vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Complaint Against : American Express Product : Credit Card / Billing Dispute Dispute Reference Number : XXXX Description of Issue : I am filing this complaint because American Express has failed to correct a billing error for {$120.00}, despite the merchant ( Booking.com ) admitting in writing that the refund is due and claiming to have processed it. I am currently caught in an administrative deadlock where the bank refuses to investigate, and the merchant claims the bank already has the funds.

Timeline of Events : XX/XX/year> : I purchased a " Fast Track '' pass from XXXX for {$120.00}. The service was not delivered on time, rendering it useless. 

XX/XX/year> : XXXX agreed to a refund. They claim internally that this refund was processed on this date. 

XXXX XXXX : The refund never appeared on my Amex statement. I disputed the charge ( XXXX XXXX ). 

XX/XX/XXXX & XXXX, XXXX  : I contacted XXXX again. Their agents explicitly stated the refund was " successfully processed '' on their end ( Transaction Ref : XXXX ). However, this reference number appears to be an internal order ID, not a valid banking Acquirer Reference Number ( ARN ). 

XX/XX/year> : Amex closed the dispute in the merchant 's favor, stating " The expected goods or services have not been received '' was not a valid reason or that the merchant had already addressed it. Amex reversed the provisional credit. 


Current Status : Amex refuses to reopen the dispute because it is " Closed. '' XXXX refuses to re-issue the refund because their system shows it as " paid. '' The Unfair Practice : American Express is in violation of the Fair Credit Billing Act ( FCBA ). I have provided chat logs where the merchant 's representatives ( agents XXXX XXXX and XXXX XXXX ) explicitly confirm that : A refund of XXXX XXXX  ( {$120.00} ) was intended. 

They believe it was sent. 

Since the credit has never posted to my account, this is a " Credit Not Processed '' error. Amex has accepted the merchant 's " internal confirmation '' of a refund as proof, without verifying if the funds actually settled. 


I attach the chats with Booking.com where the representative XXXX XXXX says : " The refund was processed on XXXX XXXX itself '' and provides the Ref ID XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I received several text messages like the one below. I don't have an account with this company. 

Visit XXXX XXXX XXXXXXXX or call XXXX to take advantage of payment options on your outstanding balance of {$670.00} for your Genesis XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX account XXXX 

Pay : - {$130.00} in up to 4 monthly payments. 80 % off, that's a savings of {$540.00}! 
- Payments as low as {$50.00} - {$670.00} in up to XXXX payments - XXXX time payment of {$670.00} This text is from XXXX XXXX, a debt collector. Reply stop to opt-out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
Ive had my account for years using it to send money to friends & family, & then making normal payments like going out to XXXX or something. I go to my Cashapp app yesterday & it prompts me to login, which I did. Once logged in it pops up a message that my account is being close due to something that goes against their guidelines. Wont provide me why, or what happened, I asked to speak with corporate they only provided me their basic customer service line. Called the number customer service people & they cant even speak good enough XXXX where you can actually understand them & they probably dont understand you. The people WERE NOT listening to me & kept reading their script not listening to what I say. Then refuse to let me speak with a manager or higher up. Ive gotten XXXX information as to whats going on with my account. MIND YOU I have my other personal accounts linked to my cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: DISCOVER BANK
State: GA

Complaint narrative:
Ive been making payment via autopay and Discover is not making the credit available. I called to ask why and was told my account was suspended. I was not notified about any suspension. Ive been making payments and should have available funds of {$560.00} for use. Not making funds available defeats the purpose of having revolving credit. Taking my payment month after month and withholding corresponding available funds violates my consumer protection laws under the Truth in Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

I dispute the validity of this debt and request full validation. Please provide the following : 1. The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges 2. The name and address of the original creditor 3. Copies of any documents bearing my signature that show I agreed to assume this debt 4. Proof that you are legally authorized to collect this debt in my state 5. A complete payment history of the alleged account Until you provide the requested validation, you must cease all collection activity, including reporting or verifying this account with any consumer reporting agency.

If this debt has been reported to any credit bureau, please note that it is disputed.

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX 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 2026-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IN

Complaint narrative:
I paid a rental application fee of {$250.00} using my Cash App XXXX. The merchant accepted payment but never reviewed my application, never issued an approval or denial, and never communicated with me despite multiple attempts to contact them. 

I disputed the charge as service not rendered, but Cash App denied the dispute stating the merchant fulfilled their obligation, without providing documentation that any review or service occurred. 

I am requesting that Cash App provide evidence that the service I paid for was actually rendered, or issue a refund if no such evidence exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint regarding Capital Ones handling of my direct deposit and its early direct deposit feature.

My scheduled payday is Friday every two weeks. Capital One regularly provides early access to direct deposits as a courtesy, and I typically receive my paycheck one day early on Thursday. Based on this consistent practice, I have reasonably relied on early access.

For the pay period in question, my employer did provide to me earlier then my typical pay period. Due to a national holiday, payroll was released earlier than normal. This is operationally different from Capital One offering early deposit as a courtesy Despite receiving payroll earlier than usual, Capital One chose not to release the funds early and instead holding fund until Friday, XX/XX/XXXX. ( Which they have not clearly stated I will even receive at that time ). 

When I contacted Capital One, I was told the delay was due to tax implications between XXXX and XXXX. This explanation did not clearly explain why early access was withheld despite earlier payroll release or how this situation differed from prior pay periods. 

Capital One appears to rely on ambiguity between an employer paying early and a bank choosing to release funds early. In this instance, Capital One retained discretion over fund availability and exercised that discretion inconsistently with prior practice. 

I respectfully request a clear explanation of the policy that prevented early access in this case and clarification of how early direct deposits are handled during holidays and tax-year transitions. Other financial institutions have not practiced this and have provided funds to their customers. What makes Capital any different. It also appears they benefited from holding funds as a tax/interest benefit for them and not their customers.

Based on past practices, Capital One is known to operate in the gray area and have failed to provide clear communication and transparency to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: Sezzle Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I discovered that my payment method was associated with a Sezzle account that is not in my name and that I did not open, authorize, or consent to. I do not have a Sezzle account. 

After discovering this issue, I contacted Sezzle on XX/XX/year> to dispute the matter and reported that my payment method was being used on an account that does not belong to me. I requested documentation explaining how my payment information was added to this account and proof of authorization. Sezzle failed to provide valid authorization or documentation and attempted to justify the association without evidence. 

At no point did I authorize my payment method to be used for any Sezzle account or transaction. The continued use of my payment information on an account not in my name constitutes unauthorized use of my financial information and reflects inadequate safeguards against fraud. It is against Sezzles own policies to allow transactions from a payment method that does not match the name of the account holder. 

I am requesting that Sezzle : XXXX. Immediately remove my payment method from the unauthorized account XXXX. Provide written confirmation that my payment information has been fully removed XXXX. Disclose how my payment information was obtained and used without authorization XXXX. Correct any related records XXXX. Issue a full refund for any charges applied to my payment method This complaint is being submitted for regulatory review and documentation. My attorney will be in touch.

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

Complaint narrative:
On XX/XX/year>, I paid XXXX XXXX using my XXXX debit card for laptop parts and an upgrade/installation service. During the service, XXXX XXXX admitted negligence that resulted in the destruction of my original laptop beyond repair. 

As a result of their admitted destruction of my property, XXXX XXXX provided a replacement laptop and refunded only a separate diagnostic/service fee of {$54.00}. However, XXXX XXXX did not refund the charges for the parts associated with the failed service to my PayPal debit card, amounting to {$270.00}. 

Instead of refunding my original payment method, XXXX XXXX refunded their own internal store card and then charged that same store card again when processing the replacement laptop. My PayPal account never received a refund for the parts. I did not authorize XXXX XXXX to retain my funds, apply them toward a replacement, or use them in any manner other than issuing a refund back to my original payment method. 

Under basic consumer protection principles and card network rules, when a paid service fails due to merchant fault, the customer is entitled to a refund of the associated charges, and that refund must be issued back to the original payment method unless the customer provides explicit authorization otherwise. No such authorization was ever given. 

The replacement laptop was provided as compensation for the destruction of my property. It was not payment for the failed service and was not issued in lieu of the refund owed for the parts. These are separate obligations. Providing replacement property does not authorize a merchant to retain a customer 's funds without refunding them properly. 

I attempted repeatedly to resolve this matter through PayPals dispute process. PayPal repeatedly misclassified my dispute, issued contradictory denials, and incorrectly relied on the refunded diagnostic fee to claim the entire transaction had been refunded. Multiple PayPal representatives verbally acknowledged that the parts were never refunded, yet my case continued to be denied for shifting and inconsistent reasons.

At no point was a refund for the parts posted to my PayPal debit card. I provided receipts, transaction records, and written communications demonstrating the original charges, the merchant 's admission of fault, the separate diagnostic fee refund, and the absence of any refund for the parts. Despite this, PayPal has refused to correct the issue or credit my account, effectively permitting the unauthorized retention and use of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
I am writing to respectfully request that my previously closed CFPB complaint regarding my federal student loans serviced by Aidvantage be reopened for further review.While Aidvantage provided a response through the CFPB portal, the issues raised in my complaint were not substantively resolved, and material discrepancies remain outstanding.Specifically : The payment histories provided by Aidvantage list total payment amounts by loan, but do not provide a consolidated, per-date reconciliation of total funds received.The dollar amounts Aidvantage reports as received do not align with the actual withdrawal amounts reflected on my bank statements for the same dates.Aidvantage has acknowledged my inquiry is under review but has continued to require payments and allow interest to accrue while the dispute remains unresolved.My request for temporary administrative relief during the investigation was not addressed in a meaningful way.The response relies on general servicing explanations rather than reconciling the specific discrepancies identified.As a borrower, I am unable to independently verify that all funds withdrawn from my bank account were fully received, correctly allocated, and properly credited to my loans. This is the central issue of my complaint and remains unresolved.Because the response provided does not reconcile payment discrepancies or address the inconsistency between Aidvantages records and my bank statements, I believe the case was closed prior to a fair and complete resolution.I respectfully request that the CFPB reopen this case to allow for : A complete payment reconciliation review, Clarification of inconsistencies between reported payments and bank withdrawals, andConfirmation that all payments were accurately applied in compliance with federal servicing requirements.Thank you for your time and consideration. I appreciate the CFPBs role in ensuring transparency and accountability in federal student loan servicing and look forward to your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CMG Financial Services, Inc.
State: ME

Complaint narrative:
I am in the middle of starting my own business, and was in process of purchasing a gas station. Previously I was under a special forbearance from XX/XX/XXXX to XX/XX/XXXX, and paid the account in full on XX/XX/XXXX. I now am under a second special forbearance on XX/XX/XXXX. My account is now current. on XX/XX/XXXX XXXX Mortgage reported my account being XXXX  days past due, even though it is not. This action has caused me about {$5.00} million in damages from the sellers pulling out of my gas station deal, and the loss of application on a XXXX XXXX loan and a XXXX loan, and now being unable to pay employees. When I asked for rapid escalation, a letter of correction, and for a resolution... the response was for me to provide CMG a court summons for that information on a recorded call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I was supposed to close on my house with PennyMac on XX/XX/XXXX. They delayed closing and it was moved to XXXX at XXXX. The day of closing, after they had already cleared me to close, they decided not to allow me to close. The reasoning they gave was because when I left my home in Texas in XX/XX/XXXX, I didn't move into another home in Georgia. They were questioning why I moved into an apartment or " temporary space '' instead of to the house I was applying for. My issue is, they had that information prior to closing, so why wait to the day I'm to close to bring this issue to me. This also caused me to miss the deadline for the XXXX XXXX XXXX XXXX for XXXX, as well as cleaners and contractors I had booked to behind working on the house the weekend of XX/XX/XXXX.

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

Complaint narrative:
I am a consumer with perfect credit whose personal account was permanently limited by an automated system without cause. PayPal is currently withholding my balance of {$100.00} for XXXX  days. I am not a merchant ; these funds consist solely of verified consumer rewards from platforms such as Receipt Hog and XXXX club. 
PayPal has failed to provide a XXXX ID or a specific reason for this limitation, and their automated support system prevents me from speaking with a human representative to resolve the error. I have already provided my government-issued ID and proof of my reward activity to their Executive Office . I am requesting an immediate manual review to restore my account or, at minimum, the immediate release of my {$100.00} balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Received multiple texts about debt collections of a charter account but its for a different person. When I open the link to check the debt it has a different name not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
My husband, XXXX XXXX XXXX ' social security retirement funds were deposited and made available as it should be. However, my husband and I went to XXXX to purchase seating for our home and each transaction was declined. We used his card but the bank shows only my card being denied. XXXX and others at the bank continually over rule our decisions though our accounts are all in goodstanding, especially, our checking account. Someone keeps removing my data and inserting someone else with my husband 's data. My husband XXXX XXXX XXXX and myself XXXX XXXX XXXX have been married for over XXXX now with no separation and these people are using our identities for insurance benefits, Social Security Benefits and Credit benefits. My husband is retired, XXXX on Sunday, XX/XX/XXXX. I'm medically retired due to multiple XXXX XXXX, XXXX, mild XXXX prior to XX/XX/XXXXXXXX, Respiratory problems all due to XXXX. I use an insulin pump. Medical Negligence and malpractice is a major resource for my conditions. I was left untreated for XXXX and almost died. The XXXXXX/XX/XXXX refused me my workers XXXX benefits though I worked XX/XX/XXXX years. I also have a XX/XX/XXXXXXXX abnormality and sustained damage as a child after being electrocuted. I know there's ignorant thieves that think this situation is funny here in XXXX NY and everyone of them should be removed from their positions. Thank you for your assistance with this matter. XXXX called the bank fraud line and they unblocked his card but refused to unblock my card at our request. We are an interracial married couple that has been experiencing racism, especially by the bankers. XXXX at XXXX XXXX applied for a mortgage in our names without our consent at XXXXXX/XX/XXXX XXXX and XXXX XXXX kept tampering with our checking account at XXXX bank not paying our payments, etc. until we closed our goodstanding account. We were forced to close our goodstanding account at XXXX, XXXX Bank for NO valid reason. They called and told us to close our account or they would close it and keep the money. Our home is Homeowners occupied residence XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Home XXXX Mobile XXXX paid in cash from the net proceeds of our previously owned XX/XX/XXXX home that we worked and purchased honestly. We paid for both homes in XXXX sale to Open Door in XX/XX/XXXX We are not in a bankruptcy and after sustaining my medical conditions, we filed a XXXX bankruptcy XX/XX/XXXX & XXXX debt via the judge was XX/XX/XXXX. We've paid mostly everything.

Company response to consumer: Closed with explanation