vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 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: WA

Complaint narrative:
I am submitting this complaint regarding fraudulent charges on my American Express XXXX XXXX XXXX credit card. My account showed multiple unauthorized XXXX XXXXXXXX XXXX charges within a short period of time, totaling approximately {$1800.00} during the billing cycle. I did not authorize these transactions. I reported these charges to American Express as fraud and expected a proper investigation. However, American Express did not properly investigate the disputed transactions and did not provide me with a clear explanation of how it determined that the charges were valid or authorized. The pattern of transactions shows numerous XXXX charges posted close together and in varying amounts, which is consistent with fraudulent activity. Despite this, the bank failed to properly address the situation and did not provide adequate documentation or evidence showing that these transactions were authorized by me. As a consumer, I believe American Express did not conduct a reasonable investigation into these unauthorized credit card charges. I am requesting that American Express reopen the fraud investigation, remove all unauthorized XXXX charges from my account, and provide a clear written explanation of the basis for any determination it has made regarding these disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
Columbia Debt Recovery LLC dba Genesis - I had an issue with an apartment complex that I vacated in XX/XX/XXXX and did not pay the balance because they were charging me for things I did not owe and refused to fix it. this debt collector purchased the debt and they have added it to XXXX XXXX of my credit reports as a current debt opened in XX/XX/XXXX and my balance is continuing to increase because they are adding 10 % interest for every year it is owed. It was added to my credit in XX/XX/XXXX. I never agreed to pay them anything, and it is not in my old lease that I would pay whatever third party purchased the debt. not only do I not owe the amount they have decided to add to the balance, but I don't even owe the full balance they have on my credit report. I've disputed with the credit bureaus multiple times on XX/XX/XXXX, XXXX, and XXXX and mailed a dispute to the collection agency a week ago, but they refuse to correct or remove it. my credit score dropped more than XXXX points from XXXX to XXXX. If they want to list it on my credit, fine, but they need to list it correctly as a debt from 4 years ago and stop presenting it as a recent defaulted account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Byrider Franchising, LLC
State: MI

Complaint narrative:
I am filing a complaint regarding collection practices by Credit Acceptance Corporation ( CNAC ) related to my auto loan. On XX/XX/year>, I received an email from a company representative that contained threatening and degrading language. In the message, the representative told me that if I wanted to avoid repossession I could borrow the money from someone, donate blood, or sell some things. I believe this statement is inappropriate and degrading and appears intended to pressure or humiliate me. The email also stated that failure to comply would result in 10 years of garnishment and income tax seizure, which I believe is misleading because wage garnishment would require a court judgment and is not automatic. The message also included intimidating language such as You DO NOT dictate terms to us and This is NOT a negotiation. I believe this communication may violate consumer protection laws prohibiting abusive, misleading, or harassing debt collection practices. I have retained the email as documentation and am requesting that this conduct be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: IN

Complaint narrative:
I will attach the original demand for Chain of Custody I sent certified mail to MOHELA regarding XXXX private student loans they received from XXXX. I will also attach the certified mail receipts from XX/XX/year> for both of these demands, one for each of the XXXX loans. I requested the Chain of Custody and original promissory note containing my signature. MOHELA ignored my request and subsequently sent the loans back to XXXX to service again, ultimately attempting to circumvent their legal obligation. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX. Email : XXXX XXXX. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds and threatens to escheat them before the 180-day hold period ends. Timeline : Account permanently limited on XX/XX/XXXX. Balance is {$370.00}. On XX/XX/XXXX, PayPal emailed threatening to clear funds. The 180-day hold period has not yet ended, but withdrawal is already blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$370.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
This letter serves as a formal notice that I dispute the validity of the alleged debt you claim I owe. This dispute is made pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. Under 15 U.S.C. 1692g, I am requesting full validation of this alleged debt. Until you provide proper validation, you must cease all collection activities and communication regarding this matter. Your company must provide the following : The name and address of the original creditor. A copy of the original signed contract or agreement bearing my signature. A complete payment history of the alleged account. Proof that your company has legal authority to collect this debt. Proof the debt has not exceeded the applicable statute of limitations. Documentation proving the amount you claim is accurate and lawful. Additionally, any attempt to report or continue reporting this disputed debt to credit reporting agencies without proper validation constitutes a violation of the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692e and 1692f. Show lawful proof you have the right to collect on this account. How do you purchase my personal information. Show chain of Title?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX, XXXX. Email : XXXX ( secondary : XXXX ) 2. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds and threatens to escheat them before the 180-day hold period ends. Timeline : Account permanently limited on XX/XX/XXXX. Balance is {$4500.00}. On XX/XX/XXXX, PayPal emailed threatening to clear funds. The 180-day hold period has not yet ended, but withdrawal is already blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$4500.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
CFPB COMPLAINT Resurgent Capital Services/ LVNV Funding LLC ( Failure to Respond to Debt Validation Request ) Company : Resurgent Capital Services/ LVNV Funding LLC Issue : Failure to provide debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ) Complaint : I am filing this complaint because Resurgent Capital Services/ LVNV Funding LLC has failed to provide validation of a debt after I submitted a written request. On XXXX XXXX, I sent Resurgent Capital Services/ LVNV Funding LLC a timely written debt validation request in response to their collection attempts. My request was sent via certified mail and received by the company on XXXX XXXX according to USPS tracking. Despite receiving my request, Resurgent Capital Services/ LVNV Funding LLC has not provided any of the required information, such as : Proof that the alleged debt is mine Forward Flow Agreement for debt collection ), Documentation showing Resurgent Capital Services/ LVNV Funding LLC has the legal right to collect this debt Bill of Sale / Chain of Assignment Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector is required to cease collection efforts until proper validation is provided. Their failure to respond to a proper validation request and continued collection activity appears to be a violation of federal law. Attached : Copy of my debt validation letter Proof of delivery ( USPS tracking )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: Selene Holdings LLC
State: PA

Complaint narrative:
On XX/XX/XXXX my credit counseling agency sent Selene finance my loan modification application and Selene finance failed to get back to me and is denying that they received this application. However, i have proof from the agency called XXXX XXXX XXXX that they sent the loan modification packet to Selene finance on XX/XX/XXXX at XXXX XXXX. I have the actual email confirmation along with the loan modification as provided to me by XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and their telephone number is XXXX. The bottom line is Selene finance has filed paperwork to foreclosure on my house and they are refusing to acknowledge that this modification packet was sent to them and this is a major violation under federal law. I know I have a strong case of violating federal law for still not getting back to me after 10 months. I am asking to be made whole by them accepting my loan modification with no documentation, stop and remove this foreclosure proceedings asap, paying for my legal fees of hiring a lawyer which costed me {$1200.00} along with negative impact on my credit report. This week Selene Finance did acknowledge receiving my complaint in writing on XX/XX/XXXX in which I indicated that they violated federal law by not responding to my loan modification after 10 months. Selene Finance should stop foreclosure proceedings asap and make me whole asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
On XX/XX/year>, I sent a Western Union money transfer to XXXX totaling {$2000.00} ( including fees ). The recipient never received the funds. When I contacted Western Union customer service, I was informed that the transaction had been paid in error and that the receiving location would reimburse the recipient. However, the receiving location never paid the recipient and the issue remained unresolved. Western Union representatives later told me the matter would be resolved within 20 days, but more than 40 days have now passed and the funds have still not been returned to me or delivered to the recipient. During this time, I have contacted Western Union customer service multiple times. Each time I have had to wait XXXX minutes on hold, and the representatives have been unable to provide any clear update or resolution. Requests to speak with a supervisor have resulted in being placed on hold without assistance. Because the transfer failed, I ultimately had to send the money again using another service, and the recipient received the funds the same day. Western Union is therefore holding {$2000.00} of my money despite acknowledging there was an error with the transaction. I am requesting that Western Union immediately refund the full amount of {$2000.00}, including all fees, and provide a clear explanation for the error and the extended delay in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime closed my account wrongfully, all because I file a dispute and I have evidence that I contacted the merchant where I file the dispute and they told me my refund my approved. Still chime closed my account for no reason. Makes no sense because I been with chime for 6 years and I never had no issues. My only problem was when I noticed a transaction that the merchant didnt deliver my food with XXXX so I file a complaint with chime and chime closed my account wrongly. I want to show you my receipt when I contacted the merchant and they told me they would refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: WA

Complaint narrative:
I am submitting this complaint regarding an unauthorized charge on my Capital One Quicksilver credit card. On XX/XX/year>, a charge of {$44.00} from XXXX ( # XXXX # XXXX ) appeared on my account. I immediately reported this charge to Capital One as fraudulent because I did not authorize or make this transaction. Capital One opened an investigation but later informed me that they did not find sufficient evidence of fraud and stated that they believe I or another authorized user may have benefited from the transaction. However, the bank did not provide any evidence or documentation explaining how they reached that conclusion. The letter I received only contained a general statement that the transaction may have benefited someone associated with the account, but it did not explain what information was used during the investigation, whether the card was physically used, or what evidence supported their determination. Because of this, I believe the investigation conducted by Capital One was insufficient and lacked transparency. I requested that the charge be properly reviewed, but the bank did not provide supporting documentation for its decision. I am requesting that Capital One reopen the investigation, review the transaction again, and provide a detailed explanation of the evidence used in determining that the charge was authorized. If the transaction can not be verified as authorized, the charge should be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I used Affirm to finance a {$70.00} purchase from an online merchant ( XXXX ). The items received were not as advertised and a promised promotional item was missing. My credit card issuer investigated the transaction and issued a full chargeback due to merchant misrepresentation. The merchant website has since shut down and multiple consumers have reported it as a scam. Despite this, Affirm denied my dispute and continues attempting to collect the remaining balance and has threatened to send it to collections. I am requesting that the balance be removed because the underlying transaction involved fraudulent merchant practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX, XXXX. Email : XXXX XXXX. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer XXXX XXXX XXXX Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds and threatens to escheat them before the 180-day hold period ends. Timeline : Account permanently limited on XX/XX/XXXX. Balance is {$220.00}. On XX/XX/XXXX, PayPal emailed threatening to clear funds. The 180-day hold period has not yet ended, but withdrawal is already blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$220.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
Mercedes-Benz Financial Services has been reporting a repossession on my credit reports with a remaining balance of approximately {$9900.00}. This reporting has significantly damaged my credit profile and ability to obtain financing. I dispute the accuracy and completeness of the information being reported. I have not been provided with proper documentation verifying how the alleged deficiency balance was calculated after the repossession. Specifically, Mercedes-Benz Financial Services has not provided : A full accounting of the balance claimed after the repossession The date the vehicle was sold and the sale price obtained Documentation showing how the {$9900.00} balance was determined Proof that the repossession sale was conducted in a commercially reasonable manner Copies of any notices that were required to be sent to me before and after the repossession sale Despite these missing records, the company continues to report the account as a repossession with an outstanding balance to the credit bureaus, which is negatively affecting my credit standing. I am requesting that Mercedes-Benz Financial Services conduct a full investigation and provide proper documentation verifying the accuracy of the reported information. If they can not verify the balance and repossession reporting, the account should be corrected or removed from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I want this case escalated right away. CFPB never did due diligence to investigate PHH Mortgage, who has violated RESPA, filed dual tracking, submitted false claims stating after home caught fire XX/XX/year>, they falsely filed a wind damage claim against the home at XXXX XXXX XXXX, XXXX, CT XXXX. These are serious violations and we have all the documents and submitted you the documents in writing. Reopen this case and investigate it or we will submit a formal complaint against your agency to the Ct Attorney General Office. My correct cell phone # is XXXX, please update right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been in foreclosure with Chase Bank for XX/XX/XXXXyears. Every opportunity to solve the matter fails as if co-incidental. In XXXX, I was approve for bankruptcy. At some point, I missed XXXX payment due to bussiness interruptions. Chase immediately requested my stay to be lifted, but it was denied due to the equity. XXXX week later the trustee requested the lift. At that hearing my lawyer puts in a motion to be relieved. The trustee and I had an agreement that I could be 1 month in the arrears, which I was incompliance. I found about Chase 's involvement in XXXX per the docket. Chase and the bankruptcyXX/XX/XXXX had my Protection lift and did not serve me paperwork. Chase is actively pursuing foreclosure actions. Chase and the bankruptcy attorney committed several procedals errors, abuse of power and fraud to force me to lose my home. Chase denied XXXX modifications and the reasons were not consistent and XXXX took XX/XX/XXXXmonths to deny. My bankruptcy and foreclosure attorney 's request removal at privtol points in the foreclosure. And their behavior was very unprofessional ; the foreclosureXX/XX/XXXX XXXX XXXX. I see this as being coordinated by power and money base on the totalitarian of events. Chase 's occurrences in my XXXX application process do not match my events. I am being prevented from getting help. I am not accusing Chase Bank, but all my electronic devices are compromised which is preventing me from earning the potential income I can be earning, but more importantly it has isolated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Goldman Sachs Bank USA Amount : {$1700.00} Actions : unrecognizable interest charges

Company response to consumer: Closed with explanation