vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
b'Canceled subscription, no confirmation email, charge processed anyway, package hasnt left carrier facility, merchant wont intercept, bank wont dispute.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing this complaint against American Express National Bank regarding the predatory and administratively incompetent actions of their retained legal counsel, XXXX XXXXXXXX XXXX, under Case No. XXXX in XXXX XXXX, Florida. On XX/XX/year>, a Claim of Exemption was filed. Following this, on XX/XX/year>, American Express 's attorneys formally filed a " Notice of Withdrawal of Plaintiff 's Motion to Vacate Order of Dismissal of Writ of Garnishment. '' This meant the legal freeze on my bank funds was officially over and my funds were supposed to be released immediately. However, American Express 's law firm committed a massive service error. According to their own court Certificate of Service, they emailed the legal notice to an outside corporate defense firm inbox ( XXXX ) instead of delivering it directly to XXXX XXXX 's internal consumer retail levy department. As a direct result of American Express 's delivery failure, XXXX XXXX never received the official release in their retail system. My personal funds have now been wrongfully frozen for over 40 days, and XXXX XXXX has since administratively closed my checking account because the funds are trapped in limbo. When I contacted American Express directly to resolve their law firms administrative error, their customer service representatives completely refused to assist me or contact their legal counsel. They stated they were only concerned with collecting the debt and ignored the fact that their own agents have unlawfully locked me out of my money due to bad paperwork processing. I demand that American Express immediately order their retained counsel, XXXX XXXXXXXX XXXX to fax or securely upload the formal Notice of Withdrawal and the underlying Order of Dismissal directly to XXXX XXXX XXXX internal Retail Levy and Garnishment Department so my property can be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: EdFinancial Services
State: MD

Complaint narrative:
Im still being held accountable for a theft identity issue involving my name and credit with debt why is they still pulling my report I issue all documents this is not me I would like this company to be blocked if possible

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Paramount GR Holdings, LLC
State: OH

Complaint narrative:
GoodLeap has extremely predatory loan rates and sign up tactics when consumers are at risk and vulnerable. GoodLeap focuses on home improvement loans, in my case a loan for a new furnace ( as ours quit in XXXX degree weather with a premie newborn in the house and raising carbon monoxide levels ). The loan was the only option financially for us. Two years paying ( {$200.00} ) monthly on this loan and it hasnt even cut {$100.00} off the principal, thats insane. So, now I am dealt with paying off the total amount, with sunk payment of two years. Theyre doing this to people who need their houses fixed to live, prying on vulnerable people. Its just not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 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: IL

Complaint narrative:
I asked to stop paid for the purchase of a photo camera from XXXX. After the camera supposedly arrived at another location in XXXX. but in fact it was not there I went to check. I can not refund this amount. XXXX The last numbers : XXXX XXXX XXXX XXXX {$2.00} XXXX XX/XX/XXXX at XXXX AM

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 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was sent a XXXX balance for my services I did from working a gig

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am operating an XXXX business account and Capital One is my business banking provider. I am being charged double what XXXX should be charging and after over a week of investigating, Capital One accepted responsibility for coding the charge that remains pending for over a week incorrectly. This pending charge is duplicative and XXXX has no record of this charge. When I called Capital One I was informed that this case would take a month to resolve. Now I am over a XXXX XXXX negative in my account with no capital and no means of conducting business for one month. When I escalate things with capital one I am told that no more information can be provided to me and that my request to speak to someone will be added to the case. However, I can not speak to someone today and I will have to wait the 30 days for this to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I called Barclays to do a balance transfer and the money was put on the wrong credit card. I called within five days to find out why my credit card was not paid off and they kept telling me it was processed. I tried weekly for 3 weeks and finally they told me the funds went to the another credit card. I called XXXX XXXX and they informed me that Barclays only needed to call or resubmit the check but as of to date Barclays has not done anything. They said I may have to pay this off even though I notified them early enough to stop it. This was their fault putting on the wrong numbers.

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 2026-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: MA

Complaint narrative:
I have been employed full-time as a public school teacher since XXXX and have consistently made qualifying payments toward Public Service Loan Forgiveness ( PSLF ). As of today, my account reflects 117 confirmed qualifying PSLF payments. In XX/XX/XXXX, I submitted a formal request for reconsideration/buyback review so that previously non-counted months of qualifying public service employment could be evaluated toward PSLF eligibility. Based on my employment history and payment record, I believe I am eligible to reach the required 120 qualifying payments for forgiveness. Since submitting this request over seven months ago, I have received no meaningful update or determination on my case. I have contacted both XXXX and Federal Student Aid multiple times, including on XX/XX/XXXX. I have received conflicting guidance from these entities. XXXX advised me to change repayment plans, while Federal Student Aid advised me to wait and take no action. Meanwhile, my request remains unresolved. I have spent over a decade working in public service and complying with PSLF program requirements in good faith. I have submitted the required documentation, maintained qualifying employment, and made years of qualifying payments. I am requesting that my pending reconsideration/buyback request be reviewed promptly and that I receive a clear determination regarding my eligibility for PSLF forgiveness. The prolonged delay and lack of consistent guidance have created significant confusion and uncertainty at a point when I appear to be very close to forgiveness eligibility.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: GA

Complaint narrative:
USCB Corporation is reporting a collection account for XXXX XXXX in the amount of {$1900.00}. I dispute this debt in its entirety. I never attended, completed coursework, or received educational services from this institution beyond initial signup. I requested full validation of this debt, including proof of enrollment, signed agreement, and itemized charges, but the furnisher has not provided adequate documentation. I believe this account is being reported without proper verification and request investigation and removal if it can not be fully validated.

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 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: OK

Complaint narrative:
I had a cash app account. They closed back in XX/XX/year>. I have been trying to get my funds however they issued me a check finally like early XXXX. I have tried to cash it at multiple places. No one will cash it. Not even chase the issuing bank. I told cash app this. I also write for mobile deposit omit and tried it online banking. It got rejected. Now no one will cash the check at all because I wrote for mobile deposit on it. I just want my money. Can they not ach it or put it on another debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
Saw notice on credit report that Sequium Asset Solutions is trying to collect {$8700.00} on debt I did not generate. Date opened XX/XX/XXXX Balance Date XX/XX/XXXX Date reported XX/XX/XXXX Activity - XXXX XXXX XXXX Original Lender - XXXX XXXX XXXX Account type - Not reported Responsibility - Individual Account info - XXXX Age of account - 2 months as of XX/XX/XXXX Derogatory account status Credit Limit - Not reported Highest Balance - {$8700.00} Lender Info - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX My credit is frozen with XXXX, XXXX, and XXXX and has been since XXXX when first identity theft occurred. I did not create this account and it is fraudulent. I spoke with XXXX and they began a formal dispute and told me to contact CFPB as well. XXXX said the account was used to pay for rent or lease on a property that I do not own or am associated with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Modlin Slinsky, P.A.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX regarding the predatory and administratively incompetent actions of their retained legal counsel, Modlin Slinsky, P.A., under Case No. XXXX in XXXX XXXX, Florida. On XX/XX/year>, a Claim of Exemption was filed. Following this, on XX/XX/year>, XXXX XXXX 's attorneys formally filed a " Notice of Withdrawal of Plaintiff 's Motion to Vacate Order of Dismissal of Writ of Garnishment. '' This meant the legal freeze on my bank funds was officially over and my funds were supposed to be released immediately. However, XXXX XXXX 's law firm committed a massive service error. According to their own court Certificate of Service, they emailed the legal notice to an outside corporate defense firm inbox ( XXXX ) instead of delivering it directly to XXXX XXXX XXXX internal consumer retail levy department. As a direct result of XXXX XXXX 's delivery failure, XXXX XXXX never received the official release in their retail system. My personal funds have now been wrongfully frozen for over 40 days, and XXXX XXXX has since administratively closed my checking account because the funds are trapped in limbo. When I contacted XXXX XXXX directly to resolve their law firms administrative error, their customer service representatives completely refused to assist me or contact their legal counsel. They stated they were only concerned with collecting the debt and ignored the fact that their own agents have unlawfully locked me out of my money due to bad paperwork processing. I demand that XXXX XXXX immediately order their retained counsel, Modlin Slinsky, P.A., to fax or securely upload the formal Notice of Withdrawal and the underlying Order of Dismissal directly to XXXX XXXX XXXX internal Retail Levy and Garnishment Department so my property can be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I have an account with XXXX related to a home security financing agreement. My complaint is not about the account itself, but about repeated unwanted marketing emails. I have been receiving these marketing and promotional emails since at least XX/XX/2025, and I am aware that they began prior to that as well. Since that time, I have unsubscribed multiple times using the links provided in the emails and have also contacted XXXX through phone, chat, and email requesting that all marketing and promotional emails stop. Despite these repeated requests, the marketing emails continue. This indicates that my opt-out requests are not being properly honored across their systems. I want to be clear that I still want to receive necessary account-related communications, such as billing statements, payment notifications, and servicing alerts. However, I do not consent to receive any marketing or promotional emails. I am requesting that XXXX remove my email address from all marketing and promotional mailing lists and ensure that my communication preferences are properly applied and respected going forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
On or about XX/XX/2026, I received a collection letter regarding an alleged debt in the amount of {$360.00} connected to XXXX XXXX XXXX XXXX XXXX XXXX. The letter stated that I could dispute the debt by XX/XX/2026. After reviewing the communication, I identified concerns regarding the dispute deadline provided in the letter. The notice provided approximately 40 days from the date of the letter rather than a 30-day dispute period. The dispute deadline stated in the letter created confusion regarding my rights and the actions required of me. The communication also stated that the company would assume the debt was correct if it was not disputed within the stated timeframe. When combined with the dispute period provided in the letter, the overall communication created inconsistent information regarding dispute rights and obligations. On XX/XX/2026, I sent written correspondence by certified mail regarding the concerns identified in the collection letter. After receiving no response, I sent a second written communication on XX/XX/2026 as a follow-up regarding the same concerns. As of the date of this complaint, I have not received any response to either my initial communication or my second written attempt to address these concerns. I am requesting that this matter be reviewed and that the company address the concerns raised regarding the information contained in the collection letter and provide a response regarding the issues identified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My husbands debit card information was fraudulently used to purchase an airline ticket through XXXX XXXX in the amount of {$630.00}. We reported the unauthorized transaction immediately on XX/XX/year> while it was still pending on our Chase bank account. At that time, Chase issued provisional credit and sent a replacement debit card. However, within a few days, the provisional credit was reversed and the funds have still not been returned to us. We have contacted Chase numerous times regarding this matter and have essentially been told that they are not responsible. According to Chase, XXXX XXXX did not respond to their inquiry regarding the fraudulent transaction, and as a result, the case was closed without reimbursement. We also contacted XXXX XXXX directly. They confirmed that a ticket purchase was made on XX/XX/year>, but because the ticket was not issued in my husbands name, they could not provide any additional information. This has only further complicated the situation and added insult to injury. At this point, we are left without our funds despite promptly reporting the fraud and fully cooperating throughout the investigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I had a federal student loan with autopay set up that was being processed correctly through XX/XX/XXXX. Without any notice from the servicer, autopay stopped and I was not notified. I was not aware payments had stopped as I had never missed a payment in the history of this loan. I did not receive any communication no letters, no emails, no phone calls alerting me that my account was delinquent. I only discovered the delinquency recently when reviewing my credit report, which now shows XXXX consecutive missed payments and a XXXX days late status. I have attempted to contact the servicer twice to bring the account current and was placed on hold both times before the call was disconnected. No one called me back either time. My payment history shows perfect on-time payments from XXXX through XX/XX/XXXX. This delinquency is a direct result of the servicer 's failure to process autopay and failure to notify me of any issue. I am requesting that the missed payment notations be removed from my credit report and that the account be brought current retroactively.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
We are seeking an XXXX Pre-Foreclosure Sale ( PFS ) on our primary residence. Our listing agent submitted a valid short-sale contract in XX/XX/year>. On XX/XX/year>, XXXX negotiator, XXXX XXXX, stated in writing via XXXX that they could not approve a short sale with a net return to the investor below {$520000.00}. In complete good faith, we successfully negotiated with the buyer to increase their purchase contract to {$560000.00} on XX/XX/year>, to explicitly clear that baseline. Our agent uploaded the revised contract and the final settlement statement on XX/XX/year>. Despite completely satisfying the bank 's own financial requirements, Carrington has completely stalled the file. They have provided no timeline, no tracking updates, and internal negotiators are completely unresponsive to urgent communication logs. Meanwhile, Carrington continues to send us automated notices stating that our account is being penalized with an ongoing accrual of {$100.00} in daily interest due to a delay entirely manufactured by their own processing stagnation.

Company response to consumer: Closed with explanation