vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing a complaint against American Express regarding a denied credit card dispute. On XX/XX/scrub>, 2026, I made a purchase at XXXX totaling {$130.00}. Of that total, {$100.00} was for a gift card. I am disputing only the {$100.00} gift card portion of the transaction. After the purchase, the gift card had no usable balance/value. I did not receive the functioning stored-value product that I paid for. I disputed the {$100.00} gift card portion of the charge with American Express. American Express closed the dispute and stated : Because this dispute pertains to Gift card, we weren't able to investigate it. We suggest you to please contact the place of purchase for assistance. That response did not address the actual problem. My dispute is not based on buyers remorse or a general refund request. My dispute is that I paid {$100.00} for stored value and received a gift card with no usable value. I contacted the merchant, XXXX, and XXXX refused to refund or correct the issue. American Express then refused to investigate solely because the transaction involved a gift card. I am requesting that American Express re-open and investigate the {$100.00} disputed portion of this transaction and credit back that amount, along with any related interest or fees associated with that disputed amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Someone opened a XXXX account through my discover checking account without my knowledge. Whoever is responsible for made several withdrawals and one deposit I guess testing out the accounts when I filed a dispute for all these transactions discovered denied my claim for the withdrawals but approved though one transaction for the deposit and deducted that amount back out of my checking account which caused me to go over and now I'm overdrawn and I filed this dispute all for all the transactions at the same time on the same day how are they able to approve the deposit as being fraudulent but not the withdrawals? And all the transactions were done with the same names. I appealed their decision and by this time I had obtained a copy of the police report and a copy of my filing with the federal trade commission for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am requesting immediate review and discharge of my federal student loans due to long-term servicing misconduct by XX/XX/XXXX ; HIGHER ED LOAN AUTH OF MO ( FORM XX/XX/XXXX ) ; Lender tied to XXXX XXXX XXXX XX/XX/XXXX ; and/orXX/XX/XXXX( see attachment on loan history ). My loans entered repayment in XX/XX/XXXX. During the period my loans were serviced by Navient and its predecessors, I was repeatedly placed into extended forbearance and deferment rather than being properly informed of or enrolled in income-driven repayment ( XXXX ) plans for which I was eligible. These actions are consistent with documented federal findings regarding XXXX servicing practices, including steering borrowers into forbearance instead of XXXX, resulting in loss of progress toward loan forgiveness. As a result, I was prevented from making qualifying progress toward forgiveness for many years. My account history reflects extended and repeated forbearance periods, particularly between approximately XXXX and XXXX, which should have either been avoided or properly credited. I consolidated into Direct Loans in XXXX and am now serviced by MOHELA on behalf of the U.S. Department of Education. However, my account has not been fully corrected to reflect my complete repayment history. Despite being in repayment status for over XX/XX/XXXX years, I have not received the loan forgiveness for which I am eligible. I am requesting the following resolution : XXXX. Immediate application of the XXXX account adjustment to all eligible periods, including repayment, deferment, and forbearance XXXX. A full audit and correction of my loan history, including all XX/XX/XXXXserviced periods XXXX. Immediate discharge of my remaining loan balance based on eligibility forXX/XX/XXXX forgiveness XXXX. Correction of any incomplete or inaccurate XXXX payment counts This ongoing failure to properly account for my repayment history is causing continued financial harm. Based on my repayment start date and corrected history, my loans should already qualify for full discharge.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
Furthermore, as a resident of XX/XX/XXXX, I am notifying you that this loan agreement is considered void and unenforceable under O.C.G.A. 16-17-1 due to usurious interest rates. Effective immediately : 1. Stop all electronic withdrawals from my account. 2. Cease all telephone contact regarding this account. 3. Any future correspondence must be sent to me in writing via U.S. Mail. I have already notified my financial institution of this revocation. Any further attempt to debit my account will be reported as an unauthorized transaction. Name : XXXX, XXXX XXXX Lendumo Loan Number : XXXX Nature of Complaint : Illegal Payday Lending / Usury ( O.C.G.A. 16-17-1 ) Detailed Description : I am a XX/XX/XXXXresident. I obtained a loan from XXXX, XXXX XXXX Lendumo which carries an APR of approximately 650 %. Under the XX/XX/XXXX Payday Lending Act ( O.C.G.A. 16-17-1 ), this loan is void and unenforceable. I have reviewed my bank records from XXXX XXXX XXXX XXXX. Original Principal : {$1700.00} Total Amount Paid : {$6000.00} Total Overpayment : {$4300.00} This means I have already overpaid the original principal by {$4300.00}. Under O.C.G.A. 7-4-10, all interest on a usurious loan is forfeited. Despite having already collected over 350 % of the original principal, Lendumo continues to demand an additional " payoff '' of {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Basically I dont recognize this account they try to collect from me and I filed a police report and sent to them they are not cooperating showing me proof of that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
In return for previously ruining my credit by falsely reporting late payments, Shellpoint Mortgage agreed to fully discharge the mortgages after initiating loan modifications for balances under XXXX for loan numbers XXXX and XXXX. In addition, I spoke with the owner of Shellpoint and asked about funding multi-billion-dollar patented technologies. The company is looking to steal technologies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I fully paid my account but they charge {$2.00} late paper fee became late charge Im XXXX balance but because on fees on top on it charge me late fees reported me to XXXX, XXXX XXXX and XXXX which Im almost in process of refinancing my house but bec of that my credit score went down XXXX points I talked to live agents dont even know how to answer my question they said go to my app and apply for paperless I said Im not computer savvy Im XXXX I rather talk to live agent this is senior abuse, but didnt help even the supervisor put me back to the customer service instead of helping ne

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Last XX/XX/XXXX there about over {$4000.00} has been taken off on my account and another one in XX/XX/XXXX there is {$6000.00} has been taken off on my account again.

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 2026-04-06 00:00:00
Product: Mortgage — USDA 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: PLANET HOME LENDING, LLC
State: MO

Complaint narrative:
My identity was stolen last XXXX through transunion being hacked and later my bank account started getting hacked it put me behind I couldnt pay anything on time. The first of the year I was able to put XXXX lifelock to work to help me and the mortgage company was trying modify the loan they needed award letters I tried several times to get through the process to get on the social security website through I.d . Me unknowingly that the hackers had taken over my laptop isbn number and committed fraud in XXXX my address had been flagged fraudulent and I could not get the site this all came to my knowledge last Monday when XXXX had discovered it and in the process of them catching them my laptop was burned up when I called to make a payment until the mortgage company could modify my account they let me know they were foreclosure was going to happen this is not my fault I have all XXXX information and I have gotten the award letters and will be emailing it shortly this is the last piece of months of fixing my credit and getting things back that these people have robbed from me my credit is still bad I can make the mortgage payment but I cant get any XXXX person to talk to to make sure there getting my information and they dont need anything else its not fair Im a XXXX veteran and on a fixed income and my life is ruined from this fraud please help me with these people

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime has let this merchant charger me over and over again and keeps denying me of my reimbursements Ive canceled my card a few times and Ive made complaints a few times I think its a chime employee doing the scamming and I dont know what to do the dates of the person scamming me has been over years from like 2024 to now and chime does nothing about it but close my complaint and deny me ever time despite me canceling my cards and me asking them to block the merchant they do absolutely nothing!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: TX

Complaint narrative:
I am filing a complaint against Klarna regarding their improper handling of a billing dispute for a purchase made with XXXX XXXX on XX/XX/year> in the amount of {$2300.00}. XXXX attempted to deliver package on XXXX but rerouted the package to a XXXX access point. I picked the package up from the facility with ID verification on XX/XX/year>. The package was received in a compromised condition and the contents were missing. I was told by XXXX staff they couldnt help in the store and I would need to file a claim. I filed a claim via phone with XXXX within XXXX XXXX from pick up and notified XXXX XXXX next business morning. XXXX denied my claim and marked package as delivered. Therefore, XXXX XXXX, denied my request for a refund/replacement due to the investigation results of the XXXX claim I disputed the transaction after I did not properly receive the merchandise and Klarna denied my claim based solely on XXXX delivery confirmation stating the package was delivered. However, a delivery scan does not verify that the item was actually received by me or that it was delivered in proper condition. Klarna failed to conduct a reasonable investigation into my claim and relied entirely on carrier-provided tracking information without considering the possibility of loss, misdelivery, or damage. I was not provided with sufficient evidence such as delivery photos, driver confirmation, weight scans, or proof that the package was securely delivered to me. I made a good faith effort to resolve this issue directly with both Klarna and the merchant, XXXX XXXX, but the issue remains unresolved. As a result, I am being held financially responsible for merchandise that I did not properly receive. I am requesting that Klarna conduct a thorough reinvestigation of this dispute and issue a refund for the transaction. Their current response does not meet fair billing dispute resolution standards. I am also requesting documentation of the investigation Klarna performed, including what evidence was reviewed in making their determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
This Emotional toll has been very overwhelming. I have lost sleep experienced embarrassment of being turned away by landlords for something that I believe shouldnt even be on my record. This has impacted not only me but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FCRA which prohibits. They furnished this account that didnt agree upon, and i didnt sign an agreement on. A legal contract is signed by XXXX parties and i did not participate in any of it. They didnt follow the proper XXXX step validation procedure. According to the FCRA, Im entitled to compensation for these violations and clearly they violated my rights. And abused my privileges. I demean this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I contacted synchrony XXXX pay XXXX times now for a dispute charge I was informed the last time I spoke to them around XX/XX/XXXX that it had been filed however that was not the case and I had to file it today on the XXXX because the previous agents had lied to me and not filed or taken care of this issue

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/year> I visited my local Chase branch in XXXX XXXX and formally raised concerns about AI agent deployment and customer account disclosure. A Vice President level branch manager personally escalated my concern to Chase corporate the same day describing my inquiry as questions about AI agents and privacy policies. Corporate committed to contact me directly. No contact was received. I sent a written follow-up on XX/XX/year> formally documenting XXXX specific questions about whether Chase deploys AI agents on customer accounts, whether AI agents are disclosed in customer agreements, and whether customers can opt out of AI agent involvement in account decisions. As of XX/XX/year> XXXX business days after my written follow-up no response has been received from Chase. No case number has been assigned. No written acknowledgment has been provided despite a VP level escalation and formal written follow-up. I am requesting CFPB review of whether Chase 's failure to respond to formal customer inquiries about AI agent deployment meets adequate consumer protection and transparency standards. A redacted copy of my written follow-up email is attached as supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Failure to reasonably investigate Reporting inaccurate information They responded on record They admitted data changes They still didnt prove the debt Verified AND modified = prior inaccuracy No MOV provided No documentation provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Over charged a amount that is not accurate, after creditor closed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am filing this complaint against American Express National Bank regarding their failure to properly investigate and resolve a fraudulent charge on my account. On XX/XX/year>, a charge from XXXX XXXX XXXX appeared on my American Express Platinum Card. I did not authorize this transaction and have never conducted business with this entity. I promptly reported this charge as fraud. American Express initially issued a provisional credit, but later reversed it after claiming that I had provided my account information to the merchant. This conclusion is incorrect and appears to rely solely on statements from the merchant. I disputed the charge again, and the same pattern occurred : a temporary credit was issued and then reversed. American Express has now formally denied my claim and closed the case. At no point has American Express provided any verifiable evidence that I authorized this transaction. Despite multiple requests, they have failed to provide : Any signed authorization or agreement Any authenticated transaction record IP address, device identification, or geolocation data AVS/CVV verification tied to me Any communication between myself and the merchant Instead, American Express appears to have relied solely on merchant assertions. This does not meet the requirement of a reasonable investigation under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). Additionally, American Express has mischaracterized this matter as a cancellation or merchant dispute, despite the fact that I never authorized the transaction in the first place. They have repeatedly reversed provisional credits without substantiating their decision with evidence and have improperly placed the burden on me to resolve the matter with the merchant. I am requesting that the CFPB require American Express to : Reopen the investigation under the proper classification of fraud/unauthorized use Provide verifiable proof of authorization, if such evidence exists Permanently remove the charge from my account Reinstate all reversed credits Ensure that no negative reporting results from this matter I acted promptly and in good faith in reporting this fraudulent activity. American Express has failed to meet its obligations under federal law. I am seeking immediate resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO Scam of Mortgage Payments We have been paying BMO monthly mortgage payments 100 % on time. As a surprise all of sudden, BMO started asking huge money and said we can not work with XXXX County on Property Tax matter and have to pay to them. We do not have even escrow for property taxes as been paying directly to XXXX County. On contacting XXXX County we came to know that BMO is doing scam. Here is BMO scam : - BMO all of suddent stops taking payments ( principal and interest ) and saying we are not paying. We have audio recordings/ emails/ notices/ certified mails all proof agaist BMO that they denied taking payments. -BMO is artificially interfering to trouble customers and saying they will not honor XXXX XXXX XXXX where they clearly are working on my XXXX XXXX refund directly with me and it takes time. There is no default and infact XXXX XXXX XXXX personally gave letter for lender BMO that matter is active between owner of home directly with XXXX XXXX. - BMO despite legally receiving notice, kept on ignoring XXXX County legal letter and my notice. - BMO start threaning for foreclosure and calling past many months XXXX different people asking issues from start and taking hours/weeks/months making us repeat the same story again and again. - XXXX County Assessor and team are also helless along with us on BMO 's such behavior. - I sent BMO invoice of {$120000.00} og legal fees, which they are not paying and its past due. - I filed arbitrary case agaist them and they denied to come in court. - BMO has no reason to deny taking monthly agreed principal and interest. - BMO reported missed payments to credit bureau and I lost {$400000.00} in my business due to that and ongoing losing money in hundreds of thousands. - BMO when I sent cheque to them directly for my monthly principal and interest, they ate that payment and did not apply towards my mortgage. We have XXXX of BMO phone recordings, certified mails and emails to support above fact is 100 % true.

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