vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Im reaching out regarding an ongoing issue with transferring my Chase points for my honeymoon trip, which has now been unresolved for well over a week. On XXXX XXXX, I initiated a transfer of XXXX Chase points using the correct name and account number. A few days later, the transfer was rejected. I contacted customer service and was informed that there were no discrepancies visible on your end. The representative advised that an internal escalation would be submitted and that the transfer would be resubmitted. The transfer was resubmitted by Chase CX on XX/XX/XXXX and did not go through. I called back a few days later, I was told the internal escalation was still in progress and that I should wait for the outcome. On XX/XX/XXXX this transfer was also rejected with no new information. On XX/XX/XXXX, I received a letter stating that my points transfer was complete and the internal escalation had been resolved. However, the issue itself was not actually resolved only XXXX points were transferred instead of the full XXXX points. As a result, I had to submit yet another transfer request on XX/XX/XXXX. It is now XX/XX/XXXX, and the transfer still has not gone through. This process has been extremely frustrating, especially considering that I have confirmed the information multiple times and have been told there are no issues on my end. Additionally, I have already reached out to the Executive Office regarding this issue and was assigned a case representative. Unfortunately, I have not received any meaningful follow-up. I have attempted to contact the representative three separate times via both phone and email for updates, and my outreach has gone unanswered. I have been a Chase customer for over 10 years and have accumulated these points through years of spending and loyalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Hello XX/XX/year> I filed a dispute for fraudulent activity on my account with Bank of America. The total amount of {$3200.00}. I was told I would recieve provisonal funds withing 24-48 hours due to this being a fraudulent claim on my account. They closed my debit card and sent out a new one in the mail which was recieved XX/XX/year> but still no credit on the account. I called Bank of America claims asking for updates and expressing my concerns on how bills are on the rise and I am in a very difficult postion due to this fraud and they put an escalation on the claim and 3 days later is was denied, no funds were returned back to me. Money was transferred out of my account via XXXX and then used to purchase and send bitcoin to a bitcoin wallet which I do have the address to this wallet. I am unfamiliar with bitcoin and bitcoin wallets but I do have the wallet ID my money was sent to. I have attempted to reopen this case and will file a police report as well. I have also sent out an email to bank of america executive as I have been a loyal customer for 25 years. The XXXX account is my my son 's where I give weekly allowance. Hes only XXXX and uses his money to purchase things for his video games online and Im not sure if he used an unauthorized site that collected our banking information for this to happen or not but I am out of alot of money and struggling to figure out how to manage my life after this seeing as its nearly a months worth pay. XXXX will pull money from any linked debit cards or bank accounts without authorization if you do not have the required funds for a pruchase in cashapp. When this fraud was made the XXXX had a {$0.00} balance, therefore it trickled into my bank of america checking account used to make these bitcoin purchase/transfer. Please help 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 monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I am filing this complaint regarding Midland Credit Management and the inaccurate reporting of an alleged collection account on my credit report. I previously disputed this account multiple times with Experian because I do not believe the account has been properly verified. Despite my disputes, the account continues to be marked as verified and updated without providing any meaningful documentation showing how the investigation was completed. I requested verification including : * Original signed agreement or contract * Full account history * Documentation proving ownership of the debt * Documentation showing Midland Credit Management has the legal right to collect * Proof that the reported balance is accurate Instead of providing proper documentation, the account was simply marked as verified again. Under the Fair Credit Reporting Act, I have the right to a reasonable investigation and accurate reporting. I am requesting : 1. A detailed explanation of the investigation process used to verify this account 2. Copies of all documentation relied upon during the verification 3. Removal of the account if proper verification can not be provided I believe the repeated automated verification of this account without meaningful investigation may violate my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
So my student loans as a whole have been very confusing. My loans got sold several times. My last servicer has them and it got sold to Mohela then they sold it to Mohela. I dont understand what happened. So I did set up an Income driven plan for my loans but I guess it was only applied to one of them. They never told me that I needed to do it for each loan and they never sent me anything by mail that I needed to set up a plan for each loan. Instead they let it sit there and eventually they sent the debt to the education department. So now I dont even know if I can even get an affordable payment arrangement because they failed to communicate with me. It was almost nearly impossible to get them on the phone.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/year>, an unauthorized transaction of {$110.00} labeled XXXX was charged to my Bank of America checking account. I did not authorize this transaction and I have no connection with the merchant or service. As a result of this unauthorized charge, my account went negative and a {$10.00} overdraft fee was also applied, bringing the total to {$120.00}. I had previously contacted Bank of America XXXX XXXX regarding this issue. I spoke with customer service representatives and a supervisor, but they did not open a fraud investigation or file a dispute. I was repeatedly told to visit a branch, however I am currently outside the United States and it is not possible for me to go to a branch. I requested assistance to block the transaction, reverse the charges, and remove the overdraft fee, but the bank did not resolve the issue. I am requesting a full investigation of this unauthorized transaction and a refund of the {$110.00} plus the {$10.00} overdraft fee.

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 2026-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
Clover XXXX XXXX ( {$16000.00} ) 2024 I was banking with XXXX Bank At The Time We Here XXXX XXXX XXXX They Held my Funds in Reserve For Fraud Reasons Just In case Charge Backs Or Refunds And as I Told Them Nobody Would Dispute And After 2 years I Haven't Received My Money And Nobody Disputed Those Transactions So Where Is My Money And I Deserve To Have My Funds

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 2026-05-07 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: CA

Complaint narrative:
Dear CFPB, The issue with Chase Sapphire credit card. The name on the credit card is XXXX XXXX. The XX/XX/XXXX statement was inaccurate, and the auto payment was incorrect. I visited the bank branch on XX/XX/XXXX, where XXXX bank representatives identified the wrong amount deducted as {$370.00} from the auto deduction. After I followed up by phone, the bank refunded the money to my Chase checking account on XX/XX/XXXX. However, the bank took the {$370.00} by reversing the incorrect amount on the statement of XX/XX/XXXX back to the statement of XX/XX/XXXX on my credit card. I found the bank reversed that overcharge as XXXX back to me again by reversal and pay correction as you can see in the statement of XX/XX/XXXX, please see the attached. I reached out to the bank on more than XXXX occasions, yet none of their representatives could provide a clear answer. Each time, they redirected me to someone else without resolving the issue, and no one took responsibility for addressing my concerns. Please see the transaction on the date of XX/XX/XXXX with attached. XX/XX/XXXX Payment correction credit to me as XXXX XX/XX/XXXX Reversal ( the wrong deduction ) back to me again as XXXX Consequently, I was left responsible for paying the outstanding balance of {$370.00}. I submitted a formal appeal regarding this overcharge on XX/XX/XXXX, and my appeal was ultimately approved on XX/XX/XXXX. Although the bank resolved the issue by reversing the charge, they did so without providing any notification or explanation to me. I contacted the bank, and XXXX of their representatives claimed the adjustment occurred because I requested it. However, this explanation is incorrectthe discrepancy resulted from the bank overcharging me on my XXXX statement. The bank is responsible for refunding the amount I was wrongly charged. Finally, there was a minor discrepancy on the same statement dated XXXX cash advance interest charge of {$9.00} was credited to my account. I notified the bank that I did not recognize this transaction. However, the bank was unable to provide any explanation for it. Regardless of whether the credit was legitimate, I believe I am entitled to a clear explanation for every transaction on my account. Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Brightfunders, LLC
State: CA

Complaint narrative:
I am a long-term customer of Lower, XXXX with XXXX history of on-time payments. My account was set up for XXXX. In XX/XX/year>, the XXXX failed due to an oversight in my bank balance. Lower, XXXX failed to provide 'clear and conspicuous ' notice of this delinquency as required by Regulation Z ( XXXX XXXX XXXX ) and RESPA XXXX XXXX XXXX XXXX ). While the company claims an email was sent, the communication had a generic headline that's identical to what Lower sends to me every month, not stating clearly a payment failure had occurred, so I did not open it. Nor did I receive a formal letter via mail. As a result, I was unaware of the failure until XXXX, at which point Lower attempted to pull a 'double payment ' of over {$5000.00}, and reporting me to the Credit bureaus, dropping my XXXX XXXX a full XXXX points. This credit drop notification was what finally alerted me to the overdue payment. I immediately remedied the full balance. Despite my immediate correction and perfect prior history, Lower reported a XXXX delinquency to the credit bureaus, and is placing the fault fully on me. This is causing significant financial harm as I am currently in the process of selling my home, as well as moving out of the country. I am asserting a Notice of XXXX. I request that Lower, XXXX retract this derogatory reporting to XXXX XXXX XXXX XXXX immediately, as the delinquency was prolonged only by the servicer 's failure to provide adequate, noticeable disclosure of the failed transaction. Furthermore, I demand that Lower, XXXX overhaul their notification procedures for failed payments. Using generic, marketing-style headers for critical financial defaults is a deceptive practice that prevents consumers from taking timely action. I request that Lower implement clear, urgent subject lines ( e.g., 'URGENT : Payment Failure Notice ' ) and ensure that physical mail notifications are sent via a verifiable method. A XXXX credit drop is a life-altering event ; a lender has a professional and ethical obligation to ensure the consumer is actually notified before reporting such devastating data to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I lost my social security and ID back in XXXX. And I have not applied for a XXXX XXXX credit card till this day. The credit card was never sent to my address. I already received a replacement social and ID. This has been on-going discussion with the collectors of an unpaid amount of {$640.00}. I have been paying all my other credit cards to keep my credit clean. Please help me resolve this matter as soon as possible. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Received an email from ex husband saying someone was contacting him about legal documents being filed against me in NC where I now live. ( I have not had any contact with my ex in 10 years, for good reasons ). Called the number from the voice message and spoke with XXXX and XXXX XXXX who said they were suing me on Monday for Capital One. This is a lie. I just spoke with Capital One for a settlement offer on last week. I confirmed with Capital One that they did not hire this company. This company had lots of info on me but the wrong debt amount. XXXX phone number. I am waiting on the email they promised to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
XX/XX/XXXX Cashier Check # XXXX issued for {$8200.00} To XXXX, XXXX, XXXX Re : XXXX Note : XXXX XX/XX/XXXX Mailed check and cover letter Priority Mail in USPS Office, XXXX XXXX XXXX, FL. XX/XX/XXXX Delivery date reported by USPS XX/XX/XXXX Upon not receiving a receipt, I called intended recipient, who reported receiving only a mangled, empty envelope. XX/XX/XXXX My inquiry to Vystar revealed altered image cleared XX/XX/XXXX : Altered " To '' as XXXX XXXX Altered " Re : '' as XXXX XXXX XXXX. Altered Note to remove the email address referenced above. Endorsement on back : XXXX XXXX XXXX, For deposit only at XXXX XXXX XXXX. XX/XX/XXXX Loss reported to Vystar. XX/XX/XXXX Vystar " Affidavit of Fraud and Member Statement '' notarized, forged image included, submitted. XX/XX/XXXX Vystar " Affidavit- For improperly negotiated XXXX Official Check '' signed. Numerous Frequent updates requested by me, typical response indicated still working and waiting. Vystar suggested filing reports with Post Office and Police, which " might help. '' XX/XX/XXXX XXXX report # XXXX filed, and reference given to Vystar. XX/XX/XXXX XXXX XXXX police report # XXXX filed, and reference given to Vystar. XX/XX/XXXX Vystar branch polite, but Fraud staff stonewalled my verbal demand for reimbursement. XX/XX/XXXX Filing with Consumer Financial Protection Agency.

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 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I am filing this complaint regarding the abrupt closure of three Barclays business credit card accounts on XX/XX/XXXX. The closed accounts included : Barclays XXXX XXXX XXXX XXXX Barclays XXXX XXXX XXXX card Barclays XXXX XXXX XXXX I had no delinquencies, no returned payments, and no fraudulent activity associated with these accounts. All transactions were authorized by me. I frequently made multiple payments per month to responsibly manage balances and maintain account availability. Barclays provided only a vague statement that information identified during a recent review did not align with the banks risk tolerance. I was never contacted for clarification, never asked to verify transactions, and never provided an opportunity to address any concern before all three accounts were closed. The closures were particularly confusing because Barclays had approved me for a new XXXX XXXX card in XX/XX/XXXX, only a few months before shutting down all accounts. In addition, my XXXX XXXX XXXX card reflected substantial spending activity, fully authorized on me behalf. In XXXX alone, the account reflected over {$200000.00} in spend. This spending was intentional and tied in part to my pursuit of XXXX XXXX XXXX XXXX status through eligible card spending. Barclays marketed and incentivized this type of spending behavior through the cards rewards structure. The accounts were closed only slightly more than two months before the XX/XX/XXXX loyalty qualification deadline, after I had already directed significant spending to the Barclays products for most of the qualification period. This created substantial lost opportunity, financial cost, and frustration. Further adding to the confusion, Barclays later mailed me a replacement XXXX XXXX card in XX/XX/XXXX for XXXX of the already-closed accounts, despite the account remaining inaccessible online. I escalated the matter to Barclays Office of the President. During a phone call on XX/XX/XXXX at approximately XXXX XXXX XXXX, Barclays XXXX XXXX XXXX XXXX XXXX representative, XXXX, acknowledged that I did not necessarily do anything wrong, but stated only that the closures were a bank decision and refused to provide any meaningful additional explanation. I understand that banks may choose to close accounts, but I believe Barclays handled this situation unfairly and without transparency, especially given my spotless payment history, substantial legitimate spending activity, and recent approval for additional Barclays products.

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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed a disputed claim and it was denied. I requested a full investigated report and did not receive it. I was told I would receive it and if any discrepancies, I can file a new claim. I received a report of the statement 's history dated XX/XX/year> I did not receive the information from the merchant to determine the decision of the denial. I also requested to submit the evidence to support my claim and was it was refused. I was told that I had to work only with the merchant if I wanted to get my funds from them. NO INVESTIGATION WAS COMPLETED.

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