vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
On or about XX/XX/XXXX a family member was looking over XXXX of my credit card statements and noticed a fraudulent charge by XXXX. XXXX  credit card run by Web bank is the card holder. I contacted XXXX  to dispute the charge and the company let me know that it had been an ongoing charge since XX/XX/XXXX. So I filed a dispute and was told that I would be receiving a credit back for all of the fraudulent charges within a week or so. Today I looked at the app again to see if the credit had taken place and it had not. I contacted XXXX  credit card and they said that they would not be refunding it because I did not catch it earlier. I am a XXXX senior citizen on XXXX with limited income, and certainly do not own a XXXX. I can not read statements that are sent in the mail due to damaged eyesight. When utilizing the app because I am not tech savvy, I can only open the front page and check if my payment has cleared or to make sure that I am not over my limit. I do not know how to do any other functions in the app by myself. I certainly do not own a XXXX or any gaming system nor have I signed up for any sort of XXXX service. XXXX  is requiring that I send them proof that its not my charge which is impossible. All I can do is send them a picture of my television with no XXXX attached. They are refusing to reverse the fraudulent charges that I was unaware of until a family member caught it. I was told by XXXX  credit card that they would be reversing it and now they are refusing. there is no possible way to prove to them that its not my charge. I cant even dispute it with XXXX because I dont have an account with them or have never dealt with them. XXXX  credit card is definitely taking advantage of my position as a senior citizen with limited capabilities in their decision to refuse the reversal. Ive also requested from them any information to be sent by email as I can enlarge it on a screen and attempt to read it or forward it to someone who can read it to me. They keep stating that they will only do things by mail. That they can make a request, but it will only be by mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a new U.S. Bank personal checking account on XX/XX/XXXX, using a promotion code presented during the online application, to be eligible for a {$450.00} new-account bonus. 

U.S. Banks system accepted the promotion at signup, and I received no warning or disclaimer indicating that I was ineligible. Based on this representation, I completed all required activities in good faith, including maintaining the account and completing the qualifying direct deposits. 

In the " New account bonus progress '' dashboard, all requirements were shown as completed except XXXX : Open an account by XX/XX/XXXX. I contacted two U.S. Bank customer service representatives, both of whom confirmed that I had met all requirements and advised that this item would clear by XX/XX/XXXX. 

After XX/XX/XXXX, the system continued to show the requirement as incomplete. I then contacted two additional U.S. Bank representatives and requested escalation. At that point, I was informed that I allegedly opened the account one day too early, and therefore would not receive the bonus. 

This explanation is inconsistent with U.S. Banks own actions and records. I have an email from U.S. Bank confirming that my account was opened on the correct date, and at the time of application, the promotion code was accepted without any indication that I was ineligible. 

U.S. Bank allowed me to enroll in the promotion, confirmed my progress toward the bonus, and assured me that the requirements were met, only to later deny the incentive based on an undisclosed eligibility issue. 

I am requesting that U.S. Bank honor the {$450.00} promotional bonus that was presented and accepted during my account opening

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 2025-12-31 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:
I am filing a complaint regarding Chimes denial of my unauthorized debit transaction dispute. 

On XX/XX/year>, I reported unauthorized debit transactions totaling the amount of {$1700.00} from my Chime account ending in XXXX. I did not authorize, initiate, or benefit from these transactions and I did not share my debit card, PIN, or account credentials with anyone. 

I promptly filed a fraud dispute with Chime ( Claim ID XXXX ) and cooperated fully with their investigation. I also filed both an FTC identity theft report and a police report related to this incident. 

Chime denied my claim and appeal, issuing a final determination letter that did not explain the factual basis for concluding the transaction was authorized. The letter did not identify any merchant evidence, did not confirm whether a chargeback was filed with the card network, and did not address my police or FTC reports.

I believe Chime failed to conduct a reasonable investigation as required under Regulation E for unauthorized electronic fund transfers. I am requesting full reimbursement of the unauthorized amount and a proper investigation consistent with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My husband began a new job in XXXX. His new employer pays via paper check because they are a small business. Capital One keeps holding the funds, despite it being a payroll checks. 

When we called today ( XX/XX/year> ) and spoke to both XXXX and XXXX, I informed them that payroll checks will be deposited via mobile deposit on the XXXX and XXXX of each month, and they stated that the funds will always be held for up to XXXX business days. 

Per Capital Ones terms, checks deposited to a XXXX Checking Account should be available the next business day. They are not abiding by the terms of this agreement or regulations by refusing to release the check. 

We are now unable to pay our mortgage, car payments, and bills because of this issue. Its not like its a random check ; its a payroll check that will be deposited twice a month. 

We would like a regulatory body to hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Debt collector keeps calling me, threw me back in collections and ruined my credit score - already settled debt according to Rep ( XXXX XXXX ). Advised to Rep that I keep getting calls from them to collect a debt, she searched using my full name, phone number and said my debt shows its cleared. Filing complaint for misleading tactics on a debt thats already been settled, and has no proof of claim to warrant it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I am writing to formally report a fraudulent account that was opened in my name without my knowledge or authorization. This account was opened fraudulently without my permission. I did not authorize this account, and I dispute any charges or obligations related to it. I am requesting that this account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please investigate promptly, close the account, and provide written confirmation that this matter has been resolved. I recently became aware of this account upon reviewing my records/credit report. I did not apply for, authorize, or benefit from this account in any way. This activity is the result of fraud and/or identity theft. Account Number : XXXX and 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 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was requesting information about my wife 's lost luggage from XXXX XXXX on social network X. After 13 days without a concrete response, someone posing as an airline manager contacted me through this social network to offer me money while they finished locating the luggage. 
This person made me download transfer applications to transfer the money, which they then withdrew, and made me enter my banking information to supposedly credit me the money. However, they deceived me, saying that the transfer had been made, but the money was never credited to my account. This person made me download transfer applications to transfer the money to me, which they then withdrew and made me enter my bank information to supposedly credit me the money, but they tricked me by saying that the transfer they made to me was in the queue and that in order for it to go through, I had to put in additional money, and it turns out that they were sending the money from my account to another person. There were approximately seven transfers, but only three were successful. These were for {$680.00}, {$230.00}, and {$310.00}, for a total of $ XXXX.I contacted Bank of America to report that I had been the victim of fraud and to see if they could do anything to recover my money. They canceled my debit card associated with that account but said they could not reverse the transfers. They also did not assign me a case number. They just said they had made notes of what I told them. I asked to speak to a supervisor to escalate the case, but they gave me the runaround and then hung up on me.

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 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I was under the impression they were taking out the correct payment to pay in full in the XXXX  month period and then after XXXX years of paying on time with auto pay they charged me double the amount I owed when opening the account. Essentially they took XXXX years worth of payments and my account is still at the original balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: CA

Complaint narrative:
I opened an XXXX XXXX XXXX card with Citi Bank and was ussued a credit limit of {$15000.00}. Card number ends in XXXX. In XX/XX/XXXX I attempted to make a purchase with XXXX XXXX for a train ticket for {$320.00} and another purchase for a bus. The card was declined repeatedly and I had to respond to several texts, calls, and email from Citi. They then required me to use verify by visa. Citi stated the card was good to use. During the pruchase process and declines, I just used another card from another bank and those purches when through without an issues. The next day I see where a purchase of {$320.00} from XXXX XXXX was allowed to post. I called Citi and told them about the decline issues, and they said they would allow the funds to go through. The next day XXXX XXXX sent an email from XXXX XXXX stating Citi notified them the charge was declined and would not be honored. This is where the nightmare continued. I attempted to contact XXXX XXXX numerous times via phone and email. I got no respone and the dates I tried to resove this were XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. I contacted Citi again and they provided me an XXXX # XXXX and stated the funds were released on XX/XX/XXXX. I provided XXXX XXXX with this informaion and they requested 10 days to investigate. XXXX XXXX XXXX replied after weeks of attempts from me and basically said too bad, get a refund from Citi! I provided Citi with all the emails on XXXX and sent them the email responses from XXXX XXXX  to the Citi address they provided which was XXXX with the reference # XXXX ATTENTION : XXXX  XXXX and Citi resoponed with an email stating they received the info and have reopened the investigation. I have heard nothing from Citi since after numerous calls. In fact, the only reposonce from Citi was a letter I got in the mail with the iniital dispute date in early XXXX acknowleding an issue with this merchant was filed. Everytime I call Citi, its a different answer and a dead end. Today, the Citi rep initially stated my account didnt even exist, and the card ending in XXXX incorrect. Total incometence, indiffence, and ineptness from Citi Bank. Citi claims to have a customers back " before and after every purchase '' but thats nothing more than a lie and a scam. Citi has not only allowed XXXX XXXX to steal my money, they assited and help facilitate it.

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 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IL

Complaint narrative:
My student loan account with Edfinancial was in and out of forbearance multiple times. During this period, I was not properly notified of the payment due dates as email statements did not accurately represent the EdFinancial payment platform, which caused misunderstandings about when payments were required. According to the E-statements I was receiving, I made payments during this time on XX/XX/XXXX and XX/XX/XXXX, called EdFinancial on XX/XX/XXXX to clarify with an agent and ensure I was on the right track, yet a XXXX late payment was still reported to the credit bureaus on XX/XX/XXXX. I have also made payments following that on XX/XX/XXXX ( prior to another forbearance ), and then after forbearance on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, demonstrating consistent intent to stay current and manage account. 

This late payment is inaccurately reflecting my account history and is negatively affecting my credit, which has severe financial consequences. 

I have attempted to resolve this issue directly with Edfinancial, but they informed me they could not remove the late payment and I do not qualify for them to provide support or assistance too, offering no solutions than to directly contact the credit bureau. 

I am requesting that Edfinancial review my account and correct the reporting to accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE

Complaint narrative:
I am submitting a complaint regarding a billing and payment processing error on my Capital One auto loan. 

In XXXX, Capital One processed duplicate ACH debits for the same loan payment amount ( {$490.00} ). I did not authorize two separate payments for the same obligation. Due to the duplicate charge, I disputed one debit with my bank to recover my funds. 

Instead of reversing only the duplicate payment, Capital One refunded and returned both XXXX payments. This caused my account to incorrectly reflect a missed payment even though a valid payment attempt was made in good faith. 

Capital One later informed me that I still owed an additional {$490.00} after I made subsequent payments ( {$490.00} on XX/XX/XXXX and {$240.00} on XX/XX/XXXX ). I was also told that I owed a XXXX bill, despite the fact that I was granted a loan extension on XX/XX/XXXX, which legally deferred that payment. 

As a result of Capital Ones payment misapplication : My balance increased incorrectly Late fees and interest were assessed My autopay frequency was changed without my authorization I am being asked to pay an amount that was already satisfied by a valid payment attempt I am requesting : XXXX. Reapplication of one valid XXXX payment 2. Removal of all late fees and interest caused by the payment processing error 3. Correction of my account history 4. Written confirmation that my account is current and accurately reflected 5. Assurance that no inaccurate credit reporting has occurred This issue stems from a duplicate debit error and improper handling of my dispute, not nonpayment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
In mid XXXX of XXXX  approximately about a year after purchasing my home, I was contacted by XXXX XXXX  a solar company in that services the XXXX XXXX, area. They installed several solar panels onto my roof, with promises of really low electric bills and some months of even credits from the electric provider. After several months without any savings, my electric bill actually became higher, They also damaged my roof, causing Thousands of dollars in damage, as water seeped through the areas where they worked. 
I tried contacting the company several times about the extremely high electric bills, and the poor craftsman-ship of their installers, but was given the run-around. Finally I decided that I had enough and After reading so many other customer complaints that it was a scam. I decided to Have the company come back out and remove their solar panels and take them away, however that stated that they cant do that. Then I decided That I would take out a small loan against my home to repair the roof, and found out that this company has placed a XXXX on my home without my consent, preventing me from repairing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: SC

Complaint narrative:
I had to apply a few times for a repayment plan before the application was finally processed. The first one was in XXXX. I did it online. When that didnt work, I sent in a paper application and that was not processed either. 

In addition, I applied for a processing forbearance in XX/XX/XXXX. Sixty days later I was suppose to be in an administrative forbearance with 0 % interest due to ongoing litigation with the government. Mohela keeps putting my account back into interest- bearing. This causes my loan balance to sky rocket. I have to constantly reach out to tell them to put me back into the administrative forbearance due to the ongoing government litigation. And they have NEVER removed or erased the interest that was illegally accrued. The telephone wait times are astronomical. I have waited over 3 once to speak with a person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: AZ

Complaint narrative:
I have inquired with both XXXX XXXX and Mohela about my PSLF count, which for all loans HAS EXCEEDED the 120 payment threshold. Only two have been discharged. This is in error. No one has explained when the count will be updated to reflect that ALL of my loans should be discharged. I am now expected to start paying again next month ( XXXX ) which is in error. I no longer have any balances on my loans as they should all be forgiven under PSLF. I have had multiple correspondences and inquiries, with no solution.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/year> a company called XXXX XXXX charged my Chime virtual debit card {$46.00} when I did not make any charges on my card on this day due to my account being negative. So when I saw this charge I called Chime to dispute this change and I informed them that I did not use my card on this date amd I want to dispute the charge. So I waited to get the funds that wete taken from my account and on XX/XX/year> Chime informed me that my dispute was denied and tgat thus XXXX company gave them proof tgat I did nake this charge. But as I tried to XXXX this company XXXX had no information about such a company or human on their file. So I have been trying to get Chime to reopen my dispute and that's why I am trying to get cfpb to look into Chime and XXXX XXXX to get this {$46.00} that was taken from me.

Company response to consumer: Closed with explanation