vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I applied for an American Express Gold Card through a targeted email offer that promised XXXX Membership Rewards points after spending {$6000.00} within the first 6 months. The offer included identifiers XXXX XXXXXXXX and offer code XXXX, with an expiration date of XX/XX/XXXX. The terms clearly stated a fixed XXXX bonus upon meeting the spending requirement. My account was opened on XX/XX/XXXX. I met the {$6000.00} spending requirement on XX/XX/XXXX, within the required 6-month period. On that same date, I was awarded only XXXX Membership Rewards points, which does not match the terms of the targeted offer I applied under. On XX/XX/XXXX, I contacted American Express to report this issue, and case ID XXXX was opened. I provided details of the targeted offer, including the XXXX and offer code. On XX/XX/XXXX, American Express marked the case as completed and stated that the XXXX bonus was the correct offer on my account. No explanation was provided regarding the mismatch with the targeted offer I applied under. On XX/XX/XXXX, I followed up again with customer service. Representatives provided inconsistent and conflicting explanations, including : the offer on my account was only XXXX points, the offer may have changed during application, the original offer may have been as high as a certain amount, my claim could not be validated due to a 120-day timeframe from account opening. These explanations conflict with the documented offer terms. The email offer I received does not include as high as language and clearly specifies a fixed XXXX bonus. Additionally, the 120-day limitation cited by representatives is inconsistent with the 6-month spending requirement, as it would expire before a customer could reasonably complete the qualifying spend and identify any discrepancy. I provided the offer details and identifiers to American Express, but they declined to adjust the bonus and stated that the investigation had been completed. I am requesting that American Express review the original targeted offer associated with XXXX XXXXXXXX and correct the discrepancy by awarding the remaining XXXX Membership Rewards points that were promised upon meeting the spending requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED COMMUNITY BANK
State: TN

Complaint narrative:
b"On the date of XXXX XXXX XXXX XXXX, a request for payment, for services rendered, was submitted to United Community Bank (XXXX XXXX XXXX XXXX XXXX) by the Contracting firm of XXXX XXXX XXXX XXXX for an amount of XXXX Initially, payment had been attempted to be secured, on site, by the technician. However, due to a software malfunction, connected to the account's internal functions; such was not able to be completed at that time. Sources at XXXX later conveyed to me that their other efforts, to secure payment, had also been unsuccessful. Outside of my knowledge, the transaction was eventually forwarded to a collection agency (XXXX XXXX XXXX XXXX XXXX XXXX).\n\nBank records have already confirmed that, upon the date of the initial request, the account had the appropriate amount of funds present in order to cover the transaction (XXXX XXXX). I had actually maintained a sufficient amount in the account, to cover the transaction itself, for a month's time. As there was no deficit, account wise; the transaction should have been paid and properly attended to. The bank's failure to render payment, upon request, precipitated the transaction being forwarded to a collections agency. Due to the tranaction being submitted to collections, my Credit Profile has been adversely and unnecessarily impacted in a significant sense. \n\nThe funds were available to be paid at the time that the requests for payment were submitted."

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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
As of XXXX XXXX XXXX it has been over 40 days since my chargeback was submitted on XXXX XXXX XXXX Chime continues to state they are waiting on the merchant, but has not confirmed whether the merchant has responded or provided a clear resolution timeline. Given that this exceeds the typical merchant response period, I am requesting immediate clarification and resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I am filing a complaint regarding a private student loan serviced by XXXX. The loan is related to a school that closed in XXXX. Despite this, the loan remains active and payments have been continuously withdrawn from a co-signers bank account. The co-signer ( my parent ) has been subjected to repeated threats regarding Social Security benefits if payments are not made. This is extremely concerning because this is a private student loan, and such statements appear to misrepresent the legal authority of the lender. Additionally, I previously submitted a School Misconduct Discharge application, which was denied. However, I believe the denial did not fully take into account the circumstances surrounding the schools closure and potential misconduct. I am requesting : 1. A full investigation into the collection practices being used, particularly any statements regarding Social Security garnishment. 2. A complete copy of the original promissory note and all supporting documentation related to this loan. 3. A detailed payment history and authorization records for all withdrawals made from the co-signers bank account. 4. A review of the loan in light of the schools closure and potential misrepresentation at the time of enrollment. I am also requesting that all future communication be provided in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting this complaint regarding my rights under the Fair Debt Collection Practices Act ( FDCPA ). I requested verification of certain accounts that have been reported and/or collected ; however, I have never received proper validation from the creditors or collection agencies involved. Despite my request, no documentation has been provided to confirm that the debts are accurate, valid, or legally enforceable. This lack of response is concerning, as I am entitled to verification of any alleged debt. Without such verification, I dispute the validity of these accounts and request that they be investigated immediately. I am asking that the creditors and/or collection agencies provide full and proper validation of the accounts, including but not limited to : The original creditors name and address The amount of the alleged debt, including any fees or interest Documentation bearing my signature or proof that I am legally obligated to pay A full account history showing how the balance was calculated If they are unable to provide this information, I request that the accounts be removed from my record and that all collection activity cease. Thank you for your attention to this matter.

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 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I obtained a loan through OneMain Financial secured by my vehicle. In XX/XX/XXXX, the vehicle became inoperable, and I notified OneMain Financial that it was no longer functional. At that time, I was instructed by the company that if I returned the vehicle plates to the DMV, they would : Remove the insurance charges associated with the vehicle Remove the lien and restructure the loan I followed these instructions and returned the plates in Fall XXXX. However, despite my compliance : The insurance charges were not removed The XXXX was not removed The loan was not restructured I continued to be charged for insurance on a non-operational vehicle even after the plates were returned. In XX/XX/XXXX, the vehicle was towed. After the tow, I contacted OneMain Financial to request guidance on how to proceed. I did not receive any meaningful response or assistance. Instead, the company proceeded with repossession of the vehicle without providing clear communication or resolution options. Key Concerns : The company failed to honor the terms they provided regarding removal of insurance, lien release, and loan restructuring after I complied with their instructions I was charged for insurance on a vehicle that was not operational and no longer registered There was a lack of communication and support when I attempted to resolve the situation after the vehicle was towed The repossession occurred despite my prior efforts to work with the company and follow their guidance Timeline : Vehicle became inoperable and I notified OneMain : XX/XX/XXXX Plates returned to DMV per company instruction : Fall XXXX Insurance charges continued despite compliance : After Fall XXXX through XXXX Vehicle towed : XX/XX/XXXX Contacted OneMain for guidance : XX/XX/XXXX Vehicle repossessed : Shortly after XX/XX/XXXX Financial Impact : Continued insurance charges after plate return : fall XXXX Ongoing loan obligation without agreed restructuring Resolution Requested : I am requesting : A full investigation into the companys failure to follow through on the terms provided to me Removal and refund of insurance charges applied after I returned the plates Review of the repossession process and whether it was conducted appropriately Adjustment or restructuring of the remaining loan balance to reflect these issues

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XXXX XXXX XXXX I paid {$89.00} to a merchant through XXXX for goods purchased from an online website. After the payment, I never received the items. I later discovered that the merchant website no longer exists and was fraudulent. I contacted XXXX and filed a dispute for goods not received and explained that the merchant was a scam and the website had disappeared. XXXX denied my dispute without properly investigating the fact that this was a fraudulent merchant and not a legitimate transaction. I disputed this twice and provided all information I had, but XXXX continued to deny the claim, stating that the payment was authorized. While I did authorize the payment, it was made to a fraudulent merchant under false pretenses, which is a scam and should be treated as fraud. I requested that XXXX conduct a proper fraud investigation into the merchant and review this as a scam transaction, but they did not provide proof that they investigated the merchant or the website. I am requesting that XXXX reimburse me for this fraudulent transaction and properly review this case as payment to a scam merchant whose website no longer exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am filing this complaint against Midland Credit Management regarding an alleged credit card debt. On XX/XX/year>, I sent a formal written dispute and request for validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). In that letter, I requested specific documentation, including a signed agreement or contract bearing my signature, a complete account history, and a full chain of title demonstrating the companys legal authority to collect the alleged debt. According to USPS tracking, my dispute letter was delivered and received by the company on XX/XX/year>. Since that time, Midland Credit Management has failed to provide any response or any of the requested validation documentation. The company has not provided a signed agreement, a complete account history, a chain of title, or any documentation establishing that I am legally obligated for the alleged debt. Despite receiving my dispute, the company has failed to respond or provide proper validation. I believe this conduct is misleading and unfair, as the company is attempting to collect a debt without providing validation after receiving a timely dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing a complaint regarding repeated overdraft fees assessed by my bank, Truist Financial Corporation, including multiple fees applied during the same occurrence and concerns about account settings. On XX/XX/XXXX, I was charged multiple overdraft fees at the same time. This issue occurred again on XX/XX/XXXX, when I was charged {$72.00} in overdraft fees from multiple transactions processed together. This is now the third time I have been charged more than one overdraft fee in a single occurrence. In total, I have been charged seven overdraft fees over the past year, totaling {$250.00}, including additional fees in XXXX, XXXX, and XX/XX/XXXX. Several of these fees were assessed on the same day, which I believe is excessive and unfair, particularly when the account was already overdrawn. Additionally, I previously enabled overdraft protection and text alerts to help prevent this situation. However, when I reviewed my account on XX/XX/XXXX, I discovered that these settings were turned off, despite not making that change myself. I relied on these safeguards, and their absence may have contributed to the overdraft fees being incurred. I contacted the bank multiple times, including requesting escalation to a supervisor, but was told that no refund could be issued and that the decision could not be changed. I do not believe my concerns were adequately reviewed, particularly regarding the repeated pattern of multiple fees and the change in account settings. I am requesting a review of these overdraft fees, especially those charged in multiple instances at the same time, and an investigation into how my overdraft protection and alert settings were changed without my knowledge.

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 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a new complaint regarding an unresolved refund dispute related to my prior case. In the prior response, it was stated that the dealership directly provided me with a {$4000.00} refund check. However, I have not received any direct payment in my name for this amount. The only documentation provided has been tracking information and a copy of a check, but no valid direct payment has been delivered to me. JPMorgan Chase previously confirmed that prior {$4000.00} checks sent to the lender were not properly processed. The remaining refund is still unresolved. I am requesting : - Verification of any alleged direct payment - Check number- Copy of the check - Proof of mailing or delivery If payment was not properly issued, I request immediate correction and reissuance of the remaining refund balance. This issue remains unresolved despite months of attempts to resolve it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: FL

Complaint narrative:
On XX/XX/XXXX, Property Receivables Corp contacted me regarding an alleged debt of {$7600.00} on behalf of XXXX XXXX. The documentation provided consisted only of a balance summary and did not include any itemized breakdown of charges. On XX/XX/XXXX, I sent a written dispute via certified mail requesting full validation of the debt, including an itemized accounting of all charges, proof of assignment, and confirmation that the balance reflects any required adjustments under the XXXX XXXX ( XXXX ) class action settlement. The company responded but failed to provide the requested information. They did not provide a detailed breakdown of the charges, explanation of how the amount was calculated, or confirmation that the balance was reviewed in light of the court-approved settlement affecting XXXX leases. This alleged debt originates from a lease with XXXX ( XXXX XXXX ), which is subject to a finalized class action settlement addressing misleading lease provisions and improper charges. Despite this, the collector continues to represent the balance as valid without demonstrating that it excludes charges affected by the settlement. As of today, the debt remains unverified, and the company continues to attempt collection without providing sufficient documentation to support the amount claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am filing a complaint regarding multiple XXXX transfers I made through Chase Bank. I authorized the payments based on misrepresentation of services by an individual who presented themselves as a legitimate agent offering professional basketball-related placement services. I was led to believe I would receive legitimate services in exchange for the payments. After sending the funds, the individual did not deliver the promised services and failed to provide any legitimate results. Communication with the individual became unreliable and ultimately stopped. I also received inconsistent statements from the recipient regarding the transactions. I reported this issue to Chase Bank and requested assistance in recovering the funds. My claim was denied on the basis that the transfers were authorized XXXX payments and classified as a scam. I was informed that the bank could not assist further. I understand that XXXX transfers are typically treated as authorized payments ; however, this situation involved deception and misrepresentation prior to the authorization of the transactions. I am requesting a formal review of my case and reconsideration of the decision, as the payments were induced under false pretenses. I am requesting that Chase Bank : Re-evaluate my fraud claim under misrepresentation circumstances Attempt recovery efforts through the receiving bank if possible Provide a detailed explanation of why no further investigation can be conducted I am willing to provide supporting evidence, including messages and transaction records, that demonstrate the misrepresentation and communication with the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
Subject : Complaint Against Western Union - Failure to Resolve Incorrect Transfer I am filing a complaint regarding Western Union 's failure to provide a resolution for an incorrect money transfer. On XX/XX/year>, I initiated a money transfer through Western Union for {$2900.00}. I mistakenly entered the wrong recipient bank account number. I contacted Western Union immediately on XX/XX/year> via phone and requested a cancellation and refund. It has been 4 days since my report, and Western Union has not provided any clear update on whether the transfer can be stopped or the funds returned. I have called multiple times, but customer service only states that the case is " under review '' without a timeline. This delay is causing me financial hardship. I reported the error promptly before the funds were likely withdrawn. I am requesting CFPB assistance to compel Western Union to : 1. Provide a definitive update on the status of my funds within 3 business days, and 2. Issue a full refund of {$2900.00} if the transfer can not be redirected to the correct account. Transaction details : - XXXX : XXXX - Date of Transfer : XX/XX/year> - Amount : {$2900.00} I believe a fair resolution is : a full refund of $ + transfer fee if the funds are recoverable, or if not recoverable, written documentation of all recovery attempts and a clear explanation of why the funds can not be returned. I have attached screenshots of my transfer receipt and my communication with Western Union customer service. Thank you for your assistance.

Company response to consumer: Closed with explanation