vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I refinanced my initial car loan with capital one in XXXX of XXXX. I provided capital one all documents on my end for them to secure the title. They noted it should be a month or so to receive. I never heard from them again so figured no news was good news. Fast forward to end of XX/XX/XXXX, my car was involved in an accident and deemed a total loss. My insurance company reached out to capital one to get the perfected title and a letter of payment guarantee to issue payment to pay off loan then provide me with the remainder of the amount to purchase a new car. My insurance company alerted me that capital one could not supply the required documents to which I immediately called Capital One. It was a hassle to get any information from them. I was hung up on XXXX times before calling a XXXX time to finally get any info. From what they've told me, they received a title with the incorrect spelling of the lienholder name in XXXX of XXXX from the DMV. It was flagged in their system that it was incorrect. Capital One did not take any additional action to rectify the situation UNTIL I called to ask what the hold up was which was beginning of XX/XX/XXXX. Now, I am getting the run around that they are trying to contact the DMV to understand what type of documentation is required to get this fixed but are unable to get in contact with the DMV which is continuing to delay the insurance claim. This is unacceptable. A auto finance company should not be uneducated in what the process is for getting a minor clerical error rectified with the DMV. This has now caused me financial harm by not being able to receive the payment for my insurance claim as well as caused me to incur fees for a rental car due to this delaying the insurance payment affecting quality of life/ financial security. Capital One is responsible for consequential damages. They are breach in their contractual obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am disputing an inaccurate collection account reported by Credit Collection Services XXXX XXXX XXXX, {$360.00} ). The original creditor confirmed that no balance is owed. I notified the furnisher directly by certified mail ( delivered XX/XX/year> ) and received no response. I then disputed the account with XXXX, providing documentation. The account was verified without any documentary proof being provided. The furnisher is continuing to report a debt that is not owed and has failed to reasonably investigate after notice. I request deletion of this account from all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: LA

Complaint narrative:
In the month of XXXX XXXX noticed several transactions I did not authorize this made me look into my account for the previous months from the date of XX/XX/XXXX until XXXX there were several /multiple charges made on my PayPal acct I did not make, my phone was stolen on XX/XX/XXXX and all of my information as well as all my online banking info was on my phone and being accessed by someone that was not me PayPal informed me that on XX/XX/XXXX someone called PayPal customer service and requested a transaction because it was being declined I did not contact PayPal XXXX XX/XX/XXXX. PayPal also informed me that they show login on my acct on several different states such as XXXX XXXX XXXX XXXX. I live in XXXX and have not travelled outside of XXXX at all. I called PayPal today XX/XX/XXXX to appeal the decision after learning all this new info and requested that they appeal this decision. The person I spoke to was name XXXX in PayPal fraud department, According to XXXX they would be filing an appeal and would contact me via email with the decision. The total amt of unauthorized transactions is over {$70000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a complaint regarding an unresolved ATM malfunction involving {$500.00} in cash that was retained by an ATM and never credited to my account. On or about XX/XX/year>, I attempted to deposit {$500.00} in cash at an ATM using my debit card. I inserted my card, entered my PIN, and selected the deposit option. The ATM opened the deposit slot, and I inserted {$500.00} in {$50.00} bills. Immediately after the ATM accepted the cash and closed the slot, the machine crashed and rebooted. After rebooting, the ATM displayed a XXXX home screen and never returned my debit card. The transaction was never completed, and no deposit was recorded in my account. The ATM retained both my cash and my debit card due to this malfunction. My debit card had to be replaced as a result. I reported the issue immediately and filed a claim with Navy Federal Credit Union on XX/XX/year>. I later provided additional documentation on XX/XX/year>. My claim was denied following investigation, and I received written correspondence dated XX/XX/year> stating that no billing error was found. I requested a second review, and on XX/XX/year> I was again informed that there was no overage found in the ATM and the matter was considered resolved. This conclusion does not account for the fact that the ATM malfunctioned before completing the transaction. In such cases, retained cash may not appear as a standard overage and requires review of ATM XXXX XXXX XXXX XXXX XXXX logs, error logs, card capture records, and device malfunction records. I am requesting a full investigation that includes review of : - ATM XXXX XXXX XXXX XXXX XXXX logs - ATM error and crash logs - Card capture records- Service and maintenance records for the ATM - Confirmation that the correct ATM location, date, and timestamp were reviewed I am also formally requesting copies of all documentation used to deny my claim, as I was not provided this information. If the ATM electronic journal logs and device error records are not produced, I will assume they were not reviewed during the investigation. Given that the ATM retained my debit card and malfunctioned during the deposit process, this clearly indicates a machine failure rather than a valid completed transaction. I am requesting reimbursement of the {$500.00} retained by the malfunctioning ATM. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX, SC XXXX Re : Account # XXXX To Whom It May Concern, I am disputing the above-referenced account. You reported this collection to my credit report without first providing the required notice of my right to dispute the debt, in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I never received any prior communication or disclosure before this account was furnished. This makes your reporting inaccurate, incomplete, and unlawful. I demand immediate deletion of this account from all credit bureaus. If this account is not deleted within 14 days, I will pursue legal action against LVNV Funding LLC for violations of the FDCPA and FCRA, including statutory damages. All communication must be in writing. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA

Complaint narrative:
XXXX, my payments doubled to {$600.00}. First agent said I could get a lowered monthly payment. We arranged it in XXXX / XXXX Then the system rejected it. Called back. Agent # 2 said we can get a lowered rate in XXXX. Sent paper work. Mohela rejected it. Then, in XXXX, told me I could refinance, which I didn't want to do, as it would be a higher interest rate. I said I would pay $ XXXX {$400.00} / month. A new page on Mohela also appeared showing that over the lifetime of the loan, I've paid {$29000.00}. My balance has increased {$15000.00} despite this. Begin Mohela 's harassment and monthly fees charged to my account. I was called and emailed hundred 's of times, sometimes starting at XXXX XXXX pst by phone. I continued to pay, in fact I spent over {$4000.00} on loans in XXXX ( my balance decreased by only a few XXXX dollars ). Due to temp work slow down, I missed one payment in XX/XX/XXXX. Overnight, after years of a XXXX XXXX XXXX, Mohela pounced and my score was lowered to XXXX. I called to rectify. They had nothing to say except excuses, more lies, and then said suddenly I could lower my payment again despite multiple calls to do so in XXXX. More harassing emails, phone calls, even though I've called and tried everything. Predatory graft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: DISCOVER BANK
State: MA

Complaint narrative:
I was having issues with a merchant, XXXX, as I was having issues with their website. They would not refund the {$30.00} subscription with the issues I was having. Eventually, they reinstated the membership. At the same time, I put in a dispute with Discover on the charge. When XXXX reinstated my subscription, I had Discover cancel the dispute. According to Discover, they cancelled the dispute in XXXX and it is now XXXX. XXXX somehow received the dispute after I cancelled it and they took off the {$30.00}. Now Discover refuses to reopen the dispute and XXXX refuses to refund the {$30.00}. Whatever policies are in place should be looked upon due to the issues here. This would never have happened if 1, XXXX 's site was working properly and 2. Discover did in fact cancel the dispute before it had reached XXXX. Now I am out {$30.00} and neither XXXX or Discover is taking responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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

Complaint narrative:
XXXX [ date your friend sent the payment ], my friend sent me a personal gift payment through PayPal. Shortly after receiving this payment, my PayPal account was permanently closed without any clear explanation. All of my transactions on PayPal are earnings from my content on XXXX and XXXX. There are no commercial transactions other than these earnings. The only transaction that seems to have triggered the account closure was this personal gift from my friend. My friend 's account is verified, the transfer was from the XXXX XXXX XXXX, and it was a personal transaction. I submitted all requested documents and screenshots of the transactions as required by PayPal. Despite this, PayPal support informed me that the system itself caused the account limitation and that my case would be reviewed. However, after only three days, my account was permanently closed without any justification. As a result, I could not use the refund option to return the funds to my friend. My friend opened a dispute, clearly stating that this was a personal gift and not a commercial transaction, and that he did not want a forced refund, but only to enable the refund option so I could return the funds. Despite this, PayPal closed the dispute and deducted {$16.00} from my account without justification. I am seeking a detailed explanation from PayPal, a full review of my case, and clarification regarding the deducted fees and dispute handling. I want to understand why my account was permanently closed despite providing all necessary documentation and following their procedures, and to ensure fair treatment for future users.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am submitting a complaint regarding an issue with my account and the inability to receive adequate customer support from XXXX. On XX/XX/XXXX, I sent a payment of {$130.00} through XXXX. The transaction showed as completed on the same day, which reasonably led me to believe that the funds had already been withdrawn from my bank account. However, on XX/XX/XXXX, the funds were withdrawn from my bank account, which caused my account to become overdrawn because I no longer had sufficient funds available. This timing was confusing and unexpected, as the transaction had already been marked completed two days earlier. I contacted my bank regarding the issue and was advised to reach out to XXXX. I then attempted to resolve the matter through XXXX in-app customer support. During my first interaction, the representative was unhelpful and behaved in a rude and dismissive manner. When I tried to clarify my confusion about the timing of the withdrawal, the representative gave short, unhelpful responses and stated things such as I explained this already, rather than providing clear assistance. I contacted XXXX support again to report this behavior. The second representative initially told me that a complaint could not be submitted because I did not have the first agents name, despite the interaction being tied to my account and presumably logged in their system. After I requested escalation, the representative then stated that the issue would be sent to another team. However, when I attempted to ask for a case number or a way to track the complaint, the representative ended the chat without providing any confirmation or follow-up information. As a result, I have no confirmation that my complaint was ever submitted, and I was left without assistance. This situation has caused significant frustration and financial stress. Due to the unexpected timing of the withdrawal, I am now left with approximately {$2.00} to cover my expenses for the remainder of the month. While I now understand the reason for the delayed withdrawal, the lack of transparency in how transactions are displayed and the complete failure of customer support to properly assist or document my complaint is unacceptable. I am requesting : A formal review of my account transaction and how it was presented as completed A review of the customer service interactions described above Confirmation that my complaint has been properly logged Any assistance possible regarding the financial impact caused by this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
on the day of XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. my XXXX XXXX XXXX was stolen in a gated community with cameras and no lock gates. i sign an XXXX XXXX lease thinking this would be temporary. but hold time there i didn't feel safe cars was being broken into also but the night my car was stolen i filed a police report the landlord wasn't really cooperative me or police investigation. i had been living there going on XXXX. i notified the landlord that i would be breaking this lease agreement because i didn't feel safe living there anymore. so i was threaten by him by being sued and other things. Columbia Debt Recovery { XXXX } XXXX XXXX XXXX XXXX, WA XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: Chime Financial Inc
State: CA

Complaint narrative:
In XXXX i had charges from a company called card XXXX. i contacted chime financial and let them know I didnt authorize the charges. They closed that card and sent me a new card. They denied my dispute and i later found out it was my minor son who thought it was a card gaming site and was purchasing game cards. I didnt make a big deal about it and let it go. I recently checked my statement and saw a total of XXXX in continued carges to my old card number from the same merchant even after the card was blocked. The merchant kept charging my old card number and my bank was approving the charges. I called and filed a claim and they keep denying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
I was sold solar panels during the selling process. They advise that my electricity bill will go down to like XXXX or {$30.00} and I will pay at most {$120.00} for the solar panels which wouldve been less than my electricity bill. What has happened? Is that my solar panels and the bill that Im getting from the power company is more when you add them together than what I was paying previously nor was I told that I would have a lien on my property because I had solar panels put on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AR

Complaint narrative:
I am filing a complaint regarding a missing refund of {$250.00} that was issued to my account through a merchant transaction. The merchant, XXXX, confirmed that the refund was successfully processed on XX/XX/year>. They also provided a reference number confirming that the refund was sent to my account through Chime. However, the funds have not been credited to my account. I have contacted Chime more than three times regarding this issue. During those contacts, I provided all requested information, including screenshots of the original transaction and proof of the refund from the merchant. Despite this, I was repeatedly told that Chime could not locate the transaction and was ultimately told to handle the issue myself with the merchant. I have verified with the merchant that the refund was completed, sent to the correct account, and supported by a reference number confirming the transaction. Despite this, Chime has failed to properly trace or investigate the transaction. Actions I have taken include contacting both the merchant and Chime support multiple times, providing confirmation of the refund, screenshots, and the reference number, and requesting that Chime locate the funds. Chimes actions have been limited to stating they can not find the transaction, failing to conduct a meaningful investigation, and directing me away without resolution. I am requesting that Chime locate and credit the missing {$250.00} immediately, or provide a detailed trace of the transaction using the provided reference number and explain where the funds were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
In XXXX, NewRez ( Shellpoint ) issued a Form XXXX for a mortgage that defaulted in XXXX, was charged off in XXXX, and had no collection activity for years. The property was transferred to a new owner in XXXX, and the statute of limitations expired no later than XXXX. Shellpoint acquired servicing of the loan in XXXX. The company stated that the identifiable event triggering the XXXX occurred in XXXX, based solely on an internal determination that the account was uncollectible. I requested a compliance-level explanation, documentation showing that no identifiable event occurred earlier, references to Treasury Regulation 1.6050P-1 or IRS guidance supporting the XXXX timing, and confirmation whether the Form XXXX would be corrected if reporting was inconsistent with federal requirements. Shellpoints response did not substantively address these compliance concerns. This raises the risk of improper tax reporting and unexpected tax consequences. I also filed a complaint with the XXXX, but the issue was closed without resolution. I am submitting this complaint to request investigation and corrective action, and to inform other consumers about potential issues with the timing of XXXX reporting.

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 2026-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I opened a savings account with American Express under a promotion they were running that required {$25000.00} to be deposited and held for at least 60 days. I deposited {$25000.00} on XX/XX/year> and held until XX/XX/year>. They are telling me I am not receiving the bonus because the funds were not available until XX/XX/year>, and therefore, I should have held the funds until XX/XX/year>. I have attached the statements that clearly show that my balance was {$25000.00} on XX/XX/year>. Nowhere on the statments does it show anything about XX/XX/year>.

Company response to consumer: Closed with explanation