vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 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: FL

Complaint narrative:
I am filing a complaint regarding Chases handling of a billing error involving duplicate charges for a single hotel stay. In XX/XX/XXXX, I prepaid for a hotel stay scheduled for XX/XX/XXXX. That charge appears on my statement as XXXX XXXX XXXX. In XX/XX/XXXX, I briefly disputed the charge due to discrepancies in booking details, but I canceled that dispute in XX/XX/XXXX after deciding to proceed with the trip. When I arrived at the hotel in XX/XX/XXXX, the property ( XXXX XXXX XXXX XXXX ) stated they had no record of my prepaid reservation, despite my documentation. I was traveling internationally with my family and had no reasonable alternative accommodations. I was forced to pay again on-site in order to avoid being stranded. That second charge appears as XXXX XXXX XXXX XXXX. As a result, I was charged twice for the same stay : XX/XX/XXXX : Charge by XXXX XXXX XXXX ( prepaid booking ) XX/XX/XXXX : Charge by XXXX XXXX XXXX XXXX ( on-site payment for the same stay ) Although the merchant names differ, these charges relate to the same reservation and hotel stay. The difference in merchant names is due to the hotels billing or processing structure and does not represent separate services. I have attempted to contact the hotel multiple times with no response. I then contacted Chase to dispute the XX/XX/XXXX charge as an improper duplicate billing. Chase states their investigation found the XXXX charge valid because I stayed at the hotel. However, they have advised that the XXXX prepaid charge is the one that should be disputed, while also stating that it is outside allowable dispute timeframes. This outcome leaves me responsible for two charges to a single stay. Regardless of which transaction is ultimately determined to be improper, one of these charges is invalid and should be refunded. I am requesting that Chase properly resolve this billing error by refunding one of the duplicate charges. I can provide documentation showing both transactions and that they correspond to the same reservation and stay. This situation constitutes a billing error involving duplicate charges for a single service. Under applicable billing error protections, I should not be held responsible for two charges for the same transaction. I am requesting that Chase correct this error and issue a refund for one of the duplicate charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE

Complaint narrative:
I am writing to formally address an issue regarding a bank transfer initiated from my account at XXXX XXXX XXXX ( XXXX ) in XXXX, XXXX to XXXX ( via XXXX XXXX as the intermediary ). Details of the transaction are as follows : - Date of Transfer : XXXX XX/XX/year> - Transfer Cancellation Date : XXXX XX/XX/year> Since cancelling the transfer on XXXX XXXX, my bank has made multiple attempts to contact your institution to arrange for a refund. Unfortunately, we have not received any response from your bank regarding this matter. I have attached all relevant documentation, including the XXXX XXXX, XXXX XXXX, and XXXX and some email regarding the refund, which detail the entire transfer history. Additionally, I have included the Remittance Advice for your reference. All this information was sending to the beneficiary bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
My husband XXXX XXXX XXXX in XXXX and then this XXXX and then his XXXX again. We have had to pay drs for his care and its put us in a bind. He also has XXXX XXXX XXXX, XXXX and numerous other XXXX XXXX before this. Our bank account has got in the minus and our check is gone before we get it. I have ask Arvest if they could help us and they just sent me back a letter explaining how NSF work. I have pages and pages of NSF charges. We cant even pay our bills. Our water and phone have been turned off. His mom paid the water and we are using his work phone. Our electricity and car are next. Arvest is causing a serious hardship for us and we cant keep living with them taking all our money

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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a checking account with TD Bank, N.A. It previously did not have overdraft services ( account opened in XX/XX/XXXX ). More recently in XX/XX/XXXX, it started to cover some overdraft, causing my account to incur significant fees. To make matters worse, TD Bank does not make it easy to turn the feature off. I called into customer service they said it can be turned off within the mobile app. I tried looking, there is no actual way to turn it off. TD is intentionally doing this, and they are deciding which transactions to cover, at their discretion, in order to punish their customers. Their business practice is unfair & deceptive and they need to be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Please see the attached photos that I have submitted, which has the online chat conversation between myself and a representative. The other photos that represent the letter that was sent to me, was not as you can see per my conversation with the representative what I was looking for. I specifically asked for original documentation with the original creditor showing that I signed up for such an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
XXXX XXXX I've received XXXX from XXXX XXXX XXXX. The company brought me on as an employee also informed me about traffic I've have before XX/XX/XXXX, they proceeded to employ me. XX/XX/XXXX XXXX proceeded to terminate me for the same ticket that I've already paid and stated. Leaving me seeking unemployment and charge off of 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 2026-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Has me as an authorized user on the XXXX debt. I am no longer an authorized user and would like this removed from my credit report.

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 2026-04-29 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I am filing this complaint regarding an unauthorized charge on my PayPal Credit account serviced by Synchrony Bank. On XX/XX/year> at approximately XXXX XXXX, an unauthorized transaction in the amount of {$760.00} from XXXX XXXX was processed on my account. Immediately after receiving notice of this suspicious transaction, I contacted the company and reported fraudulent activity. I spoke with a representative who canceled/locked my card and opened a fraud claim. Before the larger fraudulent transaction, there was also a smaller authorization/test charge for {$0.00} marked VOIDED at the same time. This strongly suggests my account information was being tested before the larger unauthorized purchase was completed. Despite reporting the fraud immediately while the charge was pending, the company still allowed the {$760.00} charge to post to my account. Days later, I received an email stating they had attempted to call me for more information. However, I received no missed calls, no voicemail, and no evidence of any attempted call. I also received generic responses stating they could not locate the transaction, even though it appears on my account statement. Additionally, when I click on the transaction details within their system, I receive an error message stating : Sorry, we couldn't retrieve your data. Please try again later. I acted quickly and responsibly to prevent loss, yet the company failed to stop the charge and failed to properly investigate the dispute. I am requesting : 1. Immediate reversal of the unauthorized {$760.00} charge 2. Removal of any related interest or fees 3. Full fraud investigation 4. Written explanation of why the charge was allowed to post after being immediately reported 5. Correction of any negative reporting related to this matter This account is in my name and associated with my company, XXXX XXXX, XXXX. I use this credit account for legitimate business purposes and I am responsible for paying all charges made on it. There is no reason or benefit for me to fabricate a fraudulent claim regarding a purchase that I would ultimately be obligated to pay.

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 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute an erroneous entry on my credit reports with XXXX, XXXX, and XXXX. My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security Number are XXXX. The account in question is with GLOBAL LENDING SERVICE, account number ending in XXXX, showing a derogatory balance of {$25000.00}. I initially became aware of this incorrect information when I reviewed my credit reports, which revealed a derogatory status that I believe to be inaccurate. This account is negatively impacting my credit scores, which currently stand at XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. On XX/XX/XXXX, I filed a dispute with the credit bureaus regarding the inaccurate details on this account, yet the information remains unchanged. This failure to correct the erroneous data is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy of the information they report. The presence of this derogatory account has caused significant harm to my financial standing. It has adversely affected my ability to obtain credit at reasonable terms, thus impacting my financial planning and day-to-day life. I am seeking the complete removal of this account from all three credit bureaus ( XXXX, XXXX, and XXXX ) as a resolution. It is imperative that this incorrect information be rectified to prevent further damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I requested full validation of an alleged debt from Midland Credit Management. On XX/XX/XXXX, they responded with incomplete information. They provided only XXXX random statements and did not provide the required documentation to validate the debt under the FDCPA. Missing Required Documentation : No detailed calculation or itemized breakdown of the alleged balance No original contract or agreement with my handwritten signature No chain of assignments or proof of ownership of the account No proof of authorization to collect in Tennessee, including license number and Registered Agent Because Midland did not provide proper validation, they are not legally permitted to continue collection activity under 15 U.S.C. 1692g ( b ). The debt remains disputed, and they have not met federal requirements to verify the debt. On XX/XX/XXXX, I sent a certified letter asking for the following : What is the money you say I owe for? Explain and show in detail how you calculated what you say I owe. Provide me with copies of any papers that show I agreed to pay you, including original handwritten signatures. Provide a chain of assignment and receipts proving that you own the account and the monies you claim I owe are your entitlement. Identify the original creditor. Proof that the Statute of Limitations has not expired on this account. Show me that you are licensed to collect in my state. Provide me with your license numbers and Registered Agents. I received on XX/XX/XXXX a packet of incomplete information. It included a letter stating they had reviewed their records and did not understand what I was disputing. Actual Quote from letter : " We are uncertain of what you are specifically disputing. '' The proof of ownership that was sent was not sufficient to prove ownership. No receipts or contract copies were showing they had purchased and owned the account. I only got a printed form stating the account had been sold, which does not satisfy the requirements as proof of ownership. I also received XXXX random account statements from the original creditor with the dates XX/XX/XXXX and XX/XX/XXXX. These were the first pages of the billing statement, only, and did not show any type of calculations that showed how the amount was reached. It is claimed that i owe them {$2600.00}. I am requesting proof of ownership and the above information as I do not believe they own the account, and I do not agree with the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I disputed XXXX charges for {$330.00} to Chase bank because I was double charged from my credit card and credit union to a debit card. Chase credited me back the amount I provided all the statements from the bank. I had a letter from the credit card. I provided everything that shows I was double charged and they still never followed up with me took it back out of my account and reverse the credit and still Im trying to get documentation on why when I provided all proof of the issue. I went into a branch and talked to a branch executive who called on my behalf and said on XX/XX/XXXX assured me that this would not happen again and I would have both amounts that were taken out twice credited back to me and XXXX still being deducted from the same checking account the {$330.00} by reversal credit. This is now been going on for almost 2 months that I have had to prove that I was double charged and when everyone tells me theyre so sorry that this has ever happened. I wake up and its happening all over again. I bank with Chase. I get my direct deposit from my hard-working job put into this account just to have issues that are promised they will fix to not fix them to again the high of at least talk to XXXX to XXXX people since the beginning of XXXX about this issue and as of XX/XX/XXXX it is still not fixed. They once again reverse the credit and took the money back out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I am filing a complaint against Citibank regarding the wrongful denial of my XXXX XXXX XXXX XXXX claim for a new vehicle purchase made in XX/XX/XXXX. I submitted all required documentation by certified mail on XX/XX/XXXX, well within the 90-day redemption window. In XX/XX/XXXX, I received a notice from Citibank stating my submission lacked sufficient information. I promptly resubmitted all requested documentation. In XX/XX/XXXX, I received an identical notice requesting the same information I had already provided twice. I complied again and resubmitted. In XX/XX/XXXX, I received a letter from Citibank stating that my claim was ineligible because the 90-day redemption window had expired. I believe this denial is unjust. I submitted my original claim on time and complied with every subsequent request for additional information. The 90-day deadline was missed solely because Citibank continued XXXX request information I had already provided on multiple occasions, causing the window to lapse through no fault of my own. On XX/XX/XXXX, I sent a formal written complaint to Citibank Client Services by certified mail. As of today, 30 days later, I have received another response denying my claim. I am requesting that the CFPB investigate this matter and that Citibank be required to honor my Driver 's Edge Rewards claim. Sincerely, 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 monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: WV

Complaint narrative:
I received a loan from One Main Financial around XXXX. I purchased unemployment/XXXX insurance. XX/XX/XXXX I was taken out of work by my XXXX because of XXXX XXXX/ XXXX XXXX and having a XXXX XXXX. I filled out papers from OMF every month they sent them to me. My doctor filled out forms for him about every 3 months updating OMF that he continued to have me out of work as I was applying for XXXX from XXXX. XX/XX/XXXX Social Security granted my XXXX and at that time my doctor filled out another of OMFs forms notifying them I would be permanently/totally XXXX and would never return to work. OMF continues to want forms filled out every month and another from my doctor every 3 months when theres no reason for me to see my doctor that often since its just monitoring my condition now and nothing more to repair. OMF can not grasp the idea that when the doctor says Ill never turn to work and the XXXX XXXX XXXX tells them I have been granted SSDI and will never return to work the insurance should pay the loan off in full. The whole time they have been paying monthly but only after constant arguments. The original loan was around {$8000.00} plus interest but now 4 years later the balance is still somehow around {$5500.00} and the terms of the loan were around 4 years. They now refuse to pay off this loan or even make their monthly payments unless my doctor and I continue to fill out forms monthly and have begun reporting to the credit agencies that I am in default of this loan. I have tried to work things out with them but the only suggestion they have is that my doctor and I continue to fill out forms and they will finally make another partial payment for that month. The form my doctor had been filling out was their own form, One Main Financial, and he kept them updated on the process until it was clear I would never work again. At that time, he checked the box on their own form that I would NEVER return to work but they refuse to accept that and pay off the loan in full. When asked why they want more forms ever month even though the doctor said Id never work again, the only answer I received is incase my situation gets better. Well, it will never get better and I will be XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Being overcharged on interest and the principal balance does not matched the statements and they're not very cooperative on doing a audit on the loan

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 2026-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TX

Complaint narrative:
I received an email XX/XX/year> from the Department of Education stating my student loans would be discharged due to XXXXXXXX XXXX deceptive practices against students. Subject line read : Student Loan Discharge Based on Borrower Defense Evidence. When will this take place with the discharge because I've been placed on a XXXX year forbearance, but still getting credit alerts that the student loan amount is increasing due to interest. When will this be handled and discharged? How long does this typically take? Is the department of education even working on these cases? I am needing answers because this is so frustrating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I am a 100 % XXXX veteran. On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX, IN, for {$20000.00}. Within XXXX miles, the vehicle suffered catastrophic engine failure ( collapsed lifters ). I immediately contacted Navy Federal Credit Union for guidance. A Navy Federal agent explicitly instructed me to " return the vehicle and cancel the transaction. '' Following these instructions, I surrendered the keys and vehicle to the dealer. However, the dealer then cashed the loan draft and is now in possession of both the {$20000.00} in funds and the vehicle collateral. Navy Federals Fraud and Collections departments are refusing to assist or initiate a merchant dispute, despite the fact that their agents negligent instructions led to the loss of the collateral. I am being held liable for a {$20000.00} debt for a vehicle I do not possess. My family is expecting our first child this XXXX after XXXX years of XXXX, and this financial negligence by the bank is causing extreme hardship. I request an immediate reclamation of funds and closure of this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation