vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am disputing a bait-and-switch reward denial by XXXX XXXX XXXX regarding a XXXX Cruises booking that concluded on XX/XX/XXXX. I activated a targeted 30 % cash-back offer and spent {$4400.00}. After removing non-eligible taxes ( {$380.00} ), insurance ( {$290.00} ), and gratuities ( {$250.00} ), my net eligible base fare is exactly {$3500.00}. At 30 %, my total earned reward is {$1000.00}. When I requested my payout, Capital One customer service sent a boilerplate automated refusal and applied a partial " {$250.00} courtesy credit, ' leaving an unpaid balance of {$800.00}. I have full screenshots proving the 30 % offer activation, the initial itemized cruise invoice, and proof of cruise completion. Capital One is failing to honor its advertised promotion. I demand the remaining {$800.00} be manually credited to my available balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Guild Holdings Company
State: AZ

Complaint narrative:
The property in question was inherited by the daughter/lawful heir following the passing of my father, the original borrower on a VA-guaranteed loan XXXX The heir went through formal Arizona probate court and provided exhaustive documentationincluding requested DNA relation testingto prove her identity and right to the estate. Despite this, Guild Mortgage Company, severely delayed administrative recognition, failing to officially confirm her as a " Successor in Interest '' until the literal day before a previously scheduled foreclosure sale. A new Trustee Sale date was set for XX/XX/year>. The heir promptly submitted a complete Loss Mitigation packet to obtain a loan modification to resolve the arrears and establish an affordable monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
Us bank I was a victim of a spoofed us bank call in regards to a person trying to send a wire transfer from my account they told me I needed to create the wire transfer so they would be able to stop and recall the wire transfer. They took my money and my bank has denied my request to return the funds because I initiated the wire transfer. I did everything they asked of me and they did not fully investigate by contacting the other bank.

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 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: OH

Complaint narrative:
On XX/XX/year>, I made a purchase through Klarna ( order reference XXXX ) that was never fulfilled. I received no product, no shipping confirmation, and no order confirmation from the merchant. Klarna 's app reflected three refunds as completed : - {$360.00} on XX/XX/year> - {$190.00} on XX/XX/year> - {$210.00} on XX/XX/year> Total : {$760.00} Based on this refunded status, and after Klarna 's support team verbally confirmed the funds had been transmitted to my bank, I filed a dispute with my bank on XX/XX/year>. My bank denied the dispute on XX/XX/year>, stating no error occurred. After my bank 's denial I contacted Klarna again for clarification. During a chat on XX/XX/year>, Klarna confirmed for the first time that no funds have actually been transmitted to my bank, that the merchant has not yet refunded Klarna, and that resolution depends entirely on the merchant responding to their team. No specific timeline was provided. This directly contradicts what I was previously told. Klarna 's app showed a completed refund status while the funds had never left the merchant. I was directed to dispute with my bank based on false information, resulting in a formal denial on my bank account record. I contacted the merchant directly on four separate occasions with no response. Klarna has acknowledged this and states their specialist team is working on it, but has been unable to provide any resolution timeline despite this issue being open for over 45 days since the refunds were marked as completed. I am requesting the CFPB investigate Klarna for misrepresenting refund status, providing inaccurate information that led to a wrongful bank dispute denial, and failing to resolve or provide a timeline for {$760.00} in funds that remain undelivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Orions Management Group, LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding a phone call I received from an individual identifying himself as XXXX XXXX. He contacted me from phone number ( XXXX ) XXXX. During the call, XXXX XXXX threatened me with court action and stated that I would have to appear before a judge. After calling my phone, he also contacted my wife. This matter had already been resolved. The debt in question was related to identity theft, and I previously settled the issue. Despite this, XXXX XXXX continues to contact me and my family. I work overnight shifts, and these calls have disrupted my sleep schedule and caused unnecessary stress. Thank you for your attention to this matter. Sincerely, 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 2026-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FREEDOM FINANCIAL NETWORK
State: NC

Complaint narrative:
This is related to Complaint XXXX in which XXXX sent me convenience checks in XXXX that were not honored after I deposited them in XXXX due to a change in their bank. They refused to send me replacement checks in XXXX associated with the correct bank after the government shut down led to a missed payment. They failed to make shut-down accommodations known publicly, blamed me for not calling to inquire, and reported the delinquency to the credit bureau after XXXX made XXXX catch up payments. XXXX sent me new convenience checks. I deposited XXXX on XX/XX/XXXX into my checking account. On XX/XX/XXXX it was denied by XXXX and withdrawn from my checking account. When I called Achieve on XX/XX/XXXX to find out why the check was not honored, whereby forcing me to bounce yet another convenience check from them, I was told they could not verify my identity and I would need to send them a copy of my driver 's license. At no time was I informed of this stipulation in writing or verbally, which in itself is a ridiculous requirement given the fact that I authenticated into my online account to make the request that same way I always have to make payments, I was verified and authenticated in order to get the HELOC in the first place, and the bank I deposited the check into has my name on it where I authenticate for access. On XX/XX/XXXX I requested an online payoff for the loan and as a results, I received a letter in the mail stating that due to the fact I requested a payoff, the account is no longer eligible for convenience checks. I never received a letter in the mail regarding my use of the check on XX/XX/XXXX or why it was denied. Yet they managed to find a reason to deny the use of checks on XX/XX/XXXX based on my wanting to know the payoff amount, and they put it in writing. Since Achieve no longer knows who I am, or who has been paying the account since I opened it, and since I am not sending a copy of my driver 's license anywhere, it seems to me I am no longer authorized to make payments on the account. I needed those funds for a hardship not a vacation or for convenience. At this point they can burn my credit score down to the ground and choke on the ashes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: LA

Complaint narrative:
I purchased XXXX XXXX electronic sensors through XXXX using my credit card. The total amount charged to my card was approximately {$740.00} including shipping, import charges, and fees. After payment was completed, the seller contacted me and stated the listed price was incorrect and attempted to demand additional payment beyond the agreed purchase price. The seller then shipped a package that contained only one incorrect item instead of the XXXX units ordered. The shipment/customs declaration itself stated that the package contained XXXX electronic modules. I disputed the charge with my credit card issuer because the goods delivered were materially different from the order. However, the dispute was denied primarily because the merchant provided tracking information showing the package was delivered. I provided evidence showing : the order was for XXXX units, only one item was delivered, the delivered item was not the correct product, the seller attempted to change pricing after payment, and the seller discussed refund/refund approval in written messages. I believe the bank failed to reasonably investigate my billing dispute and relied improperly on delivery tracking alone instead of evaluating whether the correct merchandise was delivered. I am requesting that the dispute investigation be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: IN

Complaint narrative:
The Background : Back in XXXX, I booked a " XXXXXXXX XXXX XXXX '' via XXXX. Ive used XXXX before ( including a trip to XXXX recently ) and it worked fine, so I didn't suspect anything. XX/XX/XXXX : I was charged {$3700.00} by " Golden Days. '' XX/XX/XXXX : Received a cancellation notice from XXXX, but it told me to contact the property manager at a specific email address to resolve it. XX/XX/XXXX XX/XX/XXXX : The " manager '' claimed it was a " system glitch '' and told me the reservation was still good. XX/XX/XXXX : I tried to follow up again. The email bounced, the phone number was unreachable. The company vanished. The host is gone. The Dispute : I contacted Booking.com and they told me I had to file a dispute through my credit card. I did. Citi has now denied it three times. Citi says they don't take phone calls or discuss the considerations of this matter. They seem to ignore the paper trail by first saying the date of service had not passed and then losing or disconnecting the information from the case so that I have had to provide documentation again. This seems to be a way that they have dragged out the determination in this case. This is a case of services not received because the merchant is a bad actor that used a major platform to charge me for nearly {$4000.00} and then disappeared. It is a clear case of services not received.

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 2026-05-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I am submitting this complaint regarding a disputed deficiency balance and negative credit reporting related to my 2024 XXXX XXXX lease with Toyota Financial Services. The vehicle became a total loss after an accident. I was later informed by the collection agency that XXXX took possession of the vehicle, that the vehicle was sold at auction for {$22000.00}, and that a remaining deficiency balance of approximately {$1700.00} was placed into collections. I dispute this balance and the related credit reporting. Before the accident, the vehicle had repeated repair issues and multiple service visits for the same or similar problems. A XXXX XXXX claim had also been filed with XXXX before the total loss. I have not received a clear explanation showing whether the vehicles repair history, condition, or XXXX XXXX history affected the valuation, auction sale value, or deficiency calculation. There is also confusion regarding protection products presented at the time of lease signing. XXXX XXXX was presented/discussed as part of the protection package, and XXXX Excess XXXX & Use protection appears to have been included in the lease documents. My payment was higher than the initially discussed $ XXXX monthly payment. However, I was later told that no XXXX coverage appeared on the lease contract. I have not received a clear written explanation showing whether XXXX was declined, denied, never activated, or why it was not applied. I also have not received clarification regarding whether any unused portion of the Excess Wear & Use protection was refunded, credited, or considered after the total loss. I am requesting a full investigation and written explanation of the following : XXXX. How the alleged {$1700.00} deficiency balance was calculated. XXXX. The payoff amount at the time of total loss. XXXX. All amounts received from XXXX and the dates they were applied. XXXX. How the auction/salvage proceeds of {$22000.00} were applied. XXXX. Whether the auction sale was commercially reasonable and reflected fair market value. XXXX. Whether the vehicles repair history or XXXX XXXX claim affected the valuation or auction sale value. XXXX. XXXX XXXX coverage existed, was declined, denied, or never activated. XXXX. Any GAP addendum, GAP enrollment record, or GAP declination/waiver form. XXXX. XXXX XXXX Excess Wear & Use protection was cancelled, refunded, credited, or applied. XXXX. Why the account was reported negatively to the credit bureaus despite my dispute and without a clear history of intentional XXXX missed payments before charge-off. This negative reporting has significantly damaged my credit. I am requesting correction or deletion of any inaccurate, incomplete, or unverifiable credit reporting, a full itemized explanation of the balance, and a fair resolution of the disputed deficiency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I was the victim of a sophisticated investment scam that resulted in approximately {$97000.00} in wire transfers from my Chase account. The individuals involved presented themselves as legitimate financial advisors associated with XXXX XXXX XXXX XXXX XXXX and communicated with me extensively through phone calls, XXXX, and online investment platform access. Over time, they gained my trust through repeated representations that they were operating a legitimate investment and trading business. I was shown what appeared to be a functioning investment platform with trading activity, profits, account balances, and time-sensitive opportunities. Based on these representations, I initiated multiple wire transfers to accounts they identified as affiliated entities, business partners, or trading counterparties. As the scheme progressed, I was subjected to increasing pressure and manipulation. I was told my funds could not be withdrawn unless additional credit obligations were satisfied and that failure to continue funding the account could result in liquidation or loss of my existing balance. These statements were false and were used to induce additional transfers. After later researching the entities involved and discovering a public scam warning and report describing nearly identical conduct, I realized I had been the victim of an organized fraud scheme. I reported the matter to FBI IC3, and notified Chase. Chase denied my fraud claim solely on the basis that the transactions were technically authorized. However, the transfers were authorized only because they were induced through deception, fraudulent misrepresentations, coercive pressure, and a fabricated investment relationship. This was not a legitimate commercial or investment dispute, but rather a fraud-induced transfer situation involving financial exploitation. I am requesting that Chase conduct a meaningful review of this matter as an authorized push payment / investment scam case rather than limiting its analysis to whether I physically initiated the wires. I also request review of whether reasonable fraud detection, escalation, intervention, or recovery efforts were undertaken in light of the unusual transaction pattern, repeated high-dollar transfers, and known prevalence of investment scams targeting consumers. I am seeking assistance in obtaining a substantive review of the banks handling of my fraud report, including any recovery efforts, wire recalls, or internal fraud-review procedures related to these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I overdrafted my account by {$120.00} dollars and I was charged {$100.00} in overdraft fees. It is excessive and predatory. I requested a reversal however because they reversed a fee in XXXX, they declined my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I purchased a XXXX XXXX XXXX with a loan. The car was declared a total loss, and my insurance and gap insurance covered the expenses. However, they did not inform me that there was a remaining balance of {$170.00}. I thought everything was paid because they told me it was settled. Then, when I tried to get a new vehicle, it appeared that I still had this unpaid balance. So, it was reported on my credit all this time. As soon as I found out, I immediately contacted the lender and paid it in full. This was about a year and a half ago, in XXXX. I requested that they remove it from my credit report, but they told me they could not because the system is automated. Even though I know it can be removed, I spoke to the lender, and they said they could not remove it. I also tried disputing it with the bureaus, but they do not allow me to, since the lender does not permit it. I purchased a XXXX XXXX XXXX with a loan. The car was declared a total loss, and my insurance and gap insurance covered the expenses. However, they did not inform me that there was a remaining balance of {$170.00}. I thought everything was paid because they told me it was settled. Then, when I tried to get a new vehicle, it appeared that I still had this unpaid balance. So, it was reported on my credit all this time. As soon as I found out, I immediately contacted the lender and paid it in full. This was about a year and a half ago, in XXXX. I requested that they remove it from my credit report, but they told me they could not because the system is automated. Even though I know it can be removed, I spoke to the lender, and they said they could not remove it. I also tried disputing it with the bureaus, but they do not allow me to, since the lender does not permit it.

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 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT Debt Validation Demand XXXX XXXX Account Midland Credit Management is reporting a collection account on my credit file purportedly originating from XXXX XXXX. I am formally demanding full debt validation including : ( 1 ) proof of their legal right to collect this debt in Georgia ; ( 2 ) a copy of the original signed credit agreement between myself and XXXX XXXX ; and ( XXXX ) a complete chain of ownership documenting how this account transferred from XXXX XXXX to Midland Credit Management. If Midland can not provide all three elements, this account must be deleted immediately. I am requesting the CFPB compel Midland to either fully validate this debt or remove it from all three bureaus.

Company response to consumer: Closed with explanation