vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NC

Complaint narrative:
On XXXX XXXX XXXX, I submitted a ticket to Gemini customer service to unfreeze my account ( # XXXX ). An autogenerated AI message was provided immediately, of which I answered immediately. I was told my response will escalate your case for expedited service. I didnt receive a response for several days. I submitted another ticket on XXXX XXXX ( # XXXX ), where I received another AI generated messages and again responded immediately. I waited for several days again and received no human response. I proceeded to follow up on an older ticket I had ( # XXXX ) in order to receive a response from ANY human. I was able to get that particular representative from that ticket to respond and open another ticket ( # XXXX ), to where he said I am working with my internal team to resolve your issue. He encouraged me to respond to that ticket with questions and additional details, which I did. It has been over a week and I have responded to his ticket with questions on an update with no response. XXXX has frozen my life savings their your service ( around {$17000.00} ) and I have no way of protecting my own assets. The longer my account is frozen, the more at risk my assets are. I want to be able to withdrawal my funds from my account and have them under my control/protection. With XXXX dragging their feet to respond to unfreezing my account, I am worried about the safety of my assets on their platform and what could happen to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LD Holdings Group, LLC
State: WV

Complaint narrative:
I have been bombarded by texts and phone calls from XXXX at Loan Depot even though I told her I was going another way. Following are the calls received thus far : XXXX XX/XX/XXXXXX/XX/XXXX from XXXX XXXXXX/XX/XXXXXX/XX/XXXX from XXXX XXXXXX/XX/XXXXXX/XX/XXXX from XXXX XXXX XX/XX/XXXXXX/XX/XXXX from XXXX XXXXXX/XX/XXXXXX/XX/XXXX from XXXX XXXXXX/XX/XXXX XX/XX/XXXX from XXXX XXXXXX/XX/XXXXXX/XX/XXXX from phone XXXX XXXXXX/XX/XXXXXX/XX/XXXX from phone XXXX XXXX XX/XX/XXXXXX/XX/XXXX from phone XXXX XXXXXX/XX/XXXX XX/XX/XXXX from phone XXXX And there are as many texts from the previous XXXX days. I sent her a text explaining I was going a different way and she continues to call and text.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc.
State: CA

Complaint narrative:
License Plate : XXXXXXXX XXXX XXXX XXXX VIN : XXXX XXXX XXXX XXXX XXXX I am filing this complaint against CarMax for their refusal to provide a " Letter of No Interest '' or a notarized lien release for a vehicle they do not own and have no financial interest in. This administrative negligence has resulted in my vehicle being placed in " Prior Suspense '' status with the California DMV, rendering it legally undriveable since XX/XX/XXXX. In XX/XX/XXXX, I refinanced my vehicle from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this process, a clerical error occurred where the previous lienholder ( XXXX XXXX ) erroneously sent the title release to CarMax instead of the new lienholder or myself. Because XXXX records incorrectly pointed to CarMax, the California DMV now requires a formal sign-off from CarMax to clear the title defect. CarMaxs Refusal : Despite clear evidence that CarMax has no financial stake in this vehicle, they have repeatedly refused to provide a " Letter of No Interest '' or a notarized statement to the DMV to rectify this error. I have been unable to register or legally operate my vehicle for over six months. I am currently paying monthly principal and interest to XXXX XXXX for an asset that CarMax is effectively holding XXXX through administrative inaction. I have attempted to resolve this through over 50 phone calls between XXXX, XXXX XXXX, and CarMax. While XXXX acknowledges the clerical error, CarMax refuses to provide the specific document the DMV requires to clear the " Prior Suspense '' status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX I put in an accident claim with XXXX auto insurance. I completed a full phone interview with an insurance representative. After being told my vechile would be considered totaled I withdrew my claim. I had no desire to turn car over. In XX/XX/XXXX, my monthly insurance payment was due XX/XX/XXXX the amount due was listed as {$2000.00}. I called customer service and was told I was being charged for my non-licensed children who were considered driving age. CS rep emailed a waiver for my children which I signed immediately XX/XX/XXXX. The balance owed was reduced to {$1300.00}, stating the children were removed but the back dated balance from XXXX when the claims representative reported my children through XXXX could not be removed. I was never offered the waiver prior to my XXXX conversation about the premium bill increase, even though I spoke with several representatives for many reasons prior to XXXX. I have never missed an insurance payment with progressive and believe I am being targeted due to several interactions with the claims representative XXXX XXXX. This charge is outrageous as every insurance company does not require children to be listed on a policy or waivers to exclude them. I have attempted to settle this debt with the debt collections company and was told XXXX still owns the debt and is not willing to settle or waive the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing a complaint against LVNV Funding LLC and its servicer, Resurgent Capital Services regarding failure to validate an alleged debt. On XX/XX/scrub> 2026, I formally requested validation of the debt they claim I owe. As of today, they have not provided any documentation or evidence to verify that this debt is accurate, that I am the correct consumer, or that they have the legal right to collect. Despite my request, the account continues to be reported on my credit report and/or collection activity may still be ongoing. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to cease collection efforts until proper validation is provided. I am requesting that LVNV Funding LLC and Resurgent Capital Services : XXXX. Provide proper validation of the alleged debt, including original creditor information, account documentation, and proof of their authority to collect ; or XXXX. Immediately cease collection activity and remove the account from my credit report if they can not validate the debt. I also request that this matter be investigated and that appropriate action be taken to ensure compliance with federal law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: WA

Complaint narrative:
Today, I wanted to view an unusual transaction on XX/XX/XXXX through XXXX website. I was not able to view that transaction because PayPal " Activity '' will only let me see a few recent transactions. At the bottom of those transactions there is a button to " see more ''. When I click on that button, I am directed to go to the PayPal App ( which I do not have and can not add to my mobile phone ) in order to see any further transactions. This is a recent phenomena. I spoke to three representatives this morning who could not figure it out. Finally I reached a representative who told me that PayPal has instituted this feature... Not allowing consumers to view their account activity ... because of fraud. Like with my bank when I make a purchase and view transactions, I need to be able to view all of my transactions. I should not be forced to download the PayPal App to view a complete list of my purchase and payment activities. PayPal is essentially acting as my bank at the point of purchase. I should not have to be compelled to use the PayPal app then to verify or view any of my purchases when using PayPal. I have taken screenshots on the website of what I am looking at. I am happy to provide those. And I provided them also to PayPal. Their only solution to me was to use the PayPal App. I use only the internet through my XXXX mobile device and XXXX XXXX I have never had this problem in many many years with PayPal until just the last couple of weeks. If there is such rampant fraud on PayPal.com that I can not view my complete activity list, something is seriously wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am reporting an unauthorized {$520.00} charge from XXXX XXXX, Please ' ( XXXX XXXX XXXX ) that occurred on XXXX XXXX XXXX. This merchant is currently in liquidation/bankruptcy ( Case # XXXX ) and has been reported by thousands of consumers for using stored payment data to process unauthorized charges without consent. I am requesting a manual override of the 120-day dispute window because this is a case of Merchant Fraud and Services Not Rendered. Because the merchant is insolvent and unresponsive, my bank ( Bank of America ) is my only recourse for recovering these stolen funds. The standard dispute window should be extended based on the 'Expected Delivery Date ' of the items, which never arrived, and the fraudulent nature of the charge during the company 's liquidation. I have evidence in writing from a representative of XXXX XXXX, Please that clearly states that my membership with their service should have been terminated on XXXX XXXX XXXX and that there would be no further charges after that date. As stated previously, the charge occurred on XXXX XXXX XXXX two full months after that correspondence. I will attach a copy of this correspondence to this complaint. I have attempted to resolve this with Bank of America directly, but the age of the transaction prevents their automated systems from processing the claim. As such, my claim is getting automatically denied. I am filing this complaint to request a manual review by a claims specialist, as this is a clear violation of the Electronic Fund Transfer Act regarding unauthorized transactions.

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 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I have an FHA mortgage serviced by Pennymac in Pennsylvania. My loan is currently in foreclosure processing. I previously entered a trial loan modification. The trial was canceled after a missed payment. Since then, I have requested information about available home-retention options, but I have been told only foreclosure or liquidation options are available. I am requesting assistance because I need clear written information regarding : -What FHA loss mitigation or home-retention options were reviewed -Why those options are unavailable -Whether a foreclosure complaint has been filed and the filing date -Whether a sale date has been scheduled -The reinstatement amount -Whether escalation review is available -Who owns my loan I also contacted my local court and, at this time, I do not see a foreclosure action on file. Based on that, I am requesting clarification of the current foreclosure processing status, including whether the matter is still in pre-filing review or has been referred for filing. If a foreclosure complaint has not yet been filed, I respectfully request an executive review of my account for any remaining home-retention options, including whether an exception can be considered to reinstate the prior trial modification or offer another retention solution. I am requesting a prompt written response and review of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I do not recognize or have any knowledge of this alleged debt. I previously attempted to contact them via the phone number listed on XXXX to obtain clarification regarding its origin ; however, the representative declined to provide any details and instead requested a credit card payment, stating there would be a fee to pull a report. On XX/XX/year>, I formally requested debt validation via certified mail. To date, I have not received any response, yet this account continues to be reported on my credit. Please provide proper verification of this debt as required, or cease reporting it immediately.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I deposited a check from XXXX XXXX system from a foreclosure after waiting the 3 days as I needed the funds to get a storage unit and rent a truck to move my possessions from the property the bank had told me that I had to wait additional 7-10 days this was after I had already waited 3 days now i only asked them why there policy with large checks didn't apply to my account as there policy states instant {$100.00} avail which they did do and additional {$6600.00} would be available 24 hours after which they had failed to do i only needed like 10 % of it but this drove me crazy as I was under alot of stress so they called the police had me backer acted but before the police dropped me off at the hospital they said good news the bank released the entire check but this also caused me to lose an entire days time where I could've started moving my possessions to storage the hospital released me same-day as everything I stated was true and verified by the court system as I was racing against a clock cause a writ of possession was going to be executed the Monday as it was already Friday so I had to abandon a large aquarium and a mattress and bed frame and a living room set plus a hospital bill ( {$800.00} ) which if they had followed. Their policy none of this would've been an issue ( XXXX XXXX XXXX XXXX valued {$1800.00} at current pricing i paid {$1200.00} but with tarriff and inflation i checked replacements cost a XXXX XXXX XXXX XXXX with motorized frame value {$2500.00} couch and 2 chairs value {$2000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} transfer from savings {$9500.00} transfer from checking Person, impersonated as BOA employee, called from BOA phone number and reported that this money was being taken from my account. I did not know him, didnt authorize and didnt agree to the withdrawals. I immediately called BOA and reported fraud on XXXX XXXX. I then filed fraud claim which was denied by form letter on XXXX XXXX XXXX. I appealed and was denied by BOA form letter on XXXX XXXX XXXX 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 explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
When my daughter was a baby, over 30 years ago, I created a Savings Certificate ( CD ) account for her at the XXXX XXXX on XXXX XXXX XXXXXXXX XXXX, XXXX ( also known as XXXX XXXX ). I recently tried to redeem it for her as specified on the certificate, by presenting and surrendering it at the bank, but the bank at that location has closed. My wife and I telephoned many XXXX XXXX and XXXX XXXX around the US but found none with any connection to the one that issued the CD. We learned through research that Wells Fargo had taken over the XXXX XXXX XXXX XXXX XXXX but Wells Fargo is no longer there and nobody at the Wells Fargo banks we called could help us. We were directed by one of them to the XXXX Dept. of Banking and Security ( COPA ), who said that we should contact upper management at Wells Fargo, and that the best way to do that would be through the complaint process at their regulator at the CFPB. I have no reason to think that I, or anyone else, has redeemed this certificate : it has been in the same place since issuance, and its reverse side, where redemption would be recorded, is untouched. We hope and trust that Wells Fargo or its successor ( s ) will honor it.

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 2026-04-24 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: VA

Complaint narrative:
I am submitting this formal complaint against PayPal , Inc. regarding an unresolved dispute involving the misclassification of a personal payment as a business transaction, an improper fee charge, and the risk of incorrect XXXX tax reporting. SUMMARY OF THE ISSUE : A personal payment sent to me by a friend was incorrectly processed as a goods-and-services/business purchase. No goods or services were exchanged this was strictly a personal transfer between two individuals. As a result of this misclassification : 1. I was charged a {$4000.00} processing fee that does not apply to personal ( Friends & Family ) transfers. 2. The transaction, if left uncorrected, will be included in a XXXX tax form issued to me at year-end, incorrectly reporting this amount as business income. 3. The money has been transferred to my account and I immediately contacted PayPal once I realized the error. I was told by a supervisor that even if I refund the money it wont make a difference. STEPS I HAVE ALREADY TAKEN : I contacted PayPal customer support on [ date of first contact ] and was unable to reach a resolution the agent did not appear to understand the nature of the issue. I followed up in writing through PayPals Message Center and again did not receive a satisfactory resolution. Despite multiple attempts, PayPal has failed to : Refund the {$40.00} fee Reclassify the transaction as a personal transfer Confirm the transaction wil l be excluded from XXXX reporting WHY THIS MATTERS : The incorrect classification of personal payments as business income has significant tax consequences for consumers. A XXXX issued for non-business income creates an undue burden to dispute with the IRS and may result in incorrect tax liability. PayPals failure to correct a clear misclassification and their lack of an accessible resolution process leaves consumers with no meaningful recourse. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX Transaction ID : XXXX Date of Transaction : XX/XX/XXXX ( XXXX ) Date ( s ) of PayPal Contact : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FlexShopper, Inc
State: IL

Complaint narrative:
In XX/XX/2024, I brought my vehicle to XXXX XXXX XXXX for a tire installation. After the service was completed, I discovered that two wheel studs on the rear passenger side were missing not lug nuts, but the studs themselves. I did not immediately contact XXXX but was advised by an automotive professional that the vehicle was unsafe to drive. When I returned to XXXX, the manager denied responsibility and claimed to have reviewed camera footage showing no fault on their part. I later learned from a store clerk that managers can not access footage without regional manager approval. When I spoke with the regional manager, he confirmed he had not reviewed the footage, contradicting what the store manager told me. The regional manager also stated that a lawyer would not take my case over two lug nuts. I proceeded to gather small claims court paperwork, which directed me to contact the merchant first. Upon informing the regional manager of my intent to file, he agreed to cover the repair and arranged a tow however, the vehicle was towed to another XXXX location. That location did not complete the promised repair, specifically the hub replacement, and left the vehicle with a stud visibly protruding due to hub damage. I financed this repair through FlexShopper. When I contacted FlexShopper to dispute the incomplete service, I was told to resolve the issue directly with the merchant. The merchant has been uncooperative. FlexShopper continues to contact me despite the dispute remaining unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief