vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 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: U.S. BANCORP
State: KY

Complaint narrative:
First, I contacted the company on XX/XX/XXXX due to an issue in which it would not allow me to redeem my credit card cash back rewards for the cash amount. Stating it would give me {$25.00} for every XXXX points. At this point it was about {$500.00} worth of points and now reaching {$750.00} worth of points. They attempted during the phone call to complete the request but it said I had the incorrect routing number. After speaking to a manager and confirming with my bank on the routing number with the account number, they told me they would need to contact their technical team to get it fixed and they would put it in manually. On XX/XX/XXXX of XXXX I received a letter stating they could not complete the request. On XX/XX/XXXX I spoke with them again on the phone going through similar processes as listed before stating I still was unable to receive my rewards. They told me they would do the same thing to get a solution from the issue. On XX/XX/XXXX, I called the company again and went through all the same processes as the first time with continued promises to fix my issue. On XX/XX/XXXX I received another letter stating they could not fix my request and they were researching the issue. They continued to try to get me to use other redemption options that offer far less dollar value than the option to get cash. On XX/XX/XXXX, I contacted the company again stating I still could not redeem my rewards and again went through similar processes as the first time contacting. They claimed they would ensure they manually pushed through the request so I would receive my rewards. After some time I had not received the rewards or any contact from the company. On XX/XX/XXXX, I reached back out to company again stating I was still having the same issue redeeming my rewards, they apologized and took me through similar processes as the first time. At the end of the conversation they stated the money should be deposited in a couple weeks and that they would ensure the request was completed. After some more time, I still had not recieved the money promised to me from the rewards. On XX/XX/XXXX, I received another letter stating that they could not process the request for the credit card points for cash and that they were once again researching the issue. This leads to now where I have XXXX credit card points worth {$750.00} that I can not access, in this reward option it states it must be the financial institution you got the card from to get the cash. As the information provided to them is from the bank I obtained the card from. So I continue to meet the requirements to cash in the rewards yet continue to be denied despite correct information and multiple attempts.

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: WA

Complaint narrative:
This complaint is about XXXX collection accounts reported by Jefferson Capital Systems for {$95.00} and {$130.00} that appear on my credit report. I believe this company did not properly follow the Fair Credit Reporting Act ( FCRA ) when reporting these debts. In XX/XX/year>, I noticed these XXXX collection accounts from Jefferson Capital Systems on my credit report. Because I did not recognize the accounts, I sent a written dispute and asked the company to verify the debts. I requested proof that the debts belong to me and documentation showing they have the legal right to collect them. Jefferson Capital Systems did not provide proper documentation showing that these debts belong to me. They also did not provide clear proof validating the amounts of {$95.00} and {$130.00}. Even after my dispute and request for verification, the accounts continued to be reported on my credit report. Under the Fair Credit Reporting Act, a company must conduct a reasonable investigation when a debt is disputed and must verify that the information they report is accurate. If they can not properly verify the debt, they are required to correct or remove the information. By continuing to report these accounts without providing proper verification or documentation, Jefferson Capital Systems may be violating the Fair Credit Reporting Act by reporting potentially inaccurate information and failing to properly investigate my dispute. Because these debts were not properly verified but are still being reported, this has negatively affected my credit report and financial standing. I am requesting that this issue be investigated and that Jefferson Capital Systems either provide proper documentation proving these debts are valid or remove the accounts from my credit report if they can not verify them as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased a silver coin and attempted to cancel the order within 24 hours. The seller denied cancellation, claiming they had shipped the coin on XXXX XXXXbefore I even purchased it. However, the actual shipment occurred after the cancellation was denied. I disputed this with Discover, but they sided with the merchant, despite the timeline inconsistencies. Im seeking fair resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
Sometime prior to XX/XX/XXXX, someone requested a debit card for my account and was able to gain access to it. This was an account that I thought I had closed several years ago but had sat dormant for years with an ~ {$950.00} balance. On XX/XX/XXXX, this person managed to change my PIN for my debit card. Per KeyBank, this is possible in person or via the telephone after providing PII including full legal name, address, DOB, SSN, etc. On XX/XX/XXXX and XX/XX/XXXX they made ATM withdrawals totaling {$940.00}, including from KeyBank owned ATMs. On XX/XX/XXXX they deposited a bad check for {$1600.00}, then withdrew money and made purchases totaling an additional {$100.00}. The check was charged back on XX/XX/XXXX, a legal copy was mailed to me with " Return Reason D Closed Account '' stamped on it. The withdrawals and check charge back pushed the account balance below {$0.00}. I did not take any action upon receipt of the returned charged back check because I thought that my account was closed and no action was required. KeyBank then closed the account for having a negative balance and sent a letter on XX/XX/XXXX stating I owed the negative balance. I was out of town and was not able to reach out to KeyBank 's fraud department until XXXX, when I filed a fraud claim for all the actions performed by the person ( XXXX ) who fraudulently used my account. KeyBank reviewed the claim and rejected it on XXXX. Upon returning home to XXXX from the holidays, I filed a police report ( Incident Number : XXXX ) and took all documentation to a KeyBank branch XXXX XXXX. I wrote and had notarized a sworn statement of the above information, and attached all this information to an appeal of the rejected fraud claims. KeyBank has again denied this appeal. KeyBank should have sufficient information to fully verify that my fraud claim is true and that none of the actions performed on the account were conducted by me. Such information should include surveillance of ATMs, voice recordings of any telephone calls related to a PIN change or bank surveillance of an in person PIN change, information as to who requested the new debit card and where it was delivered. I believe that : ( XXXX ) KeyBank has failed its custodial duty over my assets, ( XXXX ) KeyBank has insufficient fraud detection in place to exercise said custodial duty, ( XXXX ) KeyBank has insufficient controls in place for verifying a client 's identity for critical actions such as PIN changes, and ( XXXX ) KeyBank has not invested sufficient effort to validate my fraud claim and is instead denying it without fully investigating the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding the handling of a dispute by my bank, Chase, involving a {$10000.00} charge that was posted to my Chase business account under XXXX XXXX. Chase closed the dispute and ruled in favor of the merchant, XXXX, a company based in the XXXX, even though the merchant did not provide any services to me. During a vacation presentation, I was pressured into signing a contract without the terms and financial obligations being fully explained. After reviewing the situation more carefully, I submitted a request to cancel the contract within the required XXXX cancellation period. The merchant acknowledged my cancellation request and initially stated that only administrative fees and certain services would apply. However, those same services had originally been presented as complimentary. Only later did the company claim the services were complimentary only if I purchased the package. The merchant is now claiming an additional {$10000.00} charge that was never disclosed during the original cancellation discussion and was not mentioned at any point within the cancellation period. I disputed the charge with Chase, but despite multiple attempts to resolve this matter, Chase closed the dispute in favor of the merchant. I attempted to submit additional supporting documentation showing that I cancelled the contract within the allowed cancellation period, but Chase did not accept the additional documentation. Furthermore, Chase reached a decision on the case without notifying me, which prevented me from submitting further evidence to support my claim. I also have documentation showing that this company, operating out of the XXXX, targets American tourists on vacation and pressures them into signing contracts without full disclosure. Consumers are then faced with significant barriers when attempting to cancel the agreements, even when cancellation requests are submitted within the permitted time frame. I respectfully request that Chase conduct a full reinvestigation of this dispute, review the additional documentation I have available, and provide a clear explanation of how the dispute decision was reached without considering evidence showing that the contract was cancelled within the required cancellation period and that the additional charges were never disclosed. The case reference # XXXX. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: AL

Complaint narrative:
PLAZA SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research PLAZA SERV 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 XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I am filing a complaint regarding my mortgage servicer, PHH Mortgage, and the handling of our loan after it was transferred from the previous servicer. I am an active-duty service member, and we had previously filed for relief under the Servicemembers Civil Relief Act ( SCRA ) with our prior mortgage servicer. At the time the relief was granted, we were told we would have a three-month period where payments were suspended. In XXXX, our mortgage loan was transferred to PHH Mortgage in the middle of this relief period. We did not receive clear notice of the servicing transfer, and the SCRA agreement was not carried over to the new servicer. When we attempted to contact PHH in XXXX to resume making payments, we were told that we could not make a partial or minimum payment and would have to pay the full amount due immediately. At that time we were not financially able to do so. Since then, we have repeatedly attempted to work with PHH Mortgage to resolve the issue. We submitted mortgage assistance paperwork multiple times as requested. Each time we were told to wait 57 business days while our documents were reviewed. After waiting those periods, PHH repeatedly requested additional and repeat updated documentation and restarted the process. After several cycles of this, PHH informed us that they could no longer continue reviewing the mortgage assistance application because the foreclosure process was too far along. PHH Mortgage has now scheduled our home for foreclosure sale on XX/XX/XXXX and has stated that we must pay {$9700.00} to stop the foreclosure. We believe this situation resulted from servicing errors and the failure to honor SCRA protections that were in place with the prior servicer. We also believe the loss-mitigation process was mishandled and delayed in a way that prevented a fair review before foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: CA

Complaint narrative:
On XX/XX/XXXX, I made a purchase in XXXX for {$80.00}. The merchant altered the charge and processed {$510.00} without my authorization. I filed a fraud claim with Wells Fargo, and it was denied. I have called multiple times to file a billing dispute for an altered transaction amount, but Wells Fargo refused to open the dispute. They told me they " can not submit a dispute without a receipt, '' which I do not have. A receipt is not required under the Fair Credit Billing Act, and I asked Wells Fargo to provide their documentation, including the signed receipt or authorization showing I approved a {$510.00} charge. They have not provided it. Wells Fargo told me there is " nothing they can do '' and that I am responsible for paying the {$510.00} even though I only approved {$80.00}. I am requesting CFPB assistance to require the bank to properly investigate this altered transaction and provide the documentation supporting the merchant 's claim.

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 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
I am submitting this complaint regarding a debt collector who has been attempting to collect an alleged debt from me. According to the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to send a written notice of the debt within XXXX days of their initial communication with a consumer. In this case, I was contacted by the debt collector regarding the alleged debt, but I never received the required written notice in the mail within the timeframe required by the FDCPA. This notice should have included important information such as the amount of the debt, the name of the original creditor, and my rights to dispute the debt. Because the debt collector failed to provide the legally required notice, I believe this may constitute a violation of the FDCPA. I am requesting that this matter be investigated and that the collection account be removed from my credit report if it is found to be in violation of federal law. Thank you for your time and assistance in reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Bank Froze my account on XX/XX/XXXX And they wont unfreeze my account or provide a timeline on a resolution I also asked for bank statements to be emailed to me and they also havent done that

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 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, while physically present in XXXX, I used my Bank of America Visa credit card to make a real estate payment of AED XXXX to XXXX XXXX. The merchant processed the transaction using XXXX XXXX XXXX ( XXXX ) and applied a 7.49 % exchange rate margin, converting the transaction into USD and charging {$72000.00}. Because the AED is officially pegged to the USD ( XXXX USD = XXXX AED ), the true conversion amount should have been approximately {$67000.00}. The XXXX conversion resulted in an excessive overcharge of approximately {$5000.00}. Although the receipt states that a currency choice was offered, I was not provided a meaningful financial comparison or explanation of the 7.49 % margin impact. This was a high-value real estate transaction, and the material financial consequences were not properly disclosed. Bank of America processed this transaction without any fraud alert, review, or intervention despite the abnormal 7.49 % FX markup. I am requesting : 1. A formal investigation into this excessive DCC markup. 2. Reimbursement of the {$5000.00} excessive FX charge. 3. A review of Bank of Americas consumer protection controls regarding XXXX abuse on large international transactions. This transaction caused significant and avoidable financial harm.

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 2026-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I advised Concora XXXX XXXX XXXX ) that I am going through a financial hardship and requested a hardship program and they advised me they dont have any programs available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
My phone and wallet were stolen, and during that time unauthorized transactions totaling {$580.00} were made on my Cash App account. I did not authorize these charges. I reported the fraud immediately after recovering my phone and requested provisional credit while the investigation is ongoing. However, Cash App has not provided provisional credit for these unauthorized electronic transfers. Because this situation involves theft and the funds were needed for housing expenses, I am requesting urgent review and provisional credit while the investigation continues

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
In XXXX my life was turned into shambles. I started having very weird things occur on multiple electronic devices.I had accounts being ooened. Getting weird information when asking the companies for information such as different numbers not connected in any way to myself. Bring told I had done something I hadnt or spoke to places I hadnt. Opening accounts using programs or things I knew nothing about let alone doing. I began to realize slowlt that all my electronics had been hacked and in light of making tyings more confusing I had and stll have no control of my devices. I have been forced into a group of developers and hackers who are international. Since then I have had no control over most things in the digital world. I am simoky asking that you look hard and deeply into accts or anything that is submitted opened in my name. I had a freeze on my credit since XXXX and somehow have these debts in large amounts that are not mine. I am exhausted from this nightmare that seems to never get better no matter how much I try. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have a personal PayPal account that has never been operated as a business account. Beginning several weeks ago, PayPal placed a reserve on my account and began holding my funds. The funds being held are primarily personal transfers from friends and family and payroll payments from my employer, not business transactions. On XX/XX/year> between approximately XXXX PM and XXXX PM, a PayPal customer support representative informed me in writing through PayPal chat that the reserve on my account had been escalated to the back office and that the full reserve balance would be released within XXXX hours. I relied on that written statement. The funds were not released within XXXX hours. I continued contacting PayPal support multiple times through chat. I was later provided with referral ID XXXX and told that the issue had been escalated again and that I would receive a response within XXXX hours. The XXXX timeframe passed without any release of funds or meaningful resolution. As of XX/XX/year>, PayPal continues to hold approximately {$7900.00} of my money. Additionally, since PayPal first limited my account, the option for senders to send funds using Friends and Family has not been available. Senders can only select Goods and Services. This forces personal transfers to be treated as commercial payments and causes additional portions of incoming funds to continue being placed into the reserve. I have contacted PayPal repeatedly and attempted to resolve this issue directly through their support system. I have provided documentation explaining that the funds are personal and not related to a business account. Despite multiple assurances, escalations, and timelines provided by PayPal representatives, my funds remain inaccessible and the amount held continues to increase. I am requesting that PayPal review the reserve classification applied to my personal account and release the funds currently being withheld.

Company response to consumer: Closed with explanation