vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year> I mailed a written request to JPMorgan Chase Bank ( XXXX, DE ) to close my credit card account and reverse the annual fee. This account had been unused for over a year, and there was no reason for it to remain open or incur charges. Chase ignored my written request and did not provide any response or follow-up statement, leaving me unaware that the account remained open. When I later contacted Chase, including speaking with supervisors and using secure messaging, none of the representatives acknowledged or considered my XX/XX/XXXX letter, and my requests for a refund were flatly denied, showing an unfair distrust of my legitimate request. On XX/XX/XXXX, I was told the annual fee could not be refunded because 41 days had passed since the statement closing date. This is entirely due to Chases failure to act on my prior written instructions and lack of communication. I am requesting a full goodwill refund of the annual fee, written confirmation that the account is closed, and a formal internal review of Chases handling of my account and written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: Zip Co US Inc.
State: MO

Complaint narrative:
On XX/XX/year>, a merchant ( XXXX ) issued a refund totaling {$150.00} back to my Zip XXXX account ( ending in XXXX ). The refund covered XXXX separate orders : Order # XXXX {$47.00} Order # XXXX {$58.00} Order # XXXX {$52.00} On XX/XX/year>, I contacted Zip customer support and was informed by a representative that the refund had been received but had not yet been processed. I was told the issue would be escalated. Since that time, I have contacted Zip multiple times via phone and email requesting that the refund be applied to my account. Despite these repeated attempts, the refund has still not been processed. I have not received any follow-up communication, timeline for resolution, or explanation for the delay. As of today, Zip is in possession of my funds but has failed to apply the refund or resolve the issue in a reasonable timeframe. This lack of action after multiple escalation attempts is unacceptable and raises concerns about the companys refund handling practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NV

Complaint narrative:
I am filing a complaint against IQ Data XXXX regarding a collection account reported on my credit report for {$19000.00} from The XXXX XXXX XXXX XXXXXXXX. I previously disputed this account, and it was marked as verified, however I have not been provided adequate documentation proving the validity or accuracy of this debt. The original eviction case related to this account was dismissed, and I vacated the property with a new lease shortly after. I believe the balance may include improper or inflated charges after my move-out date. I am requesting : Full validation of this debt, including an itemized statement Proof of legal obligation for the full balance Documentation showing how the balance increased from {$16000.00} to {$19000.00} If the company can not provide sufficient documentation, I request that this account be removed from all credit reporting agencies immediately. This matter is impacting my credit and ability to obtain housing and financing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I turned over this Pay Day Loan to my credit counseling program. However, I spoke to several people including Supervisors, and they promise that this loan had been revoked and there would be no withdrawal from my banking account. Ace Express had my account information debit card and checking account information. Ace Express generated an ACH withdrawal and cause the bank to charge an overdraft of {$30.00}. Even though I was told this loan had been revoked and would not come out of my account. Ace Express was deceptive and went behind my back and tried to withdraw the loan when they had told me that this loan was revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Someone is using my info and opened this account I never had XXXX and they keep adding this to my credit report I never heard of CREDENCE RESOURCE MANAGE also I never got a letter of a debt validation with my wet signature, indicating that I was the one that opened up the account with XXXX XXXX XXXX, which I never did

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
XX/XX/XXXX : payment made, disbursement across loans was applied incorrectly causing an overpayment of {$310.00} Requested refund in writing via Mohela account messaging on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Attempted to call for help several times but could not ever get through to an actual person.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I am filing a complaint regarding my Barclays-issued XXXX XXXX credit card account following a fraud incident and ongoing billing issues. In 2024, my email and financial accounts were compromised. During this time, unauthorized individuals accessed my bank account and used my own funds to pay off my credit card balance of approximately {$2000.00}. I reported the fraud, and Barclays reversed the payment. Afterward, I contacted Barclays and agreed to repay the balance. I was instructed by a representative to make payments on the XXXX of each month. Beginning in XX/XX/year>, I made consistent monthly payments of {$100.00} as instructed. I recently discovered that every payment over the past year was posted late, resulting in approximately {$40.00} in late fees and additional interest charges each month. Because my email account had been compromised, I did not have access to my billing statements and was unaware that my payments were being treated as late. I did not receive any correspondence via mail since the mailing address was not on my account, as it should have been. I called and corrected that at the time I discovered these transactions. This was not occasional lateness. This was a systematic issue caused by incorrect payment instructions and lack of access to account information after a fraud event. Over the past year, I have paid approximately {$1200.00}, yet my balance has only decreased minimally due to the accumulation of fees and interest. I contacted Barclays to request a review and was only offered a reversal of one late fee and told no further escalation was available. I am requesting : A full refund of all late fees charged since XX/XX/year> A review and adjustment of associated interest charges A recalculation of my account balance I made all payments in good faith under the circumstances and believe this situation warrants a full account review and correction.

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 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paysend US LLC
State: MO

Complaint narrative:
I made an international card transfer using Paysend on XX/XX/XXXX. The transaction is marked as successful, but the recipient has not received the funds. I contacted Paysend multiple times and was told to wait until XX/XX/XXXX. Today is XX/XX/XXXX, and the funds are still missing. The recipient card is active and has received Paysend transfers before, so the issue is not on the recipients side. Paysend is unable to provide proof of delivery or resolve the issue. I am requesting a full refund or immediate investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I had over XXXX in my account would not even let mr get a loan off my own money, because of m race. Now my account is closed. I had a bad experience with them. Even tried to get a loan off my car. Still denied me. They where saying my credit was bad. All that money I had in my account. On my credit report I only owe XXXX. My credit is not that bad. Also thex over charge me in bank fees. I know something went wrong in my account .I know that they took too much money out my account. It was 5 years ago I been trying to look into it for a long time please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime is removing money from my account I lost nearly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, Transunion, and XXXX have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized information on my report. I need these items blocked and removed as soon as possible.

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 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC

Complaint narrative:
Subject : Urgent Complaint Blocked Access to Funds ( XXXX ) I am filing a formal complaint regarding XXXX XXXX XXXX XXXX XXXX My account withdrawals have been blocked despite completing all required identity verification ( selfie with ID, date, and verification code ) on XX/XX/year>. I received confirmation that my documents were accepted. Since that date, I have sent multiple follow-up emails ( 10+ ), but have received no response. XXXX has now imposed a strict withdrawal deadline of XX/XX/year>. However, I am unable to withdraw my funds due to restrictions placed by the company itself. This situation effectively prevents me from accessing my own assets and creates a risk of financial loss. I request : - Immediate investigation into XXXX actions - Assistance in restoring access to my funds - Clarification of my rights in this situation I attached : - Email correspondence - Proof of verification completion - Notice of withdrawal deadline Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: CA

Complaint narrative:
Debt is being reported on my credit report. It was disputed in XX/XX/year> and removed as it was fraudulent. XXXX XXXX XXXX tried to charge me for a parking ticket that was not mine ( acquired outside of my rental contract dates ). Now the debt record has reappeared. Debt collector is SENTRY RECOVERY AND CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX and creditor is XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime Dispute filed XX/XX/year> in the amount {$780.00}. Chime continues to deny the refund using only the bank statement, Ignoring the submitted Documents from The Merchant who also claims the transactions are fraudulent. I submitted 50 plus Documents obtained from the Merchant XXXX. SUBMITTED EMAIL FROM THE asset protection department XXXX XXXX who claimed a fraudster making several unauthorized transactions on XX/XX/year>. Chime continues to ignore and or conduct a proper investigation in this matter. Refusing to contact Merchant on behalf of the Unauthorized Transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Company said online they would do a soft credit check that would not affect my credit score and I was pre-approved for this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
Formal Complaint Inaccurate & Unverified Collection Reporting To Whom It May Concern, I am submitting a complaint regarding a collection account reported by Ability Recovery Services with a balance of {$730.00} to XXXX. The information reported is inaccurate and inconsistent with federal law, including 15 U.S.C. 1681e ( b ), which mandates furnishers ensure maximum possible accuracy. I am requesting : Full validation of the alleged debt, including : Original creditor name and account number Itemization of balance ( principal, interest, fees ) Documentation proving my legal obligation to pay Chain of title / assignment records confirming Ability Recovery Services has the legal right to collect and report this debt Proof of accuracy of the reported balance, including an explanation for discrepancies with other collections reporting on my credit reports Documentation of compliance with FCRA and FDCPA requirements, including notices sent to me If Ability Recovery Services can not provide the requested documentation, this account is unverified, inaccurate, and misleading, and I demand immediate deletion from XXXX. A manual investigation is requested, and automated responses will not suffice. 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 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding the denial of baggage insurance coverage associated with my American Express XXXX XXXX. I submitted a claim for damaged baggage and provided all requested documentation, including purchase receipt, baggage damage photos, airline ticket receipt, baggage tag number, and proof of payment using my American Express XXXX XXXX. The claim was denied on the basis that the full fare was not charged entirely to the card because airline loyalty points were applied to reduce the ticket price. I believe this reasoning is incorrect and inconsistent with the benefit terms. The airline loyalty points were part of the airlines membership program promotional benefit and functioned as a pricing adjustment. After the points were applied, the final ticket price determined by the airline was paid entirely using my American Express XXXX XXXX. No portion of the payable balance was charged to any other credit card or payment method. XXXX XXXX points are not cash equivalents and can not be redeemed outside the airline program. They do not constitute an alternative payment method in the same way as cash or another credit card. The final fare charged to my American Express XXXX XXXX was paid in full, satisfying the requirement that the trip be paid using the eligible card. The denial appears to rely on an interpretation that points have monetary value and therefore disqualify coverage. However, this interpretation was not clearly disclosed when promoting the card benefits and creates a misleading expectation of coverage for cardholders who pay the final ticketed fare using the eligible card. Given the significant annual fee for the American Express XXXX XXXX, I relied on the advertised travel protection benefits when making travel arrangements. I respectfully request : 1. A reconsideration of the claim decision based on the fact that the final ticketed fare was paid entirely with the eligible card 2. Clear identification of the exact policy language used to deny the claim 3. Clarification of how loyalty points are treated under the benefit eligibility requirements 4. Fair resolution consistent with the advertised card benefits I have documentation available showing the final fare charged to my American Express XXXX XXXX and proof of the baggage damage. I am seeking a fair review of this claim and transparency regarding how benefit eligibility is determined when loyalty points are used to adjust airfare pricing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX, and Equifax have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized information on my report. I need these items blocked and removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against National Credit Systems regarding their conduct over the past year in relation to an alleged debt. Over the course of the last year, National Credit Systems repeatedly engaged in excessive and harassing communication practices. I received numerous phone calls from them daily, which caused significant stress and disruption to my daily life. Despite my attempts to resolve the matter, the experience was consistently unprofessional and distressing. When I attempted to contact them to discuss settling the account, representatives would frequently hang up during conversations. On multiple occasions, I requested to speak with a supervisor, but the supervisor I was connected with was rude and dismissive. Additionally, the representative assigned to my case, identified as XXXX XXXX, was particularly disrespectful in her communication. I also requested to be transferred to another representative due to the poor treatment I was receiving. However, instead of addressing my concerns, I was told that if I did not pay the debt, I would be unable to get approved for auto loans and would face higher deposits. These statements felt intimidating and coercive. Furthermore, due to National Credit Systems handling of this matter and lack of a thorough investigation, I was denied approval for other apartment applications. This placed me in a very difficult situation, leaving me with no reasonable choice but to pay the balance in full in order to secure housing. Overall, my experience with this company has been extremely negative. Their actions have caused financial harm, emotional distress, and hardship in securing housing. I am requesting that this matter be reviewed thoroughly, including their communication practices, handling of disputes, and the conduct of their representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have several Pay Day Loans that are going to be paid off by my Credit Counseling Program They were setup on Debit Card and ACH the Bank will not charge to stop Debit Card withdrawals, but a fee is required to stop an ACH withdrawal. This is unfair to the consumer because the Bank is cashing in or taking advantage of this type of fee from the consumer. I was told I would be notified within 48 hours of what the Bank would decide to do this is deceptive action from the bank to the Consumer. WHY because the Bank can cash in on Pay day Loans that are setup on ACH withdrawals and charge {$30.00} each if there are more than one that needs to be stopped. This is a setup between the bank and Payday Loans Lenders. Even though Pay Day Lender says that they will revoke the withdrawal the bank will try and put it through again this is very deceptive of both Pay Day Lenders and the Bank.

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