vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing a complaint regarding a {$29.00} return payment fee charged by American Express on my XXXX XXXX account, along with the continued restriction placed on my card afterward. On XX/XX/year>, I made three consecutive payments to my American Express account in the following amounts : {$110.00}, {$50.00}, {$120.00} The first two payments processed successfully from my primary XXXX XXXX XXXX account, which is the account I normally and consistently use for all payments. However, the third payment for {$120.00} was somehow drafted from a different bank account that I did not intend to use and do not normally use for American Express payments. That payment was later returned. As soon as I became aware of the issue, I immediately paid the {$120.00} balance in full using the correct XXXX XXXX XXXX account. American Express has now received the full payment owed. I contacted American Express and explained that the incorrect bank account should not have been used for the payment, I did not intentionally select or authorize that account for the transaction, This situation has never happened before, I immediately corrected the issue and paid the balance in full from the proper account. I also requested that the incorrect bank account be removed from my profile, which American Express has since done. Going forward, I now only have one payment account attached to avoid future issues. Despite the account being brought current and paid in full, American Express has Refused to remove or credit the {$29.00} return payment fee, and Continued restricting my card usage even after the balance issue was resolved. I believe this is unfair considering The payment issue was corrected immediately, American Express has received the full payment owed, The incorrect bank account has now been removed, and I have explained that this was not an intentional missed payment or repeated behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: TX

Complaint narrative:
I am writing to formally express my hardship situation regarding my two EdFinancial accounts, account number XXXX with a balance of {$1900.00} and account number XXXX with a balance of {$3300.00}. I am a XXXX mother who is currently out of work and I am facing extreme financial hardship that has made it impossible for me to make payments on either of these accounts at this time. As a XXXX mother, I am solely responsible for the financial wellbeing of my household and my children. Losing my income has put me in an incredibly difficult position where I am barely able to cover basic necessities such as housing, food, and childcare. I am not in a position to make any payments toward these accounts while I am in this situation. I am humbly requesting that EdFinancial Services consider removing both of these accounts from my credit report during this time of hardship and that both accounts be deferred until I am back on my feet financially. I believe that with some time and stability I will be able to get back on track, but right now I am simply doing the best I can for my family with very limited resources. I am asking for compassion and understanding during this incredibly difficult time in my life. I never intended to fall behind and I take full responsibility, however the circumstances I am facing are beyond my control. I am exercising my rights under the Higher Education Act, 20 U.S.C. 1071 et seq., which provides provisions for economic hardship deferment for borrowers experiencing financial difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BTH Management
State: AK

Complaint narrative:
See complaints XXXX and XXXX. In a previous complaint, Plaza Services stated that it does not send letters or communicate directly with consumers, and resolution of this account is managed by its servicing agency XXXX XXXX. A separate complaint was then filed against XXXX XXXX for failure to meet federal guidelines on communication of debt. XXXX XXXX responded that Plaza Services retracted this account on XX/XX/XXXX, and that it no longer services this account. Complaint XXXX was filed against Plaza Services on XX/XX/XXXX. Complaint XXXX was filed against XXXX Services on XX/XX/XXXX. XXXX XXXX claims this account was retracted on XX/XX/XXXX. Plaza Services acknowledges that federal law mandates compliance if a consumer requires communication in writing. However, it also claims it does not send letters or communication directly to consumers. It uses a servicing agency to evade federal law, and combined with its policy of deflecting to another party to avoid accountability, it effectively limits the consumer to one method of communication, a phone call, whereby it can coerce verbal agreements without generating written evidence that a consumer can reference in a dispute. This effectively shields them from any accountability or responsibility. Ostensibly, this skirts the boundaries of the law, but in reality it is illegal. But for the statement from XXXX XXXX that this account was retracted on XX/XX/XXXX, contradicting Plaza Services 's claim on XX/XX/XXXX, this structure would not be revealed. This is a gross violation of federal law, and Plaza Services must be held fully accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: Chime Financial Inc
State: TN

Complaint narrative:
XXXX dollars was took out my chime account from a merchant by the name oz zip, zip sent over an email saying I dont have an account with them and it was fraudulent activity, I attached it to my chime dispute which still got denied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: IL

Complaint narrative:
I received a call from a number which is XXXX stating to be from National Service Bureau. About a car accident that occurred on XXXX XXXX I suppose to have had. And I owe a debt for XXXX dollars. However, I was never in a car accident on XXXX XXXX XXXX. I also got a call from the same company from a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
In XXXX, I purchased items financed through an XXXX XXXX Credit Card issued by Synchrony Bank. The base pricing of the sale was heavily misrepresented to me by the merchant at the time of purchase. Because the wrong base amount was financed, the subsequent 12-month deferred interest calculation that applied in XXXX was inherently flawed and predatory. On XX/XX/XXXX, an authorized XXXX XXXX corporate customer service representative reviewed my file and explicitly admitted in writing to a 'misrepresentation of the sale ' ( see attached screenshot evidence ). Because the merchant has formally acknowledged the fraud/pricing misrepresentation, the age of the account does not absolve the bank from liability. I am requesting a retroactive correction of the base principal balance and a total wipeout of all predatory deferred interest charges stemming from this misrepresented 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 2026-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I paid * * {$590.00} via XXXX * * to * * XXXX XXXXXXXX XXXX * * ( business name * * XXXX * *, XXXX * * XXXX XXXX * *, website * * XXXX * * ) for custom wigs that were * * never delivered to my address * *. I filed a chargeback dispute with Discover. Initially ruled in my favor, but later reversed the decision after the seller submitted a Chargeback Response Form containing the USPS tracking number * * XXXX XXXX * *. Discover accepted this tracking number as proof of delivery, claiming it showed delivery to * * XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX * *. However, when entering this tracking number into the USPS tracking system, it shows the package was actually delivered to * * XXXX, Texas * *, * * not * * XXXX XXXX, and * * not * * to my address. I called and relayed this to Discover on XXXX. Despite this, Discover accepted the sellers fraudulent tracking number * * without verifying the delivery address * *. The following reports and cases have been filed regarding this seller : - * * Discover Case ID : * * XXXX - * * XXXX Case ID : * * XXXX - * * FBI XXXX Complaint : * * XXXX - * * FTC Report : * * XXXX - * * Civil Case : * * XXXX ( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: MD

Complaint narrative:
Netspend is currently withholding my remaining account balance following an account closure that occurred last year. I recently completed their mandatory identity verification process using my official State ID, and Netspend approved my identity.Netspend Customer Service explicitly stated that my final refund check was mailed and guaranteed it would arrive by the XXXX business day mark. Today is business day XXXX, and no check has arrived. Netspend has refused my requests to send these funds electronically via ACH to my standard bank account, stating a physical check is the only option.Because Netspend has missed their own mandatory distribution timeline and is holding my funds, I am filing this complaint to force an immediate, fee-free stop-payment and a rapid reissue of my funds via trackable mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I purchased concert tickets through XXXX using Affirm financing. The event was originally rescheduled and later postponed indefinitely. Because the event continued to be delayed, the service purchased was never fulfilled. I contacted XXXX requesting a refund after the event became indefinitely postponed, but XXXX refused to issue a refund. When I then attempted to dispute the transaction through Affirm, I was informed the 120-day dispute window had expired. However, the final non-fulfillment of the event occurred after that period due to the indefinite postponement. I am requesting review of this transaction as services not rendered and asking for appropriate refund consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have been a valued Capital One customer back & forth for many years. I lost my job a couple years ago resulting in a Charge Off. I like Capital One because they have been very forgiving. On XX/XX/XXXX I got approved for a Savor Card XXXX. I been very consistent with Paying the Card on time & other debts resulting in my Credit going up. On XX/XX/XXXX I did a Preapproval resulting in an Approved App for a Venture Card XXXX including with a Sign On Bonus. I was very happy about this because this was my main goal. On XX/XX/XXXX literally 2 Days after the Approval I got a Email that both accounts were restricted so I called the # & I spoke with a Rep that said they needed to verify some Information & he sent me a link to upload some ID Documents. It was successful & he said both accounts should be unrestricted now. When I logged on later that day my Savor Card was still unrestricted so I called again they told me to upload my ID & some Bank Documents & so I did as I was told. On XX/XX/XXXX I spoke with a Fraud Rep calling from XXXX & she stated I had to resubmit the full page of the bank Statement & the Front & Bank of my Id & they needed to speak with my bank with me on the phone & someone will call me back within 24 hours. So today I wake up to a email that the account is closed after I submitted. I am very unsatisfied on how Capital One is treating me. I need some type of resolution. A good resolution with be 1 ) Verify the documents & reopen the account 2 ) If not I would like to be compensated if the account cant be reopen and the inquiry from that application to be removed. Additionally, I need a resolution fixed on why my XXXX XXXX wont work anymore since rebecoming a Capital One Customer. Im a XXXX XXXX XXXX XXXX XXXX & Im trying to better myself to purchase a house for my kids this year & all of this is delaying the process. Now today XX/XX/XXXX I get a Email Notification that my new XXXX XXXX XXXX is being closed for unusual activity that Im using it too much. I called immediately & requested a Supervisor who transferred me to a Specialist who stated the reason was being investigated. I thought that was the point of gaining my Sign on Bonus of XXXX XXXX If I spend {$4000.00} in 90 Days. This is unacceptable how you have treated me as a Customer since my 1st relationship with Capital One started in 2010 I have never had this many issues. A resolution for my Venture Card would be to reopen the original XXXX XXXX Just give me the bonus miles as well or extend the period I need to spend since you closed my account after I submitted the necessary Identity verification documents. FYI this is the 2nd Email I sent with no response. I sent another email on XX/XX/XXXX with no communication. If this isnt resolved in a timely manner I will be forced to consider legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: GA

Complaint narrative:
Accounts are being reported to my credit file that were opened or shared without my consent. These items were not authorized and are harming my credit and identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: World Omni Financial Corp.
State: AL

Complaint narrative:
Good evening. My vehicle was repossessed this morning. I have not received any notice at all that this was going to happen. When I called XXXX XXXX XXXX, I was informed that I was 98 days past due. I explained that they had made it impossible for me to make my payments in a timely manner ; they changed my payment options in the middle of the loan... they will not take debit or credit cards on their website ( the method I used to make payments before ) and only accept bank information... but the website would not accept my bank information ( I bank online with Chime ). I also do not have checks for this account. No one ever communicated that the payment could be made over the phone with a processing fee. I am a XXXX XXXX XXXX XXXX XXXX XXXX and rely on my vehicle to get to doctors appointments. Had the company clearly communicated the payment options things would not have escalated this way. I feel they were intentionally deceptive and misleading. When I asked about retrieving my car I was told I had to pay off the entire balance... not willing to provide any resolution at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: TX

Complaint narrative:
On or around XX/XX/year>, I used Klarna to finance XXXX XXXX flight tickets totaling approximately {$450.00}. After the purchase, the original flight/service ( confirmation XXXX ) was canceled and not provided. XXXX XXXX offered to rebook me onto another flight, so I accepted a replacement booking ( confirmation XXXX ). That replacement flight was also canceled. No travel service was ever provided. I requested a refund from XXXX XXXX because confirmations for both flights had been issued, yet neither flight was ultimately provided. I also contacted Klarna to dispute the charges and requested information regarding refund eligibility, dispute options, and why I was still required to continue making payments for canceled airline services that were never received. Klarna denied assistance and continues to require payment on the installment loan despite the travel services not being provided. I have already paid approximately {$190.00} toward this purchase and still have a remaining balance of approximately {$300.00}. I do not believe I should be responsible for continuing payments on services that were canceled and never provided. I am requesting review of Klarnas handling of this dispute and assistance resolving the remaining balance related to services not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX, I requested Consumer Visa Account Updater opt-out for ALL cards on my profile via Bank of America secure live chat, citing Visa Rule 5.8.12.3. After verifying my account with last four of card ending XXXX, the agent refused to process the opt-out via chat. Agents final message : " Ill need to refer you to our Contact Center for this request type. They are available at XXXX, 24 hours, 7 days a week. They would be more than happy to assist you. Please note that tapping on call now will end our conversation. Visa Rule 5.8.12.3 states issuers must allow Cardholders to opt out. It does not permit " phone-only '' restrictions. Bank of America 's refusal to process XXXX opt-out via secure chat enables ongoing fraud by merchant RizzUp.Net, which uses XXXX to rebill my card after disputes are won. This is for CFPB case XXXX. Screenshot of BoA 's written refusal attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Research Inc
State: GA

Complaint narrative:
Central Research inc This is showing is 90 days late on my credit report. I need this removed immediately .. its for the amount of {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau Re : Complaint Against Nationwide Capital Services To Whom It May Concern : On XXXX XXXX XXXX I mailed a debt validation request to Nationwide Capital Services by USPS Certified Mail regarding an alleged debt they are attempting to collect. USPS Certified Mail tracking number XXXX confirms that Nationwide Capital Services received my letter on XXXX XXXX XXXX XXXX XXXX XXXX at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX In my letter, I requested : Proof of the original creditor A signed agreement A full accounting of the debt Proof that Nationwide Capital Services is authorized to collect I also requested that all collection activity and credit reporting cease until the debt is properly validated under the Fair Debt Collection Practices Act ( FDCPA ). As of today, Nationwide Capital Services has received my written dispute and validation request. I request that the company provide complete validation of the alleged debt and cease all collection activity until that validation is provided. If they can not validate the debt, I request that any related information be removed from all credit reporting agencies. Attached are copies of : My debt validation request USPS Certified Mail receipt USPS delivery confirmation Any related correspondence I request that the Consumer Financial Protection Bureau require Nationwide Capital Services to comply with federal law and provide the requested validation. Sincerely, XXXX XXXX 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 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV Funding LLC is a 3rd party collections company that has no authority to collect any debt from me. This company has harassed me and put amount on my credit report for collections that I dont owe. This company has ruined all 3 credit reports agencies score by XXXX to XXXX points. What this company is doing to me is against the CRFA and can be liable to pay me {$1000.00} per unauthorized collection and reporting. I want this company to seize all communications and remove this off all 3 credit agencies reports immediately or Ill file action accordingly per the CRFA.

Company response to consumer: Closed with non-monetary relief