of the check. The check is issued by the state of georgia, the tax rebate check. Because my account balance is in the negative they put a hold on it. I was not notified of this until Tuesday the XXXX This policy is not stated anywhere on their website, in the PDFs I can download, and I was not aware of this policy until they told me after the fact. I was counting on that money to feed my kids, I could have simply taken the check to XXXX and have it cashed and avoided this entire scenario. They put a hold on it even though the check is guaranteed to come through because it is issued by the state of georgia. There is no risk to the bank. I went to the bank to speak to a branch manager, and was told by a teller that the branch manager would not help me and they were in a meeting and could not meet with me. Furthermore, when I was reading through their policies and I was trying to find anything about their deposit policies, the PDF file I can download from their website says that I need to reference another PDF file on their website that does not seem to exist called " Bank services agreement ''. I can not find it anywhere. Truist 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
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I am filing a formal dispute regarding a severe, punitive deferred interest charge of {$1600.00} applied to my store credit card account by Synchrony Bank. My promotional financing period expired on XX/XX/year>, leaving a remaining promotional principal balance of {$1300.00}. On XX/XX/year>, I contacted Synchrony Bank customer service, escalated the call to multiple tiers of management, and explicitly offered to pay the remaining principal balance of {$1300.00} in full immediately over the phone in exchange for a goodwill waiver of the deferred interest. Synchrony Bank flatly refused to accept my immediate full principal payoff and insisted on enforcing an interest penalty that actually exceeds the entire remaining product balance, causing XXXX financial hardship. I have kept this account in good standing and made my monthly minimum payments. Enforcing a 100 % interest penalty over a minor deadline oversight is predatory. I request a goodwill reversal of the {$1600.00} interest charge so that I may pay off my actual furniture debt of {$1300.00} and close the 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 monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: OH

Complaint narrative:
I was under the impression when the debt was paid that it would be removed from my credit report, and it has not been. Now they will not respond to my phone calls after leaving several voicemails since the debt has been collected. I am a XXXX XXXX veteran and this ONE collection is stopping me from obtaining a mortgage, and they will not even give me the courtesy of a call back. I have also filed a dispute with the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: UT

Complaint narrative:
I am a public servant who has been trying to resolve a severe PSLF payment count error for over four years ( XX/XX/XXXX ). I am XXXX XXXX XXXX and am trying to resolve this so I can safely plan for retirement. I have held federal student loans for my XXXX and XXXX degrees since the early XXXX and entered repayment around XXXX. Between XXXX and XXXX, I paid approximately {$9000.00} to {$10000.00} annually while working in qualifying public service. My loans were serviced by XXXX and potentially other servicers during this timeframe.I have since successfully consolidated into a Federal Direct Loan to utilize the One-Time Account Adjustment. However, my PSLF tracker completely omits a massive block of my historical data. Specifically, my payment counts are missing the exact period from XX/XX/XXXX to XX/XX/XXXX. I filed a formal PSLF Reconsideration Request in XX/XX/XXXX and have received zero communication or updates. Because the automated tracking system is failing to apply the retroactive account adjustment to my older servicer history, I am requesting an immediate manual audit of my account, an update to my qualifying payment count, and a review for an overpayment refund for the months exceeding my 120 required payments.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: 21ST MORTGAGE CORP.
State: IN

Complaint narrative:
XXXX is left owed on our trailer. I explained to the man at 21st Mortgage that I won't have the money for 2 weeks. Im on disability. I paid XXXX yesterday. It was all I have. This is our final payment. They called me a liar. You're lying. My husband will get paid in 2 weeks. I haven't miss3d any payments on this. We bought in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
First on XX/XX/year> I made a payment to XXXX XXXX bank for XXXX from my fifth third bank account the payment was made and then the fifth third bank take the money back from the card company or would not let the payment go through making me have to pay XXXX late fee for my card. Now the same thing is being done about my XXXX account. So on XX/XX/XXXX I paid XXXX to my account that I owe XXXX and made payment arrangement to pay XXXX on the XX/XX/year> and XX/XX/year> but I made the payment early. The bank statement shows I made the payment for XXXX and I talk to someone at XXXX before the XX/XX/year> trying to make sure they see that the payment was made early I chatted with a XXXX person. Now on my account it show that I owe XXXX plus XXXX I paid XXXX to the XXXX account and they have me in the negative saying I owe XXXX dollars to my account when it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
I borrowed {$500.00} they charged me $ for the 1 week loan, They said it was a credit check and if i paid it to day it will still {$1200.00}. This is robbery.

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