vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was issued a Capital One XXXXXXXX XXXX card number ending in XXXX. I was issued a priority pass card as a complementary service by Capital One card to use at airport lounges. Recently on XX/XX/year> at XXXX XXXX ( XXXX XXXX lounge where priority pass card is accepted ) I went to use the card just for myself -and since my wife was with me, I asked the attendant if there is extra charge for second person dated and she said no and said 2nd guest is free. But when I received the XXXX statement, I see {$35.00} charged on my card dated XX/XX/year>. When I called Capital one, a rep named XXXX very rudely stated 2nd person is not free. I asked her to send me the email me with fee rules to me she said she can not resend it just look at your old emails. I get thousands of emails. My wife never ate anything but just accompanied me. Rep would not write off my charge even though lounge staff /priority pass said there will not be any charges. Plus, it was charged on the wrong date. I am requesting a credit for the above said amount. Priority pass issued by Capital One should not be misleading customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
XXXX of XXXX, my leased vehicle with Ally Financial was nearing my lease end so I leased a new vehicle from the same dealership and they financed under a different financial institution. I never asked for this change but the dealership felt it was for my best interest. On XX/XX/XXXX, I received a letter from Ally stating I owed {$300.00} for the balance of my lease. I contacted Ally the next day to dispute this debt and they stated over the phone that I owed nothing and the debt was paid. I then received another letter from Ally confirming the account was paid in full. A few weeks later, I received another letter from Ally stating I owed {$300.00}. This was received after I received the paid in full confirmation. I contacted Ally again and they stated over the phone, the account was paid in full. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX stating Ally reported this debt owed and XXXX is attempting to collect on their behalf. I contacted XXXX regarding the conversations I had with Ally and they stated they would review with Ally in regards to the disconnect/miscommunication between companies. I am continuously being harassed via phone calls and letters in the mail regarding this debt I do not owe.

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 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied to citi XXXX card earlier last month. I didn't receive any emails about my application and instead received a piece of mail that said they were unable to verify some of my information. No attempt to ask me for clarification was made.

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 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I used Paypal to purchase a pair of audio tubes from XXXX in the amount of {$750.00} on XXXX. I received the tubes on XXXX, but XXXX was defective. I let XXXX know that fact the same day. XXXX shipped a replacement on XXXX. I received that tube on XXXX, but it was also defective. I didn't know that immediately, but let them know on XXXX, as soon as I knew. Communication was a challenge due to a language barrier, but the seller was responsive and agreed that a refund would be the best option rather than shipping any more tubes. I have that agreement in an email from XXXX on XXXX. On XXXX I got a confirmation from XXXX that they had issued my refund, but advised that if I didn't have it by the following week, to let them know. I let them know on XXXX that I didn't yet have the refund. XXXX replied one day later stating " I will contact the bank right away and request that the XXXX Secure risk-control verification be temporarily paused. '' On XXXX I contacted XXXX to let them know that I had still not received the refund and that I would need to take advantage of Paypal 's buyer protection soon. XXXX replied on the same day " Yes, you XXXX submit a request through PayPal. This will likely be much faster than waiting for me to follow up with the bank. Once I receive the request through PayPal, I will approve it from my side. '' I opened the case with Paypal and it was automatically declined without review becasue I had waited more than 30 days from the original delivery date, even though the buyer protection window didn't expire until XXXX. I am asking for help getting Paypal to facilitate the refund from the vendor that they agreed to, but don't seem to know how to issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Community Loan Servicing reported multiple 90-day late payments from XXXX through XX/XX/XXXX and a XXXX delinquency in XX/XX/XXXX. These reporting periods occurred while my loan was subject to a documented COVID-related forbearance/accommodation, and Community Loan Servicings own mortgage statements show a deferred principal balance of {$44000.00}. My mortgage was paid in full on XX/XX/XXXX when my property was sold. Despite this, Community Loan Servicing continued sending billing statements after payoff and indicated that my monthly payment would increase beginning XX/XX/XXXX. This created significant confusion and demonstrates that the loan was not properly reconciled following payoff. In an XX/XX/XXXX email, XXXX XXXX of Community Loan Servicings Bilingual Resolutions Team wrote : Once the loan reflects Paid IN Full, Ill have a request made for the reporting to review the months we had the loan. If anything was reported, Ill ask to be corrected. This written statement confirms that Community Loan Servicing recognized that inaccurate credit reporting may have occurred. I have submitted a comprehensive dispute package with supporting exhibits, including payoff records, mortgage statements, contemporaneous emails, and credit reports. I request permanent deletion of all reported 90-day delinquency indicators from XXXX through XX/XX/XXXX, deletion of the reported 180-day delinquency in XX/XX/XXXX, removal of all related derogatory payment-history notations, and written confirmation that corrected information has been furnished to all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc.
State: CA

Complaint narrative:
I am writing regarding the continued emails and phone calls I have been receiving about an alleged debt owed to Enterprise that I paid in full several months ago. I am confused and concerned because this matter was already resolved, yet I am still being contacted and asked to make payment on the same debt. Today, I spoke with a XXXX in an attempt to get clarification ; however, I did not feel that my concerns were addressed or resolved. Instead, I left the conversation feeling confused and uncomfortable, as it seemed that additional information was being requested from me in relation to placing the debt under my name, despite my understanding that this debt had already been paid. At this point, I am extremely concerned that I am being contacted regarding a balance that should no longer be owed. I respectfully request an immediate review of this matter, confirmation that the debt has been satisfied, and that all collection efforts regarding this account cease unless documentation can be provided showing a valid outstanding balance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: NE

Complaint narrative:
I am filing this complaint regarding Chimes denial of my dispute involving unauthorized electronic fund transfers from my account. I reported transactions that I did not authorize and explained that my account and personal information appeared to have been compromised. Despite this, Chime denied my dispute and concluded there was no error. The disputed transfers were initiated from another device and from a different state where I was not physically located at the time. I believe this strongly indicates unauthorized access and possible account takeover fraud. During the timeframe of the transactions, I experienced suspicious activity involving my phone and financial accounts, including concerns that unauthorized individuals gained access to my sensitive personal and financial information. The transactions were not authorized by me, I did not approve them, and I did not knowingly benefit from them. I requested assistance and investigation from Chime, but I do not believe a reasonable or complete investigation was conducted before denying my claim. I am requesting that Chime : - Conduct a full reinvestigation of the disputed transactions - Review device access history, IP addresses, and geolocation data - Review evidence of unfamiliar devices or access from another state - Provide a detailed explanation of how they determined there was no error - Comply with federal consumer protections regarding unauthorized electronic fund transfers I am seeking reimbursement for the unauthorized transactions and a fair investigation into the unauthorized access to my account. I certify that the information provided in this complaint is true and accurate to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CIG FINANCIAL LLC
State: SC

Complaint narrative:
* * Complaint Summary : Auto Loan Servicing, Fraud Allegation, and Reinstatement Denial * * I am disputing the handling of my auto loan account with AutoNation Finance, including inconsistent servicing information, an unsubstantiated fraud allegation, and refusal to reinstate the loan without a clear contractual basis. On or about XX/XX/2026, my vehicle became disabled and was voluntarily taken to the dealership for warranty-related repairs. I remained in communication with both the dealership and AutoNation Finance. I was instructed to bring the account current ( XXXX payments ) to recover the vehicle, and I made a payment in good faith. I was later told the account was allegedly flagged for fraud and that a notice was mailed around XXXX. I never received any fraud notice, and I was not informed the account was under fraud review at the time payments were discussed or accepted. On XX/XX/2026, AutoNation Finance denied reinstatement of my loan, stating it was due to a formal complaint filed by either myself or the co-borrower. They provided no identification of the complaint, no contractual basis, and no explanation of how this determination was made. They also stated the decision is final. I dispute any allegation of unauthorized loan documents. All documentation was knowingly executed by the co-borrower at the time of purchase. * * Requested Resolution : * * * Full investigation of fraud allegation and servicing actions * Identification of any complaint referenced in the reinstatement denial * Proof of mailing of any fraud notice and address used * Full account notes, recordings, and servicing records * Written explanation of legal/contractual basis for denial of reinstatement * Correction of any inaccurate reporting I am requesting a clear determination supported by documentation and correction of any improper or inaccurate account handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: GA

Complaint narrative:
cash app will not replace my money debit card .. it keeps sayinging error try aagain later it's been almost a year and I have had to transfer my money to another debit card.cash app charges me every time to do that.i have called cash app and they say I should be able to order one from the app but they are wrong .. I am losing money that they are taking for transfers to linked debit cards.i need the cash app card asap

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon getting a credit alert I checked my crefit profile and noticed unauthorized activity on my profile, please remove asap Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: CA

Complaint narrative:
Yes I've gone through XXXX XXXX for this my purse was stolen from my car along with my tablet an phone well the phone that was stolen is the number that was linked to my account so it was not hard for them to get into it well XXXX dollars was stolen from my account XXXX from XXXX also XXXX XXXX returned my money I gave chime everything they asked me for the person left behind a lot of evidence he used the I forgot my password button on chime app an it show that he had the password link forwarded to their email they also transfered money to their account twice chime told me they secured my account then how is he still getting into it all I want is my money returned what can I do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am responding regarding the reopened fraud investigation on the account ending in XXXX. Although American Express stated that the fraud investigation has been reopened and remains under review, I recently received an email indicating that I am required to pay the full balance on the account. This is extremely concerning because the fraud dispute has not yet been resolved and the transactions remain disputed. Holding me responsible for the full balance while the investigation is still ongoing places significant financial pressure on me despite the fact that I continue to maintain that these transactions were unauthorized. Additionally, American Express previously closed my complaint and denied my fraud claim without properly addressing the core issue or providing sufficient evidence demonstrating that these transactions were authorized. Despite my repeated disputes and supporting documentation, including my statements that I did not authorize these charges, American Express initially concluded that the transactions were valid and reapplied the disputed balance to my account. As previously stated, I did not authorize the XXXX XXXX XXXX transaction or the related charges disputed in this claim. I respectfully request that American Express suspend collection efforts and refrain from demanding payment on the disputed balance until the reopened investigation is completed and a final determination is made. I also request confirmation that the account will continue to be reported as disputed during the investigation process and that no adverse credit reporting, collection activity, or additional pressure to pay the disputed balance will occur while this matter remains under review. I ask that American Express conduct a fair and thorough investigation into these disputed transactions and provide the basis for any determination made regarding authorization of the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am requesting that XXXX XXXX review the recorded call from XX/XX/XXXX and honor the XX/XX/XXXX payment agreement that was given to me. During that call, I specifically told the XXXX XXXX representative that my vehicle was impounded and asked what my options were. The representative told me that as long as I made the agreed payment by XX/XX/XXXX, my vehicle would not be repossessed. I relied on that information and understood that my vehicle would be fine until the XX/XX/XXXX deadline. The representative did not explain that because the vehicle was impounded, the impound lot could notify XXXX XXXX as the lienholder and that XXXX XXXX could still send the account to repossession or pick up the vehicle before XX/XX/XXXX. Had I been told that, I would have taken different action immediately. My requested resolution is for XXXX XXXX to honor what I was told on XX/XX/XXXX : allow me to make the agreed payment by XX/XX/XXXX and release my vehicle back to me under that agreement. I am also requesting an immediate hold on any sale, auction, transport, or additional repossession processing while the recorded call is reviewed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
am filing this complaint regarding my mortgage servicers failure to pay my XXXX school property taxes from my escrow account despite having sufficient escrow funds available and despite repeated assurances that the matter would be resolved. In XX/XX/XXXX, I received a notice from my county indicating that my XXXX school taxes had not been paid and were delinquent. Upon receiving this notice, I immediately contacted my mortgage company because these taxes were supposed to be paid through my escrow account as part of my monthly mortgage payments. The mortgage company acknowledged my inquiry but took more than two months to investigate the matter. During that time, I repeatedly followed up seeking clarification and resolution. Eventually, the company incorrectly informed me that no taxes were due. However, in XX/XX/XXXX, I received a delinquency notice from a third-party collections agency demanding payment of the unpaid XXXX school taxes along with penalties and additional charges. I immediately contacted the mortgage company again on XX/XX/XXXX, providing them with copies of the collection notice and supporting documentation. After re-investigating the matter, the mortgage company admitted that the taxes had in fact not been paid and acknowledged that the delinquency resulted from their failure to properly disburse funds from my escrow account. They stated that they would pay the original tax amount from my escrow account and cover all penalties and fees caused by their error. Despite these assurances, as of XX/XX/XXXX, the delinquent taxes still have not been paid. I have spent months making repeated phone calls, sending emails, and following up weekly, yet the company continues to delay resolution by stating they are waiting for approval regarding the penalty payment. This situation has caused me significant stress, anxiety, and emotional distress. It has also consumed a substantial amount of my personal time and raised serious concerns about damage to my financial standing and property tax status due to the mortgage companys negligence and ongoing delays.

Company response to consumer: Closed with explanation