vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount GR Holdings, LLC
State: IN

Complaint narrative:
Previous CFPB Complaint Reference : XXXX ( filed ~May XXXX, XXXX ) Narrative / Description of Complaint I am filing this follow-up complaint against XXXX & XXXX Technologies, XXXX XXXX XXXX XXXX for XXXX violations related to my solar loan originally originated with LoanPal/XXXX Key Facts : On XX/XX/XXXX, I entered a Loan Agreement with LoanPal, XXXX for {$49000.00} at a fixed interest rate of 2.99 % ( see attached Loan Agreement ). A XXXX XXXX XXXX ( # XXXX ) was filed on the solar equipment only ( attached ). Payments were made via autopay through XX/XX/XXXX with no prior missed payments. Servicing was allegedly transferred around XX/XX/XXXX to XXXX. I received no proper notice of the transfer. Specific Violations by SST : Insufficient Debt Validation SST has provided only weak, incomplete documentation ( a one-page transaction history and the original LoanPal agreement ). They have refused to provide : Full chain-of-title / assignment documents from LoanPal XXXX XXXX. XXXX verified payment history showing why autopay stopped after XX/XX/XXXX. Incorrect Interest Rate ( Breach of Contract ) SST documents reference a 7 % interest rate, which directly contradicts the original fixed 2.99 % rate in the signed Loan Agreement. I never agreed in writing to any rate increase. Inaccurate Credit Reporting ( FCRA Violations ) I disputed the inaccurate SST entries with XXXX XXXX XXXX XXXX. The bureaus did nothing. Negative mark remains XXXX continues to report false information, including the wrong interest rate and balance. Harassing XXXX XXXX XXXX has made repeated calls ( including after I disputed the debt ) using aggressive tactics. They claim they are not subject to the FDCPA, yet their behavior violates consumer protection standards. Failure to Respond Adequately to Prior CFPB Complaint SSTs XX/XX/XXXX response to my previous complaint was evasive and did not correct the issues. Requested Resolution : SST must immediately provide : Complete chain-of-assignment documents with proof of transfer. Full payment history from origination to present. Copy of any UCC Amendment/Assignment. Written confirmation that the interest rate remains 2.99 % per the original contract. Copy of the alleged XX/XX/XXXX welcome/transfer letter. Cease all collection activity and credit reporting until the debt is properly validated. Correct or delete the inaccurate tradelines on my credit reports. Refund or credit any improper interest charged above 2.99 %. Pay any applicable statutory damages for FCRA and servicing violations. I have attached the following documents : Original LoanPal Loan Agreement ( showing 2.99 % rate ) XXXX Financing Statement # XXXX SST letters dated XX/XX/XXXX and XX/XX/XXXX My prior dispute letters to SST and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I filed XXXX complaint but now its showing that they charged off over {$4000.00} which was paid after the car was sold thats why they sent me a paid in full letter

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I sent payment to pay the previous statement balance in full. A few days after the payment posted, my credit line was reduced to {$100.00}. I called and asked for the XXXX department and I was told XXXX XXXX did not have XXXX, the only option was to rely the info to a rep for further processing. Problem is I chatted prior to calling and was provided a number to the reconciliation department XXXX- which is a non working number. I called back and spoke to XXXX with XXXX XXXX and recorded the entire conversation which will be attached to this complaint.

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 2026-05-20 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: WA

Complaint narrative:
My credit card has had a fraudulent charge on it. I called the bank to let them know of the fraud. They canceled my card, issued me a new card and credited the fraud amount back to my account. Then, a fraud charge shows up from the same company as before ( XXXX XXXX XXXX XXXX ) on the new card. Again, I called the bank to make them aware of the fraud charge. Again, they cancelled my card, issued a new one, refunded the charge. This has happened XXXX times!!! XXXX XXXX XXXX XXXX has charged my account on XXXX for {$350.00}. On XXXX for {$600.00}. On XXXX for {$1300.00}. On XXXX for {$1300.00}. On XXXX for {$2000.00}. I have called XXXX XXXX XXXX XXXX and asked them to stop my card being charged. They said they cant do anything without an account number with XXXX XXXX XXXX XXXX. I called Bank of America and asked them for an account number that they have for XXXX XXXX XXXX XXXX. They say they do not have an account number. I asked Bank of America to block XXXX XXXX & XXXX from using my card to charge. They say they cant do that. I also asked Bank of America to Turn off the Visa Account updater ( this would prevent my card info from being updated each time I got a new card number- in case the people doing the fraud has my card on an autopay type situation online ) Again, Bank of America XXXX they can not do this!!! Note : I have never lived in XXXX and nobody I know lives there. I am in an awful loop of fraud, new card, fraud, new card, and nobody can help me stop the fraud!! XXXX XXXX XXXX XXXX phone number is 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 monetary relief
Consumer complaint received 2026-05-20 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: CA

Complaint narrative:
PLEASE REMOVE FRAUDULENT ITEMS FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am filing this complaint regarding ongoing issues with obtaining a clear title to my vehicle after full payoff of an auto loan. Timeline and facts : I originally financed the vehicle through XXXX XXXX XXXX via a dealership. I later refinanced the loan with Capital One Auto Finance, which paid off XXXX. I fully paid off the Capital One loan in XXXX. On or around XX/XX/XXXX, Capital One issued a notarized lien release letter confirming the lien is released I have repeatedly attempted to obtain a clear Delaware title. Delaware XXXX records still show XXXX as the lienholder. I provided Capital Ones lien release letter to the Delaware XXXX multiple times ( in person and via email ). XXXX has refused to accept it because their system still lists XXXX. XXXX has refused to issue a lien release, stating they can not help because I did not pay them directly ( even though Capital One paid them off during the refinance ). On XXXX XXXX XXXX, I emailed Delaware XXXX Customer Service requesting they satisfy/clear the lien under Delaware XXXX XXXX XXXX XXXX ( which allows the Secretary/XXXX to clear a lien after 60 days with convincing evidence when the lienholder fails to act ). I attached the Capital One release and explained the full history. XXXX responded that I need a release specifically from XXXX. When I explained the situation again, they replied on XX/XX/XXXX : Unfortunately at this time, it is a civil matter between you and the bank. You may attempt to see if Capital one may obtain a lien release letter stating the lien was taken over by them. ( I have attached this email thread. ) Harm caused : Despite paying off the loan in full more than 9 months ago ( and the original refinance/payoff happening well before that ), I still can not obtain a clear title to my own vehicle. This interferes with my ownership rights, makes it difficult or impossible to sell or properly register the vehicle, and has caused ongoing frustration and wasted time dealing with unresponsive lenders and XXXX bureaucracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: VA

Complaint narrative:
We went into our business PayPal account for XXXX XXXX XXXX to add funds from our bank to make some payments and received this message '' You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 150 days, after which well send you an email with instructions about transferring your money. Reference ID : XXXX '' We don't know what we did wrong nor can we get any reason/explanation nor an opportunity to remedy from PayPal. Just a black hole with no way to work witj them to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: IN

Complaint narrative:
Previous CFPB Complaint Reference : XXXX ( filed ~XXXX XXXX, XXXX ) Narrative / Description of Complaint I am filing this follow-up complaint against Systems & Services Technologies, Inc. ( SST ) for continued violations related to my solar loan originally originated with XXXX. Key Facts : On XX/XX/XXXX, I entered a Loan Agreement with XXXX, XXXX for {$49000.00} at a fixed interest rate of 2.99 % ( see attached Loan Agreement ). A XXXX XXXX XXXX ( # XXXX ) was filed on the solar equipment only ( attached ). Payments were made via autopay through XX/XX/XXXX with no prior missed payments. Servicing was allegedly transferred around XX/XX/XXXX to SST. I received no proper notice of the transfer. Specific Violations by SST : Insufficient Debt Validation SST has provided only weak, incomplete documentation ( a one-page transaction history and the original LoanPal agreement ). They have refused to provide : Full chain-of-title / assignment documents from XXXX XXXX SST. Complete verified payment history showing why autopay stopped after XX/XX/XXXX. Incorrect Interest Rate ( Breach of Contract ) SST documents reference a 7 % interest rate, which directly contradicts the original fixed 2.99 % rate in the signed Loan Agreement. I never agreed in writing to any rate increase. Inaccurate Credit Reporting ( FCRA Violations ) I disputed the inaccurate SST entries with XXXX, XXXX, and XXXX. The bureaus did nothing. Negative mark remains SST continues to report false information, including the wrong interest rate and balance. Harassing Collection Activity SST has made repeated calls ( including after I disputed the debt ) using aggressive tactics. They claim they are not subject to the FDCPA, yet their behavior violates consumer protection standards. Failure to Respond Adequately to Prior CFPB Complaint SSTs XX/XX/XXXX response to my previous complaint was evasive and did not correct the issues. Requested Resolution : SST must immediately provide : Complete chain-of-assignment documents with proof of transfer. Full payment history from origination to present. Copy of any UCC Amendment/Assignment. Written confirmation that the interest rate remains 2.99 % per the original contract. Copy of the alleged XX/XX/XXXX welcome/transfer letter. Cease all collection activity and credit reporting until the debt is properly validated. Correct or delete the inaccurate tradelines on my credit reports. Refund or credit any improper interest charged above 2.99 %. Pay any applicable statutory damages for FCRA and servicing violations. I have attached the following documents : Original XXXX XXXX Agreement ( showing 2.99 % rate ) UCC-1 Financing Statement # XXXX SST letters dated XX/XX/XXXX and XX/XX/XXXX My prior dispute letters to SST and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I need the purchase agreement and insurance Also, claim, and verification of the statute of limitations. " Provide the original written agreement with my original signature. '' not digital signature. The original contract was back in XX/XX/year> " Send the last billing statement from the original creditor. " Provide proof you're authorized to collect this debt. " Send the chain of assignment showing legal ownership. '' FCRA, it is liable to the consumer for actual damages and the consumer 's reasonable attorney fees and costs.liability I'm requesting XXXX Clam writing to request the blocking of inaccurate information on my credit report that resulted from identity theft, pursuant to the Fair Credit Reporting Act, Section XXXX ( XXXX U.S.C. XXXX ). " Send the chain of assignment showing legal ownership. '' XXXX XXXX XXXX XXXX ( a ) ( XXXX ) is a provision under the Fair Credit Reporting Act '' Send the chain of assignment showing legal ownership. '' XXXX XXXX Code XXXX ( a ) ( XXXX ) is a provision under the Fair Credit Reporting Actwhom it relates XXXX XXXX Code XXXX ( XXXX ) ( You have a right to privacy. If you consider my late payments to be private information, they must be deleted from your credit ) XXXX XXXX Code XXXX ( XXXX ) XXXX ( Any payments during XXXX are required to be deferred or forgiven )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: PA

Complaint narrative:
My credit card was lost and stolen sometime between XX/XX/XXXX and XX/XX/XXXX for XXXX in total someone has been using my card casually overtime I havent noticed until later because I mostly used my tap to pay and have not been using the app during that time Ive provided proof of it not being transactions by me and Im still being denied for no billing error but my card was stolen and they are still requesting proof for a card that was stolen Ive even went as far as contacting the merchants, making a police report and making multiple calls to speak with different departments and all they would do is talk over me and hang up on me as a resolution I havent spoke with someone level headed and willing to hear me out yet Ive been being dismissed and disrespected so this is more than just my money not being replaced my money is being in the hands of people Im not sure I can trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: NC

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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: NC

Complaint narrative:
Account and card locked on XX/XX/year>. Called customer service number was sent a link to send a picture of my ID. I did so and an error message was sent back stating the ID was expired. It was not. I had a library social worker call the customer service number again. I was given a fax number. The same day I faxed my ID. On XX/XX/year>, the social worker called the customer service number again. Was told the copy of the ID was denied. Told to fax it again. I called on XX/XX/year>. And was told the fax of the ID was denied. Furthermore, was told by both the representative and multiple supervisors that they could not see the reason for the denial and that they can not contact the XXXX Department. Again, I both completed the link AND faxed over again. On XX/XX/year>, I called XXXX. And again, I was told they're not sure why it was denied but that I need to send it again. I am now making a formal complaint as I have severe medical problems, am on medications, and am currently am homeless and am NOT ABLE to access MY benefits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I previously submitted a CFPB complaint regarding deferred interest charged to my Wells Fargo promotional financing account. While Wells Fargo provided a response explaining the promotional terms, my concerns were not fully addressed, and after submitting follow-up feedback on XX/XX/XXXX, I have received no further response or workable resolution. I am not disputing that the deferred interest was applied according to the promotional agreement. My request is for a goodwill adjustment based on the totality of the circumstances and my repeated good-faith efforts to resolve this matter. Wells Fargo stated that notifications and a conditional adjustment offer were sent ; however, I did not receive the referenced correspondence by mail, email, or within my Wells Fargo online account messages/documents. I confirmed with my property XXXX that no physical correspondence was received on my behalf. I also previously used promotional financing on this same account in XXXX and successfully paid that balance in full within the promotional period, as reflected in my payment records and Wells Fargo account history. This missed deadline occurred during an exceptional period of hardship, including becoming a first-time mother in XX/XX/XXXX and experiencing unemployment. Despite these circumstances, I have continued making monthly payments and remain willing to resolve this account responsibly. I previously offered to immediately pay the remaining promotional principal balance if Wells Fargo would provide a reasonable goodwill adjustment to reduce or waive the deferred interest. The only offer provided required a payment amount I was unable to meet within the required timeframe. I am requesting reconsideration for a goodwill adjustment to waive or significantly reduce the deferred interest so that I may resolve the remaining balance responsibly. I have continued acting in good faith and making payments while attempting to resolve this matter, but I have not received a workable resolution or follow-up response after submitting additional feedback.

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE

Complaint narrative:
I made a balance transfer with Bank of America to take advantage of a limited time offer for XXXX interest. Now that the XXXX interest period is past, I attempted to pay off the card. Bank of America has locked the account so that I am forced to only make minimum payments. This is forcing me to pay extra interest. It is predatory lending. I have called them MANY times to resolve, and complained here. It makes no difference. They unlock the account for a day, then lock it again. Now they say that the XXXX number they previously used to verify my identity is " not available. '' The number is fine and will receive their texts. They simply won't allow it. This is essentially stealing the interest from me. I am in XXXX working for the XXXX XXXX. Bank of America tells me the ONLY way to resolve this is for me to walk into a XXXX only branch and bring XXXX forms of ID. This is absurd. They are only doing this to make more interest. There should be a class action suit on this. I am sure I am not the only one they are forcing into such a situation.

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 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I had a vehicle financed through Capital One. I traded the vehicle to a XXXX XXXX for a new truck. The dealership handled everything correctly. Capital One took payment from XXXX, sent the title to XXXX, and after XXXX received the title still took out another payment for the truck from me. The first call led me to believe the money would be returned to the account in XXXX business days. I called Capital One again and was told I would receive a refund by mailed check by XX/XX/XXXX. I called again to see what the status was and was told a check would be mailed by XX/XX/XXXX. I called again today XX/XX/year> and was told another XXXX business days before anything would happen. The payment they took never should have happened in the first place. Now I feel like I am fighting to get money that belongs to me back from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to formally demand that you immediately stop contacting me regarding the alleged debt you are attempting to collect. I dispute the validity of this debt, and I do not authorize any further calls, letters, emails, or other communication from your company. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, you are legally obligated to comply. Continuing to contact me or report this alleged debt after this notice would be considered a willful violation of federal law.

Company response to consumer: Closed with explanation