vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gordon, Aylworth & Tami, P.C.
State: OR

Complaint narrative:
I entered into a payment arrangement regarding these accounts and made multiple monthly payments consistently beginning in XXXX. After experiencing financial hardship and unemployment, I contacted the company in writing regarding my situation and requested communication in writing. I attempted to discuss hardship accommodations, clarification regarding the balances, and concerns regarding responsibility for portions of the debt. Despite my attempts to communicate and my payment history, I received default-related collection notices without meaningful response to my concerns. I am seeking a reasonable resolution, including written communication, clarification regarding the accounts and balances, acknowledgment of my payment history, and consideration of hardship accommodations or modified payment arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-05-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I applied for a Bank of America credit card through their official website, specifically attracted by a {$200.00} cash reward bonus promotion for new cardholders. During the application process, I was prompted to pay a {$99.00} security deposit, which I paid in full to open the account, believing I was eligible for the bonus. However, after the account was opened, I was informed by a representative that my card is a " partially secured card '' and therefore does not qualify for the {$200.00} bonus. At no point during the application or the deposit payment process was it clearly disclosed that this specific card would be excluded from the promotion This is a classic case of " Bait-and-Switch '' marketing. The bank used the {$200.00} bonus offer to entice me into applying and paying a security deposit, only to deny the benefit after the transaction was completed. If the card was ineligible for the bonus, the offer should not have been displayed during my application process. It is misleading to collect a customer 's deposit under the premise of a promotion and then claim exclusion based on the card type that the bank itself issued in response to the application. I prefer to be contacted via email because I can not speak English well.

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 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
A woman named XXXX called me and said I owed {$2700.00} on an HSBC Credit Card that I apparently opened in XX/XX/year>. That amount is only a percentage I owe she said. I asked for the whole amount and she said she didn't have that information. She also stated that they could take me to court or take 35 % of any wages or SSI benefits I may get in the future. She has called 3X now and is wanting money up front. This all happened between the last week of XXXX to this week, she also has given no notice of my debt in any way. Her phone numbers are : XXXX ( her personal number ) XXXX. Please help me if you can. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, I entered into a settlement agreement with Westlake Financial to resolve an outstanding balance. The settlement terms required six ( 6 ) installment payments of {$350.00} each, totaling {$2100.00}, beginning XX/XX/XXXX and concluding XX/XX/XXXX. I made all six payments in full. The first four payments were made at the agreed amount of {$350.00} each within the scheduled installment period. The final two payments were made after the scheduled end date Payment 5 was made on XX/XX/XXXX and Payment 6 was made on XX/XX/XXXX both at {$400.00} each. My total amount paid was {$2200.00}, which exceeds the original settlement amount of {$2100.00} by {$91.00}. The company accepted all six payments without objection, including the two payments made after the XX/XX/XXXX scheduled end date. At no point did the company notify me of any default, reject any payment, or communicate that the settlement terms were no longer in effect. Despite the settlement being paid in full and overpaid by {$91.00}, I was subsequently contacted by XXXX XXXX XXXX XXXX XXXX claiming I owe {$4000.00}. This amount is inaccurate and inconsistent with the settlement agreement and all payments made and accepted. On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX XXXX a formal written dispute and debt validation letter via USPS Certified Mail, Return Receipt Requested, disputing the {$4000.00} amount and demanding validation of the debt pursuant to the FDCPA, 15 U.S.C. 1692g. I requested the complete chain of assignment, itemized accounting, a copy of the original signed contract, and a copy of the settlement agreement. I also directed them to cease all telephone contact and communicate in writing only. I have supporting documentation including bank records confirming all six payments made under the settlement agreement. I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX XXXX XXXX XXXX ceases all collection activity on a debt that has been satisfied in full and overpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
I was overcharged by my County for my property tax by about {$4500.00}. The mortgage company paid it and increased by payment by {$1000.00} a month roughly. Clearly nobody can do that with the economy the way it is so I had to go back have a taxes reevaluated, a refund check sent, and then I made the difference up in the escrow account with Lakeview. This took a ton of calls with this company to get it right. After every payment I made they said the escrow would be evaluated and my payment will be corrected every time I have to call them to get any movement forward the payment went from {$3000.00} a month to {$2700.00} a month and I've had to call them again after the recent payment to get my payment reevaluated so that it's back to the original {$2000.00}. They have a XXXX review score of XXXX, these people should not be able to service mortgage loans they are absolutely horrible. When I make up a {$4500.00} mortgage escrow deficit it should kick something off automatically in their systems that rights the wrong, the consumer should not have to hold the hand of the mortgage company charging 5 % interest.

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 2026-05-06 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
XXXX XXXX billed XXXX to my American Express card for services I did not request or use. I have contacted XXXX XXXX several times to address this and have been unable to get any information on the matter. XXXX told me they have no account in my name or linked to my American Express card. I filed disputes with American Express. One charge was removed, but the others were not. The second dispute was rejected, stating that the XXXX account was linked to my business, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX was closed at the time these charges were made. I enclosed the information sent to American Express. In addition, American Express debited my personal checking account to cover payments on the charges without my consent. American Express also allows the charges to continue after reaching my preset credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: IL

Complaint narrative:
On XX/XX/year> I entered into a signed settlement agreement with my former apartment complex resolving a discrimination dispute. As part of the agreement, the apartment complex agreed to remove the related rental debt/collection account from my credit reporting within 30 days. More than 30 days have passed, and the debt continues to report on my credit file. I have complied with the settlement agreement, but the company has failed to uphold its obligations. The continued reporting of this debt is causing ongoing damage to my credit and financial standing. I am requesting immediate removal of the account from all credit reporting agencies in accordance with the settlement agreement and written confirmation once completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I initially called cash app concerning my refund from XXXX I never received. XXXX gave it to cashapp on XX/XX/XXXX. She said I could have received it XX/XX/XXXX with my other XXXX refund and I said how is that possible when it wasn't processed until the XXXX. She then explained it could have transferred back into that refund. After saying a few weird things like that, that didn't make sense, she said she'd send me proof that I got it. That it would take about XXXX minutes to receive and then we hung up. After XXXX mins I called back and a man answered, I explained and he said he was helping her finish it up and was sending it to me right then. I didn't realize I was looking at my cash app account statement bc that's not what mine looks like. He then told me where to look to see the refund. It was on XX/XX/XXXX and I mentioned that it said " Refund null '' written there and when I pointed out even it said null as I didn't get it he said that's not what that means. The XXXX XXXX pay for that day is above it and it's red like it was spent instead of received. I asked to speak with a supervisor and he said one would email me and we hung up. I realized that he didn't give me a case number so I called back and when I explained, she gave me XXXX it's XXXX and she said she could look into for me and then said I'd received the refund on XX/XX/XXXX. I told her that was weird bc the previous XXXX XXXX said the XXXX. And she asked to put me on hold and then it hung up soon after and went to a survey. I don't know what they sent me but their copy is the XXXX with all the weird times and red and green numbers. Mine is just in XXXX and white I think. I added in XXXX of my dollar tree pay for just a day on the XXXX so you can see it was a deposit and not taken out. Thank you for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I opened a credit card account with American Express and had deposited funds in order to increase my available credit limit. After making those payments, the account received an additional credit increase, however I was advised that the funds needed to remain secured within the account, which ultimately totaled approximately {$12000.00}. At a later point, I requested that the account be closed and that my funds be refunded back to me. In addition to the secured funds, there was also an additional {$4800.00} in returned items/credits associated with the account. As of today, I still have not received those funds. I am simply requesting the release of my refund so this matter can be resolved and closed out completely. I have already completed the requested identity, address, and bank verification process and would appreciate an update regarding the expected release date of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mandarich Law Group, LLP
State: GA

Complaint narrative:
In XX/XX/XXXX, I entered into a settlement agreement with XXXX XXXX to resolve an outstanding balance. The settlement terms required six ( 6 ) installment payments of {$350.00} each, totaling {$2100.00}, beginning XX/XX/XXXX and concluding XX/XX/XXXX. I made all six payments in full. The first four payments were made at the agreed amount of {$350.00} each within the scheduled installment period. The final two payments were made after the scheduled end date Payment 5 was made on XX/XX/XXXX and Payment 6 was made on XX/XX/XXXX both at {$ 400.00} each. My total amount paid was {$2200.00}, which exceeds the original settlement amount of {$2100.00} by {$91.00}. The company accepted all six payments without objection, including the two payments made after the XX/XX/XXXX scheduled end date. At no point did the company notify me of any default, reject any payment, or communicate that the settlement terms were no longer in effect. Despite the settlement being paid in full and overpaid by {$91.00}, I was subsequently contacted by Mandarich Law Group , LLP claiming I owe {$4000.00}. This amount is inaccurate and inconsistent with the settlement agreement and all payments made and accepted. On XX/XX/XXXX, I sent Mandarich Law Group , LLP a formal written dispute and debt validation letter via USPS Certified Mail, Return Receipt Requested, disputing the {$4000.00} amount and demanding validation of the debt pursuant to the FDCPA, 15 U.S.C. 1692g. I requested the complete chain of assignment, itemized accounting, a copy of the original signed contract, and a copy of the settlement agreement. I also directed them to cease all telephone contact and communicate in writing only. I have supporting documentation including bank records confirming all six payments made under the settlement agreement. I am requesting that the CFPB investigate this matter and ensure that Mandarich Law Group , LLP ceases all collection activity on a debt that has been satisfied in full and overpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/year> all stocks I had purchased using cashapp were sold without my permission and the funds were injected into my cashapp account. Previously my account was closed and pursuits through the company to understand why my account was closed and where to appeal the decision proved fruitless. The total value of the stock at the time of selling was {$2500.00}, I did not authorize the selling of my stock and intended on keeping it to further fund my future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I was not in possession of the apartment since last XX/XX/XXXX and they never let me return to collect my belongs after leaving the XXXX. for a week!!! They locked me out!!! I went downtown to the court building XXXX and the county clerk told me XXXX in XX/XX/XXXX and the XXXX in XX/XX/XXXX that an eviction was never even legally filed. Furthermore. They never sent any kind of initial billing stating that I owed ANY amount XXXX summer!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I added a cash back offer to my Chase Freedom card in XX/XX/year> for 5 % cash back on an XXXX purchase. I later made a purchase with XXXX for {$45.00} that posted to my account XX/XX/year>, before the offer expired. I never got cash back for the purchase and when I inquired as to why I was told it was because the purchase was made using XXXX. Under the section on the chase.com website concerning digital payments it explicitly states " When you make a purchase with your credit card in XXXX, youre eligible for the same rewards and offers you get for using your card. ". ( See attachment ) I've used XXXX with Chase offers many times in the past and had no problem receiving the cash back promised. For a payment method whose use is encouraged on Chase 's website ( XXXX XXXX XXXX ) with a guarantee that purchases will be treated the same with regards to rewards and offers to be given as the reason to disqualify a cash back offer is particularly egregious.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
1. I opened Checking and Savings Account with a Bank in XX/XX/XXXX and maintained the Savings account with regular deposits until XX/XX/XXXX. The Checking Account was earlier closed, as it was never used or funded 2. My Savings Account had credit balance of about {$6100.00} until sometime in XXXX when I received the Bank Statement for XX/XX/XXXX to XX/XX/XXXX. The statement showed several withdrawals totaling {$16000.00} 3. I instructed the Bank to recover the money as the withdrawals were unauthorized and to block further transactions on the account until I visit the bank in person. 4. The Bank later confirmed that the money has been recovered and my account re-credited. Thereafter no Bank Statements were sent to me, and I had no further communication with the Bank. 5. I visited the Bank in XX/XX/XXXX to identify myself and withdraw money from the account but to my utmost surprise, the account had only {$0.00} credit. The Bank Manger personally assured me he would resolve and restore the money, as was the case in the earlier occurrence. I protested and reminded him that I had instructed the Bank to block the account to prevent its use until I present myself in person. 6. After several failed efforts, I commissioned a lawyer to seek redress. admitted that after my account was credited with the previously disputed withdrawals of XXXX, the account was again debited in XX/XX/XXXX as the account was not blocked as instructed due to interest that was posting. The legal fee was unsustainable, hence the lawyer dropped out. 7. After several efforts, the Bank opened a Fraud Claim # XXXX in XX/XX/XXXX but failed to communicate any progress 8. In XX/XX/XXXX, I lodged a complaint with Consumer Financial Protection Bureau ( CFPB ). The Bank immediately responded via a letter RE : CFPB Case No.XXXX dated XX/XX/XXXX and enclosed Affidavit Of Unauthorized Online Wire Transfer Form, directing me to return the Formn after completion. I then sent back the completed Form back to the Bank in XX/XX/XXXX XXXX. The Bank again failed to respond to me until I again contacted CFPB ( Ref:XXXX ) in XX/XX/XXXX. 10. In XX/XX/XXXX, the Bank claimed that I was late in submitting the Unauthorized Online Wire Transfer Forms, stating that due to the time period that has elapsed, we are denying your claim due to your failure to notify us of specified unauthorized debits within the time period within which such notice is to be given.

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 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
Dont own this card or debt!!! Please remove from my credit report immediately!!!

Company response to consumer: Closed with non-monetary relief