vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I was delayed by security and missed a returning from XXXX to XXXX  on XXXX XXXX on XX/XX/XXXX. I called the agency that originally sold me the ticket and was transferred a few times until they put me on the phone with someone who claimed to be an employee at XXXX XXXX. He told me if I upgraded to a premium ticket ( {$9800.00} ) that it would be completely refunded to me within one to two billing cycles. His emails had XXXX XXXX logos which added credibility. I gave a conditional authorization provided I was entitled to the refund in writing and a confirmation email of the start of the refund process again with XXXX XXXX logo. Two months later, still no refund. I contacted XXXX XXXX and my original seller and none had any record of an employee by the name or of such a refund. I feel so silly now as the fraud by inducement and impersonation is now so obvious. I had been transferred to a scammer. A review of my Citibank credit card shoed XXXX charges on that date. One was from the authentic XXXX XXXX for a ticket at the price of {$1200.00}. The other charge was for {$8500.00} from XXXXwhich add up to {$9800.00}. I am obviously the victim of a fraud that included both inducement and impersonation. However, in the face of such obvious fraud, Citibank is refusing to issue a reversal as they claim their their completed investigation concludes that I accepted responsibility for the disputed charges when I provided my account number.

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 2025-12-30 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I paid off my vehicle in XX/XX/year> and have not received the title. I have called numerous times and Santander does not seem to know the process for the State of XXXX, where it is required that the lender electronically release the lien directly with the state. Instead, they sent me numerous notarized payoff letters and lien releases via mail which have no use to me. The state title agencies will not accept these because there is still an electronic lien on the account and no one at Santander has been able to fix this. I am being limited from my ability to sell the car without a title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 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: UT

Complaint narrative:
CFPB Complaint PayPal ( Unauthorized Transaction ) Company : PayPal , Inc . 
Product/Service : Digital wallet / payment service Issue : XX/XX/XXXX XXXX XXXX Unauthorized transaction / immediate billing dispute Desired Resolution : Removal of balance, correction of records, confirmation no collection activity Complaint Description I am filing a complaint regarding PayPals handling of an unauthorized transaction that I did not initiate and from which I received no goods or services. 
A charge appeared on my PayPal account for a transaction I did not authorize and did not recognize. This transaction was tied to a PayPal debit card that I did not open, request, or possess. I have never had a PayPal debit card prior to this transaction date. 
I immediately disputed the charge with PayPal and clearly stated that : The transaction was unauthorized I did not receive any goods or services I did not open or use a PayPal debit card Despite this, PayPal ruled in favor of the seller and no goods or services were delivered. 
PayPal explicitly instructed me to contact my bank and dispute the charge, which I did. After reviewing the case, my bank ruled in my favor and reversed the charge, confirming that the transaction was unauthorized. 
Even after my banks decision, PayPal continues to pursue me for the balance associated with this fraudulent transaction. PayPal offers limited customer service options and does not provide email support, making it difficult to escalate or resolve this issue through normal channels.

PayPals actions are improper, as I should not be held responsible for an unauthorized transaction involving a debit card I never opened or possessed, especially when no goods or services were received and my bank has already ruled in my favor at PayPals direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/year> at approximately XXXX I went into the Bank of America located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I deposited a check for {$710.00} and then requested a withdrawal of {$3200.00} from the teller ( female about XXXX XXXX XXXX ). The teller asked how I would like my cash and I told her mostly XXXX 's a few XXXX 's and about {$200.00} in XXXX 's. Prior to completing this transaction the teller asked me what I was planning to use the money for. I told the teller that was not something I was willing to answer as it is a personal matter. The teller became offended and said " well its for your protection for us to know. I again told her that I was not going to tell her what I was doing in my personal life with my money. She then stated that she would have to get big bills from the back. The teller then placed a XXXX page document on the counter and said I had to read it and sign it before she would provide my cash. I read this document briefly which had alot of information about fraud. There was no signature line on this document and I did not sign The teller again told me I needed to sign this document. I told the teller I was not going to sign the document and asked if she was not going to give me the cash. The teller then left and went into the another room with another teller. She came back and asked me if I was sure I did not want any smaller bills. I said that I would take {$100.00} in XXXX dollar bills. She asked again if I was sure I did not want any other smaller bills. I was unsure why she kept asking me about smaller bills after she became offended and a bit hostile when I refused to tell her what I was doing with my money after I left the bank. The last thing the teller asked me for was my identification and I immediately provided my driver license and stated " that is an acceptable request ''. I do appreciate checking my valid ID when making a withdrawal. I do not believe a banking teller should be asking such personal questions and if they do they certainly should not become hostile or offended when a customer would prefer privacy in personal financial matters.

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am filing this complaint regarding the sudden and unexplained closure of XXXX of my Bank of America credit card accounts while I was traveling internationally. 
I have been a Bank of America customer for over ten years and have been a XXXXXXXX XXXX XXXX XXXX member. During this entire period, I have never missed a payment, have maintained excellent account standing, and have consistently conducted my banking and credit activity responsibly. 
While traveling abroad, I discovered that XXXX of my Bank of America credit cards had been closed without any prior notice, warning, or communication. I immediately contacted Bank of America customer service by phone. Despite multiple calls, representatives refused or were unable to provide any explanation for the closures, stating only that the decision was final. I was not informed of any alleged risk issue, policy violation, or corrective action that I could take. 
The lack of transparency and absence of notice caused significant inconvenience and financial disruption while I was outside the country. More importantly, it is deeply concerning that long-standing accounts can be terminated without explanation, particularly when there is no history of missed payments, delinquency, or misuse. 
I am fully willing to cooperate with Bank of America to address any concerns related to my accounts. If there was a perceived issuewhether related to travel activity, verification, or internal reviewI would have appreciated the opportunity to resolve it rather than having my accounts abruptly closed. 
I value my relationship with Bank of America and would like to continue doing business with them. I hope this matter can be resolved promptly and professionally.

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 2025-12-30 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
State: NH

Complaint narrative:
Venmo has completely locked me out of my account after system errors. I lost access to the phone number on the account and now can not log in at all. I have funds in the account and no way to access them. Venmos support channels are inaccessible without login and their phone system has not resolved this. I am requesting immediate manual identity verification and restoration of access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: Paypal Holdings, Inc
State: SC

Complaint narrative:
I received an email on XX/XX/XXXX saying I made a purchase through PayPal which I didnt. I immediately contacted PayPal but they were closed. I also contacted my bank and had my card canceled. I sent in a dispute on the fraudulent charges to paypal. 

I received tracking numbers from the supposed items that were purchased but the tracking numbers said they were delivered to a parcel address in XXXX XXXX California on XX/XX/XXXX and XX/XX/XXXX 5 to 6 days before the transaction even occurred. I live in South Carolina and never received the items that I never ordered. 

PayPal has refused to let me speak to a supervisor and said that the transaction did occur even though it didn't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I don't use XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize those transactions I just now had the chance to check my account since I was hospitalized come out to purchases being made. Happy holidays from my family to yours

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On or about XXXX XX/XX/2025, Capital One debited {$330.00} from our Capital One checking account as a payment toward a Capital One Platinum credit card. At the time the payment was made, our online account indicated the card was behind but did not clearly state that the account was closed. 

On XXXX XX/XX/2025, we contacted Capital One by phone and were informed that the credit card account had been closed and that the {$330.00} payment had posted. Capital One representatives stated that because the payment posted, it could not be returned to our checking account, despite there being no open credit card account to apply the payment to. 

Both the deposit account and the credit card are held with Capital One, making this an internal transfer. We requested escalation and a refund of unapplied funds due to financial hardship, but this was denied. Capital One did not provide a clear explanation of where the funds are being held or its policy for handling payments made to closed accounts. 

The refusal to return these funds has caused immediate financial hardship and has interfered with our ability to meet basic transportation needs for employment. We are requesting an immediate refund of the {$330.00} to our checking account and written clarification of Capital Ones policy regarding posted payments to closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Sports & Imports Auto
State: GA

Complaint narrative:
I purchased a vehicle from Sports and Imports on XX/XX/XXXX. At the time of purchase, the vehicle was sold with a dealer warranty, and I also purchased XXXX XXXX XXXX ( XXXX  ) as part of the financing agreement. 

On XX/XX/XXXX, less than one week after purchase, the vehicle began experiencing mechanical issues, including the check engine light and other warning indicators. Prior to surrendering the vehicle for repairs, I was advised that repairs could take up to seven ( 7 ) business days and that a replacement vehicle would be provided if the vehicle was not drivable. Relying on these representations, I returned the vehicle to the dealer on XX/XX/XXXX, and the dealer has retained possession of the vehicle since that date.

I was informed that repairs are performed at a third-party repair facility, but that the dealership retains authority over repair authorization, communication, and vehicle release.

A scheduled payment was due on XX/XX/XXXX. Due to a delay in payroll from my employer, payment was not made on the due date. After the payment became late, the dealer ceased providing updates regarding the status of the vehicle. On XX/XX/XXXX, I received a text message stating that repairs had been stopped due to nonpayment. On that same date, I requested that once payment was made, repairs be paused and the vehicle be released to me as-is, with the understanding that I would return the vehicle for repairs at a later time. I was advised that this would be allowed.

I submitted payment on XX/XX/XXXX. Only after payment was made was I informed for the first time that the vehicle requires a complete transmission replacement and that the third-party repair facility would be closed until XX/XX/XXXX. Following this disclosure, the dealer refused to release the vehicle, despite the prior agreement to allow retrieval of the vehicle once payment was made.

When I requested the previously promised replacement vehicle, I was informed verbally that the vehicle was still drivable, despite the stated need for a full transmission replacement. I was also advised verbally that the company does not provide payment extensions, replacement vehicles, or written or emailed communication, and that all communication is limited to recorded phone calls.

The dealer continues to demand scheduled payments while denying me access to the vehicle, despite the existence of a dealer warranty at purchase and XXXX coverage protecting the collateral. Repair progress and communication were conditioned on payment status, material information regarding a major mechanical defect was withheld until after payment was submitted, and I have been denied written documentation, timelines, or reasonable accommodation while the dealer retains possession of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
* * * * * * BE ADVISED, XXXX XXXX XXXX  is the school in question NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nelnet and the U.S. Department of Education are attempting to collect federal student loan debt without substantiating lawful disbursement.

Disbursements tied to XXXX XXXX XXXXXXXX, now permanently closed, in 2006 were made despite my non-attendance, lack of academic activity, and full-time employment elsewhere.

Nelnet has relied solely on promissory notes and has refused to address enrollment certification, attendance records, or eligibility. They have stated they will close the file without further action.

This is a servicing and compliance failure involving False Certification. A promissory note does not establish attendance or eligibility.

I am requesting : 1. A full review of the enrollment certification of XXXX XXXX XXXX or any XXXX XXXX  in the area or online for the year 2006 and going forward.

2. Written production of attendance and academic records for all of the semesters XXXX and the

Dept of Education are stating I attended. 3. Suspension of collection activity during investigation. 4. Suspension of Negative Credit Reporting during investigation. 5. Appropriate discharge if records can not be produced. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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:
I'm working on XXXX as a XXXX and On XX/XX/year>. Unexpectedly error that prompt all my money on XXXX automatically withdraw to PayPal total of {$30000.00} and my savings for 5 years of work on XXXX as XXXX XXXX XXXX. 

Then I only received {$28000.00} when i reached for any help they tolde it's kind of conversation rate from XXXX to USD however XXXX already sending on USD dollars and I never asked for this. 

Next day I found my balance became {$28000.00} and they keep stealing money from me. 

Plus, I needed someone to solve me problem and it has been over 24 hours with promises that someone would contact you! 

Till the time of this message no one reached me out and keeping me in circles. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
My phone was stolen out of my car and someone accessed my phone and stole my money out my chime account and chime keep denying my claim. My hard earned money is missing I even filled and police report and file a dispute with chime and they deny my claim immediately I need my money back ASAP or i will be taking further actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
I had both a personal and business cashapp account. The personal account was used to send and receive money with friends and family and sometimes business transactions for the small craft booth my daughter in law and I run called XXXX thrift store most transactions were for purchasing materials for said crafts and a few payments were received via cashapp for products. On XX/XX/year> we had someone attempt to pay us {$10.00} multiple times which cashapp flagged and refused when they continued to try to send the payment the last being for {$25.00} which I am not sure why they increased the amount since they only owed us {$10.00}. I blocked said account on both accounts because I was concerned something might be wrong and did not want my accounts compromised, within 24 hours my accounts were shut down. Cashapp reasoning being gambling activity I do not nor have I ever participated in any type of gambling activities and absolutely wouldnt use an account tied to my small business for any such activities. Further this is additionally frustrating because just prior to the accounts being shut down I had ordered new business cards that included our cashtag which are now useless.

I have asked cashapp for proof of what they allege is gambling activity for my records and have not been provided with that information, cashapp in general is very hard to work with or get any real assistance or information from.

It is also known that cashapp has been sued for illegally using AI to flag and shut accounts down for no reason and I feel like this is most definitely the situation here. In addition to this complaint I have filed complaints with the XXXX  and will be following this complaint up with one to the XXXX  attorney general as well.

Company response to consumer: Closed with explanation