vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 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: Credit Karma, LLC
State: GA

Complaint narrative:
Prior to XX/XX/year>. XXXX XXXX XXXX was looking for housing and ran across a landlord. She was prepared for over in and shared her XXXX XXXX information for the man to request payment. She then received inappropiate text from a male that made her feel uncomfortable she then pulled back her agreement to move in and proceeded with her life. As she check her messages she realized a payment went through from the same XXXX XXXX she shared with the home owner paying himself through my system. He paid himself on XX/XX/XXXX and XXXX. I filed a police report on XX/XX/XXXX. Told the XXXX XXXX people about the complaint and they said his account will be cancelled. Then on XX/XX/XXXX he then paid himself again making it look like a payment. I have an assigned officer to the case and police report saying I did not make the transaction. After I failed with XXXX XXXX I then went to my bank Credit Karma partnered with XXXX Bank XXXX and they immediately denied my claim without investigation. I even sent them documentation to show that I was hacked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/year>, I made a payment of {$4800.00} to my Citi credit card with the specific intent of paying down a promotional balance transfer before its expiration date of XX/XX/year>. Instead, Citi applied the payment to a separate Flex Plan balance without any warning, allocation preview, or ability for me to direct the payment. Because of this structure, any payments I make are first applied to the Flex Plan, making it effectively impossible for me to prioritize paying down my balance transfer before the promotional period expires. At no point during the payment process was I provided : * A clear breakdown of how my payment would be applied * A warning that the payment would be applied to a different balance * The ability to target my payment to a specific balance Had I been aware of this, I would have structured my payments differently. This lack of transparency has directly impacted my ability to manage my promotional balance and avoid interest charges. I have attached my XXXX statement showing the breakdown of the flex plan and the balance transfer

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 2026-05-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America is a scam they no the money went straight to a app with out my consent I had to resubmit my claim wait 30 days for a new debit card I didnt even have my money a month i trusted Bank of America Im requesting my provisional credit under regulation E i need my money asap it been over 40 days

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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I mailed two legitimate checks : One for {$9600.00} payable to the Internal Revenue Service ( IRS ) One for {$2000.00} payable to the XXXX Department XXXX XXXX Both checks were intercepted, and the payee names were fraudulently altered before being deposited into unknown third-party accounts. I was not aware of the fraud at the time the checks cleared. When I saw the funds debited from my account, I reasonably believed the payments had been successfully delivered to the intended government agencies. In XXXX XXXX, I received notices from the IRS and New York government indicating that these payments had not been received. Then I reviewed my bank records and discovered the fraud. I promptly reported the issue to Chase upon discovery. However, my claim was denied solely on the basis that it was not reported within the required 60 days timeframe. I respectfully dispute this determination for the following reasons : The fraud was not reasonably detectable at the time the checks cleared, as there was no indication that the payee names had been altered. I acted promptly once I became aware of the issue. The checks appear to have been materially altered, yet were accepted and processed without sufficient scrutiny by Chase. Chase has not provided adequate documentation or explanation demonstrating that the checks were properly verified or that the endorsements were valid. Under applicable banking standards, including the Uniform Commercial Code, banks are generally responsible for losses resulting from altered or fraudulently negotiated checks unless the customer was negligent. I do not believe I was negligent in this case. ___________ Additional Information : This issue has caused significant financial and administrative burden, including resolving tax payment issues with the IRS and New York State. I have been a Chase customer for approximately 30 years and expect that my account transactions are handled with appropriate security and fraud detection controls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I paid off my Apple Card balance in full, at which point my virtual Apple Pay account was disconnected. I was not aware that a residual accrued interest charge of approximately {$0.00} remained on my account after payoff. I received no notification by email, text, or mail that any balance was outstanding. Over the course of approximately three months, Goldman Sachs reported three consecutive missed payments to all three credit bureaus, significantly damaging my credit score -- all over a {$0.00} residual interest charge I had no knowledge of and was never contacted about prior to these reports being made. Goldman Sachs eventually contacted me by phone. During that call I asked a representative if they would correct the negative credit report entries. The representative confirmed they would resolve it. They did not follow through on that promise. I then filed disputes directly with the credit bureaus. Those disputes were not resolved in my favor. I am requesting that Goldman Sachs immediately remove all three missed payment notations from my XXXX XXXX XXXX XXXX credit reports. This harm resulted from their failure to notify me of a negligible balance before reporting, and their failure to honor a commitment made by their own representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The loan was paid in the XXXX of 2025. The lien was never removed from the title, and the title was never mailed to me. I called numerous times, and representatives keep " processing '' the request -- stating it will be another two business days. When I was connected to a supervisor, the supervisor claimed he could not hear me and disconnected the call. This is my third request since XXXX XXXX without any result. Ally states it sends the documents out in two days. However, they also delete access to documents and forms once the account is closed. So, there is no way to digitally receive it. It is a vicious cycle with no resolution.

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 2026-05-05 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: OH

Complaint narrative:
A complete description is included in the cover sheet of my supporting documentation I have attached. In summary, I went to XXXX in XX/XX/year> and my friend and I took a cab 1 mile to a rental car company. We were left at the wrong destination. The cab driver grossly inflated the fare to {$77.00} in pesos. Then they charged my card twice for the same criminal rate. I disputed the charges. The card company told me it was obviously wrong and would address it. They then charged me and paid the fraudster. I called multiple times. Multiple times they said it was obviously wrong and would correct it then always send a letter in the snail mail saying they won't and paid the double charge to the criminals. The supporting documentation the cab driver provided wasn't even for the correct service, date, or amount. They sent a receipt for $ XXXX in furniture. The card company didn't even read it or question it. They are clearly rubber stamping fraudulent charges from vendors and sticking customers.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 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: GA

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Company : American Express Account Type : Credit Card Account Number ( last 4 ) : XXXX Dispute Reference : XXXX Amount in Dispute : {$1500.00} -- - I am filing this complaint against American Express for a deceptive and misleading representation made by one of their customer service representatives, which directly caused me to incur a {$1500.00} charge that I was explicitly promised would be reimbursed. On the morning of XX/XX/year>, I was traveling in XXXX XXXX, XXXX, when I received notification of a significant disruption to my return flights to XXXX XXXX. I immediately called American Express for guidance. The representative I spoke with advised me to rebook my flights and explicitly told me that I would be reimbursed for the cost of the new ticket through my card benefits, and that this type of situation was typical for such claims. Based solely on that assurance, I purchased new return flights on XXXX XXXX ( XXXX XXXX ) for {$1500.00}. I would not have purchased these tickets otherwise I would have sought a remedy directly with XXXX XXXX at no additional cost to myself. I filed a travel insurance claim ( XXXX XXXX XXXX XXXX XXXX ), which was denied on XX/XX/year>, on the grounds that an aircraft substitution does not qualify as a covered trip interruption event. I then submitted a credit card dispute with American Express. On XX/XX/year>, American Express completed its investigation and credited my account {$1500.00}, concluding the matter in my favor. I relied on this resolution as final. On XX/XX/year>, American Express reversed course and rebilled the {$1500.00} to my account after XXXX XXXX responded that the flight segments were " flown and utilized. '' This response does not address the basis of my dispute. I did fly on tickets I was induced to purchase by an American Express representative 's explicit promise of reimbursement. The fact that the flights were taken is irrelevant to whether American Express 's representative misled me into incurring the expense. I have re-submitted my dispute ( confirmed XX/XX/year> ) and submitted a formal written dispute letter to American Express requesting the call recording from XX/XX/year>, which I believe will substantiate my account of the representative 's statements. American Express records customer service calls and has not produced this recording. In summary : An American Express representative made a clear promise of reimbursement. I relied on that promise to my financial detriment. American Express initially agreed I was entitled to relief, then reversed its decision based on a merchant response that does not address the actual issue. This conduct is deceptive and caused me direct financial harm of {$1500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I opened the account with Chase Bank on XX/XX/year>. I set up so my direct deposit from Social Security would go to that bank. The deposit from XXXX did not hit the chase account until XX/XX/XXXX. So using the tools provided by chase to transfer money to external accounts, I transferred funds from chase to the bank I write my check for my rent. When the transfer was not completed I went to the chase bank to find out why. They looked on my phone on the mobile app and showed me that it was pending. By the time I got home I received a text message that my account has been locked for suspicious activity. I went back to the branch and they made a call and the department that they called stated they were closing my account. Again they didn't provide any reasoning. They also said I couldn't access my banking information using the app and my debit card is deactivated. I requested the money from my account and they said that I could not get any money and in 10 days they would send a letter and a check. On XX/XX/XXXX I went to the chase bank to request a copy of my statement and my ACH from social security had disappeared from the printed statement they had given me. When I asked where it was they stated that it was returned, in other words bounced. I said that's impossible it is an ACH from social security. Then the bank manager came over and said it looked like chase sent it back to social security. Whatever the case my deposit is gone. I had approximately XXXX dollars in the account before the direct deposit. Please help me with this because this should not be done to anyone. As far as I'm concerned Chase Bank is holding my money hostage. And I didn't do anything to justify the treatment that I have received

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: WA

Complaint narrative:
Sent emails in regards to 15 U.S. Code 6802 and 15 U.S. Code 1692, and 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Never recieved any information back. No proof and no I never signed anything with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Coradius International LLC
State: VA

Complaint narrative:
A collection account from American Coradius Incorporated appeared on my XXXX credit report on XX/XX/2026 for {$290.00}. I never received any written notice about this debt. Under the FDCPA they are required to send written notice within 5 days of contact. When I called them they confirmed they sent mail but could not provide proof of delivery. I requested full debt validation and they refused to provide it. They also refused to delete the account from my credit report despite not being able to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I paid a deposit for a secured XXXX credit card and I graduated, meaning my deposit was supposed to be returned to me. I received an email advising of this in XXXX of 2025. I never received the deposit. They claim it was mailed in a check to my home address, which was never received. Then they stated it would be directly deposited into my account, which has never been deposited. I called multiple times on this issue and I keep getting told it will be reprocessed. At one point I had to call my bank on 3-way to confirm with them that it was never deposited. We are now in XXXX and still nothing.

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

Complaint narrative:
I have spoken with Mohela multiple times about my student loan not being in forbearance. I have an active Borrower 's Defense Application with Federal Student Aid. I have provided Mohela with the application number and a copy of the application. They refuse to put my loan in forbearance. I filed a complaint with Federal Student Aid months ago, but they have not provided any assistance. I am extremely frustrated. I have spoken with multiple supervisors at Mohela, and they flat out refuse to help.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
I had 5 transactions taken out of my account by this company XXXX XXXX XXXX XXXX XXXX . I never authorized this debt collection company to take anything out of my checking account. Apparently, they marked themselves as XXXX after taking the money out of my account and after I called XXXX and they denied any relationship with this company and stated that they have no records of any charges that I had that day. XXXX was very clear that they had no charges that should've been taken from my bank account. I did not authorize them to take money out of my account. They did 5 separate transactions that were not authorized by me. I called my bank to report them as fraud and even after reporting them they again attempted to take money out of my account with no authorization. They are literally stealing people 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX XXXX I attempted to deposit {$4100.00} in cash at my banks ATM. The deposit consisted primarily of {$100.00} bills. I initially inserted {$2200.00} ( XXXX {$100.00} bills ). The ATM rejected some bills due to folded edges and returned {$200.00} to me. However, it retained {$2000.00} and did not return those funds. The ATM then malfunctioned. It prompted me to retrieve unverified bills, but no additional money was present. The machine remained open and beeping for about a minute, then closed and displayed that it was processing the transaction. It ultimately issued a receipt stating the deposit could not be completed and instructed me to contact the bank. Immediately after, I went inside the branch and reported the issue. A bank representative advised me to call the number on the receipt and stated that the claims department could issue a provisional credit. I contacted the claims department the same day and opened a claim. However, I was then told that a provisional credit could not be issued due to the amount involved, which directly contradicted what I was told in the branch. These funds were intended for my rent due on XXXX XXXX XXXX Because the bank withheld {$2000.00} of my deposit and did not provide timely access to my funds, my rent payment was delayed. I was forced to pay my rent on XXXX XXXX XXXX using my checking account while waiting for the claim to be resolved by the stated deadline of 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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: TN

Complaint narrative:
In XXXX someone hacked my account and sent out {$1500.00} through XXXX to someone I know dont know. Then in XXXX it happened a second time for the same amount of money. In XXXX I filed police reports and everything else that they requested and said it was going to take 30-45 days for clearance. As of today, nothing has changed. Now they want all the same stuff done again and for me to pay for my phone to be wiped clean. They have been advised that they have all of my money and Im ok with just removing current funds and closing my account, but they say that it is also impossible.

Company response to consumer: Closed with explanation