vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OK

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: OK

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am submitting this complaint regarding a promotional financing offer that was not honored on a purchase made through XXXX using my Chase credit card. On XX/XX/year>, I purchased a XXXX embroidery machine through XXXX. At the time of checkout, the purchase was presented with a 0 % promotional financing option. I made the purchase based on that offer. After the transaction posted, the promotional financing was not applied. Instead, the purchase was processed as a standard transaction with interest. I contacted Chase customer service multiple times and escalated the issue to a supervisor. I was ultimately told that the promotion would not be honored. However, I have documentation from XXXX confirming the promotional offer associated with my purchase. I made this purchase in good faith reliance on the 0 % financing terms presented at checkout. Had those terms not been offered, I would not have proceeded with the purchase under the same conditions. I am requesting that Chase : 1. Honor the 0 % promotional financing that was presented at the time of purchase, or 2. Provide a comparable resolution that reflects the originally advertised financing terms. I have attached documentation from XXXX supporting that the promotional offer was associated with my order. This situation appears to be a breakdown between XXXX and Chase systems, but as the consumer, I should not bear the financial impact of that error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: OK

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
I sold my leased vehicle to a dealership prior to the scheduled lease end date. The dealership agreed to execute an early lease buyout to take ownership of the vehicle and clear my account.According to my Mercedes-Benz Financial lease agreement , the " Early Purchase Option Price '' explicitly dictates the buyout amount. The contract states that this early payoff price is the sum of several factors, specifically including " ( c ) an amount equal to the Vehicle Turn-In Fee ''. The Vehicle Turn-In fee on my contract is {$590.00}. Because the dealership facilitated an early buyout, the official dealer payoff quote they received from Mercedes-Benz Financial legally included this {$590.00} fee. However, I am now receiving billing notices directly from Mercedes-Benz Financial demanding that I pay this exact {$590.00} fee. This situation indicates deceptive practices : Dealership Fraud : .Lender Double-Billing : Mercedes-Benz Financial is improperly double-billing me for a fee that was already baked into the early buyout price paid by the dealership.Consumers should not be caught in the middle or held financially liable when a dealership fails to remit the complete payoff amount they agreed to, nor should lenders be permitted to pass dealer-shorted balances onto the consumer once a vehicle is sold.I am asking the FTC to record this complaint regarding deceptive auto financing practices and provide any available guidance on holding the dealership and lender accountable so this {$590.00} charge is rightfully cleared from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This loan was orginated, redacted signed and distributed by XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and Wells Fargo in XXXX. None of ths {$190000.00} Refi was received and dispersed by home owners. Home Owner have paid for this property and forwarded an additional {$65000.00} to Wells Fargo who report they have reviewed and approved of this refi. They are expecting and will not terminate the balance of this refi. CFPB has not advise assistance in resolving this matter. Possibly due to reorganization.

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 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
This is now the third time I am submitting a complaint regarding an invalid debt being collected by Aldous & Associates on behalf of XXXX XXXX. I cancelled my gym membership in person at the XXXX, TX location on XX/XX/year> and have not used the gym since that date. Despite cancelling, I continue to be contacted regarding a balance that should not exist. After my cancellation, I stopped receiving member-related communications and even received a promotional email on XX/XX/year> offering me to sign up again for {$1.00}, which clearly indicates my membership was no longer active. Additionally, I confirmed with friends who currently have active memberships at XXXX XXXX that they continue to receive regular gym-related email updates, while I do not. This further supports that my membership was no longer active after cancellation. I have made multiple attempts to resolve this directly with XXXX XXXX and previously submitted disputes, but no action has been taken. I am still being pursued for a debt tied to a service I did not use after cancelling. Additionally, I was threatened that my credit would be negatively impacted if I did not pay, despite the debt being invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: TX

Complaint narrative:
I am filing a complaint regarding an unresolved dispute with Citibank involving an unauthorized charge. The charge in question was from XXXX XXXX on XX/XX/year>, in the amount of {$500.00}. I did not authorize this charge, as I had already canceled the service prior to that date and provided written confirmation of my cancellation to Citibank. Despite this, the merchant charged my card. While the merchant later issued a partial credit of {$68.00}, the remaining charge is still unauthorized. I have been attempting to resolve this issue for over six months. During this time, I have provided documentation, including proof of cancellation, yet the dispute remains unresolved. I was also explicitly advised by a Citibank representative not to pay the disputed amount. As a result of following this guidance, I incurred {$160.00} and {$150.00} in interest charges. Additionally, the handling of this matter has negatively impacted my account. Due to the disputed charge, my grace period was lost, and I am now being charged ongoing interest even though I have been paying my full balance each month. Throughout this process, I have received inconsistent and conflicting information from different representatives. None of the guidance provided aligned from one interaction to the next. I escalated the matter to a manager, who disconnected the call before the issue was addressed. I am requesting that recordings of all calls related to this dispute be reviewed. I have made payments in good faith to avoid further financial harm, but these payments should not be interpreted as acceptance of the charge. I am requesting that the unauthorized charge be fully reversed, that all related interest charges be credited back to my account, and that the handling of this dispute be formally reviewed.

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 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pappas Hayden Westberg & Jackson PC
State: DC

Complaint narrative:
This account was originally with XXXX. At some point, it appears to have been transferred or assigned to Pappas, Hayden, Westberg & Jackson for collection. However, I was never provided with any notice of this transfer, nor did I receive any initial communication from the collection firm. I did not receive a written validation notice within five days of the alleged transfer, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). Specifically, I was never provided with the amount of the debt, the name of the creditor to whom the debt is owed, or notice of my right to dispute the debt. Additionally, I was not given any opportunity to verify the debt or to resolve or settle it prior to it being reported as a collection account on my credit report. I first became aware of the alleged collection only after it had already been reported, which has negatively impacted my credit. Under 15 U.S.C. 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations, including reporting a debt without proper validation or communication. Further, under 15 U.S.C. 1692g ( b ), if a consumer disputes a debt or requests validation, the collector must cease collection activities until verification is provided. In this case, no such verification was ever provided before reporting. Because I was never properly notified or given the opportunity to validate or resolve the debt, I dispute the accuracy and validity of this collection account. I request that the company provide proper validation of the debt and documentation of their authority to collect, or otherwise remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: TN

Complaint narrative:
Fraud charges made recently on XX/XX/year> Chime continues to allow fraudulent charges on my account. I have asked them several times to block these scammers from being able to withdraw money from my account. Chime refuses to block certain merchants when I report that it's FRAUD. They show me no evidence of their investigation. They just tell me these charges are legit and deduct my bank account. These scammers can easily steal money from my Chime account. Chime does nothing to protect me. This has happened several times. I told Chime I'm tired, and I am going to close my account soon. I do not want to bank with someone who does not fight for their customers against FRAUDULENT charges on their account. I disputed the scam charges again. New ones pop up every couple of months. They do nothing to protect their customers!! I have complained and they don't care. These charges were posted XX/XX/year>. Someone hacked my Chime account again. I changed my password, the thief added my card to XXXX XXXX and used my on-line bank card. The thief transferred money from my savings account to my checking account. The thief purchased XXXX, XXXX, XXXX XXXX, XXXX, stuff un-authorized charges from my bank card through Chime. These scammers have done this several times and Chime does nothing about it. Identity theft is REAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX, I was using my desktop XXXX when I received a fraudulent security alert stating my information was at risk. At that time, I observed my computer being remotely controlled without my permission, including my mouse moving on its own. I immediately disconnected the computer. Shortly after, I received a text message notification that {$2000.00} had been sent from my bank account via XXXX without my authorization. I did not initiate, approve, or verify this transaction. I also did not receive any verification code prior to the transfer ; the only message I received was a notification after the money had already been sent. I reported this immediately to Citibank and filed a fraud claim. My claim and subsequent appeal were both denied based on the transaction being made from a recognized device. However, this does not account for the fact that my device was actively compromised and accessed without my permission. I have filed a police report regarding this incident and can provide documentation. This transaction was unauthorized and resulted from account and device compromise. I am requesting a proper investigation and a refund of the {$2000.00}.

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 2026-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Im reaching out about my Synchrony account tied to a ~ {$6000.00} purchase. After the promotional period ended, I was charged more than {$4000.00} in interest. This came as a surprise. I had autopay set up for the minimum payment and made every payment on time. I believed that as long as I paid on time, I wouldnt be charged interest during the promotional period. I did not understand that the full balance had to be paid within one year or that interest was accruing in the background. The way this was presented was confusing, and I didnt receive any clear alert that I was about to trigger retroactive interest. If I had known, I would have adjusted my payments to pay the balance in full before the deadline. Given my consistent payment history and that this appears to be a misunderstanding of the promotional terms, Im asking for a goodwill review and consideration to remove or reduce the deferred interest charges. Id appreciate having this reviewed by a supervisor. Im happy to provide any additional information if needed.

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: OK

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX, I signed up for a {$1.00} 7-day trial with XXXX. After the trial, I attempted to cancel the service multiple times. However, the merchant 's system repeatedly stated that my email was not registered, which made it impossible for me to log in and cancel the subscription ( clearly indicating in mail communication at XXXX XXXX, XXXX, XXXX XXXX ). Despite my inability to access the account, the merchant continued to charge my credit card {$37.00} every month for 10 consecutive months, totaling {$370.00}. ( Transaction dates- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I have never used or received any services from this company during this XXXX period. I contacted the merchant to dispute these charges, but they initially claimed they could not find any account associated with my information. Only after my financial institution intervened did the merchant acknowledge the account and suspend it on XX/XX/XXXX. I filed a dispute with Bank of America, but they denied my claim, stating it was not " fraud '' because of the initial {$1.00} transaction. This is a billing dispute based on the merchant 's failure to provide a functioning cancellation method, and the bank has failed to properly investigate this systemic barrier to cancellation.

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am disputing approximately {$16000.00} ( XXXX, XXXX, XXXX, and XXXX from XXXX XXXX XXXX ) in charges on my Apple Card that resulted from a social engineering scam. On XX/XX/year>, I received a text message appearing to be from my XXXX XXXX bank regarding suspicious activity. I responded and was then contacted by an individual impersonating a bank representative. During this call, I was told I was verifying fraudulent charges and taking steps to secure my account. While I was on the phone under this false pretense, unauthorized transactions were made without my knowledge or intent. At no time did I knowingly approve or intend to make any purchases. The individual manipulated me into believing I was preventing fraud, when in fact they were committing it. This was a coordinated deception, not voluntary use of my account. I ended the call as soon as I became suspicious and immediately reported the incident to both XXXX XXXX and Apple Card. XXXX XXXX recognized the activity as fraud and resolved the matter accordingly. Due to the nature of this scam, there is no additional third-party documentation beyond the call logs and the spoofed text message I have already provided. However, my timeline, immediate reporting, and consistent account clearly demonstrate that these transactions were unauthorized. I respectfully request that these charges be reclassified as fraud and permanently removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A check payable to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$3900.00} was apparently intercepted in the XXXX XXXX, the payee washed and an alternate payee written in and deposited ( mobile ) at XXXX. Upon receiving an unpaid bill from XXXX on or about XXXX, i viewed my account on line and discovered the issue. I went into the local BofA branch that Monday to make them aware of the error, hopefully complete the necessary affidavit, and start the process of recovery. Rather than allow me to complete the affidavit then and there, they mailed me the affidavit, received on or about XX/XX/XXXX. I completed the information and returned to the branch to have it faxed internally to the fraud department. I have cooperated fully, closing the account and opening a new one to avoid further fraud, filing reports with the police and postal inspector, and waiting patiently while they claim they " investigate ''. I have been a client for decades and the only response i can get from them is that they have not completed their investigation. Frankly there is no investigation- they simply forward the affidavit to XXXX and hope i do not complain too much. I have no recourse against XXXX - only BofA does- and they presumably will eventually be reimbursed by XXXX - but meanwhile I am out ~ {$4000.00}, and they are not living up to their error resolution part of our deposit contract - which suggests that as long as i report the error within 60 days of statement i will be reimbursed, but isn't really - pretty much the definition of UDAAP.

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