vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
XXXX for XXXX XXXXHonda Financial lease dispute + wrongful repossession ( XXXX ) XXXX Hello, Im seeking representation regarding a lease dispute and wrongful repossession involving my XXXX XXXX XXXX. 

Vehicle/lease info Vehicle : XXXX XXXX XXXX Dealer : XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL ) Lease start : XX/XX/XXXX XXXX : Acura Financial Services ( Honda Financial Services ) I initially had a New Jersey drivers license and paid NJ taxes at the time of signing. 

Tax/payment increases In XX/XX/XXXX, I transferred my license and registration/plates to Illinois ( XXXX ) XXXX My monthly payment increased by approximately {$100.00} due to XXXXIllinois tax changes. 
Im now being told my monthly payment is increasing again by an additional ~ {$12.00} for more taxes, and XXXX requesting a clear written itemization and explanation of these changes. 

XX/XX/XXXX Wrongful repossession / recovery error XXXX XXXX placed my account in recovery in error and my vehicle was repossessed even though I was only one payment behind. 
On the day XX/XX/XXXX my next payment was scheduled to come out, XXXX XXXX locked my account, repossessed the vehicle, and later returned it to me at no charge on XX/XX/XXXX @ XXXXXXXX XXXX  CST. 
XXXX XXXX admitted over the phone that the repossession was done in error. I can provide the dates/times of calls, any reference numbers, and supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
On XX/XX/year> at XXXX XXXX I was contacted by a debt collector operating under the name XXXX XXXX XXXX XXXX XXXX XXXX They called me concerning a debt from a previous landlord in the amount of {$6400.00} and had offered to settle the debt for roughly {$5100.00} instead of the full amount. I expressed to them that I could not afford to pay them {$5100.00} in the form of a settlement and that their offer was not satisfactory or financially feasible for me to pay. The representative on the phone then proceeded to mock me by offering to lower my debt by {$1.00} in response to my comments concerning my inability to pay the offered settlement amount. 

I hung up the call after the rude comments made by the representative on the phone and after a few minutes I called back at XXXX XXXX to inquire about the interest they had added on top of the debt. They were very rude and began to ask me about the calculations I had done concerning the interest they were adding on to the debt and after a few minutes of back and forth conversation the representative told me Im making a choice and then proceeded to hang up on me without resolving the matter concerning the added interest to the debt itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
My Vanilla Visa prepaid card with a balance of approximately {$400.00} was locked without any explanation or notification. I am a minor, so I do not have utilities or bills in my name, and the company has refused to provide any alternative verification options even after I explained this multiple times. 

The card is still physically with me, and I have never reported it lost, stolen, or fraudulent. It has now been over 2 months with my funds frozen and no replacement card issued, no written notice, no email, and no valid explanation. 

I have contacted customer support multiple times, and they continue to stall while withholding my funds. This is extremely unreasonable and has caused financial harm. 

I am requesting immediate release of my funds or issuance of a working replacement card. I am also requesting that the company provide a clear reason in writing for the freeze and stop refusing minors reasonable alternatives for address verification. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Dear Consumer Financial Team, I am writing to formally request assistance with an ongoing issue related to my business checking account. 

I opened my business checking account approximately three weeks ago and, as of today, I have not received my debit card. This delay has made it difficult to manage normal business operations, as I have regular business bills that need to be paid. 

Due to not having access to a debit card, I have had to rely on ACH transactions, each of which carries a {$10.00} fee. These fees are being incurred solely because the debit card has not yet been issued or delivered. 

I have contacted customer service several times regarding this matter. While the representatives have been polite, I have only been advised to wait longer and have not received clear information about the status of my debit card or a realistic timeline for delivery. 

I am requesting : An update on the status and delivery of my debit card Assistance in reducing or reimbursing the ACH fees incurred due to this delay I value clear communication and timely access to my business account, and I hope this matter can be resolved promptly. I appreciate your attention and look forward to your response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am filing this complaint regarding PayPals permanent deactivation of my account without providing a clear explanation or evidence of wrongdoing. 

I was recently notified by PayPal that they are no longer offering PayPal services for my account due to unusual activity they cant support. No specific transactions, policy violations, or examples were provided. My account was permanently deactivated without warning. 

I have been a long-time PayPal customer and have consistently used my account in good standing, primarily for legitimate freelance work. PayPal has been a critical payment platform for my business, and this action has caused significant disruption. 

After receiving the notice, I contacted PayPal customer service multiple times seeking clarification. Customer service representatives were unable to : Identify any specific transaction that triggered the ban Explain what unusual activity occurred Cite any specific policy violation Provide a meaningful appeal or review process I was told only that the decision was final, with no details or evidence provided. 

I believe this lack of transparency and refusal to explain or properly review the decision is unfair and unreasonable, especially given my long history as a compliant customer. 

Desired Resolution : I am requesting : A formal review of my account by PayPal. 

A clear and specific explanation of the reason for the permanent deactivation, including identification of any transaction or policy allegedly violated. 

Reinstatement of my account if no actual violation is found, or written documentation clearly explaining why reinstatement is not possible. 

I am not seeking compensationonly transparency, due process, and fair treatment as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, NY XXXX XXXX Bank of america currently has an agreement with XXXX  XXXX for the withdrawlof money at the teller. I am also a bank of america customer for the past 6 months after having a negative encounter with a teller at this branch the branch has been discriminating and refusing to provide me with service. Everytime I go there including today XX/XX/XXXX th at approximately XXXX XXXX  the tellers tell me they are not doing the transaction on the machine. They refer to it as the machine for international cards. Everytime for the past 6 months I go to this branch they always turn me back refusing to allow me to do business telling me the machine isnt working when they dont tell me the machine is not working they claim they have no batteries for the machine. When i brought it to the attention of the rep XXXX today that everytime I come to this branch the machine is always down and this has been ongoing for the past 6 months she crudely remarked maybe I should go elsewhere then at advised me there is another branch thag closed at XXXX XXXX at XXXX XXXX. That would mean the branch was already closed. She also informed me she remembers me as I have been here multiple times and she has told me to try another branch before. This clearly means this branch has it out for me and is discriminating. I would like the issue resolved.

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
On XX/XX/year>, fraudulent charges were pending to my PayPal mastercard credit card account. The system flagged them as fraudulent and I called the XXXX  department on XX/XX/XXXX, as instructed and confirmed they were indeed fraudulent. I didn't make those purchases, I didn't allow anyone to use my card, my card information was somehow stolen and used fraudulently. A new card was issued, but the fraudulent charge of XXXX was allowed to post on XX/XX/XXXX even though it was reported as fraud while it was still pending. 

I have called the company multiple times, including on the XXXX, XXXX, and XXXX of XXXX attempting to resolve these fraudulent charges. Agents keep telling me it's being fixed or that a credit is being posted, only for this to end up being false. I have been lied too repeatedly. Nothing has been fixed. They canceled and resent new cards multiple times, but the initial fraudulent charges keep getting transferred to the new card. Even though that charge was reported as fraudulent before it even posted. 

Their system worked enough to catch that there were fraudulent charges, but then they still let the fraudulent charges go through. What's the point of their system flagging fraud if they don't actually stop the fraud?

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
I opened an Ally banking account because it had the option to use XXXX. I tried to transfer money through XXXX after I created the XXXX account and I was instantly locked out of my account with no access to my money. I called customer service and they were asking me very personal questions. I understand if they think there is fraudulent activity, but they didn't let me verify my identity. Instead they were extremely stand offish and rude and would not give me any information as to why I was locked out of my account and my money being withheld from me!! I was told a specialist would be contacting me a few minutes after our call was over, but nobody ever ended up contacting me. I called them back today to see what was going on because I need my money and it was the exact same process as yesterday. I stayed on the phone for over an hour with Ally for absolutely nothing to be done. They ended the call the same way as before saying to keep an eye on my phone because a specialist would reach out soon. I still have not received any call from a specialist. I have no answers as to why my account was locked and I have zero access to my account. This is ridiculous! How can they just decide to keep my money from me? Isn't that theft? Especially since they have no option to securely verify my identification so I can regain access to my account and 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 non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Complaint Against : Affirm , Inc. and XXXX I am filing this complaint regarding a financed loan through Affirm for an educational program sold by XXXX. 

Affirm paid the merchant approximately {$3000.00} upfront. The program was officially terminated by agreement on XX/XX/XXXX, and I no longer had access to the service after that date. Despite the termination, the merchant has kept the full financed amount and is refusing to cancel the remaining balance. 

The merchant advertised a full refund or full cancellation if the program did not work out. They are now refusing to honor that promise by claiming a 6090 day participation requirement, even though the service was terminated after only 45 days. This position is contradictory, as they claim I used too much of the program while also claiming I did not use it long enough to qualify for the refund or cancellation they advertised. 

I did not request a cash refund. I only requested that the remaining financed balance be cancelled, since the service was terminated and no further value was provided. 

I have contacted the primary owner, XXXX XXXX, and have not received a response. All communication has been with the co-owner, XXXX XXXX, who denies responsibility despite the merchant being paid upfront. 

Affirm denied my dispute by stating the merchant followed their refund policy, but Affirm did not adequately consider the service termination, lack of ongoing access, or the merchants unjust enrichment. 

I believe this constitutes unfair and deceptive practices and unjust enrichment, and I am requesting that Affirm be required to investigate properly, pause collections, and hold the merchant accountable for cancelling the remaining financed balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
PayPal permanently limited my account without providing a specific reason, stating only that my account presents a risk. This account was used for my business, and the closure has disrupted my ability to accept payments. I repeatedly requested clarification or escalation but was told no further information would be provided. I am not asking for details about PayPals security systemsonly an explanation related to my own account and confirmation that PayPal followed its own User Agreement. I am requesting transparency, a review of the decision, and release of any held funds if applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX my husband deposited a check into our account via mobile deposit. The check was placed on hold and we received a letter stating the funds would be available in a few days. We then later saw that we could not use our debit card OR our prepaid credit card and we received a letter stating the account was placed on hold but no other information was provided to us. We called the bank and no information was given telling us to wait on a letter that we never received. We then went to the branch and they told us the account was placed on hold because they flagged it as fraud, which it is now. We gave them a letter from the company who wrote the check letting them know the check is legit and no issues whatsoever. It is now XXXX XXXX and the account is still on hold and the funds are not available. We are not given any other information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Financial Services
State: IN

Complaint narrative:
I am filing a complaint regarding Consumer Financial Services ( XXXX XXXX XXXX XXXX, XXXX, IN XXXX ) and the delayed processing of my auto loan payment. 
On XX/XX/year>, I sent a check for {$5300.00} to pay off my loan. 
Despite this, on XX/XX/year>, my regular loan installment was still charged. I called the company on that day, and they told me they had not received any payment. 
I called again on XX/XX/year>, and only then did they realize they had the check. They said they would process the payment. 
On XX/XX/year>, I called again and was told the payment still had not been processed, and it would be ready by XX/XX/year>. 
On XX/XX/year>, I called once more because the payment still had not been processed. After pressing them, the payment was finally processed on the morning of XX/XX/year>, and they issued a check for the excess amount due to interest overcharges. 
This delay caused significant inconvenience and raised concerns about proper handling of payments and refunds. I request that the CFPB investigate this matter and ensure that the company processes payments timely and accurately and that I receive all funds owed without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CredHub, Inc
State: GA

Complaint narrative:
I just found out today through XXXX  XXXX XXXX that there was a fraudulent claim on my record stating that and rental debt was owed in the amount of {$4700.00}. I have no knowledge of the company or who might have opened it I do have a guest that it might have been a close family member that I am no longer close with. I do have a few inquiries that worried me greatly. For instance, I had car notes that were taken out of my name, but I have never owned a car before off the lot. I have only brought cash cars Ive never had any problems with my debt. I dont open loans. I dont do things that I know I cant because I knew one day soon that I would be starting a mortgage. I have had to clear my name for everything from card notes open with our permission as well as spectrum as well as lights even being in my name while I was a minor I was forced to pay these debts and I usually would be upset about it and just take care of it because I want to have my family secure and to get things off my name, but this is a very high day and I feel like at this point Im just being taken advantage of. I was even emailed by Experian just a few years ago about how I was a part of their breach. But I responded too late to get a part of the settlement. My goal get approved for this home that Im looking for to owning rightfully in my name. I need this rental debt removed. I have reached out to the credit hub that was attached to my XXXX XXXX. I have even frozen my credit through the bureaus and monitor it very closely now that I know I identity theft is a real thing. I dont wan na just say names, but I do know for a fact that people have been taking advantage of me and I need to start reaching out and reporting these things so that we can somehow stop or add another layer of security on using my name from here on out because this isnt the first time that I have been accused of owing a company I never heard of or used. My wallet has been stolen so many times XXXX cant even keep up with it. My purse has been left in the car and my old homes where I thought I was secure and I come back in my things are gone. Ive made reports but damage is done. They have what they wanted. Please be careful not to leave your Social Security card and birth certificate in your cars. Be careful not to leave your purse laying around and lose it even if you get your belongings back more than likely, your personal information has already been taken. I know I wrote a book in this Comment box, but I wanted to make sure I didnt leave anything out and hopefully people can learn from my bad luck now Im stuck with rental debt that I never owed are open In Car history when Ive never owned a car off the lot or even rented to or applied for one. My dad has always taught us to buy cash cars. Ive only possessed cash cars. This was a crazy experience. Be careful. Keep your personal documentation in the house in a lock box.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
I made my XX/XX/XXXX payment and it was received and processed on XX/XX/XXXX. XXXX applied it in whole to the principal with out reflecting the monthly payment as made. When I sent my XX/XX/XXXX payment, they received and processed that on XX/XX/XXXX as my payment for XX/XX/XXXX and sent me a late fee notice for my XX/XX/XXXX payment. This is an ongoing issue with XXXX not applying payments properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FULTON FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was given a {$250.00} XXXX XXXXXXXX debit card from XXXXXXXX XXXX XXXX XXXX  was subsequently acquired by Fulton Bank. Fulton Bank is no longer honoring these debit cards and I am unable to use it. Fulton Bank was non-responsive when I spoke with them over the phone.

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