vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Contact this company several times about my deposit. Of my income tax. They close my account because of me reporting a scam. I never used any of the funds and it was reported immediately. And I closed that account and opened a new account. And then they closed my new account and inhaled my funds, which delayed all my bills being paid on time. They kept telling me that my check was sent out. I got ta i got a XXXX XXXX XXXX tracking that city was overnighted and it was never sent out overnighted. They told me several times that I should have received my check now. They're telling me that they just sent it out. XXXX XXXX, the count has been closed since the XXXX XXXX of XXXX. They are holding over {$6000.00} of my money that I'm entitled to. My lights, you're in jeopardy of being turned off. My rent is late my car payments are late i am being punished for reporting fraud. I did not commit the fraud I. Reported it and I never used any of the fraud funds. That was fraudently deposited in my accoun. They told me that it would be overnight to me because it was over XXXX XXXX dollars that never happened

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: AL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 explanation
Consumer complaint received 2026-03-06 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: MT

Complaint narrative:
I have a Citi card through XXXX. I was charged for purchases I didn't make. Mostly XXXX charges. I contacted Citi to dispute these charges, but they were not removed from my account. I have attached the photos showing some of the disputed charges below, along with my XXXX account purchase history. I have been a Citi customer for years. I racked up close to XXXX in charges in the last year alone ( and paid them on time ), and, for the first time, reported fraudulent charges. I find it crazy that they havent been removed and credited back to me. I told them that I would file a report with the Consumer Financial Protection Bureau. I received my new card after I called to report these fraudulent charges, but the investigation was conducted, and the fraudulent charges were assigned to me ( labeled as my responsibility ). As you can see from the photos, XXXX of the charges was generously reversed ( for XXXX ), but none of the others were. I don't understand the process they used or why they would refuse to refund me for charges I didn't make, as this clearly violates the Fair Credit Billing Act. Any help here would be greatly appreciated.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAGEM - XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In XX/XX/year> I obtained a Navy Federal Credit Union XXXX XXXX XXXX fixed mortgage. During the mortgage origination process I was informed that the loan included a Rate Reduction Option that would allow me to lower my interest rate when market rates drop without refinancing. Based on this explanation, I understood that I would be able to reduce my rate if mortgage rates declined. Recently I contacted Navy Federal to inquire about exercising the Rate Reduction Option because mortgage rates have declined since my loan originated. My current interest rate is approximately 6.875 %. When I contacted Navy Federal, I was informed that the rate available through the Rate Reduction Option would be approximately 6.85 %, which is effectively no reduction. I was also told that the rates used for the Rate Reduction Option are based on internal rates that differ from the publicly advertised mortgage rates for the same XXXX XXXX loan product. This distinction between publicly advertised mortgage rates and the internal rates used for the Rate Reduction Option was not clearly explained during the loan origination process. Based on the information provided at the time of closing, I reasonably believed that the Rate Reduction Option would allow me to benefit from market rate declines. The difference between the publicly advertised rates and the internal rates used for the Rate Reduction Option makes the program effectively unusable unless rates drop significantly more. I contacted Navy Federal to request clarification on how the Rate Reduction Option rate is calculated and why it differs from the advertised rates for the same loan product, but I was not provided with a clear explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I applied for a Wells Fargo XXXX credit card. The card was approved, and Wells Fargo charged the annual fee to the account. However, the physical credit card was never delivered to me. After waiting an extended period without receiving the card, I contacted Wells Fargo. During that call I was informed that the card had never actually been sent out. I was also told that the promotional bonus period had already expired and that Wells Fargo would not extend it. Since I had never received the card and had therefore been unable to use it, I requested that the account simply be cancelled and that the annual fee be refunded. I subsequently called Wells Fargo multiple times ( at least three separate occasions ) to cancel the account and request the annual fee refund. Despite the fact that : Wells Fargo never sent the card Wells Fargo never notified me that the card had not been sent I never received the card I never made a single transaction on the account Wells Fargo has refused to refund the annual fee. It seems unreasonable to charge and retain an annual fee for a credit card that was never delivered and never used, particularly when the failure to send the card appears to have been entirely on Wells Fargos side. I am requesting that Wells Fargo refund the annual fee associated with this account. I am also specifically recommending other consumers work with banks like XXXX that are much better known for their customer care.

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 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: NY

Complaint narrative:
The car was a totol loss from the at fault driver they accepted the XXXX check know i had only paid XXXX down the car was worth XXXX when i brought use now its a balance of XXXX left im hurt in the hospital in they still charging me fees not helping i cant pay off a loan for car that was totol loss in westlake still charging me threw the roof fees

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: AZ

Complaint narrative:
b'Received a letter from Professional Credit Services that I owed XXXX to XXXX XXXX XXXX This debt was paid in full to XXXX XXXX XXXX XXXX XXXX yet the letter from Professional Credit Services was received on XXXXn\nHere is a breakdown of the payments made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXScreenshot of XXXX balance'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: KY

Complaint narrative:
I was eligible for PSLF XX/XX/XXXX for 2 of my loans ( both consolidations ) with the buyback option. I submitted a buyback application XX/XX/XXXX and XX/XX/XXXX. I have followed up and submitted feedback XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time I was told there is no time frame and to wait for an email. I am aware XXXX has no control over this, as the DOE is who is responsible for processing. They immediately updated my employer form I submitted the same month but I have now been waiting 9 months for my payments to update across all my loans and forgiveness of my 2 consolidations. I tried to get back in repayment from the SAVE forbearance to avoid much of this and that took almost a year. The main issue is I am now back in PAYE and paying on 2 loans should have been forgiven almost a year ago. Additionally, I can't submit my XXXX employer certification because they said it could delay my buyback application. The remainder of my loans will be eligible in XX/XX/XXXX. While I understand the CFPB and the DOE have been gutted employee wise I submitted this before the huge back log that was reported in XXXX. There is no way to get an update or a timeframe for processing. There are so many errors on the FAFSA counts. Months that are missing all together my employer hours on some of the entries are incorrect so I am fearful once it is processed it will be rejected because of these administrative errors. I have followed the rules of this program and now the DOE is not holding up their end. I should now have XXXX0 PSLF eligible payments for my 2 consolidations and 106 PSLF eligible payments for the remaining ones. Please can someone assure me this is being processed?

Company response to consumer: Untimely response
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime sent statement they see no transaction error

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Aidvantage for refusing to provide basic account information after identity verification and for mishandling multiple calls. On XX/XX/XXXX, at approximately XXXX XXXX, I spoke with a representative named XXXX. I requested the consolidation loan award IDs for my XXXX and XXXX consolidation loans. Although I verified my identity, she refused to access my account, claiming I was one number off from the case number for the XX/XX/XXXX Department of Education discharge instruction. I read the exact case number from my prior Aidvantage chat transcript three times. She still refused to review my account. I requested a supervisor. After about six minutes on hold, I was told a supervisor would call me back within 2448 hours, but I was never connected to one. Earlier, another representative, XXXX, told me it would take seven months to obtain my award information and then ended the call when I questioned this. I have retained the chat transcript containing the case number that Aidvantage provided. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I am not able to make the payments, the other person was not helping me pay half of 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 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
They asked me to consent to a XXXX which I gave them but I dont know why they asked me after having the account for 6 years and I called them they said they wanted to verify if it was me and now there closing my account saying they cant verify my info with irs

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/2026 I paid {$450.00} via XXXX to @ XXXX for a XXXX that was fraudulently misrepresented as brand new. The sellers own XXXX account was already frozen at the time, which he acknowledged. The delivered mattress was visibly used and approximately XXXX XXXX XXXX. My credit union ( XXXX XXXX XXXX XXXX ) investigated, confirmed fraud, refunded the full {$450.00}, and transmitted a formal ACH fraud return to XXXX banking partner within 24 hours. Rather than act on that return, XXXX re-paid the fraudulent recipient, seized my entire existing XXXX balance of {$230.00}, created an additional {$210.00} negative balance, froze my account, and began collection activity {$450.00} total taken from me. Over 26 days I made 14+ documented contacts across every channel XXXX offers ( 11 emails, 2+ in-app chats, 1 phone call ). XXXX never once requested any evidence. XXXX denied my claim on XX/XX/2026 with a form letter citing no evidence and no investigative steps. On XX/XX/2026 XXXX own Account Specialist confirmed in writing that the ACH debit from my credit union account failed proving XXXX knows the fraud return was received yet still demands payment from me. XXXX own app displays the FDCPA debt collection disclosure while collecting on this formally disputed balance. Case XXXX # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The following accounts appear on my TransUnion credit report : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Balance : {$1500.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Balance : {$480.00} Please verify these accounts with the original creditors. If they can not be verified, I request they be corrected or removed. Inquiries The following inquiry appears on my TransUnion credit report : XXXX XX/XX/XXXX I request verification that this inquiry was authorized. If it can not be verified, I request that it be removed.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc.
State: MN

Complaint narrative:
Validation of Debt Request - CONSUMER PORTFOLIO S - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Date of transaction XX/XX/year> {$1000.00} I attempted to deposit {$5000.00} in cash only {$4000.00} was credited i called and opened a claim and they told me the claim was denied

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Strategic Alliances, Inc.
State: MA

Complaint narrative:
On XX/XX/year> myself and my former boss went to XXXX in XXXX to rent a vehicle for the company i used to work for. The rental car was to be used for company use. After receiving the rental i never used the vehicle again. The company credit card was used for payment. Ultimately my former boss never paid for the rental and the car was repossessed at the company address. I now have debt collectors pursuing me for a rental car that was for my former employer. The debt collectors are constantly emailing my mother over this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XX/XX/XXXX Good day, I have an offer for {$17000.00} to purchase this vehicle. I am asking that you allow me to resolve this debt at this time. The amount of the monthly payment is placing a strain on my family of XXXX. Childcare and otherwise manageable payments have increased over the past year. I ask, no beg you to help resolve this in an amicable way and not prolong the inevitable of me missing payments and you repossessing the vehicle in a negative manner. XX/XX/XXXX Hello, We received your request regarding payment. Due to the nature of this matter, we need to speak with you. Please call us at XXXXALLY ( XXXX ), we are open 7 days a week, XXXX XXXXXXXX XXXX EST. XX/XX/XXXX I called and did not recieve any consideration to my request and was told that I could sell the car, but would need to pay the residual amount which is around {$9000.00}. Your payoff estimate for your XXXX XXXXXXXX XXXX as of XX/XX/XXXX is : Present unpaid balance ( includes finance charges accrued up to XX/XX/XXXX ) : {$26000.00} Late charges due : {$85.00} Other charges due : {$0.00} 10 days of additional finance charges : {$170.00} Estimated Total Amount Due : {$26000.00}

Company response to consumer: Closed with explanation