vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/XXXX around XXXX I went to the XXXX XXXXXXXX XXXX atm located on XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$600.00} cash all in {$50.00} bills the atm took my money then the atm went out and never gave me a receipt that I will attach I called the number on the receipt but seeing it was XXXX they were closed so I called the fraud hotline and reported the incident. Today XX/XX/XXXX they tell me the claim is closed and I never made a deposit, and no further actions will be taken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had a long-term car rental through XXXX via XXXX and used the car for personal use and as a driver on the XXXX platform. I paid $ XXXX due on Wednesdays and had the rental for several months. I paid the bill through my PayPal account. On XXXX {$300.00} was pulled from my account and placed in a pending status earmarked for XXXX. During that week I received communication from XXXX that I hadnt paid. I showed them the pending amount and said Id speak to PayPal. PayPal advised they finalize the charge and I relayed that message. On XXXX {$300.00} was pulled from my account and placed in a pending status earmarked for XXXX. They called again saying I was XXXX weeks in arrears and had to pay of face repossession. I explained the money had been taken from my account twice and it was theirs if theyd just finalize the charges. Instead, on XXXX they repossessed the car in front of my XXXX and left me stranded XXXX miles from home. Thereafter they proceeded to charge late fees and tow fees and storage fees and whatever else they could think of and charged me {$1600.00} on XXXX. In addition to that they finalized XXXX of the pending charges for {$300.00} but added fees and charged a total of {$350.00}. I had unhinged any other account I had tied to PayPal at this point so when PayPal went to debit my account for {$1600.00}, there wasnt enough in the account to cover it. But they put it through anyway and left me with a negative balance of {$1000.00} which remains. To add insult to injury, after allowing the other {$300.00} pending charge to sit there for XXXX days, upon the expiration of XXXX days the charge disappeared. But there was no corresponding credit to my account. They essentially stole the money from me. XXXX never should have repossessed the vehicle but PayPal absolutely shouldnt have authorized those charges. Ive gone through PayPals entire dispute process as well as XXXX. XXXX couldnt be bothered. PayPal sided with XXXX. As I see it, PayPal owes me {$2200.00} and an apology.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a check for the closure of my XXXX bank account which partners with chase. I received the check for the amount of {$15000.00} and on the XXXX of XXXX I deposited it into my XXXX XXXX account the account was placed under a freeze for the funds not clearing and so as of XX/XX/XXXX I was notified by XXXX that the back office contacted chase bank back office stating Chase received the return of the funds from XXXX since the check bounced for whatever reason. When I call chase customer support and went into a branch near me the said the case number I got wasnt valid. Im trying to locate the fund of the returned check so I can be reissued a new check for that amount. The case number I was provided is here XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: GA

Complaint narrative:
World Finance XXXX at XXXX Location has continually harrassed me and made public show of deceit by trying to collect and repose a vehicle not secured by any loan. The loan was a personal loan and was a perfect paying customer until COVID and loss of income. The collection practice was reported to Corporate office who discharged and cancelled the loan. The manager at loan office refused and said Not going to cancel just because I was mean to them in calling 5times a day and extra rude when in contact. The loan was transferred to a collection agency associated with manager who still lies about automobile being secured by loan when She stated it was not however she did want to know and see proof of payoff on vehicle. Manager has fraudulently continued to make false accusations and tried to force charge credit and debit cards under new collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I went on the website to obtain my account number. This after learning there is a class action lawsuit against company. I was not notified of class action lawsuit or deadline to submit claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I deposit a check on my husband account in bank of a. America bank but is under my name, the bank put a hold in the XXXX of XXXX they supposed to release but they decide to close the account and they didnt give me back my check to me or to my husband I call my other bank for my XXXX ( standard bank XXXX to see what I can do but they say Bank of America need to call them but Bank of America say XXXX XXXX bank need call and now I have a lite of interest and charges because I cant pays my lians for that hold what I can do?

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Transaction Date : XX/XX/2025. Disputed Amount : {$760.00} ( Claim ID : XXXX ). The Issue : I am disputing a charge from XXXX XXXX for a bundled XXXX XXXX package. At the time of booking, the package was represented as refundable with no disclosure of partial refunds or flight penalties. Failure to Disclose : XXXX failed to provide a final itinerary or fare rules at the time of purchase. I do not have a XXXX account, and no such documentation was sent to me prior to my cancellation request. Cancellation Instruction : On XX/XX/2025, well in advance of travel, I instructed XXXX to cancel the entire reservation. Merchant Obstruction : XXXX refused to cancel the flight portion unless I agreed to a new, undisclosed {$400.00} penalty. Because I did not agree to these termswhich were only presented after I initiated the cancellationXXXX failed to execute my request. Bank Error : Bank of America denied my claim, stating the service " wasnt canceled '' per merchant policy. This ignores the fact that the non-cancellation was caused by the merchant 's refusal to act without my acceptance of undisclosed terms. Furthermore, the bank initially decided the dispute without providing me a method to upload my supporting documentation. Requested Resolution : I request a full reversal of the remaining {$760.00}, as the merchant failed to disclose material terms and failed to follow my timely cancellation instructions.

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
Current bank has been holding my direct deposit XXXX. They have blatantly lied and said it there was an ach outage but then doubled back and said they haven't received it .. all which my employer proved to be false.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: OH

Complaint narrative:
On Wednesday, XX/XX/year>, I contacted Zip Co Limited to report an issue regarding XXXX refunds related to returned merchandise from XXXX XXXX. After returning the items, I was not refunded to the original payment method. Instead, the merchant issued XXXX separate gift cards totaling {$130.00} and {$53.00}. I was never informed that the refunds would be issued as store gift cards, nor was I told that they would be split across XXXX different cards. When I contacted Zip on XX/XX/year>, I provided documentation supporting my claim, including copies of the return labels showing that the items had been returned. Despite submitting this evidence and attempting to work with Zip over approximately a six-day period, my concerns were not properly addressed. Throughout this time, I repeatedly followed up with Zip in an attempt to resolve the issue. However, after several exchanges, no meaningful investigation or resolution occurred. My communications were effectively ignored, and no action was taken to correct the situation or assist in obtaining the appropriate refund. As a result, the merchandise was returned, yet I have not received the proper refund through the financing account. I am requesting that this matter be investigated and that the appropriate refund be issued for the returned merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
Chime let someone took XXXX out of my account told them my phone was stolen and someone pay there self through chime I filed a report open a dispute twice and they said nun they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Ok XX/XX/year> I called to customer services to request a Payoff of my personal load with that institution. The representative told me that the payoff ammount was XXXX on XX/XX/year> for which i provided my bank account to pay, I requested the payoff letter but the representative told me that it might take a day or two for the account to be cleared. When a check the next day the account was chowing a balance of XXXX because the representative did not closed tha account and the account is accruing interest. I called and spoke with a supervisor tha told that she needed to create a case to that department could adjust the account and close it but the did not. Now the account shows that my next payment is XXXX dollars all after the count was paid off. And they want to force to pay 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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Subject : Failure to remove liability from Safety Check Line of Credit after receiving notarized authorization ; inaccurate credit reporting. Complaint Description : I am filing this complaint against Citibank N.A. regarding a joint Safety Check line of credit ending in XXXX originally opened in 2007. Approximately XXXX years ago, my ex-husband ( the co-account holder ) and I submitted official, notarized paperwork to Citibank to successfully remove my name and liability from our joint checking account and its associated overdraft line of credit. While Citibank successfully processed this document for the checking account, they failed to process the removal for the attached line of credit due to an internal system error. As a result, Citibank is inaccurately reporting to the credit bureaus that I am still a joint owner of this active credit line. It currently carries a balance of {$3000.00} ( over the original {$3000.00} limit ) and is severely damaging my credit score. I recently filed a dispute with XXXX XXXX verified the account with Citibank, and the status was returned as " Updated '' rather than deleted, confirming Citibank 's reporting system still views me as fully liable. However, when I call Citibank customer service to freeze this account and stop further financial damage, they refuse to speak with me, stating that my name is no longer on the account profile. Citibank can not legally lock me out of the account by claiming I am not an owner, while simultaneously reporting to the credit bureaus that I am 100 % responsible for the debt. I have attached a copy of the original notarized document from approximately XXXX years ago proving my authorized removal from this account.

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 non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I recently discovered that while I was out of the country, an individual used my personal information to fraudulently open a credit card account with your bank without my knowledge or authorization. This situation is completely unacceptable. I did not apply for, authorize, or benefit from this loan in any way. I have filed a police report and submitted an identity theft complaint with the appropriate local authorities regarding this matter. I am formally demanding that this fraudulent account be immediately removed from my credit report within XXXX hours of receipt of this notice. Please provide written confirmation once this has been completed.Failure to resolve this matter promptly will leave me with no choice but to pursue all available legal remedies against your institution. I expect your urgent attention to this serious 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 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am filing this complaint because there are late payment remarks on my credit report that are completely inaccurate. These entries do not reflect my true payment history, and I will not accept false reporting that damages my credit profile.

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 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXXSELFLENDR is still reporting a {$210.00} large on my account when the account was prepaid and once it was closed I was sent a check for the remaining balance. I've tried to dispute and report as a problem multiple times. But it still keeps coming on my credit as bad debt or recent debt. The last time it was reported was in XXXX, and I have not that account since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, I sent a certified letter to Wells Fargo requesting a review and goodwill removal of a late payment reported on my account. The letter explained the circumstances surrounding the payment and requested that Wells Fargo consider removing the late payment from my credit reporting. As of XX/XX/year>, I have not received any response acknowledging the letter or addressing the request. I sent the request by certified mail to ensure the matter was formally documented and received. Despite this, Wells Fargo has not responded or provided any update on the status of the request. I am requesting that Wells Fargo review the request and provide a formal response regarding whether the late payment will be considered for goodwill removal and whether any adjustment to the credit reporting will be made.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I was a victim of identity theft and fraud, I want all negative items removed and all negative remarks from all XXXX credit report bureaus. I have no contract with LVNV.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: SC

Complaint narrative:
My mortgage went up XXXX extra dollars right after the taxes. I was charged the wrong amount through the county. It took awhile. But, the county corrected the mistake. I had to send the adjusted bill XXXX times to the mortgage company and had to call numerous times. My mortgage still wasnt adjusted until I said that I could r afford the mortgage. I had to then file with the mortgage to get mortgage help. First, I wasn't approved. The second time I was. I was paying XXXX dollars extra for XXXX months. I never got a refund. Once the mortgage was adjusted ; it went back down the the price it was before the tax mistake. But, by that point it was to late. I used all my savings. It also ruined my credit after they said it wouldn't. I worked so hard to have really good credit and now it's considered fair. All of this is incredibly frustrating and not fair.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Zip Co US Inc.
State: OH

Complaint narrative:
I purchased merchandise from XXXX XXXX using financing through Zip. After receiving the items, I returned the merchandise using the return labels provided by the merchant. The returned items were received by XXXX XXXX. Instead of issuing refunds back to the original payment method, XXXX XXXX issued XXXX separate gift cards totaling {$130.00} and {$53.00}. I was not informed that my refunds would be issued as store gift cards or that they would be split between two separate cards. After receiving the gift cards, the balances on those gift cards were later deactivated, leaving me without access to the funds that were supposed to represent my refund. As a result, XXXX XXXX retained both the returned merchandise and the value of the refund. I attempted to resolve this issue by contacting both XXXX XXXX and Zip and provided documentation including return labels confirming the items were returned. Despite providing this documentation, the issue has not been corrected

Company response to consumer: Closed with explanation