vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am filing a complaint against Marcus by Goldman Sachs regarding a denied promotional bonus. On XX/XX/year>, I was enrolled in a savings promotion by a XXXX representative. During that interaction, I was explicitly instructed to withdraw my existing funds and redeposit them in order to qualify for a {$1500.00} promotional bonus. I relied on this guidance and moved {$100000.00} accordingly. The funds were redeposited on XX/XX/year>, which is within 10 days of enrollment and before the stated promotional deadline of XX/XX/year>. I would not have moved these funds otherwise. I am now being denied the promotional bonus on the basis that I withdrew and redeposited the fundsdespite this being the exact action I was instructed to take by the XXXX representative. I requested that XXXX review the recorded call from XX/XX/year>, where these instructions were provided, but they refused to honor the promotion. This situation involves reliance on incorrect guidance from a financial institution, which directly impacted my eligibility and resulted in financial harm. I am requesting that Marcus by Goldman Sachs honor the {$1500.00} promotional bonus based on the instructions I was given and my good faith compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: VA

Complaint narrative:
I received notice of a collections account on my credit report. I asked for more information from the company via written letter and never received anything. I opened 4 disputes with XXXX which they have failed to investigate.

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 2026-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I am submitting this complaint regarding a debt collection issue and failure to provide proper validation of a debt. Account number XXXX On XX/XX/year>, at approximately XXXX XXXX, I contacted the company and spoke with a representative named XXXX XXXX. During this call, I clearly requested a debt validation letter. Initially, he stated that he did not know what I was referring to. However, after I informed him that the call was being recorded, he changed his response and stated that he would send the debt validation letter both by mail and to my email address on file. As of today, more than 30 days later, I have not received any debt validation letter by mail or email. During the same call, XXXX XXXX also informed me that : - I was required to file a dispute with the credit bureaus before contacting the CFPB, which I now understand is incorrect. - The vehicle related to this debt was sold for {$1300.00}. - He made statements indicating personal opinions about the situation, which I found unprofessional. Following his instructions, I filed disputes with the credit bureaus. Those disputes have since been closed without resolving the issue of proper debt validation. I believe the company has failed to comply with federal law by : - Not providing a debt validation letter after it was requested - Providing misleading or incorrect information regarding my rights and the complaint process- Potentially continuing collection efforts without validating the debt I am requesting the following : 1. Immediate delivery of a complete debt validation letter 2. Documentation showing how the debt was calculated, including the sale of the vehicle and any remaining balance 3. Verification that the company is legally authorized to collect this debt 4. Correction of any inaccurate information reported to credit bureaus I also have a recording of the phone call from XX/XX/year>, which supports my statements and can be provided if needed. I am seeking a fair resolution and full compliance with all applicable laws. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA

Complaint narrative:
I applied for 30 years FHA financing was pre approved by XXXX XXXX Mortgage XXXX XXXX, for {$200000.00} on XX/XX/year>, I went under contract on XX/XX/year>, paid {$500.00} security deposit, on XX/XX/year> {$580.00} appraisal fee, {$100.00} termite inspection, and secured homeowners insurance. Thereafter it appears the lender undertook actions or engaged in retaliatory actions against borrow that may have violated my rights in the mortgage transaction after full disclosure of documents from the complainant requested for underwriting review. Including but not limited to my parent 's deed of trust as a non-borrow with owner interests in our family property on their HELC ; including letters of explanation for any late payments on my credit., It appears, I was also discriminated against due to my sex, race, color and disability as well, being a single retired African-American female with substantial monthly retirement, social security disability payments , that was denied consistent or fair treatment and subjected to discriminatory, deceptive or inconsistent practices by lenders. XXXXXXXX XXXX XXXX XXXX XXXX, " Lender '' Lender Case No : XXXX, failed to provide updated clear disclosures about interest rates, fees, and terms after imposing different terms or conditions now requiring 3 months reserves in addition to funds for closing can not be a gift, must be own funds, prior to closing on XX/XX/year>. Lender then improperly denied my loan application on XX/XX/year>, falsely claiming, * Lack of Cash Reserves and * Insufficient Funds to Close the Loan after imposing different terms to close on XX/XX/year>. I provided sufficient bank statements demonstrating my ability to close based on XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XX/XX/year>, loan estimate and have been waiting on clear to close, but the Lender 's shifting conditions prior to closing has caused me emotional, financial damage, harm and loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Bread rewards Comenity XXXX XXXX card Limited-Time Offer : Earn {$200.00} cash back ( XXXX bonus points ) when you open an account and spend {$1500.00} in the first 90 days! Expires XX/XX/XXXX. I applied on XX/XX/XXXX and got approval. I started to use it on XX/XX/XXXX when I received the credit card. I also called in on XX/XX/XXXX to confirm that I would get this offer bonus {$200.00} term stated on the letter if I fulfill the spending. This morning ( XX/XX/XXXX ) I received the new statement and found the promotional reward not posted in my account. I called in to speak with the supervisor ( XXXX XXXX, employee # XXXX ) about this issue. He denied to give this bonus, he said that the offer ended on expiration date XX/XX/XXXX, the amount {$1500.00} should be spent before that date. My total spending amount starting from XX/XX/XXXX to XX/XX/XXXX ( 90 days ) was {$2200.00}, it already way more than their requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
I am writing to formally dispute serious discrepancies and potential misconduct related to my student loan account. First, I have identified that approximately {$10000.00} has been added to the balance of loans that are between XXXX and XXXX XXXX XXXX and were previously designated for forgiveness. I possess official documentation from the federal government confirming that these loans were to be forgiven. Additionally, I was directed and effectively forced into consolidating loans that were already in the forgiveness process. The Direct Loan Consolidation application was originally submitted in XX/XX/year> ; however, it was not processed until XX/XX/year>. Given the unusual delay, I have reason to believe that key dates may have been altered or misrepresented during processing. Further, I have evidence indicating that : * A fraudulent Income-Based Repayment ( IBR ) application was submitted without my authorization. I have a copy of this document in my possession. * My signature digitally appears on documents that I did not complete or authorize. * Multiple calls between myself, XXXX, and Aidvantage ( all of which were recorded ) confirm that the loans in question were the same loans identified for forgiveness. Despite this, these loans have now been placed into a consolidation loan, treated as new debt, and had an additional {$10000.00} added to the balance. This effectively resets the age of the loans, disregarding their original XXXX year history and eligibility for forgiveness. This situation raises significant concerns regarding account handling, document integrity, and potential fraud. I am requesting the following actions immediately : 1. A full audit and investigation of my account, including all submitted applications and documents. 2. Removal of any unauthorized or fraudulent applications, including the IBR submission. 3. Reversal of the consolidation if it was processed based on inaccurate or unauthorized information. 4. Correction of the loan balances, including removal of the additional {$10000.00}. 5. Restoration of the original loan status and reinstatement of eligibility for forgiveness based on their true age. 6. A complete record of all documents, applications, and call logs associated with my account. Please treat this matter with urgency. If this issue is not resolved promptly, I am prepared to escalate this dispute to the appropriate federal oversight agencies. I expect a written response detailing your findings and corrective actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Pretty sure I just experience discrimination and the utmost unprofessionalism around XXXX this morning. I bring in XXXX check to the PNC Bank XXXX XXXX XXXX XXXX, XXXX ( PNC XXXX XXXX Merged ) written by my Real Estate Brokerage. I do not bank with this bank, so I had to give 2 forms of ID and agree to the 2.5 % fee to cash the check. Check amount was {$7.00}, XXXX. Well after waiting for about XXXX minutes, a total of XXXX women are standing in front of me. I ask if there is a problem, I was told the account numbers were different because of the new banks system so they needed to do a few extra steps. The 3rd lady who seemed to be the bank manager picks up the phone to call someone. She hands up and says " They didn't answer ''. I then ask a second time, is there an issue? She says " Well, we tried to call your brokerage but they didn't pick up and we need to speak with the check writer... ( yes i'm confused at this point but I proceed to comply ). I repeated " the person who wrote the check? ", they all said yes as i'm on the phone with my brokerage trying to get resolve. I ended up calling the wrong admin, and the person I needed wasn't in the office. I ask the lady who I assume to be the manger a question. * * * Quoted verbatim " Just our of curiosity and for clarity, you need to speak to the check writer for verification of funds and not the bank the check is in?? * * * She immediately got snobby with me with the most inhuman tone and said " Well It's not a verification, we just have a few questions before we can cash the check '' .. My response was : ohhh so this is a security issue not a verification of funds issue???... ( keep in mind they told me there was no problem at all several times ) They said yes, we have questions that we can't disclose to you ( I'm totally okay with this by the way ). But my issue in the tone and way this lady was speaking to me had me completely appalled. She storms off after she see 's I'm clearly annoyed.. but instead of showing my annoyance, I proceeded to thank the first two ladies for their professionalism and kindness and ask for my check & ID back and tell them I'll go deposit into my main bank, XXXX XXXX XXXX I as a military veteran, am shocked I received this type of treatment, especially in a military town.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am receiving excessive calls and text messages from NCB Management Services regarding an alleged debt. They contact me multiple times per week using different phone numbers. I have never responded to them and have attempted to block their numbers. I recently sent a STOP request to opt out of text messages. Despite this, I am concerned they may continue contacting me. This behavior feels harassing and excessive under federal law. I am requesting that they cease all communication and provide proper validation of the alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Self Financial Inc.
State: PA

Complaint narrative:
I opened up a self credit builder account I deposit {$50.00} and XXXX Cent on XX/XX/XXXX. I did deposit {$20.00} which made my credit builder savings account total of {$70.00} and some change. I received a notification that my payment was due when I went to check my credit bill account. I only had XXXX dollars in my account, I reached out to self trying to figure out what happened to my money because from what I've read you save money in a credit builder account and then they report it to the credit barrel and you receive points so I'm not understanding. Why did my money go missing? I have tried to contact self through the phone. I'm unable to get a live agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: GA

Complaint narrative:
Subject : Unauthorized Charge Failure to Refund Undelivered Order ( Regulation XXXX Violation ) Complaint Against : Chime XXXX XXXX XXXX ( Account serviced by [ The XXXX Bank or XXXX Bank ] ) Summary : I am filing this complaint regarding Chimes refusal to refund a charge for goods that were never received, despite clear evidence and lack of proof from the merchant. Transaction Details : - Date of transaction : XX/XX/year> - Merchant : XXXX XXXX - Amount : {$26.00} - Transaction type : Disputed charge for undelivered goods What Happened : On XX/XX/year>, I placed an order through XXXX XXXX that was marked as delivered, but I never received the order. I have a XXXX doorbell camera at my residence, and there is no footage showing any delivery being made at the time the order was marked as delivered. I contacted XXXX XXXX and requested proof of delivery, such as a photo confirming the order was delivered to my address. I clearly stated that I would not dispute the charge if such proof could be provided. XXXX XXXX refused to provide any delivery photo or proof. I then filed a dispute with Chime, explaining that the order was never received and that the merchant could not provide proof of delivery. Despite this, Chime denied my claim and refused to refund the charge. Why This Is a Problem : Under the Electronic Fund Transfer Act and Regulation XXXX, financial institutions are required to conduct a reasonable investigation into disputes involving unauthorized or erroneous transactions. In this case : - The merchant can not provide proof of delivery - I have evidence ( XXXX camera footage ) that no delivery occurred - Chime has not provided any evidence that the transaction was valid or that the goods were received Chimes denial appears to be based on insufficient investigation and lacks supporting documentation. Impact : I have been charged {$26.00} for goods that I never received. XXXX Requested : - Immediate refund of {$26.00} - A proper investigation in compliance with Regulation XXXX - Written explanation of the evidence used to deny my claim Additional Documentation : - Ring camera records showing no delivery - Communication with XXXX XXXX requesting proof of delivery - Dispute records with Chime I request prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Revolut Technologies Inc.
State: GA

Complaint narrative:
Date : XX/XX/year> Amount : {$10000.00} Action taken : I contacted customer support live chat & complaint department at Revolut multiple times ( sent both formal and executive complaint emails- pls see attached ) ; I also contacted their partner bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX supervisor & their customer support denied their regulatory responsibility by telling me this is their partner bank account, not theirs! but they accepted the wire successfully from my bank at XXXX XXXX XXXX on XX/XX/year>. I also had my XXXX wiring dept requested the XXXX recall for the fund to be returned, but Revolut denied my recall without a reason why the recall was denied. My bank at XXXX also requested the XXXX recall on XX/XX/year>, but no response from XXXX XXXX and/or their partner Revolut. -> Fund received by XXXX XXXX / Revolut platform : XXXX XXXX -> Still restricted : 40+ days - hold customer 's fund with no explanation the reason of holding. -> Revolut review team breached their reviewing timeline since XX/XX/year> -> Revolut payment operations team denied my 1st recall request with no reason why! -> 2nd recall was sent by XXXX XXXX XX/XX/year>, but no response from XXXX XXXX until today. -> Executive complaint email sent -> Last reply : XX/XX/XXXX XXXX As of today XX/XX/XXXX, no resolution! With all the above bad business practices by XXXX XXXX and their fintech company at Revolut, it's making me believe this is a fraudulent operation who treat customers unfairly, they are being unethical and unreasonable. I don't feel safe to work with this type of unethical & not transparent organization! I would like for them to return my fund in the amount of {$10000.00} back to my bank account at XXXX XXXX XXXX as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIRST FINANCIAL BANCORP
State: OH

Complaint narrative:
For the second Year in a row I have attempted to cash my IRA certificate of deposit within the grace period of seven days. I get all kinds of run around. I am not a banker but have a money market and several CDs with first financial Bank. Now, I hold a check that is titled wrong, and have missed the window of opportunity with a second CD, to cash it. The management at First Financial ( previously XXXX XXXX prior to XX/XX/XXXX ) seem to beleive that my financial broker must submit to their rules, and accept whatever documentation they choose to provide, ignoring written instructions and cover letter documents of intent. Please help. Now I must wait until XXXX for 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 non-monetary relief
Consumer complaint received 2026-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trustly, Inc.
State: GA

Complaint narrative:
I seemed to have had acess to my XXXX XXXX compromised and charges were made. I blocked checking account withdraws and disputed credit card charges but now this weird merchant sent a collections. This company is requesting USD XXXX through " indebted ''. They gave ref number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: EAST WEST BANK
State: NY

Complaint narrative:
Complaint Against East West Bank XXXX XXXX Service Restriction & Misleading Conduct ) Subject : Formal Complaint Against East West Bank for Unfair XXXX Restriction and Misleading Conduct My name is XXXX XXXX, and my East West Bank checking account number is XXXX. My XXXX transfer function was restricted by the bank due to a third-party complaint filed against me, without prior notice or any evidence provided to substantiate the alleged wrongdoing. A bank representative explicitly informed me that the only way to resolve the XXXX restriction was to withdraw the third-party complaint against myself. I fully complied with this instruction and withdrew the complaint, relying on the banks implied promise that my XXXX service would be restored afterward. After completing the complaint withdrawal and submitting a formal review request to the bank, my XXXX function remains restricted. The bank has failed to lift the restriction or provide any valid, detailed explanation for the continued limitation, despite my full cooperation. This conduct is misleading and unfair. The bank induced me to withdraw a complaint against myself under the pretense of resolving my account issue, yet has not honored its commitment. The ongoing XXXX restriction has severely disrupted my personal and business financial transactions, causing significant inconvenience and financial harm. I demand the following : XXXX. Immediate restoration of my XXXX transfer function. XXXX. A full written explanation for the initial XXXX restriction and the continued denial of service after I withdrew the third-party complaint. XXXX. A formal acknowledgment and apology for the banks misleading conduct in inducing me to withdraw the complaint against myself. I expect a prompt and satisfactory resolution from East West Bank, failing which I will pursue further regulatory action. Contact Information ( to be filled in on the form ) : Name : XXXX XXXX Bank : East West Bank Account Number : XXXX Product Type : Domestic Money Transfer ( XXXX XXXX

Company response to consumer: Closed with explanation