vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 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: WV

Complaint narrative:
Three unauthorized payments were sent from my PayPal account within two weeks : {$100.00}, {$55.00}, and {$79.00}. All three were sent to different people I do not know. I did not authorize any of these transactions. PayPal refunded the {$100.00} and {$55.00} transactions after investigation, confirming they were unauthorized. However, they denied the {$79.00} transaction even though it matches the exact same fraud pattern. I changed my PayPal password and followed all recommended security steps, yet the unauthorized activity continued afterward. I was then blocked from logging in with the message Were having trouble making sure its you, while unauthorized transactions were allowed through. My case for the {$79.00} transaction was closed with no option to appeal. An appeal was later submitted without my full statement, and it was denied again. I am requesting that PayPal : 1. Reopen and refund the {$79.00} transaction 2. Conduct a full security review of my account 3. Remove all trusted devices 4. Restore my account access

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2026, I initiated a {$5000.00} USD transfer from my TD XXXX account to my TD U.S. account. I was told the transfer would take approximately 2448 hours. The transaction was marked as completed on the XXXX side and I received a reference number, but the funds did not appear in my U.S. account. After the expected timeframe passed, I contacted TD XXXX and was told the transfer had completed successfully on their end. I then contacted TD U.S. multiple times and was informed the funds are being held under a compliance review, but no clear reason, timeline, or formal status update was provided. The status remained completed instead of showing pending or delayed, and I was not informed in advance that a compliance hold could delay the funds beyond the stated timeframe. I was also not given an estimated resolution time despite repeated requests. This delay caused financial harm, including rent payment penalties, and I was not given timely or transparent communication to allow me to take alternative financial action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit
State: CA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Reference Number : XXXX Prior Collection Reference ( XXXX XXXX ) : XXXX I am responding to the companys prior submission because it did not address the substance of my dispute. My dispute is not about the existence of a balance. It concerns the accuracy and propriety of a charge and its reporting, specifically : - A damage charge related to a rear tail lamp was assessed approximately 68 months after I returned the leased vehicle. - At the time of lease return, I followed the required process, including scheduling a third-party inspection in accordance with lease procedures. - Prior to that inspection occurring, I was explicitly instructed by a dealership representative at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to cancel the inspection and proceed with same-day return and new vehicle delivery. I relied on that representation. - As a result, I was not provided a contemporaneous inspection, notice of damage, or an opportunity to inspect or dispute the alleged damage at the time of return. If the charge had been disclosed at or near the time of lease return, I would have :- addressed the issue directly at significantly lower cost, or - incorporated it into the lease-end or new transaction negotiation. Instead, the charge was asserted months later and is now being reported as a valid delinquent obligation. The companys prior response did not address : - why the charge was assessed months after return, - what inspection or documentation exists from the time of return, - what notice was provided to me at that time, or - how reporting this as an accurate delinquency complies with the Fair Credit Reporting Act ( FCRA ) given the above. I am requesting a reasonable investigation under FCRA, including : 1. Documentation of any inspection performed at or near the time of lease return 2. Documentation of when and how notice of the damage was first provided 3. The specific basis for reporting this account as accurate and delinquent despite the disputed timing and process 4. The method of verification used to confirm this information This matter has resulted in significant credit harm ( approximately XXXX point score decrease ). Continued reporting without addressing the above raises concerns regarding accuracy and compliance. I am seeking correction or removal of the tradeline if the information can not be verified through a reasonable investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: FC HoldCo LLC
State: MI

Complaint narrative:
I requested records related to my vehicle loan account and repossession after my vehicle was repossessed from my apartment complex on or about XX/XX/year>. I requested : complete payment/account history repossession documentation repossession company information copies of all notices sent to me address information used for notices reinstatement/redeem amount information deficiency balance and sale/auction information communication/account servicing records related to the repossession I was transferred back and forth between customer service and the reinstatement department. One department stated customer service could provide records, while customer service later stated they do not provide account records and could only provide payment history and the contract. I was also told my address was not available, which is confusing because the vehicle was repossessed directly from my residence/apartment complex. I have still not received complete repossession/account documentation despite multiple requests and conflicting information from representatives. I am requesting that the company provide the requested records and clarify what address information was used in connection with the repossession and notices.

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 2026-05-07 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/year> I ordered XXXX bags of dog food and XXXX count packs of XXXX XXXX XXXX from an online company called ( XXXX ). After placing said order, I printed out the receipt and waited for conformation email with tracking #. I did not receive any conformation or tracking # and there was no way to contact merchant or cancel the order by phone or website. On XX/XX/year>, about XXXX hours after placing the order I contacted my credit card company, ( Citi bank ) and requested a stop payment sighting the above-mentioned concerns and my strong feelings of a scam being perpetrated. The XXXX company opened a dispute # XXXX, I am not sure how long after I received an email from my XXXX company stating that I was in possession of said order and that the dispute was resolved that I owed the charges. I responded immediately informing Citi rep that I had not received anything and requested tracking # of order so I could trace order where abouts. The Citi rep would not give me the tracking # stating some kind of privacy concerns, I explained that this was my tracking # for my order, to no avail. finally, after multiple phone calls a Citi rep gave me said tracking # XXXX, this was on XXXXXXXX more than a month from the order date. After tracking the order, I found that it had been addressed to a mailbox at XXXX XXXX XXXX store, and had been picked up by the box holder, who denies receiving package. On XXXXXXXX my XXXX XXXX sent me another email asking for documentation, so on XXXXXXXX I faxed a copy of the tracking information as reported by U.S.P.S and a copy of the merchants/ my receipt clearly showing the delivery address as my home address and a letter explaining everything. Now today XXXXXXXX my XXXX XXXX company sends me an email stating that due to a conflict where I had tried to cancel the order and now, I have brought the fact that said order was mis labeled and delivered to an address other than the shipping address on my receipt, that this somehow constitutes a legal transaction of which I am obligated to pay.

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 2026-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Village Capital & Investment LLC
State: TN

Complaint narrative:
Village Capital & Investments, LLC, who we have our current mortgage with, initiated a new VA loan application to refinance our current mortgage ( VA loan ) without our consent. I called them on XX/XX/year> after received a loan application in the mail. Village Capital & Investments, LLC initially did not provide much information over the phone and asked that I email a copy of the loan application we received via USPS mail and the two emails received beginning XX/XX/year>. After sending the documents, they replied confirmed they initiated an application without our consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I attempted to pay off my account however their system would not allow more than {$12000.00} for the ACH payment. I paid {$12000.00} and intending to pay the balance after the next due date which was XX/XX/XXXX. I attempted to pay the balance today, XX/XX/XXXX in the amount of {$1900.00}, however their system is blocking me still. I called their support ( Operator XXXX ) and was told I would have to wait 30 days to make an ACH payment, or I could use my debit card which came with a service fee. They are preventing me from paying off my car loan. My option is to accrue more interest as I wait the 30 days for an ACH payment, or have to pay a service charge which is not acceptable. They are preventing me form paying off my account with out additional fees or interest and this is unacceptable and assuming against consumer rights and fair business practice. I will be filing a complaint with consumer affairs as well. Unfair business practice not allowing customer to payoff loan without accruing interest by waiting for ACH limit to reset or using alternate payment method which comes with a fee. I have attached a screenshot of the payoff amount I attempted to make and the reply message declining my ability to payoff this loan without additional fee or interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo sold my mortgage to XXXX XXXX on XX/XX/XXXX. I got a letter in mail in XX/XX/XXXX saying my mortgage will be up to foreclosure if I dont pay {$3400.00}. This is incorrect thinking my mortgage is accurate. Contact XXXX XXXX to see whats going on and they said I was 3 months behind because Wells Fargo reported I didnt make payments for XX/XX/XXXX and XX/XX/XXXX during the transfer. Wells Fargo is stealing people money and laying behind close doors. I have proof of all payments made and I emailed them to XXXX XXXX in XXXX and XXXX XXXX, nothing have be done. Contacted Wells Fargo and I sent them proof and argue with them. Something needs to be done with Wells Fargo they are crooks. They need to undate my payments and I have proof all payments was made. When I made payments to XXXX XXXX in XX/XX/XXXX. Wells Fargo requested that payment to be returned to them for XXXX payment and now as XX/XX/XXXX. XXXX XXXX said Im behind 3 payments including XXXX payment. This is ridiculous. Please help and XXXX. I have bank statements and letters from the bank. Nothing is working with both parties

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 2026-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I entered a XXXX installment payment plan with XXXX XXXX for XXXX XXXX procedure totaling {$3500.00}. The procedure was NEVER performed. I was unable to proceed due to a diagnosed anxiety and panic disorder. My treating physician provided a written letter confirming I was medically not ready for the procedure. I notified the clinic within approximately XXXX weeks of signing the contract. Between XX/XX/XXXX and XX/XX/XXXX I made the following payments : - XX/XX/XXXX : {$310.00} ( down payment ) - XX/XX/XXXX : {$310.00} - XX/XX/XXXX : {$310.00} - XX/XX/XXXX : {$310.00} - XX/XX/XXXX : {$310.00} - XX/XX/XXXX : {$310.00} - Total paid : {$1900.00} On XX/XX/XXXX XXXX XXXX refunded only {$2000.00}, which represents solely the future payments remaining. They kept my {$1900.00} already paid for a procedure never performed. I have filed a dispute with XXXX bank for all XXXX payments. I also sent a formal written demand to XXXX XXXX requesting full reimbursement. I am requesting a full refund of {$1900.00} for services never rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
MY PAYMENT IS DUE ON XXXX XXXX. I MADE THE PAYMENT ON THEIR WEBSITE ACCOUNT ON XX/XX/XXXX. WITH A BANK ACCOUNT-XXXX XXXX AND TODAY I NOTICED THAT THE {$140.00} WAS NOT DEDUCTED FROM MY CHECKING ACCOUNT SO I LOG IN TO FIND OUT WHY AND DISCOVERED THAT THEY WROTE ON XX/XX/XXXX {$140.00} ADJUSTMENT PAYMENTS {$140.00} AND {$30.00} RETURNED CHECK CHG, NO CHECK CAME TO MY BANK, CALLED XXXX XXXX AND XXXX TOLD ME THAT THEY DON'T KNOW ANYTHING ABOUT IT, NOR THAY THEY DENIED ANY PAYMENTS, MY CREDIT IS EXCELLENT AND I GOT ENOUGH FUNDS TO COVER THIS PAYMENT. THIS COMPANY PLAYED THE SAME GAME BACK XXXX, I CALLED AND IT WAS DIFFICULT BUT THEY REFUNDED THE {$30.00}, FROM THAT TIME ON I ALWAYS PAID WITH MY DEBIT CARD, THE REASON I PAID THIS TIME WITH A CHECK IS BECAUSE I ALSO PAID FOR XXXX CREDIT CARD THAT ARE ON THE SAME LOGIN, NO PROBLEM WITH THE PAYMENT TO XXXX. I CONTACTED THE COMPANY THIS MORNING AND THE LADY WITH SYNCHRONY TOLD ME THAT THIS OCCURS WHEN THE CUSTOMER HAS CONTACTED THE BANK BEFORE THE ACH IS PRESENTED FOR PAYMENT AND THE CUSTOMER REQUESTED A STOP PAYMENT. I DIDN'T STOPPED THE PAYMENT AND SHE DIDN'T KNOW WHO DID ITSO I SAKED HER TO REFUND THE {$30.00} AND SHE REPLIED THAT SHE WAS SORRY BUT HOWEVER THERE IS NO OPTION FOR HER TO WAIVE THE FEE ON PAYMENT RETURN. I ALREADY MADE THE PAYMENT FOR {$140.00} THIS MORNING WITH MY DEBIT CARD AND THE PAYMENT IS DUE ON THE XXXX SO I AM 13 DAYS AHEAD. THE ISSUE HERE IS THAT THEY PLAY THIS GAME AND DONE IT BEFORE WITH ME AND ALSO WITH MY HUSBAND WITH ROOMS TO GO BUT THE SAME BANK AND HE IS ALSO PAYING WITH DEBIT CARDS. I WAS READING ON XXXX AND OTHER CUSTOMERS ARE EXPERIENCING THE SAME ISSUE. THANK IN ADVANCE FOR TAKING CARE OF THIS MATTER.

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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/year>, I deposited a scholarship check from my employer into my Bank of America account in the amount of {$3000.00}. When deposited my account was overdrawn {$110.00}. I later learned the scholarship funds were intended to be paid directly to my school for tuition. After the deposit, Bank of America closed my account and placed a hold on the funds. Since then, I have been in communication with both my employer and the issuing bank regarding recovery or return of the funds. My employer has also contacted Bank of America directly regarding this matter. Despite multiple communications over several months, I have not received a clear explanation regarding : - The current status/location of the funds - Whether the funds were returned to the issuing bank - Why the matter remains unresolved since XX/XX/year>- When the funds will be released or returned This unresolved issue is affecting my ability to pay tuition and continue my education. I am requesting a formal investigation and written clarification regarding the status of the funds and a timeline for 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 explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: KY

Complaint narrative:
I received an email on XX/XX/year> thanking me for opening a XXXX account- this had my name, address, and email on file. There was a phone number associated ( XXXX ) which is not my phone number. I also did not open this XXXX account. However, when I contacted the company to alert them of this fraud and close the account, they refused to do so without me providing them the last XXXX digits of my SSN. I refused and they then refused to delete the account, to remove the fraudulent phone number, etc. I have since been forced to freeze my credit with all XXXX major bureaus and am now filing complaints with the FTC and CFPB. I would like for the XXXX account to be closed immediately. Their website is moneylion.com

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 2026-05-07 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: TX

Complaint narrative:
I am filing a formal complaint against my loan servicer, Solar Servicing LLC, for unfair billing practices and a direct violation of the FTCs " Holder in Due Course '' Rule ( XXXX CFR XXXX ). The servicer continues to collect full payments for a residential solar system that is defective, while the original installer has gone out of business, leaving me with a broken system and an abandoned XXXX warranty. Schedule of events : XX/XX/XXXX XXXX installed by XXXX XXXX, financed via Mosaic. XXXX included a XXXX production and workmanship warranty. Early XXXX XXXX ( XXXX ) solar panels became completely non-operational. System output dropped significantly below contracted levels. XX/XX/XXXX Submitted formal warranty service request to XXXX XXXX for the failed panels. XX/XX/XXXX Scheduled technician visit. The technician failed to arrive. XX/XX/XXXX Discovered XXXX XXXX ceased operations and abandoned all consumer warranties. XXXX Solar Servicing LLC of the dispute. XXXX Solar Servicing LLC continues to bill the full loan amount without offering hardship holds, principal adjustments, or dispute resolution. Under the XXXX XXXX XXXX " Holder in Due Course '' Rule, any holder of a consumer credit contract is subject to all claims and defenses that the debtor could assert against the original seller. Because XXXX XXXX sold me a system with a warranty they are no longer honoring, and because the system is partially inoperable, I have a valid legal defense against the enforcement of the full debt. Solar Servicing LLC is legally responsible for the failures of the seller up to the amount of the loan. By ignoring the system 's failure and the loss of the warranty, Solar Servicing LLC is engaging in unfair loan servicing practices and enforcing a debt that is formally in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: Branch Messenger, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, my XXXX driver account was compromised by someone impersonating an XXXX representative. Without my authorization, an Uber Pro Card ( Branch ) was opened in my name, and my weekly earnings were redirected from my bank account to this card. The funds were immediately used for unauthorized purchases at XXXX totaling {$600.00}. I never had physical possession of the card, nor did I authorize the payout change or the transactions. I filed a dispute with Uber Pro Card ( Branch ), case number XXXX, and provided an approved police report from the XXXX XXXX Police Department ( case number XXXX ) documenting the fraud and identity theft. Despite submitting all evidence, including the police report, my claim was denied on XX/XX/year>. I was not notified by email ( letter ) and only discovered the denial by checking the Uber Pro Card app. The denial has caused significant financial hardship, as these funds represent my earned income.

Company response to consumer: Closed with explanation