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: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year> I made a {$4500.00} payment towards my PayPal MasterCard through Synchony Bank. The payment showed pending on XX/XX/year> revealing nearly a XXXX balance owed in my account & usually my funds are ready for use at that time... they were not. I called the Synchrony customer service next day & the gentleman advised it would take approximately 24-72 hours to verify due to the large amount paid. The money was debited from my account XX/XX/year>. As of today ( XX/XX/year> ) I was advised the amount paid for would not be accessible for utilization until XX/XX/year> as this is a larger than normal payment on my account. I was also advised this has to do with " check verification '' although this was a debit & the individual advised the money had been received. I asked where the money is with the response of " I don't know ''. This is extremely frustrating as I use this card specifically for home improvements & such... now {$4500.00} in cash is gone & not available for use until XX/XX/year>. Never had I had this problem with XXXX, XXXX, or XXXX XXXX credit cards. I spoke with someone familiar with this system... she advised something is off & it might be prudent to threaten legal recourse. Something has to be addressed here. I am well off, but I have a strong feeling many have been harmed financially with this process. Not everyone can afford to have a large sum of liquid cash become unavailable for three weeks. I hope this complaint can force some kind of change as this is absolutely unacceptable. Thank you for your time.

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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My phone was stolen during an incident in XXXX XXXX around XX/XX/year>. After the theft, unauthorized purchases were made using my PayPal Cashback XXXX XXXX through XXXX XXXX. I reported the fraud to XXXX and Synchrony Bank, and temporary credits were issued while the claim was reviewed. I was later told by phone that the fraud claim was approved and that I was not responsible for the unauthorized charges. However, on XX/XX/year>, an {$830.00} adjustment was added back to my account. Because autopay was active, {$830.00} was pulled from my bank account on XX/XX/year>. When I called about this, I was told again that the claim was approved and that I needed to request a refund check for the incorrect autopay withdrawal. I later received the refund check and believed the issue was resolved. Then, on XX/XX/year>, the same {$830.00} appeared again on my account as an adjustment. My current balance now shows {$850.00}, which appears to include the disputed {$830.00} plus a separate {$27.00} purchase. I have tried to resolve this by phone multiple times. My most recent call lasted about 1 hour and 40 minutes. I was transferred repeatedly between customer service and the fraud department. Supervisors were involved, but each department blamed the other and transferred me back and forth without fixing the issue. This appears to be a billing and servicing error after an already approved fraud claim. I am disputing the {$830.00} amount and any related autopay withdrawal, interest, fees, or credit reporting.

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding the severe delay in processing my Public Service Loan Forgiveness ( PSLF ) discharge. My current servicer is XXXX but I have been in communication with Federal Student Aid I have been employed by a qualifying employer for more than 120 months, which fully qualifies my loans for discharge under the PSLF program. I was making qualifying payment until I was placed into SAVE forebearance and I have been requesting a review since XXXX. I have already submitted all required employment verification documentation. In XX/XX/XXXX, I submitted a formal reconsideration request for a PSLF buyback. To date, I have received no updates, communications, or status changes regarding this submission. This lack of processing and communication is actively delaying and preventing the timely discharge of my student loans, which I have rightfully earned through a decade of dedicated public service. I request an immediate review of my account, a status update on my XX/XX/XXXX buyback reconsideration, and the expedited processing of my PSLF discharge.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My Chase account was closed without cause while a monthly pension check ( my familys sole source of income ) was being deposited. The funds have cleared. Chase is refusing to release my property, claiming a " restricted '' status and stating they will not issue a check until XX/XX/XXXX This delay is causing immediate destitution. I am currently on foot, have {$0.00} for food, family essentials, or pet care. I spoke with a manager named " XXXX '' at the XXXX XXXX branch in XXXX who was unprofessional and refused to provide a last name or any path to resolution. Desired Resolution : Immediate release of my cleared funds via cashier 's check or cash at a local branch today.

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 was result of identity theft
Company: InDebted Corporation
State: SC

Complaint narrative:
INDEBTED USA is falsely reporting on my credit. I have never had any accounts with them. Per my research INDEBTED USA 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 2026-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year> : Made in branch payment for {$1500.00} to XXXX XXXX XXXX XXXX. Teller mistakenly applied payment to personal account instead of business account. Which resulted in default and Wells Fargo closing XXXX XXXX XXXX XXXX account on XXXX XXXX. We have made several escalated complaints, Wells Fargo refuses to acknowledge their mistake, offer an apology, or reach any sort of resolution. Instead, they only acknowledge closing the account with no reason offered. Have made numerous attempts in branch and on the phone, poor customer service and no explanations offered.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NJ

Complaint narrative:
I have tried to pay off an installment loan of {$340.00} of which {$160.00} still needs to be paid. Every time I attempted to pay off the installment loan I am unable to do so since the website and app are not functioning correctly. I do not wish for this to negativity impact my credit score and I have tried to resolve this issue on several occasions with them. They have not fixed this issue and I would like for them to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Subject : Unauthorized Western Union Transfers Account Compromise and Failure to Prevent Fraud I am submitting this complaint regarding unauthorized transfers made from my Western Union account after my account was compromised/hacked. In XX/XX/year>, four unauthorized money transfers totaling approximately {$79000.00} were sent from my account without my knowledge or authorization : Money Transfer XXXX XXXX {$190.00} Money Transfer XXXX XXXX {$190.00} Money Transfer XXXX XXXX {$190.00} Money Transfer XXXX XXXX {$190.00} I discovered the fraudulent activity almost immediately and reported it to Western Union within approximately 30 minutes of the transactions being made. During that report, Western Union blocked and closed my account due to the fraudulent activity. Despite receiving immediate notice that the transactions were unauthorized and fraudulent, Western Union failed to stop, freeze, or prevent the transfers from being completed before the funds were credited to the recipient account ( s ). Western Union later informed me that they could not reverse the transactions because the recipient bank confirmed that the funds had already been credited. However, this response does not address the core issue that : - The transfers were unauthorized. - My account had been compromised. - I reported the fraud immediately. - and Western Union itself considered the activity suspicious enough to block and close my account. Western Union has also failed to provide : - Details of its fraud investigation. - Login/IP/device access records. - Information regarding authentication methods used. - or an explanation of what actions were taken after I reported the fraud. I acted responsibly and notified the company as soon as I became aware of the unauthorized activity. I should not be held financially responsible for fraudulent transactions resulting from account compromise and possible failures in fraud prevention procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Prizm Financial Company, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding the collection practices and communication conduct of Prizm Financial and collections representative XXXX XXXX. My vehicle payment became past due on XX/XX/year>. I communicated to the company multiple times that I intended to submit the payment on Wednesday, XX/XX/year>. Although the company stated they would not approve additional time, I remained responsive throughout the day and repeatedly acknowledged the account and intended payment date. Despite this, I received an excessive number of emails throughout the day, including repeated repossession threats and increasingly personal and argumentative comments that I believe went beyond normal collections communication. Examples included : comments questioning why I could not be a responsible adult and pay your bills on time, comments about my paycheck schedule and finances, statements such as Hopefully you still have the XXXX by Wednesday, repeated argumentative replies after I had already communicated my intended payment date, and continued back-and-forth communications that became increasingly hostile and unprofessional. I also have concerns because the company has contacted family members in the past claiming I was not responding, which is why I continued replying in writing throughout the day to document that I was communicating regarding the account. I understand the lender has the right to collect on a past due account and discuss possible repossession under the contract. However, I believe the frequency, tone, and nature of the communications became excessive, intimidating, and unprofessional. I have retained screenshots and copies of the email communications for documentation.

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 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
After receiving transaction records from Cash App, I learned that unauthorized Bitcoin and cryptocurrency-related transactions had been occurring on my account as early as XX/XX/year>, without my knowledge. I was not aware of these earlier transactions until Cash App later provided transaction history during the dispute process. On XX/XX/year>, XXXXXXXX XXXX contacted me regarding suspicious transactions involving my account. At that time, I was informed that nothing could be done until the transactions fully posted to my account. I requested that the payments be stopped immediately, but I was told by XXXX XXXX that they could not stop them. Two unauthorized transactions of {$3000.00} each, totaling {$6000.00}, were transferred from my XXXX XXXX account to another Cash App account. The funds were then converted into Bitcoin/virtual currency and sent to wallet addresses that I do not recognize or control. I did not authorize these Bitcoin purchases, cryptocurrency transfers, or wallet transactions. The transaction records later provided by Cash App show multiple Bitcoin transfers, XXXX XXXX withdrawals, and internal currency exchanges occurring between XX/XX/year> and XX/XX/year>. These transactions were not authorized by me. I immediately contacted Cash App and opened fraud disputes regarding the unauthorized activity. I have submitted four claims with Cash App, and each claim has been denied. XXXXXXXX XXXX has stated that because the funds were transferred through Cash App, they consider the matter to be in Cash Apps hands. I submitted an IC3 complaint with the FBI and am requesting a full investigation into the unauthorized transactions, Bitcoin wallet transfers, recipient wallet addresses, and any accounts associated with this activity, along with reimbursement for the stolen funds. Also, those screenshots/documents are definitely worth attaching to the CFPB complaint since they show : dates, transaction types, Bitcoin transfers, XXXX withdrawals, and the {$3000.00} deposits/transfers.

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: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Subject : Systematic Denial of Account Closure via Circular Verification Loops Description of Issue : I am reporting a broken administrative process at Citibank that is effectively holding my consumer credit account hostage. The Circular Loop : Since issuance in XX/XX/year>, my account has been in a " security check '' status. Citibank refuses to allow account access without a mailed code. I have requested this code multiple times and never received it. I can not use and have not been able to make a single transaction on this account. The Refusal to Close : When I contact Citibank to close the account, they state they can not process a closure without first " verifying '' the accountwhich requires the code I can not receive. In addition, the annual fee was charged to my account, and was not waived even after filing a separate CFPB complaint. CFPB complaint number : XXXX / XXXX The Result : I am being charged a {$95.00} annual fee for a product I can not access, can not use, and am being prevented from closing. This is no longer a fraud issue ; it is a systematic barrier to account termination. Supporting Details : Account Status : No transactions have ever been made on this card. Prior Action : Previous CFPB complaints ( XXXX / XXXX ) were filed, but Citibank responded by attempting to " fix '' the verification rather than closing the account as requested. Final Request : Close the account immediately. I waive any right to the previous {$95.00} fee. I simply require confirmation that the relationship is terminated and no further fees will be assessed.

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 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
My XXXX-issued XXXX XXXX credit card was scheduled to transfer to Citibank on XX/XX/year>. Since the transfer date, Citibank states it has no record of my account or Social Security number, while XXXX states the transition may take up to two months. I currently do not have access to a functioning credit card account despite being an existing customer in good standing. Repeated attempts to resolve this through customer service have failed. I am requesting immediate investigation, restoration of account access, and confirmation of the status of my transferred 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 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: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
I am filing a complaint regarding American Expresss handling of my dispute for a charge of {$8600.00} dated XX/XX/year>. American Express has refused to reopen or properly evaluate my dispute unless I provide proof that the merchant agreed to accept a return. However, this is not a standard return dispute. This case involves : Undelivered goods : a promised shipment of products was never received Defective merchandise : the device and components were damaged and do not function as represented Misrepresentation : the product received does not match what was demonstrated during the sale Failure to disclose material terms : return restrictions were not clearly disclosed prior to signing Lack of informed consent : I was rushed through signing while my passport and boarding information were being held and monitored No ability to resolve directly with the merchant : the merchant is an international entity in XXXX and has been unresponsive despite repeated documented attempts to contact them American Express denied the dispute based solely on the merchants alleged final sale policy, despite the broader issues of non-delivery, defective merchandise, and misrepresentation. I am requesting that American Express conduct a proper supervisory review under the appropriate dispute categories and reconsider reversal of the {$8600.00} charge.

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: CO

Complaint narrative:
In XX/XX/XXXX, I rented a XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX ( Rental Agreement XXXX, Confirmation XXXX ) for 12 days ( XX/XX/XXXX ). Total charges of {$530.00} were billed to my Chase XXXX XXXX ending in XXXX. VEHICLE DEFECTS : Several hours after pickup, I discovered two safety defects : ( 1 ) the windshield washer fluid system was completely non-functional a latent mechanical defect only discoverable during actual rain ; and ( 2 ) the rear backup camera was fully detached due to rust corrosion. I have photographic documentation. The rental location was 3.5 hours away, making a return for replacement unfeasible. XXXX XXXXXXXX XXXX rainy season meant the vehicle was unsafe to drive on more than half the rental days. XXXX XXXX RESPONSE : Upon return on XX/XX/XXXX, XXXX staff acknowledged the defects and verbally promised a partial refund. A representative then reversed this, claiming ( incorrectly ) that adjustments must go through U.S. corporate contrary to XXXXXXXX XXXX own policy. CHASE DISPUTE DENIED : I filed two disputes on XX/XX/XXXX requesting 50 % refunds ( {$230.00} and {$34.00} ) with full written narrative and photos. Chase denied both ( XXXX XXXX and XXXX XXXX, XXXX, Claim ID XXXX ). On XX/XX/XXXX, a Chase specialist confirmed disputes were closed because I signed a " damage waiver '' at pickup. WHY THIS IS WRONG : The physical damage waiver covers pre-existing cosmetic damage visible at inspection dents, scratches, body damage. It can not legally waive a consumer 's right to a mechanically functional, safe vehicle. A non-functional windshield wiper system is a latent mechanical defect that can not be detected during a visual walk-around. Chase applied the waiver to the wrong category of defect entirely. Under Regulation Z/TILA, Chase is required to conduct a reasonable investigation. Chase instead accepte d XXXXXXXX XXXX response without evaluating whether the damage waiver legally applied to mechanical defects, ignored photographic evidence, and disregarded that XXXX staff had themselves acknowledged the defect and offered a refund. I am requesting Chase be directed to properly re-investigate both disputes ( total disputed : {$260.00} ) and apply the correct legal standard : damage waivers do not bar claims for latent mechanical defects.

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: TRUIST FINANCIAL CORPORATION
State: OK

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 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