vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am filing this complaint against Bank of America regarding a significantly delayed and incorrectly calculated refund for my auto loan overpayment Timeline and Actions : Late XX/XX/year> : I made XXXX separate payments to pay off my auto loan : {$300.00} ( XX/XX/XXXX ), {$1800.00} ( Online Banking ), and {$2200.00} ( Cashier at a local branch ). Total payments made : {$4300.00}. XXXX XX/XX/year> : I received a letter ( dated approx. XXXX XXXX ) confirming the account was overpaid and stating a {$360.00} fee would be deducted. Based on the remaining loan balance and this fee, my calculated refund should have been approximately {$1100.00}. XX/XX/year> : After multiple inquiries, Bank of America representatives confirmed that a refund check of approximately {$1100.00} was processed and mailed on this date. XX/XX/XXXX XX/XX/XXXX : I contacted the bank several times because the check never arrived. Bank representatives provided inconsistent information during these calls, and I was told several times that the money was " pending '' or " sent. '' XX/XX/year> : I finally received a physical check, but the amount was only {$480.00}. The Dispute : Bank of America has failed to provide any itemized statement or explanation for why the refund amount dropped from the previously confirmed {$1100.00} to {$480.00}. My own payment receipts and bank statements prove a total overpayment that far exceeds the amount I received. Desired Resolution : I request that Bank of America provide a full itemized transaction history and an immediate correction of the underpayment. I demand the remaining balance of my overpayment ( approx. XXXX XXXXXXXX ) be issued via expedited mail with a tracking number. The banks lack of transparency and conflicting statements regarding my funds are unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
They cancelled my card without cause using made up reasons. My income last year temporarily tanked due to XXXX XXXX XXXX Nonetheless, I made all payments on time and over the minimum required due to my reserve emergency account. Additionally, I am back to full time work, my income will actually be higher this year and by the end of XXXX I will have already paid back {$10000.00} in credit card debt. They refused to reverse their decision which was arbitrary and capricious. Their actions also caused my credit score to get worse by increasing my ratio of debt to available credit. Two other cards did the same thing at the same time, causing a cascading lowering of my credit score even though I met all my obligations. I will be complaining about hem as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I went to the XXXX XXXXXX/XX/XXXX ATM on XX/XX/year> around XXXX. I deposited XXXX dollars in cash into the machine to start- and added an unknown amount after. I believed it to be XXXX dollars but I know for certain at least XXXX was deposited into the machine. My card stayed in the machine the entire time. After I deposited the cash- the machine shut off entirely and rebooted which took about XXXXXX/XX/XXXX or so to fully restart and I stayed parked at the machine with my card still inside to see if somehow my money would still deposit. The machine rebooted and then said it was Out of order and to call customer service. I received no receipt and no money dispensed from the machine. I checked my bank account and no money was deposited- and still has not been received to my account. So I took my card and left, and called customer service on the way home. Customer service filed helped me file a dispute against the atm. I then called the branch itself on XX/XX/XXXX to file a dispute directly. Both reports were denied within XXXX days claiming their investigation found that the atm shows no record of a deposit being accepted. I asked about if the machine could be balanced or if someone could check to see if there were extra funds in the machine that would match the amount I deposited- and nobody could give me a straight answer. There should be cameras to verify my being there, and a failsafe in the event a machine malfunctions and I believe there was no thorough investigation done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist closed both of my checking accounts while I am involved in a federal lawsuit against a school district concerning my wrongful termination. I was told that until I had direct deposit, I was not able to have a checking account. My unemployment check is directly deposited every week, but I have still only been left with a savings account to use. Over the past 7 months, I have been charged with XXXX withdrawal fees per banking policy, which is no longer federally mandated as of XXXX. I have spoken to several individuals in the bank, and no one is willing to refund the money, and I am not able to obtain my checking account back, but they will allow me to have a savings account that they can continuously penalize me for having or using. The banking policy is biased and no longer based on any federal policy, but are still taking advantage of its customers, most of whom are not aware that the policy is no longer mandated. Major banking corporations should be ashamed of themselves for being predatory and more conscerned about their bottom line than they are in providing a fair banking opportunity for customers to have the ability to make choices regarding their money invested in the company.

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 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate and repeated reporting of a XXXX collection account on my credit report. This account became delinquent around XXXX. Since that time, the debt has been sold to multiple collection agencies. Each time I dispute the account and it is removed, it later reappears under a different company. This behavior is misleading and harmful. It creates the appearance of a new or recent debt when it is not. I am concerned that this account is being improperly re-aged or repeatedly reinserted without proper certification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: NJ

Complaint narrative:
An {$800.00} dispute was submitted to Citi due to a canceled purchase that the vendor confirmed would be refunded. Despite this confirmation, the vendor has failed to provide a refund after an entire month. I submitted evidence to Citi, including vendor confirmation and receipts, but the dispute was decided in the vendor 's favor. When I contacted Citi, I mentioned that evidence had been provided and asked for confirmation of receipt. According to Citi, they never received it, despite multiple emails sent to their designated address with the case number in the subject line. I then asked the representative to verify if evidence had ever been received from me for any dispute, regardless of outcome. The representative confirmed that evidence had never been receivednot once. This reveals a disturbing pattern : either Citi 's dispute email address is not actively monitored or is not functioning properly. Worse yet, Citi appears to close cases without allowing proper information to be received. I've contacted the disputes department multiple times but have never received clear answers about processing times or proper procedures for reopening cases. Additionally, during my entire relationship with Citi, I've never been asked to provide additional information, suggesting that proper investigations are never conducted. I receive conflicting informationfrom " cases can not be reopened '' to " the case has been reopened ; feel free to send evidence '' to " the case will take XXXX weeks to reopen, and evidence can only be submitted when prompted. '' This indicates that Citi lacks a proper process for handling customer disputes and consistently sides with vendors when it offers the path of least resistance, even in cases involving fraud or incorrect charges like mine. I've escalated this matter to their XXXX relations team but have still not received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
Over the course of the last 5 months, Company : Credit Collection Services Account : {$540.00} Reported : XX/XX/year> I am filing this complaint after multiple disputes with this company regarding the above account. Despite sending multiple dispute letters, the company continues to respond with the same generic account summaries and has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). They have not provided competent evidence of the debt, only internal summaries, which do not constitute proper verification. In some cases, accounts have been improperly updated, reinserted, or marked inaccurately instead of being removed entirely. For accounts dismissed in court, the company continues to report them despite lack of evidence and legal standing. This is inaccurate, misleading, and a violation of federal law. I am requesting : Immediate and permanent deletion from all credit bureaus Proof of investigation and method of verification Confirmation that deletion has been submitted to all three credit bureaus Failure to comply demonstrates continued noncompliance with federal law. I expect resolution within the required CFPB response timeframe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: CA

Complaint narrative:
Subject : Failure to investigate merchant pricing deception and FCBA violation. I am a Citibank cardholder of over 30 years. On XX/XX/year>, I authorized a travel purchase through XXXX for {$200.00}. At the final " Pay '' click, the merchant technically manipulated the transaction to process for {$270.00} without my consent. I contested this charge within 24 hours. Citibank 's Dispute Team denied my dispute on XX/XX/year>, citing an incorrect " timeframe '' for the disputea clear clerical error and a violation of my rights under the Fair Credit Billing Act ( FCBA ). Since the dispute was initiated, the merchant has refunded {$63.00}, which they characterized as a " service addon. '' I never authorized any such addon ; the price simply jumped at the point of sale. This refund confirms a billing error occurred. However, because of the merchant 's deceptive pricing and the immediate need to secure reliable travel, I was forced to purchase replacement tickets through a third party ( XXXX XXXX for {$220.00}. Citibank is now refusing to reverse the remaining {$200.00}, effectively forcing me to pay for a " service '' that was rendered unusable by the merchant 's initial unauthorized price manipulation. I am requesting that the CFPB compel Citibank to perform a manual review of this case and reverse the remaining balance, as the merchant 's admitted " billing error '' ( the " addon '' ) reflects the deceptive nature of the entire transaction.

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 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
On XX/XX/XXXX I purchased XXXX money orders from Western Union at XXXX in XXXX, PA for {$1000.00} each with a {$1.00} fee for each. I wrote the money orders out to my husband so we could buy a car. He tried to cash them XXXX times at the same XXXX that we purchased them from and each time got declined so my only option was to borrow money from my sister and have the money orders refunded. Come to find out they charged me {$15.00} for each money order which I dont think I should have to pay since they wouldnt allow us to cash them. How else was I going to get my money?! I called several times to complain and they refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Ava Finance, Inc
State: GA

Complaint narrative:
I am filing a complaint against Ava Finance regarding an unauthorized charge on a closed account. I closed my Ava Finance account in XX/XX/XXXXXXXX and received my remaining balance at that time. The account was fully settled and has also been reported as closed on my credit report. Despite this, Ava Finance processed a charge of {$57.00} on XX/XX/XXXX. There has been no account activity, no usage, and the card associated with the account is not activated. This charge appears to be an automatic renewal of a subscription that should have been canceled when the account was closed. I contacted Ava Finance to request a refund. However, they have refused to process the refund unless I provide excessive identity verification, including a photo of my drivers license and a selfie holding my ID. I am not requesting access to the account or any sensitive changesonly a refund of an unauthorized charge. Additionally, Ava Finance has stated that they are unable to locate my account, despite having charged my bank account and previously reporting the account to a credit bureau. I am requesting : 1. A full refund of {$57.00} 2. Confirmation that my account remains closed with no active subscriptions or future billing 3. Assurance that no further charges will occur This situation reflects improper billing practices and unreasonable barriers to resolving a straightforward unauthorized charge. I have supporting documentation, including account closure confirmation, transaction records, and communication with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Tried to dispute XXXX and capital one on XXXX XXXX they didnt grant it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I booked a hotel reservation over the phone using a specific card, which the hotel has on a recorded line as the payment method for the room. That card was intended to be used for the actual stay. When I arrived at the hotel, I provided a different card ( Capital One ) only for incidentals. This card was not authorized to be used for the room charge. Despite this, the hotel charged my Capital One card for the full room amount instead of the original card used during booking. I disputed this with Capital One, explaining that : The room was booked with a different card The Capital One card was only provided for incidentals There should be a recorded phone call confirming the original payment method Capital One opened disputes but failed to properly investigate. They did not provide documentation showing authorization of the Capital One card for the room charge and did not address the discrepancy between the booking payment method and the card charged. As a result, my account remains negatively impacted, and I have been held responsible for a charge that was not authorized on that card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I was informed XXXX XXXX ( a person I do not know nor does any member of my family know ) used my card and picked up an item from Target. I reported as fraud. Target has not been helpful in the least. They transfer me from person to person and give me false information. Ultimately, since I reported this as fraud, I was informed to give it 90 days and fill out a questionairre. I did this on XX/XX/XXXX and returned it thru mail. Target denies receiving, so I redid it and faxed on XX/XX/XXXX. Target has since marked my account as delinquent and turned it over to the credit bureau and caused my credit score to go down approximately XXXX points. I asked repeatedly for them to freeze the account until this matter was resolved but I was denied. Target card services refusing to help me and continues to tell me it is under review while my credit score suffers. I have done all I have been asked to do. I have 37 years of perfect payment on my credit so this is devastating to me. I feel Target card services if unprofessional, uncaring, and basically under-trained and inept at their jobs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing a complaint against Midland Credit Management regarding a delayed refund that has not been issued within the stated timeframe. A refund was requested on XX/XX/year>. I was advised the process would take up to 20 days. One refund was issued, but a second refund remains pending. After multiple follow-ups, Midland representatives admitted that the refund was not processed correctly due to a system issue and required manual correction on XX/XX/year>. Despite this, the refund still has not been issued. I have been repeatedly told to wait with no confirmation of issuance date, amount, or delivery method. It has now exceeded the original timeframe, and the delay is due to internal error. I am requesting immediate issuance of the remaining refund and full documentation of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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:
Product : Credit Card Issue : Unable to add authorized user / account access Company : American Express I am submitting this complaint regarding American Express refusal to allow my partner and daughter to be added as an authorized user on an account that has been in excellent standing since XXXX. Approximately 15 years ago, she filed for bankruptcy. Since that time, she has rebuilt her credit responsibly and has not had any defaults or negative credit events. Her current credit profile reflects strong financial responsibility. As well we have partnered in a business and shown strong financials for over 7 years allowing us to purchase real estate and guide us in expansion. Our purpose in promoting this card and Having my daughter on the card is to open the use of this card up for additional company purchases. This is the reason that I got the American Express XXXX XXXX in the first place. Despite this, American Express is refusing to allow my daughter and partner to be added as an authorized user on my account. This is not an application for credit, and I would be financially responsible for the account. The primary account holder ( me ) is in excellent standing and intends to use this account for significant ongoing business expenses, estimated at XXXX XXXXXXXX per month. We have attempted to resolve this directly with American Express through multiple customer service channels. However, all responses have been scripted, and no representative has been willing or able to review this situation beyond a blanket denial. We are requesting a manual review of this decision by American Express underwriting or risk team. Given the length of time since the bankruptcy and the strong payment history since then, it is unreasonable to permanently deny even authorized user access without consideration of current creditworthiness. Additionally, if this matter can not be resolved, the primary account holder ( me ) is prepared to close the account and move substantial monthly business spend elsewhere. We are seeking a reasonable review and explanation of this decision, and a path forward if any exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: NJ

Complaint narrative:
This is a response from an initial complaint I sent to this debt collector : Plaza Services LLC, about a debt they purchased and of which they provided no documentation that proves they are owed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: LA

Complaint narrative:
I try to purchase my first car and got my credit report pulled and saw I had a student loan on it and I never finished high school. At time of the student loan I wasnt staying in Louisiana, I was living in XXXX, Texas. I dont know the address the scammer used, the cell phone number the person used for the loans Im trying to build my credit to get land and a house for my son. I just want this off my credit an I never even finished high school so how do I get a student loan. Someone used my information

Company response to consumer: Closed with explanation