vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I purchased a money order in XXXX I misplaced it. I recently found it. I wanted to give it to my granddaughter. They rejected it because of the date I have the money order in hand. I took it to the my main local branch here in XXXXXXXX XXXX I was there for one hour to try to rectify the situation. Mainly, its my funds have them deposited back into the account which the money order was drawn on that I still use regularly they informed me that because it is older than seven years after the date of issue the money has gone to the state of Illinois unclaimed money department that I should go online to the XXXX website and find my funds and request them I did so they do not show any thing do me at all in the unclaimed Illinois website. I tried calling customer service for Chase Bank to please get the XXXX sheeted date exact date sent to the state name social address which was used when sending the funds I was told they could not help me go to the main branch which I had already been to tried making an appointment with a banker to be seen so that it may not take an hour of my life again can not even get a return phone call. I feel like Im getting the runaround. The state has no record of my funds. Chase will not provide me with the information to confirm, the funds were sent to the state. Honestly, I feel like my local branch did not know how to handle the situation who to call and just pushed me off that my funds were sent without looking into anything. Its very easy to solve. Tell me the information I am asking then I can go to the state and tell them OK heres the date Chase sent it. Here is the reference number of the date they escheated it. Nothing no assistance cant even get through to someone for being the largest richest bank in the world. They have XXXX XXXX Customerservice and solution solving options for customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am filing this formal complaint against PayPal for the unauthorized reversal of a finalized credit card dispute, the illegal seizure of my private assets, and the intentional obscuring of my financial records. 1. Disregard of Final Bank Ruling : A dispute regarding a transaction with XXXX was fully investigated and officially ruled in my favor by my credit card issuer, XXXX XXXX. Despite this final legal resolution, PayPal arbitrarily ignored the banks decision and reversed the chargeback, creating an unauthorized negative balance in my account. 2. Forced Liquidation and Seizure of Private Assets : To protect my assets, I attempted to transfer my Bitcoin out of PayPal. However, PayPal blocked this transfer due to the negative balance they unilaterally created. I was forced to sell my XXXX to prevent further loss, at which point PayPal immediately seized the full proceeds ( {$98.00} ) without my consent to cover their unauthorized debt. 3. Intentional Obscuring of Transaction History : PayPal is currently hiding the paper trail of these actions. I am unable to view the full details, credits, or debits related to the dispute adjustments and the Bitcoin seizure in my activity feed. This lack of transparency is a deliberate attempt to prevent me from auditing my own financial data and documenting their illegal seizure of funds. 4. Severe Customer Service Failure : I attempted to resolve this through official channels multiple times. However, PayPal representatives hung up on me six separate times without providing any explanation, assistance, or supervisor escalation. PayPals actions constitute a blatant violation of consumer protection laws and financial regulations. I demand that PayPal honor XXXX XXXX original ruling, refund the full amount seized from my Bitcoin sale, and provide a transparent, full accounting of all related transactions so I can close my account permanently. The attached screenshot shows I sold {$120.00} worth of Bitcoin, but only {$23.00} was available to transfer to my bank. PayPal seized the remaining {$98.00} without my authorization. also attached letter from XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Date of Transaction : XX/XX/XXXX This is for a purchase of {$17000.00} purchase made XXXX of XXXX with added delivery using the XXXX XXXX XXXX through Capital One 's 4 year payment plan with {$2800.00} in interest charges. We were told at the time of purchase specialty items and other high demand products would take 1 year to 1.5 years due to COVID delays, demands, and shortages. During this time I stayed in contact with management for updates on the order, I was told not to worry and as long as we were in good standings with our XXXX XXXX XXXX we would be notified when Delivery was on their way. Since then I have been in contact with several managers during the years attempting to receive this order. Due to XXXX not having a corporate phone number and only able to deal with the direct stores manager, no resolution or contact has been made on their behalf. In XXXX of XXXX after completing the 4 year XXXX XXXX XXXX XXXX plan, I spoke with XXXX and XXXX XXXX and XXXX XXXX requesting the order be cancelled and refunded to the original payment method with the interest. The credit card was taken out specifically for this home remodel, haven't received delivery and have now paid off the full amount using the XXXX XXXX XXXX. I have paid interest on the card, lost on my property, and have not heard any resolution from the management at the XXXX XXXX XXXX XXXX XXXX. I would like this order cancelled, money refunded to the original payment with the loss of interest on an order that was never fulfilled. Corporations should not be able to steal XXXX from consumers and wash their hands of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
To Consumer Financial Protection Bureau, I am filing a complaint regarding a denied credit card dispute with American Express for an XXXX hotel booking. On XX/XX/year>, I booked a non-refundable hotel room and added insurance for {$150.00}, which stated a full refund upon cancellation. Shortly after booking, I canceled due to personal circumstances while traveling with my XXXX XXXX. During a phone call with XXXX, I explicitly confirmed more than once that I would receive a full refund. The representative confirmed this and processed the cancellation, including the insurance, which was later refunded. However, few days later I was charged the full hotel amount of {$2600.00}, and my refund request was denied on the basis that the insurance had been canceled. This directly contradicts what I was told during the cancellation call. I relied on this verbal confirmation when canceling, and was charged for a service I did not use. I have not received any documentation explaining the basis used to deny my dispute. I believe the investigation failed to properly consider the merchants explicit verbal commitment at the time of cancellation. I request a full refund and a review of the dispute outcome. Thank you for you consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I used XXXX XXXX XXXX XXXX with XXXX for XXXX and Wells Fargo. I scheduled an online check payment to be paid in the amount of {$1500.00} on XX/XX/year>. The money was withdrawn from my account, but the recipient never received the check. Wells Fargo claims the payment was via an ACH to a bill processor ( presumably selected by XXXX ). The bill processor says I need to speak to Wells Fargo. XXXX says I need to speak to the bank. The bank claims that they sent the money but can not do anything for me. Between XXXX playing games and having lack of transparency with their " XXXX XXXX XXXX, '' which does not appear to be using the bank and everyone pointing fingers at each other, my money is gone, my bill is not paid, and I can not get relief.

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 2026-04-24 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Company : American Express Product : Credit Card Issue Type : Billing dispute / Fraud not properly handled Complaint : I am filing this complaint regarding how Amex handled a fraudulent transaction linked to purchase made in XXXX XXXX. This case involves social engineering fraud during delivery not a standard merchant dispute. We ordered XXXX from XXXX and it was open box delivery, however, on the day of delivery my mom got a message ( attached ) saying " no open box delivery '' from XXXX and the delivery agent refused to open the box and told my mom it is not a open box delivery and tricked her to share OTP without opening the box. Later the technician agent came and opened the box only to find the TV was a used XXXX model completely broken. This is a known SCAM pattern where OTP is obtained through deception before customer has opportunity to confirm receipt of goods. I reported this to AMEX as fraud. However, my claim was denied and treated as standard dispute that OTP was shared. This is incorrect and does not reflect the nature of incident. This situation has caused financial loss as well as mental distress and I expect a fair and thorough fraud investigation consistent with consumer protection standards. Attached is the TV we got after opening box, amex dispute email, XXXX message saying no open box delivery, and XXXX invoice details ( XXXX XXXX is my husband ) Dispute submitted date : XX/XX/XXXX Dispute decision date : XX/XX/XXXX XXXX ordered date : XX/XX/XXXX Amount involved : {$560.00} + {$14.00} ( transaction fees )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a complaint against LVNV Funding LLC for failing to properly validate an alleged debt in violation of the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year>, I sent LVNV Funding LLC a Second written request for debt validation regarding account number XXXX. In my request, I asked for specific documentation, including a copy of the original signed cardholder agreement, a complete chain of title showing ownership of the debt, and a full account history with an itemized balance and how the information has been verified as accurate pursuant to 15 U.S.C. Sec. 1681 s-2. LVNV Funding LLC has failed to provide proper validation. They responded with insufficient documentation that does not establish that I have a legal obligation to pay this debt. Despite failing to validate the debt, LVNV Funding LLC has continued to report the account to credit reporting agencies, Attempted to collect the alleged debt and failed to properly mark the account as disputed and has now passed the alleged debt onto an other debt collector ( XXXX XXXX ) to try and collect on there behalf. This behavior appears to violate the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g ( failure to validate debt ) and 15 U.S.C. 1692e ( false or misleading representations ). I am requesting that LVNV Funding LLC be required Cease collection efforts and remove this account from all credit reporting agencies. I have documentation supporting my claim, including copies of my validation request and any responses received. I am requesting a formal investigation and resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
my request last XXXX to remove the inaccurate information you have reported about my account. However, I notice that you have not adequately addressed the serious violations of the Fair Credit Reporting Act ( FCRA ) and other regulations that I mentioned in my original letter, I also requested a number of documents to validate the information contained in my credit report ; however, I have not received the requested items. Instead, they have responded to my request with nonsensical statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The credit card showed a purchase and payment offset by a credit balance of {$7.00} which I offset against the payment. Then in the prior months statement they wrote of a small balance XXXX cents as a credit XXXX the account. I had already made the payment including the XXXX cents they wrote off. I should have acredit balance of XXXX cents instead they the credit was for on XXXX and I owed a XXXX. I tried twice ro rectify the problem with no satisfaction staying on the phone for over 45 minutes even when wanted asked to speak to a manager. I called their dispute number and once again was put on hold and no one answered it. The card in question was a Citibank Master Card.

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 2026-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
This is a supplemental complaint related to my existing complaint # XXXX against Goldman Sachs Bank USA ( Marcus ) . I am adding critical information that was not included in my original complaint. On XXXX XXXX XXXX, Goldman Sachs conducted an identity verification phone call. During this call, the following serious procedural violations occurred : 1. Refusal to Provide a Translator : Bank representatives refused to provide a translator despite my explicit request. This created a significant language barrier that directly impaired my ability to participate in the process fairly and accurately. 2. Forced Guessing Due to Language Barrier : Because no translation assistance was provided, I did not fully understand the technical nature of the security questions. I was compelled to guess answers to complex verification queries. One question concerned an address, which I guessed correctly however, this address had long been obsolete ( since XXXX, over 10 years ago ), and I have not resided there for an extended period. Under these coercive circumstances, any " failed verification '' result is procedurally invalid and must be disregarded. 3. Use of Obsolete Verification Data : The bank relied on verification questions referencing addresses from XXXX. This is particularly egregious given that I have maintained consistent residency at my current XXXX address for an extended period. The representatives were unable to explain the meaning or context of the questions they were asking, which further confirms that the verification process was conducted improperly. 4. Lack of Meaningful Communication from the Bank : On XXXX XXXX XXXX, I contacted the bank 's chat support to inquire about the reasons for the delay of my funds. The representatives repeatedly provided the same response : they recommended calling a phone number and offered no other information. The bank refuses to provide written explanations for the delay of my funds and directs me to phone support, where the above-described procedural violations have already occurred. I respectfully request that this supplement be attached to my complaint # XXXX and forwarded to Goldman Sachs Bank USA as part of the official complaint record.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

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 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: GLOBAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, my vehicle was declared a total loss. My insurance company, XXXX XXXX, issued a payment of approximately {$20000.00} to my lienholder, Global Credit Union, shortly after the loss. As of today ( over XXXX weeks later ), the lienholder has not properly applied the insurance payment to my loan balance. I have been informed that they are still waiting on title processing through the California Department XXXX XXXX XXXX. However, this delay is outside of my control. Despite receiving the insurance funds, Global Credit Union has continued to : * Accrue interest on the full loan balance ( approximately {$22000.00} ), instead of the remaining deficiency balance ( ~ {$2000.00} ) * Fail to provide a corrected payoff amount * Potentially report inaccurate or negative information affecting my credit This has caused financial harm, including unnecessary interest charges and damage to my credit profile. I have made attempts to resolve this directly, but the issue remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Called company and asked about reported debt and for original contract to dispute and they said no they cant supply what Im asking for only statements of account balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 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: CITIBANK, N.A.
State: VA

Complaint narrative:
During a flight booking on XX/XX/XXXXXXXX XXXX prominently displayed a " New Cardmember Offer '' for the Citi AAdvantage credit card on the trip summary page. The offer advertised a {$200.00} statement credit and XXXX bonus miles. I applied for the Citi AAdvantage card, received approval, and used the new card to pay for the ticket. I completed the booking and paid the full fare. As of this filing, Citibank and XXXX XXXX have not applied the {$200.00} statement credit to my account. I have not received the XXXX bonus miles. I have a PDF screenshot of the XXXX trip summary page showing the promotional offer. I am requesting that Citibank and XXXX XXXX honor the promotional offer as presented during the booking transaction : the {$200.00} statement credit applied to my account and the XXXX bonus miles credited to my AAdvantage account, per the terms displayed at the time of application.

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 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC
State: MO

Complaint narrative:
I am submitting this complaint regarding Nationwide Capital Services due to their failure to provide debt validation after a formal request and continued reporting of an unverified debt on my credit report. On or around XX/XX/year>, I contacted a representative of Nationwide Capital Services and formally requested validation of an alleged debt being reported on my credit file. During that call, the representative confirmed that written validation would be provided and sent to me via email. As of the date of this complaint, I have not received any validation documents, itemization, or supporting evidence regarding this alleged debt. Despite the absence of validation, the account continues to be reported to the credit bureaus as an open account with a balance of {$1000.00}.

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