vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 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: NY

Complaint narrative:
On XX/XX/year>XXXX XXXX charged my PayPal business account USD XXXX under transaction ID XXXX. I had already cancelled the subscription directly with XXXX and requested a refund based on XXXX own published XXXX money-back guarantee in its Terms & Conditions. My refund request was made within that XXXX period. XXXX acknowledged my request, opened a support case, and stated that a representative would contact me within XXXX business days, but no meaningful response or refund followed. I informed PayPal repeatedly through chat and email that the real issue was a cancellation/refund dispute and unresolved merchant-support case, not an unauthorized-access issue. I selected the closest option available in the PayPal app only because no better category was offered, and I then expressly clarified this in writing to PayPal support. PayPal told me that I should provide any further correspondence from XXXX as soon as I received it. However, despite repeated requests from my side over more than XXXX weeks, XXXX remained completely silent and provided only automated confirmations of receipt and repeated statements that they would respond within XXXX business days. No substantive response ever arrived. Despite that clarification, and despite knowing that XXXX was not responding, PayPal continued to process the matter under an unauthorized-transaction theory instead of properly reclassifying or otherwise handling it under the correct framework. XXXX support gave inconsistent and repetitive responses, required me to upload supporting documents, and indicated at points that the next procedural steps had to be handled internally by PayPal. During this process, XXXX website and support flow were at times unstable or inaccessible, including an error page/rate-limit message, which further interfered with my attempts to resolve the matter. At the same time, PayPal continued collection attempts against my bank account for the disputed XXXX amount and warned of possible account restrictions, negative balance consequences, and collections. PayPal also sent a payment-demand email for USD XXXX connected to the same XXXX payment and stated it would attempt to collect the amount again from my bank account. When I asked PayPal to stop further collection attempts while the dispute remained unresolved, PayPal did not properly address the issue. I spent many hours trying to resolve this through PayPal support, but PayPal failed to meaningfully address the actual refund and cancellation issue. All related correspondence, screenshots, automated confirmations, and supporting documents can be provided by me upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The credit report contains inaccurate and unauthorized entries that do not reflect my actual credit history. These items are misleading, may negatively affect my creditworthiness, and could result from errors, identity theft, or fraudulent reporting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and demand the correction or removal of such items. I formally demand that all inaccurate and unauthorized items be immediately investigated and removed from my credit report. I request written confirmation once these items have been corrected or deleted. Additionally, I request that any credit reporting or inquiries related to these disputed items be corrected to prevent further harm to my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XX/XX/year>, I submitted a Qualified Written Request ( QWR ) to Shellpoint Mortgage Servicing regarding an unexplained escrow advance of {$2300.00} that was applied to my mortgage loan ( Loan # XXXX ). This balance was reportedly related to a property tax payment advanced by a prior servicer ( XXXX ), despite the fact that I pay taxes and insurance directly and was never notified of any deficiency. I requested the following : An itemized breakdown of the escrow advance Proof of any tax payment made and the corresponding tax authority Any penalties, fees, or interest included in the amount The section of my mortgage or deed of trust authorizing reinstatement of escrow Written confirmation that escrow would be removed once the advance was repaid Shellpoint responded on XX/XX/year>, but failed to address any of these questions. They sent a generic loan summary and copies of my Note and Deed of Trust, without referencing the disputed transaction or providing the requested documentation. Since then, Ive made multiple payments to reduce the escrow balance. It is now negative ( {$1700.00} ), and I am nearing full payoff. Despite this, Ive received no confirmation that escrow will be removed or that my monthly payment will return to its prior amount. My attempts to follow up have gone unanswered. I am requesting a full and specific response to my QWR and immediate confirmation that the escrow account will be closed upon full repayment of the balance.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/year>, I applied and was approved for an American Express XXXX XXXX XXXX. Upon receiving and activating the card, I specifically called American Express customer service to verify the Welcome Offer terms. The representative explicitly confirmed that my account was eligible for an XXXX welcome bonus after meeting a spending requirement of {$8000.00} within the first XXXX months. Based on this verbal confirmation from an authorized representative of the company, I proceeded to use the card as my primary payment method and successfully met the {$8000.00} spending requirement. However, the XXXX points were never credited to my account. When I followed up through XXXX subsequent phone calls, American Express informed me that they were denying the bonus, claiming I was ineligible because I previously held a XXXX XXXX XXXX I believe this constitutes misleading and deceptive consumer practices. I only committed to the significant {$8000.00} spend because a company representative had already verified my eligibility for the XXXX bonus. Had I been told I was ineligible at the start, I would not have directed my spending to this specific card. I request that American Express honors the verbal agreement made by their representative and credits the XXXX points to my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Financial Management Solutions, LLC
State: SC

Complaint narrative:
I am filing this complaint against FMS Financial Solutions regarding a collection account being reported on my credit file that is inaccurate, unverified, and has caused significant financial harm. The account in question is a rental-related debt allegedly originating from XXXX XXXX XXXX XXXX XXXX by FMS Financial Solutions as a collection account with a balance of approximately {$9100.00}, originally reported around XX/XX/year>. I have previously disputed this account with the credit bureaus, and the account is currently marked as consumer disputes this account. However, despite my dispute, the account remains on my credit report without any proper validation or supporting documentation. FMS Financial Solutions has failed to provide : A signed lease agreement or contract bearing my signature Proof that I am legally responsible for this alleged debt Itemized statement showing how the amount of {$9100.00} was calculated Documentation proving their legal authority or ownership of the debt Any evidence that this debt was properly assigned or transferred to them Additionally, the account has remained unchanged after reinvestigation, which indicates that no meaningful investigation was conducted. This inaccurate and unverified reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically regarding the requirement that all reported information must be accurate and verifiable. As a result of this reporting, my credit profile has been severely damaged, limiting my ability to obtain credit, secure financing, and maintain financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: SUNCOAST CREDIT UNION
State: GA

Complaint narrative:
CFPB XXXX Credit Card XXXX XXXX XXXX : Suncoast Credit Union XXXX : Credit Card Complaint : I am filing a complaint regarding an unexplained and sudden reduction in my credit card limit by Suncoast Credit Union. I was traveling thru XXXX and used my card to get gas but when pumping, I was cut off at {$3.00}. This put me in a position of panic with no other card to retrieve my gas and thought it was because I did not use my travel notifications online as I forgot. Then discovered I was incorrect leaving me shocked & surprised. My credit limit was reduced from {$24000.00} to {$4000.00} without any prior notice, warning, or clear justification. I have been a loyal member for over XXXX years and maintain a strong credit profile, including an XXXX XXXX score of approximately XXXX. This credit card is my primary account used for essential expenses, including rental-related payments. The abrupt reduction has created a significant hardship by increasing my credit utilization and potentially impacting my XXXX XXXX, as well as my ability to manage recurring obligations. I was informed that this action may have been the result of an automated or internal review process, yet no specific reason was provided. Additionally, I have been told that I must submit a new application to restore my previous credit limit, which I find unreasonable given my long-standing history and responsible usage. Key concerns : No prior notice of adverse action No clear explanation for the reduction Negative impact on credit utilization and financial stability Requirement to reapply for previously established credit Requested Resolution : A full explanation for the credit limit reduction Immediate review and restoration of my previous {$24000.00} credit limit Assurance that proper notice will be provided for any future account changes Review of internal policies regarding arbitrary or automated credit limit reductions I respectfully request that this matter be reviewed promptly and resolved fairly. I believe this action may not comply with fair lending and consumer notification standards and request a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/year>, a wire transfer of {$30000.00} was sent to my account at Citibank but was rejected. The funds returned to the sender were reduced by {$40.00} ( XXXX returned : {$29000.00} ). A Citibank employee XXXXXXXX XXXX contacted the Citibank XXXX Department on XX/XX/year>, and the department denied deducting any " rejection fee '' or " processing fee. '' However, the funds were reduced while in Citibank 's possession. This unauthorized deduction was not disclosed in the fee schedule provided at the time of the rejection. I am requesting that Citibank 's XXXX office review the XXXX logs to identify the origin of this {$40.00} deduction and provide a full refund of the withheld principal. You can find the relevant statement of the XXXX account where the wire transfer originated from and returned to.

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 2026-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Update to my existing CFPB complaint ( filed in late XX/XX/year> ) : I have not received any meaningful update or provisional credit despite the banks earlier commitment. On our last call, the case XXXX XXXX XXXX XXXX stated she would provide an update by XX/XX/XXXX or XXXX, and if more time was needed, provisional credit would be issued. Instead, I received an email pushing the next update all the way to XX/XX/year>, with no mention of provisional credit. The majority of my debit card disputes ( totaling approximately {$150000.00} ) remain closed in the app. The {$2000.00} claim from XX/XX/XXXX is still open and under review while awaiting the merchant response. This is inconsistent with the earlier reopening of XXXX claims. As previously provided, my disputes are based on duplicate charges and non-delivery of the services/credits I paid for. I had approximately {$190000.00} in redeemable XXXX XXXX credits that I can no longer access because my account is locked. This lock occurred after the unscheduled maintenance wipe, supports refusal to restore balances, their admission that stats for rakeback and bonuses are inaccurate, and the not allowed in your state errors with random malfunctions. This further demonstrates non-delivery of the functional services and redeemable value I paid for. I have scheduled payments that were set up weeks ago. Without provisional credit, these will cause overdrafts in my account. The claims were initially closed within XXXX hours without any investigation after being sent to the wrong department. A proper investigation under Regulation E 1005.11 has clearly not been completed. The bank is required to issue provisional/temporary credit if the investigation can not be completed within XXXX business days of receiving a complete notice of error. No provisional credit has been issued. I request that Wells Fargo be directed to : Immediately reopen the claims under Regulation E 1005.11. Issue provisional/temporary credit on all qualifying claims without further delay, consistent with the {$2000.00} claim. Provide a clear written explanation of the status flipping and the timeline for resolution. I have continued to communicate via Secure Message and email, but have received no substantive 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 explanation
Consumer complaint received 2026-04-08 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: SC

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am submitting a complaint regarding the handling of a debit card transaction dispute by Bank of America. On XX/XX/year>, I made a {$2000.00} payment via debit card to an organization identified on my bank statement as XXXX XXXX ( c ) ( XXXX ) XXXX This payment was made in good faith as a charitable contribution following a fundraising presentation for a retreat center project. After the transaction, I did not receive the required written acknowledgment of the donation for charitable contributions of this amount. I made multiple attempts to contact the organization to request proper documentation, but received no response. The organization 's website is no longer active, which raises further concerns about potential misrepresentation. After I couldn't obtain the required documentation and the organization was unresponsive, I contacted Bank of America to dispute the transaction. I explained that the payment was made under the belief that the organization was a legitimate non-profit, and that I was unable to legally require acknowledgment or any response from the organization. Bank of America opened a claim and conducted a review, but ultimately denied my dispute, stating that the transaction fell outside their time limit for disputes. However, I believe this decision does not adequately consider the nature of the issue. This isn't a simple billing error or a buyer 's situation. The concern involves potential misrepresentation and the recipient 's failure to meet basic non-profit compliance obligations. I acted in good faith, attempted to resolve the issue directly with the organization, and escalated to the bank only after it became clear the organization was unresponsive. I am requesting that Bank of America reconsider my claim, given the potential misrepresentation, and review whether any exceptions or additional protections may apply. I have been a preferred customer with Bank of America for over XXXX years. My accounts and relationship with BOA are in excellent standings I am seeking a fair review of this matter and any available remedy, including reconsideration of the dispute decision. Thank you for your attention to this matter. Sincerely, 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 2026-04-08 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:
" In XX/XX/XXXX, my XXXX XXXX XXXX trustee ( XXXX of XXXX XXXX XXXX. XXXX ) disbursed the final payment to Capital One Auto Finance XXXX satisfying my secured vehicle claim in full. The XXXX XXXX XXXX ( XXXX ) official trustee ledger confirms : Claim Payment Complete {$23000.00} paid of {$23000.00}. The final disbursement was made in XX/XX/XXXX, months before my bankruptcy case was dismissed in XX/XX/XXXX. Despite this, following the dismissal of my XXXX XXXX case in XX/XX/XXXX, Capital One Auto Finance has threatened repossession of my vehicle. This debt was fully satisfied through the bankruptcy plan prior to dismissal. The subsequent dismissal of the case does not reverse, void, or negate payments already received by Capital One Auto Finance from the trustee. I have taken the following actions : XX/XX/XXXX : I sent a formal certified dispute letter to Capital One Auto Finance, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, with full XXXX documentation attached showing the claim as paid in full. I am simultaneously filing this CFPB complaint because Capital One Auto Finance is attempting to collect on and/or repossess collateral for a debt that was fully XXXX through trustee disbursements prior to any dismissal. Capital One Auto Finance threatening repossession on a fully satisfied debt may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) if adverse information has been reported to credit bureaus based on this already-satisfied debt. I am requesting that Capital One Auto Finance immediately cease all collection and repossession activity on this account, confirm in writing that the balance is XXXX, and correct any adverse credit reporting related to this vehicle account with all three major credit bureaus. - I will also be sending another certified letter to Capital One Auto Finance, XX/XX/XXXX after receiving a letter threatening to repossess the vehicle while still not providing an APPROPRIATE response to my first certified letter received by Capital One Auto Finance on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Bread Financial Bank formally Comenity Bank has an XXXX credit card. Not only me but many of my family members also have this card. Balances are paid off in XXXX before due date and then the bank charges interest rates on a ZERO balance, then continues to add late fees and more interest charges. In my case. Balance on my card {$68.00} and was paid in full XX/XX/XXXX which left a XXXX balance due when the due date came around. Due date was XX/XX/XXXX, on XX/XX/XXXX an interest charge was added to my account. XXXX XX/XX/XXXX a late fee was then added on to the already PAID off account and then on XX/XX/XXXX another interest charge was added. I started to pay the balance but then decided to check the statement because I knew I paid if off in full. Much to my surprise the charges were on there. I did not make any payment. This has also happened to me SO, however, he was charged much larger fees than I was and he never received a statements in the mail the entire time he had his account. He also went into the store each time he made a purchase and paid the card off in full but yet was still charged fees each month. We originally opened this account due to a friend that was working at the store at the time and they are required to ask people if they want to sign up for the card and they have to have so many accounts opened during a time frame. When I spoke to her about this and how upset I was she then informed me that they did the same thing to her fathers account. Very unethical credit card practices. I could not understand the person on the phone when I spoke to someone.

Company response to consumer: Closed with monetary relief