vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I am filing a complaint regarding PayPals handling of a transaction dispute involving a fraudulent seller. I purchased an item through XXXX and paid using PayPal. The seller never delivered the item to me. Instead, they uploaded a tracking number showing delivered, but this tracking number is not associated with my name or my address. I contacted the carrier, XXXX, and was informed that they can not verify delivery to my address because I am not the listed recipient on that shipment. This confirms that the tracking number provided by the seller is not tied to me. Despite this, PayPal denied my dispute and subsequent appeal solely because the tracking shows delivered, without verifying whether the package was actually delivered to my address. PayPal failed to require the seller to provide proof of delivery to the correct recipient, which is a fundamental requirement in resolving item not received claims. This appears to be a known fraud scheme where sellers provide unrelated tracking numbers that show delivery within the same zip code, but not to the actual buyer. PayPals process allowed this fraudulent activity to succeed by accepting insufficient proof of delivery. I am requesting that PayPal : Reopen and properly investigate my claim Require valid proof of delivery to my name and address Issue a full refund for the transaction PayPals refusal to properly investigate this matter has resulted in financial harm and a failure to protect consumers from a well-documented scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nathan & Nathan, P.C.
State: MS

Complaint narrative:
I have a XXXX XXXX debt on XXXX, i paid a lot interest XXXX dollar a months, when XXXX I lost my support and no have a work, I contacted them to lower my interest rate per month, they didn't, the bank sue me to the court, I went to the court and said I paid a lot interest over a year and my debt only XXXX, so they don't " low my interest then the account closed, and sent to the debt collector, At XXXX I got a work, the debt collector name XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AL XXXX sued me again and ashamed me over my job that i have a debt, I contacted the collector address above and said them on XXXX that let me sent money per months to them by myself cause I want to be sure that the money will be get in to them, they only want me to pay off over XXXX on XX/XX/XXXX, they don't even want to low off or only a little bit and my boss said to me not worried that she can garnishments my income every months,. but now my debt went up to XXXX dollar, cause my boss garnishments my income and not sent money to the debt collector from XXXX XX/XX/XXXX total amount of XXXX XXXX I want to complaints about how debt that sue to the court and still have more interest so they want me to can not pay them or what, this is will be bad and terrible but lucky that I can pay off on and I sent money on my part already of XXXX dollar, wait on the money of work company check that mailed but on this world is all electronic and technology but how the work place not let the debt ACH from her bank, she did a XXXX and want to keep money over a year, as she said to me in XXXX, her mother have a lot garnishments and could not mailed every months, I asked how much for pay off cause I want to pay off, then XXXX dollar, and I have sent out my part XXXX dollar and the debt collector already got my money paying by online, waiting on my boss to sent her part of money but she mailed check, I don't understand why she don't pay over the phone to XXXX the money of my garnishments of my income and now the debt collector still want on her duty to sent my check but the debt need to get the money end of this month for the offer pay off that I don't " know that she mailed or not mailed, I only hear she said to me mailed on XX/XX/XXXX and yesterday XX/XX/XXXX the debt collector not get the money yet,. I want to help the financial of the bureau, how to report or get my interest back, cause this is not my fault to have to be pay more in the old debt that already closed off and please close off my debt of the discover out of my credit report casue I already sent my part of my money and the debt can fixing to get them part of the work by themself

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
Deposits totaling {$2400.00}, checks in amounts of {$700.00}, {$1700.00}, mailed to Goldman Sachs on XX/XX/XXXX. Deposits don't appear received as of today, XX/XX/XXXX. From past experience, Goldman Sachs does not appear to post deposits when received, it appears they post after check deposits clear, however, I can not be sure. I request Goldman Saks look into this matter, attempt to locate deposit..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: NC

Complaint narrative:
I am submitting a complaint against XXXX XXXX XXXX XXXX regarding a XXXX XXXX account ( Account Number : XXXX ) for an alleged balance of {$270.00}. This is my second complaint. In my first complaint, the agency responded that they would cease all collection activities and stop reporting this account to the credit bureaus. However, this statement was not true. The account remains open and is still being reported on my credit report. Additionally, I have contacted the agency multiple times requesting documentation related to this debt. Each time, they promised to send the documents via email, but I have never received anything. I believe this behavior is misleading and unfair. I request that this matter be investigated and that appropriate action is taken to ensure the account is properly resolved and removed from my credit report. Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I am an active-duty servicemember deployed overseas with a VA-guaranteed mortgage serviced by CMG Financial ( subserviced XXXX XXXX XXXX ). Since XX/XX/year>, I have filed XXXX CFPB complaints documenting repeated servicing failures including blocked principal-only payment access, an unauthorized insurance substitution, and an unresolved escrow dispute. That averages roughly XXXX complaints per month over 8 months, an unsustainable burden for any borrower and an unreasonable one for a deployed servicemember with limited telecommunications access. CMG provided contact information for XXXX XXXX, VP of XXXX XXXX XXXX XXXX ( XXXX ), but XXXX XXXX has acknowledged he lacks direct account authority because Cenlar controls day-to-day servicing. He is an intermediary, not a resolution contact, and my complaint volume has not decreased. Under 38 C.F.R. 36.4350, VA servicers are required to maintain adequate servicing procedures and provide borrowers with responsive, accessible points of contact. 38 C.F.R. 36.4311 prohibits conditions that impair a veteran borrowers ability to manage their VA loan. 12 C.F.R. 1024.35 and 1024.36 require servicers to acknowledge and respond to borrower error notices and information requests within defined timeframes. 50 U.S.C. 3901 et seq. reflects Congresss intent that deployed servicemembers not be disadvantaged in managing financial obligations due to their service. Requiring a deployed borrower to file a federal complaint to obtain any substantive response violates both the letter and spirit of these protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am reporting a failure by XXXX to conduct a reasonable investigation into a fraudulent transactions on XX/XX/year> for {$78.00} and {$110.00}. I have disputed these charges twice and have been denied. The banks sole reason for denial is the presence of a 'secure chip ' ( XXXX XXXX XXXX XXXX ). However, I am a victim of an XXXXXXXX XXXX XXXXk. My physical card never left my possession, but the signal was relayed in real-time to a remote merchant terminal. The bank is incorrectly assuming that a valid dynamic cryptogram proves my physical presence. I was not at the merchant location at the time of the charge, and the bank has failed to provide any evidence ( such as video or signature ) linking me to the transaction other than the relayed chip signal. I am requesting a full reversal of the charge as required under the Fair Credit Billing Act for unauthorized use.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
I co-signed for my daughter 's apartment while she was in college and during the time of her lease the apartment was flooded. XXXX XXXX was found throughout the apartment and there was ongoing issues with plumbing in the unit. My granddaughter ( age XXXX ) slipped in the kitchen after the unit flooded again and required XXXX XXXX. This matter was taken to an attorney and XXXX XXXX Apartment agreed to a settlement on XX/XX/year> at which time the settlement ( General Release of claims ) stated the following : " For the release from current lease and nay outstanding charges '' the receipt and sufficiency of which is herby acknowledged, XXXX XXXX, for it self and its dependents, and representatives, does herby XXXX and forever discharge the Released party and its representatives, officers and employees from any all debts, demands, liabilities, claims, expenses, costs, damages, causes of action, of whatever nature, legal or equitable, known or unknown as of the effective date of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/2026, I paid {$150.00} through PayPal for merchandise that was never shipped or delivered. I filed a non-delivery dispute ( Dispute ID : XXXX XXXX through PayPal 's Resolution Center. During the dispute process, the seller confirmed on XX/XX/2026 that the order had not been shipped. I submitted this as evidence. The seller later made contradictory claims that the item had been delivered, but never provided any tracking number, carrier information, shipment notification, or proof of delivery. PayPal denied my appeal, stating only that the case was " processed correctly '' without addressing the lack of any verifiable proof of delivery. No tracking information was ever provided by the seller at any point. I have been a PayPal customer for approximately 20 years and specifically rely on their buyer protection policy for purchases from unfamiliar merchants. PayPal 's decision leaves me with a {$150.00} loss for merchandise I never received, despite clear evidence of non-shipment from the seller 's own communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Issue : Failure to honor promotional cashback offer I am filing a complaint against regarding a failure to honor a promotional cashback offer. On XX/XX/XXXX, I activated a Capital One Offers promotion for that required spending {$120.00} to receive {$50.00} cashback. I made a qualifying purchase of approximately {$160.00} on the same date using the provided offer link. I have a screenshot confirming the offer activation, including the reference ID ( XXXX ), as well as the transaction reflected on my XXXX billing statement. The terms state that payouts are typically issued within 45 days. However, as of the end of XX/XX/XXXX, I have not received the {$50.00} cashback. I have contacted Capital One customer service at least five times and escalated the matter to a senior manager, but no resolution has been provided and there has been no meaningful progress after 4 months of trying. This is a false advertisement that when such a big company try not to honor their promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2026-03-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Marcus Bank made adding Beneficiaries self-service online only where I'm encountering error to enter my son 's details. Customer Service mentioned over the phone that they can not help me with it over the phone! The issue is though every information of XXXX Beneficiary is accurate but encountering error while adding it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
My chime bank account was hacked and all my funds where transferred to another account, also a large my pay advance was withdrawn and transferred as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
First Citizens Bank moved up drastically on overdraft fees for all membership on XX/XX/XXXX. Was told by FCB Agent that they notified me back in XXXX of XXXX, I still dont believe it, but even if they did, that's too far away from XX/XX/XXXX. I called FCB and complained last Friday XX/XX/XXXX when I noticed I was having to bump more and more money into my joint shared account to keep it in the " safezone '' since considering I use a 3rd party app to help me do that. Only to see they went from a small fee of XXXX for overdrafts to XXXX and I then noticed they have made hundreds off of me just since XX/XX/XXXX taking differentfees of XXXX to XXXX dollars!!!! I requested a overdraft refund and was told to go to my bank in person that they couldn't help me over the phone then when I went in person I was told I had to call the same phoneline and claim all the overdraft fees as fraudulent then get my money back online. Only to be redirected and shut down the 2nd go around over the phone. Was gaslighted then and told that we were all notified in XXXX but again XXXX or XXXX I never received any such NOTIFICATION. THIS IS BORDERLINE FRUAD OR THEIVERY I wish to have ALL of my stolen money back from these fees. Especially bc of this last fact. This bank has the worst transaction processing platform ive ever seen. Taken 3 to 5 business days usually one and a half if your lucky and NONE of the transactions have the correct date as to which the transactions actually took place. Leaving available and current balances constantly inaccurate and making it routinely easy to fall negative so much so I had gotten used to the small fees and stopped checking the bank for them and just used a 3rd party app. Only bc I put money in there to help family!!! Until this XXXX. Im going to start watching like a hawk now. I would really appreciate it first you all could help me petition for my money back somehow. Or point me to what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
i was sent a collection notice - for {$67.00} - I have no idea what this is for and if its for an equipment i paid for in full!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC.
State: OH

Complaint narrative:
I financed XXXX treatment through XXXX and began making payments for services that were expected to be completed over time. However, XXXX ceased operations before my treatment was completed, and I did not receive the full services I paid for. Despite this, I am still being required to pay the remaining balance through Healthcare Finance Direct. I attempted to contact XXXX and have not received any response. I am disputing this debt because the services were not fulfilled. I should not be responsible for paying for incomplete treatment. I am requesting a full investigation of this account, proper validation of the debt, and adjustment or removal of the remaining balance. I also request that this account be reported as disputed to any credit reporting agencies during the investigation. Payment Plan ID : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I ask Huntington Bank for a history of my account. History from the day the account was open to the day it close. Also the bank store over XXXX dollars from my account. After i fount out they did put the money back. But i think these may have happen before. I need a history on the account so i can verify. Huntington Bank account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am filing this complaint because Bank of America has failed to properly investigate an unauthorized debit transaction of {$4600.00} ( Claim ID : XXXX ) on my account ending in XXXX. The transaction was not authorized by me. The merchant involved has provided " contracts '' and " documents '' to the bank as proof of the transaction, but these documents are fraudulent and contain a forgery of my signature. I have compared the signature on the merchant 's documents to my legal signature on my government-issued ID, and they do not match. Despite my reporting this as a case of forgery and unauthorized use, Bank of America completed their research on XX/XX/year>, and denied my claim without addressing the clear evidence of forgery. Under Regulation XXXX ( XXXX CFR XXXX ), the bank is required to conduct a thorough investigation. I am formally contesting the banks decision and the validity of the merchant 's documentation. I have requested the " Documentary Evidence '' the bank used to deny my claim and am prepared to sign a notarized Affidavit of 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 monetary relief