vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
I filed a dispute with Current Bank because I placed an order with a merchant online and several items arrived either damaged or incorrect. The merchants return policy states that I should receive a refund to my original payment method because I received incorrect and damaged merchandise. I returned the entire order, and the return tracking shows they received it. I provided my bank with my order confirmation email, photos of the damaged and incorrect items, the return tracking number, and a copy of the merchants policy. Instead of refunding me, the merchant issued two gift cards. I received them, but I never used them. My dispute under ID XXXX was denied because the merchant told the bank that I redeemed {$45.00} from one of the cards on another order. That information was false. I contacted the merchant directly, and they confirmed that the redemption they reported was not from my account. Their system mistakenly attached another customers order to my name. This means the evidence the merchant provided to my bank was incorrect. I will be providing new additional information from my recent conversation with the merchant, where they admitted that I did not use either of the two gift cards they issued to me. I do not want to use the gift cards ; I am entitled to a refund to my original payment method. I also do not accept Currents denial because their decision is based on incorrect and misleading information provided by the merchant, which XXXX XXXX has since directly contradicted in multiple communications with me. The evidence Current relied on, specifically the claim that I received two eGift cards totaling the order amount and redeemed {$45.00} of it, is false. XXXX XXXX has confirmed to me on more than one occasion, including in an email sent today and attached in this response, that the {$45.00} gift card redemption was not completed by me and was instead tied to another customers order due to a system error on their end. They also verified that the {$150.00} gift card shows as invalid and unusable, meaning I never received any refund, benefit, or value for my return. For this reason, I am submitting both my written statement and the confirmation email from XXXX XXXX to demonstrate that Currents findings are inaccurate and that their denial should be reconsidered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: NM

Complaint narrative:
I made offer to American Express for full restoration of all services and XXXX American Express car restoration with same limits etc as I made conditional acceptance Via tender of payment instrument that was conspicuously marked for full satisfaction and accord without recourse tor valuable consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX Credit Card Citi XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, Citibank closed my business credit card account without advance notice. The closure was effective immediately and communicated by letter dated the same day. The notice did not identify any specific reason, findings, or policy basis for the decision. 

At the time of closure : The account had been opened in XXXX. 

The account was in good standing with no late payments, no returned payments, no delinquencies, and no charge-offs. 

All activity was consistent with business use under the cardmember agreement. 

There were no fraud alerts, no excessive disputes or chargebacks, and no known compliance or AML concerns.

No prior communication was made by Citibank requesting documentation, clarification, remediation, or corrective action. The account was closed without warning or an opportunity to address any alleged issue. 

Following receipt of the closure notice, I took the following actions : On XX/XX/XXXX, I submitted a formal dispute and request for reconsideration, requesting : A written explanation of the reason for closure. 

Clarification as to whether the decision was administrative, compliance-driven, or risk-based. 
A senior-level manual review with authority to reinstate the account.

I also submitted an executive escalation request, asserting that the closure appeared to have been made without a fact-specific manual review.

As of the date of this complaint, Citibank has not provided a substantive explanation, has not identified any contractual breach or risk event, and has not confirmed whether a manual review has taken place. The account remains closed despite a clean payment history and compliant usage. 

I am submitting this complaint due to the lack of transparency, absence of explanation, and denial of an opportunity to respond or cure, particularly where no delinquency, fraud, or misuse has been identified.

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 explanation
Consumer complaint received 2025-12-30 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My bank card was linked to my XXXX XXXX. Over {$1800.00} was charged unauthorized by my XXXX XXXX XXXX child on a gaming app. When I noticed, I contacted the merchant and it took over a week to hear back from them and they told me I had to dispute with my bank as unauthorized charges. I received a new card but the charges kept happening. It was then that I learned that XXXX XXXX was the issue and I unlinked that as a payment method and changed password of XXXX. I then reached out to wells fargo for help to file a claim for unauthorized charges. Wells fargo denied the claim initially saying it denied because a third party processor was used and I had to dispute with XXXX XXXX. This is not correct as XXXX XXXX told me they do not handle disputes for linked cards. I reached back out to wells fargo and requested an appeal to have the claim reviewed again as i had proof of communication with merchant and that i did not do these and did not authorize someone else to use my card and wells fargo refused to open the claim again. I was transferred to a claims manager who kept saying their decision was final but she would file a complaint for me. A few days later Wells Fargo called me to tell me they were closing my account. They retaliated by closing my account because i submitted a complaint. They would not help me. I called the claim department again and this time i was given another reason for claim denial it was not filed as fraud, it was filed as service not received, i told them well a representative filed this claim for me over the phone so shouldnt they have put it in as fraud? That is their mistake not mine and this claims agent kept pushing the claim is denied regardless thats final. Bottom line, wells fargo gave me the runaround, different invalid reasons, no help, no resolution, and refuses to help me against charges I did not authorize.

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 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
There is a scammer impersonating the debt collection agency " Harris & Harris '' and the phone number is XXXX. They sent me repeated text messages alerting me to pay a debt related to the Pennsylvania XXXX. I checked my XXXX  XXXX account online and I have no debt to pay. The link they sent in the text message prompts the user to provide the last four digits of their social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a new chase business checking account on XX/XX/year> at XXXX XXXX XXXX XXXX ny. While at that branch I deposited a check for {$20000.00}. Prior to that I received a mailer from that financial institution stating that if I opened a new business checking account and deposited at least {$20000.00}, that I would receive a {$750.00} bonus. I utilized the offer code XXXX. I have provided attached pictures of both my name on the flyer as well as the offer code. The terms and conditions also stated I needed to make 5 qualifying transactions with my debit card, which I did. On XX/XX/XXXX I spoke to XXXX, a representative of Chase bank. He agreed that I should have received the {$750.00} some time ago and that he would look into it. I have received no correspondence since that date. I fulfilled all obligations on my end and now believe Chase bank is trying to defraud me. I also included an attachment from Chase banks letterhead showing the offer I signed up for. I received this letter from Chase in a blue folder the day I opened the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing a complaint regarding Navy Federal Credit Unions handling of a debit card dispute involving a failure to refund a refundable security deposit.

I filed a dispute on XX/XX/year> f

or a {$150.00} refundable security deposit charged by a merchant after services were completed. The merchants written contract states that the security deposit is refundable and must be returned within 2448 hours after the event, provided items are returned in good condition. The event occurred on XX/XX/year>. More than three months passed with no refund and no explanation from the merchant.

Navy Federal incorrectly processed the dispute as an incorrect amount charged dispute, even though I was not disputing the amount of the original charge. The dispute was specifically for failure to issue a required refund.

The merchant responded only that the correct amount was charged, which does not address a failure-to-refund claim. Despite this, Navy Federal reversed the provisional credit on XX/XX/year>, without properly investigating the merchants obligation to refund the deposit under the contract.

I am requesting that Navy Federal reopen and properly investigate this dispute under the correct dispute category, consider the contractual refund requirement, and issue a credit for the refundable deposit.

I believe Navy Federal failed to conduct a reasonable investigation and improperly denied the dispute due to misclassification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
XXXX XXXX and I ( XXXX XXXX ) are joint borrowers on a mortgage serviced by Freedom Mortgage Corporation. We are submitting this complaint regarding inaccurate credit reporting related to our XX/XX/year> mortgage payment, which has been reported as a XXXX-day delinquency. 

We initiated the XX/XX/year> payment on time through our banks online bill-pay system ( XXXX  ). XXXX provided written confirmation that the payment was properly scheduled and initiated and that the payment was later returned by the bank after the scheduled delivery date. 

Critically, we were never notified by XXXX  via phone, email, or account alert that the payment had been returned. As a result, we were deprived of any opportunity to correct the issue before a XXXX delinquency was reported to the credit bureaus. 

Despite providing documentation showing an on-time payment attempt and a lack of notification, Freedom Mortgage verified the late payment during a credit bureau dispute rather than correcting or suppressing the late mark as a goodwill or accuracy adjustment. 

We believe this reporting is incomplete and misleading, as it fails to reflect : - A documented on-time payment attempt, - A bank-returned transaction after initiation, - The absence of any notification that would have allowed timely remediation. 
We are requesting that Freedom Mortgage : - Review this matter through its executive or compliance resolution team, - Correct or suppress the XX/XX/year> late payment to reflect paid as agreed or remove the late designation, and - Update all applicable credit bureaus accordingly. 

This late payment has caused measurable credit harm despite our good-faith effort to meet our mortgage obligation on time. We are seeking a fair and accurate resolution consistent with FCRA accuracy standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: TX

Complaint narrative:
My cash app account has been closed since the month of XXXX until the present with a balance {$1300.00} I do not have access to use this money I tried to call customer support more times but nothing is resolved to by now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
PayPal permanently limited my account after receiving a legitimate {$270.00} payment for a private sale of personal property ( a game system ) to someone I personally know. 

There is no buyer dispute, no chargeback, no fraud claim, and no financial loss to PayPal. Despite this, PayPal has refused to allow withdrawal of my funds or even permit a refund to the buyer. 

PayPal states only that my account poses potential risk and refuses to identify any specific Acceptable Use Policy violation. They have provided no evidence of wrongdoing and no documented justification for withholding my money. 

I am requesting immediate release of my {$270.00} or written documentation citing the exact policy violation and legal basis for continued withholding of consumer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> I requested a plumbing service from a local company. During the service, the plumber decided to stand on my dryer injured himself and damaged the dryer. I contacted the plumber with photos including blood on the walls immediately after and requested a resolution. They admitted in writing they were at fault, apologized and offered no restitution. I called Chase and filed a dispute for the cost of repair and replacement at {$1000.00}. Chase informed me they were investigating. I received several calls between XXXX XXXX XXXX with a voice mail from Chase Disputes asking me to call back. I returned the call on XX/XX/year> and asked what the issue was. They said the case was still under investigation and they would request documentation when needed. I confirmed that nothing was needed at the time and they said no, they just wanted to give me an update. On XX/XX/XXXX, I received a call from Chase with no voice mail or email and missed the call as I was traveling. Later, I noticed the disputed amount {$1000.00} was rebilled, so I called Chase to ask why. They said they closed the case on XX/XX/year> because I didnt send documentation. I was never told to send documentation and the case was closed with no notice or voice mail. When I complained and requested the case be reopened, they refused and claimed I had exceeded the timeline. Follow up calls with managers offered no relief. I was told to upload the photos and documentation which I did, but they said they could not change anything as the merchant, who accepted responsibility in writing, did not want to reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO 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 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: WV

Complaint narrative:
I am requesting CFPB assistance regarding Navy Federal Credit Unions refusal to investigate a disputed transaction funded from my Navy Federal account. 

I paid a total of {$170.00} ( {$50.00} on XXXX XXXX and {$120.00} on XX/XX/year> ) through XXXX XXXX, which was funded directly from my Navy Federal account, to a photographer for professional photography services. I paid a deposit and then the remaining balance prior to the scheduled photoshoot.

Although the photoshoot occurred, the photographer refused to provide any photos, refused to allow me to view the images, refused to issue a refund, and ultimately blocked me from further communication. I received no photos and no usable service, meaning the agreed-upon service was not rendered. 

I contacted XXXX XXXX to dispute the transaction, but they denied my dispute. I then contacted Navy Federal to request a dispute or investigation for services not rendered / merchant refusal, but Navy Federal refused to open a dispute solely because the payment was categorized as a person-to-person XXXX XXXX transaction. 

Navy Federal did not review the evidence I offered, including screenshots showing refusal to deliver services, refusal to refund, and blocking. The funds originated from my Navy Federal account, and I am requesting that Navy Federal fulfill its obligation to investigate disputed electronic fund transfers where no goods or services were received.

I believe Navy Federals refusal to investigate based solely on the payment method, without reviewing the underlying fraud and non-delivery, is unfair and inconsistent with consumer protection principles.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation