vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
Hi Thanks for your response. You got some point of one of the issues. Your reply : " the Bank received the reversed amount deposited back to the account at XXXX XXXX on XX/XX/year>, and can confirm that all interest was appropriately calculated as of this day ''. But this reversal was not returned by other bank. So your bank didn't receive the reversal. Your bank made the block and reversal. You should debit and credit on the same day. I should not pay the price ( interest loss ) even if your blocking was acceptable ( actually not ). Hopefully you understand the situation correctly and make right decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting a complaint regarding a {$5500.00} credit card transaction processed on XX/XX/year>, with XXXX XXXX XXXX XXXX for a marketing program called XXXX XXXX. The payment was made using my Citibank credit card. The service was sold to me after an initial phone call followed by a one-on-one XXXX sales call, where I was promised a complete marketing system and a guaranteed minimum of XXXX fully closed and booked clients per month. Based on these representations, I proceeded with the purchase. The company failed to deliver the promised services. No clients were generated, and most of the services outlined in the agreementincluding marketing setup, advertising management, and lead generationwere not performed or only minimally attempted. Additionally, the agreement specified that {$3000.00} of the payment would be allocated toward advertising spend, but the merchant has refused to provide any documentation, invoices, or reports showing how these funds were used. After attempting to resolve the matter directly, I sent a formal demand letter requesting documentation and a refund under the contractual guarantee. The merchant ceased communication and blocked further contact. I filed a dispute with Citibank for services not rendered. The bank denied the dispute, relying on the merchants submission of a contract and refund policy, but did not adequately consider the lack of evidence that any services were actually performed or that the advertising funds were used as stated. I requested that the dispute be reopened and provided additional documentation, including the contract, correspondence, and evidence of non-delivery. The merchant responded again by referencing the contract terms but still did not provide proof of service delivery. This is not a dispute about dissatisfaction or contract terms. This is a case where the merchant failed to deliver the core services that were purchased and has refused to provide documentation supporting their claims. I am requesting that Citibank properly review this matter as a billing error involving services not rendered under the Fair Credit Billing Act and reconsider the denial of my dispute based on the full set of evidence provided.

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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX Debt Recoveey XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing in response to a collection account that has been reported under my name. I am requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Please provide the following : XXXX. The name and address of the original creditor. XXXX. The full amount of the alleged debt, including an itemization of any interest, fees, or charges. XXXX. Copies of any agreement or contract bearing my signature showing that I agreed to assume this debt. XXXX. Documentation proving that your company has the legal right to collect this debt. XXXX. Proof that the debt is within the statute of limitations. Until proper validation is provided, you must cease all collection activities and reporting of this account to any credit reporting agencies. If this account is reported to any credit bureaus without proper validation, I will file complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state Attorney General. I request that all future communications regarding this matter be conducted in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I kept getting notifications someone was in the app and I wasnt able to log in. I did not make the account or give consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Conduent Incorporated
State: MI

Complaint narrative:
As I stated. I completed a transfer online through the goprogram.com ( unemployment benefits ) .The transfer was processed on XXXX/XXXX/3026 it says " cleared '' and it would take XXXX business days to process. Today XX/XX/year>, the funds are back on in prepaid card and the transaction is listed as " cash credit client adjustment ''. I have no idea why the funds were placed back in the account. Ive tried calling and there is no option to speak with a live representative. No option for technical support, just an automated loop. Im trying to pay my bills, but I can not using thd card because there is no routing or checking account number attached to this horrible prepaid debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Receivables, Inc.
State: AL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX CFR XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I bank with XXXX thank you as well as PayPal I get my direct deposit sent to PayPal but since PayPal has been playing too many games and stealing money and doing all that I've opened up another account with XXXX because you know they're having second funds but anyway I use XXXX is the bank to pay a lot of my bills and PayPal for some reason has blocked me from sending money over today to my other bank account they act like they want me to just keep my funds with them but yet they've been stealing, they don't return my money they don't give me what I'm supposed to have they've been doing too much now I'm trying to keep from taking my direct deposit up out of there all together but that looks like what that's where it's coming down to PayPal is too full of XXXX XXXX XXXX XXXX and I'm getting tired of it. They already owe me {$500.00} and {$13.00} because I lost money through XXXX you know I purchased a I purchased an ebike from through XXXX and the XXXX came all destroyed and I filed a dispute to get my money back in they tried to tell me that I lost these people but it turns out that I want the dispute because they told me the people that I was disputing against told me that they told me told them that I want so they've been very they've been scheming they've been lying they've been doing a lot and I'm about to take this PayPal to Federal I mean they're getting to become a problem but now they're blocking me all together from dealing with my other bank even though my bank is linked to their account I need for you guys to look into this situation seriously

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I recently switched my primary bank account from XXXX XXXX to XXXX and moved all my funds there, but I forgot to update my payment method on my Chase credit card. As a result, a payment was taken from my old XXXX XXXX account, which no longer has funds, and now shows a negative balance of - {$130.00}. This payment was automatically pulled from my XXXX bank on XX/XX/year>. I have updated my payment method to my XXXX account, and I want to see if the payment can be reprocessed from there instead. I also wanted to ask if any fees associated with this situation can be waived since this was an honest mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — FHA 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: LA

Complaint narrative:
I am a victim of XXXX XXXX with an active court-ordered XXXX XXXX against my co-borrower ( ex-husband ). I have successfully completed a XXXX trial modification period ( XX/XX/XXXX through XX/XX/XXXX ), including an extra good-faith payment in XXXX. Despite my perfect performance, LoanCare denied my permanent modification based on a one-day delivery delay. Crucially, the offer letter states that the documents must be " returned '' by XX/XX/XXXX. I fulfilled this requirement by sending the documents via the LoanCare-provided XXXX XXXX XXXX on XX/XX/XXXX. The documents were delivered to XXXX office on XX/XX/XXXX. Denying a permanent modification because of a XXXX XXXX delaywhen the documents were " returned '' before the deadlineis an unfair and deceptive servicing practice. Furthermore, coordinating these signatures was a significant legal hardship due to the XXXX XXXX and the co-borrowers pending criminal trial. Under RESPA and XXXX guidelines, the servicer should provide reasonable flexibility for victims of XXXX XXXX. I have already escalated this matter to the HUD XXXX XXXX XXXX ( FHA ) as of XX/XX/XXXX. Desired Resolution : XXXX. XXXX override of the deadline denial and approval of the permanent loan modification. XXXX. Recognition that the documents were " returned '' timely as per the letter 's instructions. XXXX. Application of my " unapplied '' XXXX payment to satisfy the XX/XX/XXXX payment requirement. XXXX. A halt to any foreclosure activity or negative credit reporting while this escalation is pending.

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 2026-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: WI

Complaint narrative:
I spoke with Rocket Mortgage about my monthly payment, and it increased unexpectedly. Normally, escrow only increases a small amount each year, but this year it went up significantly due to higher property taxes and insurance. They told me that the XXXX XXXX in XXXX removed me from the XXXX list, which caused my property taxes to increase a lot. Because of this, my monthly mortgage payment is now too high for me to afford. I am deaf and receive XXXX. I also have other necessary expenses such as gas, phone, electricity, water, vehicle repairs, food, clothing, and household needs. Some of my bills are already behind, and my income is not enough to cover everything. I have been trying to keep up with my mortgage payment of {$670.00}, but I am struggling. I am very concerned because I can not afford to lose my home, especially since rent for apartments is also very high.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Fusion Auto Finance
State: NY

Complaint narrative:
For a month, we were trying to negotiate buying out the lease at the end of term, and the financing company XXXX Fusion Auto XXXX XXXX continued to offer amounts that varied from the contracted amount - claiming that it was in their right to increase the amount. Because negotiating with them was proving costly, I attempted to trade in the car for a new vehicle. Unfortunately, the leasing company inflated the buyout by over {$7000.00} from the contractual buyout. The dealer then decided to withdraw allowing me to trade in the vehicle because the financing company was challenging. I am trying now to complete the buyout of the car at the end of the lease, and they are insisting on an additional {$7000.00} on top of the contractual buyout. Because the vehicle has low mileage, they have carried this process past the maturity date, and now want the vehicle for themselves to sell and recoup our earned equity for themselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I overpaid the charges on my credit card in the amount of {$4600.00} dollars on XXXX, 2026. I called the bank helpline number of XX/XX/XXXX regarding the overpayment and they told me they are going to initiate a refund to the source of payment. I did not receive any refund for the next XXXX weeks. I called them again on XX/XX/XXXX regarding the refund. They told me there was an issue in their system and they are sending a check that I should receive in XXXX business days. I still haven't received any check. I called them again today on XX/XX/XXXX, they told me they sent me a check but I have not received any check still. I also initiated a complaint with their customer service for which I received a letter from them, for which i received an acknowledgement letter with a complaint number and an assurance that they will call me in next XXXX business days. I havent received a call from them. They have already violated the Regulation XXXX ( XXXX C.F.R. XXXX ).

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 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am filing a formal complaint against Comenity Bank regarding inaccurate and unverified information being reported on my credit file. I have previously disputed this account directly with the company, requesting proper validation of the alleged debt, including a signed original contract and full account-level documentation. Instead of providing legally sufficient verification, Comenity has only supplied billing statements and summary information, which do not meet the standard of proof required under federal law. Billing statements are not proof of a valid, enforceable debt, nor do they demonstrate that I am legally obligated for the account. Despite this, Comenity continues to report this account to the credit bureaus, which is causing harm to my credit profile. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as inaccurate and unverified information must not be reported. The company has failed to properly investigate my dispute and continues to furnish information that can not be substantiated. I am requesting that Comenity Bank : Provide full and proper validation of this account, including a signed agreement and complete transactional records, OR Immediately delete this account from all credit reporting agencies If Comenity can not provide competent evidence of this debt, they must cease reporting it. I am seeking a full correction of my credit file and enforcement of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I TRY TO OPEN AM AMERICAN EXPRESS ACCOUNT XX/XX/year> AND GOT A LETTER SAY MY APPLICATION WAS DECLINED I CALLED AND THEY TOLD ME THAT I HAVE AN ACCOUNT OPEN AND I NEVER OPEN AN ACCOUNT WITH AMERICAN EXPRESS BEFORE THE ACCOUNT THAT WAS OPEN WAS FRAUDULENT AND I WOULD LIKE TO DISPUTE THIS AND REMOVE IT FROM MY PROFILE AND OPEN MY OWN ACCOUNT IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Ave Student Loan Servicing, LLC
State: NY

Complaint narrative:
Over the past approximately XXXX weeks, I have engaged in extensive correspondence with College Ave, totaling over XXXX emails, in an effort to resolve discrepancies in my account. I have to loans with College Ave and I had been paying on XXXX of the loans that was paid off since XXXX of 2025. Despite my efforts, I have not received a clear, consistent explanation of my account activity. Initially, College Ave provided me with a payment audit stating that multiple refund checks issued to me had been cashed. This information was incorrect. I have retained possession of the original checks, which remain unendorsed and have never been deposited or negotiated. After I formally questioned this discrepancy, College Ave issued a revised audit. In the updated version, they stated that the checks were not cashed but instead voided and the amounts were applied to my loan balance. However, this revised explanation raises further concerns : My current loan balance does not reflect any clear or corresponding application of these funds. No detailed transaction history or accounting has been provided to show when or how these amounts were applied. The explanation changed only after I challenged the original audit, which undermines my confidence in the accuracy and reliability of their reporting. Timeline of Events : [ XX/XX/XXXX ] : I received a payment audit from College Ave stating that refund checks totaling approximately {$450.00} had been cashed. [ XX/XX/XXXX ] : I disputed this information and notified College Ave that I am in possession of some original checks, which remain unendorsed and have never been deposited or negotiated. [ XX/XX/XXXX ] : College Ave issued a revised audit stating that some checks were not cashed but instead were voided and the funds, totally in the amount of {$530.00} were applied to my loan balance on XX/XX/XXXX. [ XX/XX/XXXX ] : I requested clarification on why my loan balance remained the same after the second audit stated that the voided checks were applied to my loan. [ XX/XX/XXXX ] : I was told that " all payments were applied to the account correctly ''. College Ave also stated in their massage that interest continues to accrue and has been capitalized on my loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I am submitting a formal complaint regarding conflicting and potentially inaccurate reporting of my federal student loan account. Currently, I submitted a complaint which shows my credit report reflects my student loan under XXXX. However, I have received correspondence from Nelnet indicating that I owe a balance on what appears to be the same student loan. This discrepancy raises serious concerns regarding the accuracy of my credit file and the proper servicing of my loan. At this time, it is unclear which entity is the legitimate servicer of my loan, and whether duplicate or erroneous reporting is occurring. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and complete information on my credit report. Reporting the same or unclear debt across multiple servicers is misleading and may be negatively impacting my credit profile. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I was supposed to get a new member card offer of {$200.00} plus XXXX bonus miles with my new CITI Bank credit card.The purchase was made on XXXX XXXX ticket on XX/XX/year>. I had raised a complaint with Citi bank customer service on XX/XX/year> and also emailed the complaint at XXXX on the same day with regard to non receipt of the offer ( also emailed them the offer details. ) Till this day my complaint has not been resolved and I am yet to receive even a single email correspondence from them with regard to status of my complaint.I have called them twice including today, also spoke to a supervisor today and as per her they don't have an option to email me on the status of my complaint.I do not trust them anymore and need help with getting a resolution on this.

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