vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I have an auto loan with Santander with an APR of 17.03 %, which is excessively high for the vehicle and my payment history. Despite consistent on-time payments, my principal has barely decreased and remains at {$9000.00}, which is not consistent with normal amortization for a loan of this size. 

Santander has also added unexplained {$20.00} fees to my account, increasing my balance without proper justification or disclosure. 

In addition, Santander has repeatedly reported or marked payments as late or missed that were actually made on time. I have contacted them multiple times to correct these errors, and although they claimed to have reviewed the account, the inaccurate payment history has still not been corrected. This has affected both the loan balance and my credit, and it suggests improper servicing practices. 

The combination of the high APR, minimal principal reduction, added unexplained fees, and the ongoing issues with misapplied or inaccurately reported payments raises serious concerns about whether this loan is being serviced in a fair, transparent, and compliant manner. I am requesting a formal review to ensure the loan terms, interest application, fees, and payment reporting comply with federal consumer-lending standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 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: NV

Complaint narrative:
Company : PayPal Amount in Dispute : {$1300.00} Issue Type : Unauthorized transaction / Funds not returned Complaint Description : I am filing this complaint regarding XXXX  failure to return {$1300.00} that was taken from my PayPal balance as part of a disputed transaction. 
In February of XXXX, a {$3100.00} charge was made through PayPal to a merchant ( XXXX ) that wasn't as described. At the time of the transaction, I had approximately {$1300.00} in my PayPal balance. PayPal used my PayPal balance first and then pulled the remaining funds from my linked bank account. 
I immediately disputed the transaction with PayPal. PayPal denied the dispute. I then disputed the bank portion of the transaction with my bank, and the bank approved the dispute and refunded the portion taken from my bank account. This confirms that the transaction itself was invalid. 
However, PayPal has never returned the {$1300.00} taken directly from my PayPal balance. 
For several months, PayPal repeatedly told me the funds were being reviewed or traced, and that I would receive an update. I relied on XXXX statements and continued following up in good faith. PayPal delayed resolution for months and failed to take timely action. 
Now, after more than a year, PayPal is refusing to return my {$1300.00} solely because they claim the dispute window has expired. This is unfair and unreasonable because : I disputed the charge promptly I consistently followed up for 78 months The delay was caused by XXXX internal handling, not by me Part of the same transaction was already refunded by my bank, proving the charge was not legitimate. 
PayPal is effectively keeping my personal funds due to their own delays and failure to resolve the issue within their stated timeframes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
I deposited a legitimate XXXX XXXX check for {$1000.00} into my E * TRADE checking/savings/brokerage account via [ mobile deposit. The funds initially cleared and were available in my account. 
Shortly afterward, E * TRADE suspended/restricted my account without prior notice or clear explanation, and the {$1000.00} was returned/removed from my account. To this date, my account remains suspended, and I have no access to it or any remaining funds. 
I contacted XXXX XXXX ( the issuer of the check ) to verify the status. They confirmed that the check cleared successfully, was fully paid, and was not returned to them. They advised me that if ETRADE claims the funds were returned, ETRADE should provide the trace numbers for the return transaction so XXXX XXXX can investigate further. E * TRADE has not provided this information to me despite my requests. 
I have attempted to resolve this directly with E * TRADE multiple times through customer service/phone/email, but they have not restored access to my account, released the funds, or provided a satisfactory explanation. 
This has caused me significant financial hardship, as I am unable to access my legitimate money. I believe E * TRADEs actions are unfair and may violate consumer protection rules regarding deposits and account restrictions.

I request that E * TRADE immediately restore full access to my account, return the {$1000.00} ( plus any interest or fees owed ), and provide a full explanation with documentation of any alleged return of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I was charged XXXX by XXXX XXXX XXXX XXXX  in XXXX XXXX. The following day, I was charged XXXX by the same company. I was traveling in XXXX XXXX at the time, but my card was not lost or stolen and I did not make these purchases. 

After I initiated a fraud complaint, Chase refunded the money to my account. Several months later, the charges have reappeared on my current statement. I spoke on the phone with Chase who told me to reopen the fraud claim, which I did. Today, I received an email saying that the case had been closed with their decision that the charges were legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX  XXXX at XXXX I get a text from chime fraud alert about a transaction. I replied back that it was fraud an that NO it was not me using that card.jan XXXX at XXXX am I get a reply that the transaction was blocked and no funds were pulled from my account. Yet funds were pulled from my account in the total of {$100.00}. I disputed the transaction and waited for the time frame for investigation but they determined it to be fine. It's not fine someone stole my card and I had all mine reissued because of this incident and I still don't have any cards XXXX days later. I tried calling customer support but the tell.me there is nothing they can do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
On XX/XX/year>, I received an email that appeared to be from XXXX XXXX XXXX, regarding a past-due account. The email used XXXX XXXX XXXX branding and language, creating the false impression that the communication was directly from XXXX XXXX XXXX. 
I later discovered, by calling the number listed on the email, that the email was actually sent by Sunrise Credit Services, a third-party debt collector. Although I could possibly owe the underlying debt, Sunrise Credit misrepresented its identity by impersonating the original creditor rather than clearly disclosing that it is a debt collection agency. 
This conduct is deceptive and misleading and caused confusion regarding who was contacting me and who currently owns or services the debt. 
Sunrise Credits actions violate the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e Prohibits any false, deceptive, or misleading representation in connection with the collection of a debt.

15 U.S.C. 1692e ( 9 ) Prohibits the use of written communications that falsely represent the sender as being affiliated with another business, including the original creditor.

15 U.S.C. 1692e ( 10 ) Prohibits the use of any false representation or deceptive means to collect or attempt to collect a debt.

Debt collectors are required to clearly identify themselves as debt collectors and may not pose as the original creditor, even when the debt is valid.

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 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding Westlake Financial Services and an auto loan account on which I am listed as a co-signer. This account is currently reporting as an open auto loan on my credit report, and it is preventing me from being approved for a vehicle in my own name. 

The primary borrower is my sister, who is in possession of the vehicle and responsible for the payments. I am not using the vehicle, yet Westlake continues to report this account as if it is my active loan.

I have contacted Westlake requesting either a co-signer release or guidance on refinancing the loan into the primary borrowers name only. However, the account is still reporting as open under my credit profile, which is causing financial harm and blocking my ability to obtain transportation for work and daily life.

I am requesting that Westlake Financial : Remove me as a co-signer from this account, OR Ensure the loan is refinanced into the primary borrowers name only, and Correct the credit reporting so this account no longer appears as an open auto loan under my credit. 

This situation is directly impacting my financial stability and ability to move forward. I am asking the CFPB to assist in getting this matter resolved promptly and fairly. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
XX/XX/XXXX VISA Dispute with Wells Fargo CASE # XXXX COMPLAINT # XXXX Wells Fargo Autograph VISA Card ( last 4 digits XXXX ) {$260.00} XX/XX/XXXX Merchant : XXXX XXXX XXXX, XXXX On XX/XX/XXXX while on vacation in XXXX, XXXX I visited the above merchant and purchased XXXX XXXX  XXXX  that were to be shipped to me in the US ( XXXX, Utah ). I paid for a portion of the charge with my above mentioned VISA card issued through Wells Fargo, and the rest of the charge with US Dollars. 
{$260.00} Visa Charge {$260.00} US Dollars The lamps were mailed to me, however what I received is not what I ordered. I spent hours trying to resolve this with the merchant to no avail. I have 20 pages of documentation. Wells Fargo contacted me for information on the dispute however I was told that they did not need documentation to support this. There is a big difference between providing information and providing documentation. 

My claim was denied. I do not believe that Wells Fargo acted prudently to resolve this for me their client. 

Wells Fargo did not process this dispute correctly, and it was denied by the merchant bank without proper documentation, and now I just get the run-around from several different departments and individuals at Wells Fargo .

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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: TomoCredit Inc.
State: MI

Complaint narrative:
Tomo credit paid XXXX dollars for a credit line of up to XXXX XXXX never got approved got an email got any type of credit never got a card a decision on anything they offer all kinds of things in the vip monthly or yearly membership paid for the month XXXX didn't get a email back a response took my XXXX then canceled my account tried to get me to reactivate it by paying more money they have scammed many people I want to start a class action lawsuit or be the first to make them pay im seeking XXXX for lieing about everything they offer and what they promise to teach them a lesson the name of the company is tomo credit and my name is XXXX XXXX I paid for vip XXXX for a month got nothing in return but asking me for money to reactivate an account I never deactivated in the first place just asked where my card was and credit limit and everything they promise on the vip account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
On XXXXXXXX  I got a call from a company called Velocity Investments LLC on behalf of XXXX XXXX, the call was from a private number. The person on the phone was extremely aggressive and threatened to sue me if I didnt pay $ XXXX immediately. When I requested the details they wouldnt tell me anything and asked for my social security number. This same company is now calling my husband and other family members asking for my address and telling them that they are suing me. They are claiming that they have reached out multiple times but I havent received any calls, emails or letters from them before the first time they contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
Although this complaint is filed under debt collection, it involves illegal credit reporting activity, including reinsertion of previously deleted accounts and unauthorized collection attempts. 
I am disputing the following accounts in their entirety : XXXX Account deleted from my credit report on XX/XX/year>, but subsequently reinserted without notice or validation. 
XXXX Account deleted from my credit report on XX/XX/year>, and I recently received an unauthorized email from Jefferson Capital Systems attempting to collect this debt, despite never providing my email or consent and never receiving proper validation.I have never subscribed to their email or website and never provided consent for electronic communication, and I never signed any contract or agreement with them.The email includes an unsubscribe link, which is irrelevant since I never opted in. 
Jefferson Capital Systems has : Attempted collection on accounts I do not legally owe Reinserted previously deleted accounts, violating my rights under FCRA XXXX ( a ), XXXX ( b ), XXXX ( b ) Engaged in deceptive or unfair practices under FDCPA XXXX, XXXX, and XXXX Contacted me using personal information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On Thursday XX/XX/year>XXXX  I attempted to make a {$10000.00} wire transfer to my son to used for his wedding expenses. He has a Citibank account so it was to be an intrabank transfer, which is what we thought would be the most secure way to do it. In two separate attempts the Citibank system blocked me from the transfer. 

I called customer service and although the representative was very cooperative, we were unable to get the transfer to go through. A second representative took over the call and was also unable to achieve the desired result. Although I was hesitant to do so, I finally agreed to try using XXXX ( which I consider a less secure method ). I did a test amount, {$100.00}, which succeed, so I sent another {$4900.00} ( XXXX maximum is {$5000.00} per day ). There were multiple failed attempts to send the second payment, but after multiple assurances to Citibank that it was a legitimate transfer, it went through. 

On the morning of XX/XX/year>, I attempted to transfer an additional {$5000.00}. Again, it failed, with the same XXXX error I'd been receiving. I called customer service again, it was cleared, I tried again with the agent on the phone, and it failed again. I was again connected to a second agent and informed that I was frozen out and could not make any more attempts. It was suggested that I either withdraw the cash from an ATM or write a check. Seriously! 

I understand the safeguards needed to minimize fraud, but I spent three hours on the phone and made a dozen attempts to transfer MY MONEY - following all the rules. The customer service people did the best they could to help me and to assuage my growing frustration, but to no avail. Is this the world we live in now? I can't even use my own money?

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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I opened a Destiny Credit card account with Concora credit in XXXX of XXXX. I was able to use the card a couple of times and then they stopped allowing me to use it. When I called to inquire as to why, I was told that it was because they wanted to verify that it was me trying to use the card. I told them that it was. They then asked me a series of verification questions that included questions of information that either did not pertain to me or that I did not remember from 20 years ago or more. I was then told not to worry that I could submit my ID documents ( State issued license ) and after they verified it that the account would be unlocked. I have submitted my license twice since then only to be told both times that it wasn't valid. The first time would have been earlier this month, and the last time was on XX/XX/XXXX. I called them to follow up the first time I uploaded the ID on XX/XX/XXXXXXXX  and again on XXXX.The first time I was told it was because the date of birth was wrong on the license which I know is not true and confirmed the date of birth they had on file. This time I was given no explanation and told to submit another ID or Passport and told that I could not speak with anyone in the department that does the verification.Today I spoke with a supervisor in the customer service department named XXXX. I have submitted legal and valid forms of ID twice and am still locked from using my account. I have a copy of my ID that was sent if needed. I can not provide email receipt of me sending it because Concora uses a weblink for you to directly upload documents. But I received verbal confirmation that the ID was received both times. I was able to log into my account the other day, but I just tried to log in today and it appears that after trying to get help on the phone with them they have restricted access as well there, so I can't even see my account information or pay the bill online.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XX/XX/year>, I received an email from Capital One informing me that my pre-approval status may have changed and requesting a check. Following the email 's instructions, I submitted my application and successfully received approval for a Quicksilver Secured Credit Card that same day. I then deposited a {$300.00} USD security deposit as instructed and received another email on XX/XX/XXXX confirming that my security deposit had been successfully cleared. On XX/XX/XXXX, I received another email informing me that my card had been mailed and was expected to arrive on XX/XX/XXXX. However, by XX/XX/XXXX, I still hadn't received the card. Upon logging into my Capital mobile app, I discovered that they had closed my account on XX/XX/XXXX. Capital One, since you decided to close my newly approved card on XX/XX/XXXX, why did I still receive an email notification on XX/XX/XXXX that the card had been mailed? If you assessed me as ineligible for your card, why did you proactively invite me to apply? Why was my application still approved after I filled out my personal information? As a law-abiding citizen, I strongly suspect that you are only collecting my personal information illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
XX/XX/XXXX, I did a international transfer of XXXX XXXX  Then a few weeks later I messaged and they told me it was pending after it said it would arrive the next day. XXXX rolls around it still hasnt transferred, I message and ask Revolut says their partner bank is holding it. I ask for a reason and a timeline of release I get no real response just them saying theyre working as fast as they can! I tell them this is for a rent payment and if it doesnt arrive or get refunded to me I will be put out of my accommodation because Im traveling, they refunded me that transaction fee of XXXX dollars. Still its been now 55 days since the transfer and the money has not been made available, they are working with the partner bank called XXXX XXXX who is just holding onto my funds with giving me no information, its now XX/XX/XXXX! I need to pay for a hotel so I need those funds back and they said they reverted it and it shows up on my bank statement but not in my actual account and still no time given. So I told them if I dont get this transfer back I will be sleeping outside and theyve done nothing but say sorry and offer no solution.

Company response to consumer: Closed with explanation