vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am disputing three unauthorized transactions on a joint Bank of America checking account held by my husband and me, totaling {$2000.00}, which occurred between XX/XX/XXXX and XX/XX/XXXX. 

The unauthorized transactions are as follows : A {$600.00} cash withdrawal on XX/XX/XXXX from the XXXX XXXX, Florida branch A {$500.00} cash withdrawal on XX/XX/XXXX from the XXXX, Florida branch A fraudulent check transaction in the amount of {$970.00} ( Bank of America did not provide the branch location ) According to Bank of America, the fraudulent check for {$970.00} was made payable to my husband and was cashed in person on XX/XX/XXXX. The check was never deposited into our account and did not appear on our account at any time. We were not aware of the checks existence until it was reported as fraud by the check maker. Bank of America subsequently debited our account for the check amount on XX/XX/XXXX. 

Neither my husband nor I authorized, initiated, or benefited from any of these transactions. Neither of us appeared at any Bank of America branch on the dates in question, and we did not authorize any individual to withdraw cash or negotiate a check on our behalf. 

After reporting the initial fraud, on XX/XX/XXXX, I followed Bank of Americas instructions to open a new account and place the original account on credit-only status. Despite this, on XX/XX/XXXX, an unauthorized cash withdrawal was made from the newly opened account. 

On XX/XX/XXXX, I was notified by a Bank of America representative via phone call that my fraud claim had been denied. During that call, I requested that the claim be reopened for further review. 

Police reports were filed for all three fraud transactions. Despite reporting the fraud promptly, following the banks instructions, and requesting reconsideration, Bank of America has refused to reimburse the unauthorized transactions and has not provided evidence that either account holder authorized the transactions or that a reasonable investigation was conducted. 

I am requesting a proper review of my claim and reimbursement in accordance with federal consumer protection laws, including the Electronic Fund Transfer Act and Regulation E.

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
BMO Harris bank has on numerous occasions delayed in processing actual online banking checks both for my personal and business accounts. 
XXXX XXXXCheck amount {$3800.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: PA

Complaint narrative:
I started looking for apartments this year and got denied due to an unknown collection on my report that was recently added. I tried to get more information on this collection and havent heard back. This account is still being reported on my credit report, which I believe is inaccurate and misleading, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: CA

Complaint narrative:
I am submitting this complaint because my federal student loan servicer, Nelnet, is billing me, increasing my monthly payment, and threatening default on loans that have been approved for discharge by the U.S. Department of Education. 

On XX/XX/year>, I received written confirmation from the U.S. Department of Education approving my Borrower Defense Group Discharge related to XXXX XXXX XXXX XXXX My discharge case number is XXXX. 

The Department of Education determined that these loans are not legally enforceable, that I am no longer obligated to repay them, and that the full remaining balance of eligible loans will be discharged. The Department also instructed that the loans must remain in forbearance or stopped collections and that any attempt to collect or enforce repayment is without legal basis. 

Despite this final determination, Nelnet placed my loans into repayment, increased my monthly payment, and stated that if I do not continue making payments my account will go into default. They also continue to display an outstanding balance instead of a {$0.00} balance. 

I have called Nelnet numerous times regarding this issue. Each time, they have only told me to upload the discharge letter, which I have done multiple times through their online portal, and to continue making monthly payments, even though the loans are legally discharged. This has not resolved the issue. 

I also contacted XXXX XXXX XXXX regarding this issue and was advised to submit an online complaint. However, the XXXX XXXX XXXX online feedback/complaint website was not functioning at the time, leaving me unable to resolve this issue through that channel.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RentDebt Automated Collections, LLC
State: IL

Complaint narrative:
Repeated calls about debt collection for Someone named XXXX XXXX I do not owe any debt, that is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Unusual overlimit circumstance under 90 days XXXX of XXXX. Logged in was offered an credit and arrangement on screen. Paid as suggested. A few days later account went dark. When I reached out giving time for payment to post. I was simply told account limit is not there, account was closed. I went to work with no time for more discussion. 
Today XXXX XXXXI logged in saw a credit is listed, spoke within Chat communication invidivual could not answer my questions, tried to thrust me into the refund process which I did not request and at the conclusion of the chat I was ejected from my account page.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Our loan was closed out on the close date of our house, XX/XX/year>. On XX/XX/XXXX, we had still not received our escrow balance ( over {$7000.00} ) so I called Mr. Cooper ( loan servicer ) to ask about this balance. I noted that by law, this must be paid out within 30 days. They stated that a check was mailed on XX/XX/XXXX so to allow up to 30 days from the mail date. On XX/XX/XXXX, I called back as I still had not received the check. They said to allow until after the holidays. On XX/XX/XXXX, I called back to Mr. Cooper, as I still had not received my check. They reissued checks- and said they would mail them. They refused to provide a confirmation number, or tracking number. As of today, XX/XX/XXXX, I still have not received the check. I called back to them today, and they told me I need to wait an additional 30 days to request a new check to be sent. I asked to speak to a manager, in which they told me none are available but I can receive a call within 48 hours.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
XXXX XXXX XXXX is contacting me at my place of employment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I canceled my service with XXXX before I had a bill due. Also the representative at XXXX added things on my service that I did not ask for. When I told him this he did not remove this and that is why I canceled the service. I also ask for a refund and it was not returned.

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
Summon A * R, inc charges me XXXX I dont know why? I remember renting a car from XXXX rental car got in a accident but I wasnt at fault I can get the police report and report from XXXX and the rental had full coverage, I disputed they would not take it off please do an investigation about this because its really stressful can get a home SUMMIT A R XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: AZ

Complaint narrative:
I am a Capital One XXXX XXXX  cardholder. I rented a vehicle in the XXXX XXXX using my Capital One XXXX  card and incurred a total deductible charge of XXXX due to vehicle damage for which I was not at fault. 

Capital Ones benefits administrator reimbursed the vehicle damage portion ( XXXX ) but refused to reimburse the remaining Loss of Use ( XXXX ), stating that reimbursement requires submission of a fleet utilization log from the rental company. 

This requirement is unreasonable and impractical in the context of XXXX vehicle rentals. The rental company does not provide fleet utilization logs and confirmed that such internal operational documents are not released to customers. I provided the rental agreement and a detailed loss-of-use invoice documenting the period the vehicle was unavailable for rental, which is standard documentation in the XXXX. 

By imposing a documentation requirement that is effectively unobtainable for international rentals and refusing to accept equivalent documentation, Capital One has rendered the Loss of Use coverage illusory and failed to administer the benefit in good faith. 

I have already filed a formal Notice of Dispute with Capital One regarding this matter. I am requesting that Capital One reimburse the outstanding Loss of Use charge of XXXX in accordance with the XXXX Guide to Benefits and provide written confirmation of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
On or about XX/XX/XXXX, I purchased custom wheels from XXXX XXXX in Illinois. At the time of purchase, XXXX XXXX advertised and promoted ACIMA Credit , LLC as a XXXX interest-free financing option. I paid {$1500.00} in cash on XX/XX/XXXX and was told the remaining balance of approximately {$1500.00} would be financed. 

During the ACIMA enrollment process on XX/XX/XXXX, the transaction screen showed a Maximum Cost to Own of {$3500.00} and a XXXX term. Before signing, I questioned both figures. The salesperson told me that the {$3500.00} was the total cost of the wheels and did not include my {$1500.00} cash payment, and that the XXXX term was simply how ACIMA structures financing and that it was interest-free for the first 90 days. 

Based on those explanations, I believed I was entering into a XXXX financing arrangement for only the remaining balance. I was not informed that this was a lease-to-own agreement or that failure to buy out within 90 days would result in significantly higher costs. 

On XX/XX/XXXX, I learned for the first time that the transaction was actually a lease and that I now owed approximately {$2000.00} more. 

On XX/XX/XXXX, I contacted both ACIMA and XXXX XXXX to resolve the issue and was told that XXXX XXXX could not help because ACIMA is a third party. 

To prevent the balance from continuing to increase, I paid {$1500.00} on XX/XX/XXXX under protest. 

On or about XXXX, XXXX XXXX, I sent a formal written dispute and refund demand to both ACIMA Credit , LLC and XXXX XXXX via XXXX mail and email, documenting the misrepresentations, overpayment, and my request for a refund. 

Total paid to date : {$1500.00} to XXXX XXXX ( paid on XX/XX/XXXX ) {$2900.00} to ACIMA Credit , LLC ( paid between XX/XX/XXXX and XX/XX/XXXX ) Total : {$4400.00} The represented purchase price was {$3000.00}. I therefore overpaid by {$1400.00}. 

I am disputing this transaction due to misleading advertising, false explanations at XXXX XXXX of sale, and failure to clearly disclose the true lease nature and cost. I am requesting a refund of the {$1400.00} overpayment and confirmation the account is closed with XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My father passed away in XXXX of XXXX. XXXX filed a claim against his estate in Probate Court. I paid the balance in full in XXXX of XXXX  and requested a RELEASE of CLAIM and a XXXX Balance statement. I have received NEITHER. I called again throughout XXXX, XXXX, XXXX, and XXXX. I was told in XXXX to submit a REQUEST for a release of claim via fax to XXXX. I told them other credit card companies proactively sent the release of claim and I did not know how to create the form for them. They insisted I MUST send them the request + a form releasing the claim in order to receive it. I complied. I was promised a 48 hour turnaround time. I have heard nothing back. I called again today ( XX/XX/XXXX ) and was told they show no fax received even though on my side it was confirmed as sent. They said I have to resubmit my fax and try again and wait again. I said this is absurd and a huge waste of time. The claim has been paid to {$0.00} balance since XXXX of XXXX  and they have still refused to release the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
I am the account holder for an XXXX  XXXX store credit card. My account was restricted at the I. Attempt to update my phone number and email. Because my previous contact information was compromised. The company instructed me to submit identity verification documents. I complied and faxed the following documents twice, once on XX/XX/XXXX and again on XX/XX/XXXX front and back government-issue ID, front and back of my Social security card, and my utility bill for proof of address. Despite providing everything requested, i have contact customer service. Many times and spoke to representatives and managers. But I continued to receive conflicting information. XXXX XXXX recently told me my account is restricted but refuted to explain to me why. I am being prevent it from updated my contact information and managing my account. I am also not being given clear consistent way to resolve this issue. I am requesting that the company properly reviewed the documents I already submitted and moved the restriction. If my identity is verified, allow me to update my contact information. And i'm provide clear writing confirmation.

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 2026-01-27 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: GA

Complaint narrative:
I purchased XXXX XXXX carbon bucket seats from XXXX XXXX of XXXX XXXX on XX/XX/XXXXXXXX  for {$6100.00} using my Citi credit card. The merchant, XXXX XXXX of XXXX XXXX, promised delivery by XX/XX/XXXX, later extended to XX/XX/XXXX, due to various excuses. I repeatedly followed up regarding shipping, tracking information, and additional pictures of the seats, which I requested on XX/XX/XXXX, and every day after that. On XX/XX/XXXX, I informed the merchant that if the seats could not be shipped with tracking by the end of the day, I would require a full refund. 

The merchant never shipped the seats. On XX/XX/XXXX, the merchant provided a screenshot claiming a refund had been issued, but the refund was never completed. XXXX  later confirmed that no refund was processed and initiated an internal investigation against the merchant. Because the merchant pretended to issue a refund and failed to provide the merchandise, I filed a dispute with CitiBank. 

I submitted the dispute on XX/XX/XXXXXXXX  and provided all requested evidence on XX/XX/XXXX, including emails, screenshots, and the Bill of Sale, as well as confirmation from XXXX that the refund was never fully completed. Despite this, on XX/XX/XXXX, Citi informed me that the investigation was ruled in favor of the merchant because the merchant claimed I made the purchase, even though I informed Citi that the merchant never delivered the goods. Additionally, CitiBank informed me that the merchant did not provide proof of shipment, proof of tracking, nor did they provide proof of a completed refund. A dispute agent from Citi said that they will consider re-opening the dispute due to no proof of shipment and no proof of tracking, but that it will take 7-10 business days for this re-consideration. 

I am seeking assistance from the CFPB because CitiBank has denied my valid dispute even though the merchant, XXXX XXXX, never shipped the seats, falsely claimed a refund, and I provided substantial evidence of these facts.

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 2026-01-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I submitted a claim for XXXX XXXX XXXX through my Chase Freedom XXXX credit card ( ending in XXXX ). The incident occurred on XX/XX/year>, when I rented a car from XXXX. I paid for the rental using XXXX XXXX, linked to the same Chase card. Despite providing bank statements that clearly show the payment was made using the Chase account, my claim was denied due to the card number not matching, as XXXX XXXX uses a virtual card number. 

The claim was marked as " Closed - Ineligible '' on XX/XX/year>, without a clear explanation. When I contacted Chase Benefit Services for assistance, they were unable to help me resolve the issue or provide further clarification. 

I have provided all the necessary documentation, including my Chase statement and transaction details. Despite this, the claim was still denied. This has caused undue financial stress, including the involvement of collections, and I am seeking a review and approval of the claim. I would a

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
From XX/XX/XXXXXXXX  through XX/XX/XXXX, XXXX charged my Chase credit card {$25.00} monthly for 14 months, totaling {$350.00}. During this entire 14-month period, XXXX sent me ZERO email notifications, payment confirmations, or receipts for any charges. 
I only discovered these charges when reviewing my account in XX/XX/XXXX. I had no way of knowing they were occurring because : I received no receipts or notifications I was not actively using the service The merchant deliberately does not notify customers of monthly billing I immediately contacted XXXX twice to request a refund : First attempt : Escalated to manager who refused Second attempt : Formal written denial citing their refund policy XXXX confirmed in writing that they do not send notifications for monthly subscriptions. This deceptive practice is documented in multiple XXXX XXXX XXXX complaints. 
I then disputed the charges with Chase. On XX/XX/XXXX, Chase approved a dispute for only 4 months ( {$100.00} ), stating they can only dispute charges within 118 days per XXXX regulations. 
However, I believe Chase incorrectly applied XXXX 's dispute rules. XXXX 's chargeback regulations for recurring transactions state that the dispute window begins from when the cardholder " became aware '' or " should have reasonably become aware '' of the unauthorized charges. 
I could not have reasonably become aware of these charges earlier than XX/XX/XXXXXXXX  because the merchant systematically failed to send any notifications. This is not a case where I ignored warnings or missed emails- the merchant admits they send NO notifications for monthly billing. 
Chase should have applied XXXX 's " became aware '' exception given that : Zero email notifications were sent over 14 months The merchant admits this is their standard policy This prevented reasonable discovery of the charges The merchant engaged in deceptive billing practices By strictly applying the 118-day limit without considering the " became aware '' provision, Chase failed to protect me from a merchant that deliberately conceals recurring charges from customers. 
I am requesting that Chase : Re-review this dispute considering XXXX 's " became aware '' provision Approve a chargeback for all XXXX  months ( {$350.00} ) or at minimum the remaining XXXX months ( {$250.00} ) Recognize that merchant deception prevented earlier discovery The merchant 's systematic failure to notify customers should qualify this case for an exception to standard dispute timelines.

Company response to consumer: Closed with explanation