vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Subject : Formal Billing Dispute Recurring Unauthorized Charges from XXXX CFPB, I am writing to formally dispute a recurring unauthorized charge of {$21.00} from XXXX. I have contacted American Express on numerous occasions regarding this matter, yet the charges persist despite clear evidence that no authorized account exists. Although XXXX previously claimed an account was associated with my email ( XXXX ), I have confirmed the following : System Errors : Attempting to access this purported account results in a consistent error message ( " An error has occurred. Try reloading '' ), preventing any management of services. Confirmed Closure : On XX/XX/year>, I spoke directly with a XXXX representative who confirmed the account was closed and assured me that no further funds would be withdrawn. Recurring Unauthorized Billing : Despite these assurances and my previous disputes with American Express, an additional charge of {$21.00} was processed the following month. I possess screenshots of the account access errors and recorded conversations with XXXX representatives confirming the termination of the account. I request that American Express permanently block this merchant from my card and reverse the unauthorized charges immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: CO

Complaint narrative:
Sallie Mae repeatedly calls and harasses family members and discloses personal information and intimidates family remembers by telling them they have all of their information. I never authorized this and this is harassment. They debt should not be reported as default. I informed the school i was enrolled and taking college courses numerous times and they never processed me request to defer my student loan and they reported my loan as default

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
Yes, I got fraud out of XXXX bucks on chime, this person made a deposit from my bank to chime and they sent XXXX bucks thru, I contacted chime but they denied me and I told my bank my card was stolen and they put a hold on my account but I thought chime would refund my money but they didn't

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Company Name : Bank of America Product : Credit Card Issue : Inadequate investigation of a dispute Part 1 : What Happened ( The Narrative ) On XX/XX/XXXX, I purchased a travel medical insurance policy from XXXX XXXX for {$2900.00} to cover my XXXX parents. XXXX accepted this premium with full knowledge of their ages and medical history. Throughout XXXX, I submitted multiple medical claims. Instead of processing them, XXXX engaged in a pattern of " bad faith '' stallingrepeatedly demanding documents already provided. This process was intentionally drawn out by the merchant. In XX/XX/XXXX, the outcome of these claims was finally realized : the merchant issued {$0.00} in reimbursement, effectively providing no service for the {$2900.00} premium paid. I filed a dispute with Bank of America ( Claim ID : XXXX ) for Merchant Misrepresentation and Services Not Provided. On XX/XX/XXXX, the bank denied the claim, citing a " 60-day notification period. '' Part 2 : Why the Banks Response is Inadequate Bank of America is incorrectly applying the Fair Credit Billing Act ( FCBA ) 60-day billing error timeline to a Visa Network Service Dispute . XXXX. Visa Discovery Rule : This is a Visa Reason Code 13.1 ( Services Not as Described ) dispute. Per Visa regulations, the dispute window begins on the " Discovery Date '' of the breach of contractwhich was XX/XX/XXXX, when it was confirmed that XXXX provided {$0.00} coverage. XXXX. Evidence of Breach : I am providing the medical billing statements showing {$0.00} reimbursement from XXXX. This is conclusive proof that the merchant failed to provide the insurance services as described at the time of purchase. XXXX. Failure of Duty : Bank of America has refused to conduct a manual compliance review, choosing instead to rely on an automated " 60-day '' filter that does not apply to merchant misrepresentation and delayed discovery cases. Attached are : XXXX Purchase Confirmation : The Medical Bill : Clearly showing the {$0.00} insurance payment. BofA Denial Letter : ( The XX/XX/XXXX letter citing the 60-day rule ).

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 2026-04-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: AR

Complaint narrative:
I requested a replacement card after having issues with my original card. I was informed that the card had been mailed, but I did not receive it. Later, I was told that the card was delivered to a different address ( my grandmothers address ), and that someone named XXXX may have received it. This is concerning because I do not know anyone by that name. I contacted customer service multiple times to report the issue and request clarification. Each time, I was asked to verify my identity, but I have not received clear answers about who accessed my account or why the card was sent to a different address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I had a membership with XXXX XXXX. Due to losing my bank cards, my automatic payments stopped going through. I proactively called XXXX XXXX and provided my new card information to get my account current. The representative told me the payment did not process and my card information was not taken. Approximately XXXX weeks later, XXXX XXXX charged my card without my authorization or any prior notice, despite previously telling me the card information did not go through. Because this was an unauthorized charge, I contacted my bank and filed a chargeback. Following the chargeback, XXXX XXXX sold the {$120.00} balance to First Credit Services, who then reported it to XXXX as an unpaid debt collection account. I filed a dispute with XXXX explaining that this debt stems from an unauthorized charge that I disputed through my bank. XXXX responded that the debt was verified as accurate and the item remains on my credit report. I am requesting the CFPB investigate this matter as the debt reported by First Credit Services is not valid. It is the result of an unauthorized charge by XXXX XXXX after they retained my card information without my consent and charged it without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/year> I was on a used used car loan thru Westlake Finacial Services. I made my car payment on Due date on XX/XX/year> for {$280.00} on XX/XX/year> like I was supposed to. Westlake Financial Services sent me a Conformation of payment with a Conformation of payment number proving that they received my payment on XX/XX/year>. However after this conformation of payment they claimed they never received the payment saying I was in default of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: LA

Complaint narrative:
I have been homeless for sometime, staying in hotels until money runs out. Back in XXXX my family helped me get an apartment, my XXXX benefits wasn't ( the message said to contact issuer ) on my XXXX XXXX card. I had my brother to call the number on the card and I tried to explain what happened when i went to draw cash off of the card. I had to send in a picture of my ID and wait up to 48 hours for an email then call them back. We called and would be on hold for hours at a time and one person would say that another card was mailed out, expect it in 5 - 10 business days. 2 weeks later no card, called again, they said it was lost in the mail another card would be mailed out. Finally after my family members started talking to different people, one person said for {$13.00} they could have a new card sent by express mail with ups. Finally recived this card over a month later. Activated the card, left {$190.00} on the card because i didn't have quite enough for light bill deposit. When it was time for the new benefits to come on my new card for XXXX, I am not able to access these funds, my family called and I was told to send a picture ID in and watch for email once again, sent the picture ID, I still haven't received an email and noone will answer our phone calls. My family has to put in the card number information and we stay on hold until there is a ringback and the phone hangs up. I looked at the complaints that have been made on XXXX XXXX and the complaints are similar. The Social Security office said they can not do anything about the funds that are already sent to XXXX XXXX, but I was told that we could change funds to go to a bank account, so my XXXX payment will not go to XXXX XXXX How do i go about getting my money back if they won't take my calls? I spoke to several others that have had problems with this same card. Please investigate this company because a lot of us don't have access to computers and don't have phones, so some people probally aren't getting their money back if noone is helping them. Please don't allow this to keep going on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
In or around XX/XX/XXXX, my credit card APR was increased from 19.49 % to 32.74 %. I have a perfect payment history and did not receive any advance written notice of this increase. After discovering the increase, I contacted the company. In response, they sent a generic card agreement reflecting the current APR, which did not address my dispute or provide proof that proper notice had been given. I then sent a formal written dispute by both certified and regular mail to the companys Executive Review Department. The letter was picked up on XX/XX/XXXX. In that letter, I requested a copy of the alleged APR-increase notice, the date it was generated and mailed, and proof of mailing. I also requested reinstatement of my prior APR and a recalculation and credit of all interest charged in excess of that rate if proper notice can not be demonstrated. As of XX/XX/XXXX, I have not received any response to my written dispute. The company has failed to provide proof of notice and has not addressed my request for correction. The increased APR has remained in effect from approximately XX/XX/XXXX to the present, resulting in a prolonged period of excess interest charges. During a phone call with customer service on XX/XX/XXXX, I was informed that there are no records indicating who, when, or why the APR change was made. The representative also confirmed that my account previously carried an APR of approximately 19 % and is now subject to a variable APR of approximately 32.49 %. As a result of the increased APR, my balance has accrued significantly more interest over time, prolonging repayment and increasing the total cost of the account beyond what it would have been under the prior rate.

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 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am submitting this complaint against LVNV Funding LLC for failure to properly validate multiple alleged debts, as required under the Fair Debt Collection Practices Act ( FDCPA ). I formally requested debt validation for accounts reported under my name. However, LVNV Funding LLC failed to provide proper validation for any of the accounts listed below : 1. Reported Balance : {$1100.00} Date Opened : XX/XX/year> XXXX. Reported Balance : {$1200.00} Date Opened : XX/XX/year> XXXX. Reported Balance : {$1500.00} Date Opened : XX/XX/year> Despite my request, I did not receive sufficient documentation to validate these debts. Specifically, LVNV Funding LLC failed to provide : * A signed contract or agreement bearing my signature * Complete account statements * Proof that I am legally obligated to pay these debts * Documentation showing how the amounts were calculated Additionally, there are serious inconsistencies between the accounts, including different balances and conflicting information, which raises significant concerns about the accuracy and legitimacy of these alleged debts. Because LVNV Funding LLC has failed to properly validate these accounts, I formally dispute all three debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: OH

Complaint narrative:
I was dm on XXXX on the XXXX of XXXX that I won the sum of {$10000.00} I was happy and curious because my account is new so I question them and they show me a chime workers ID card so they sent me a link to submit my chime information once I submit everything the agent said I need to start saving on my account so I can be eligible to receive the winnings I start saving since XXXX of XXXX until XXXX of XXXX after I made a deposit and I login to confirm my account balance all I saw was an empty account I cried and call a friend who told me to make a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In early XX/XX/year>, funds were withdrawn from my individually owned savings account without my authorization. An IRS tax refund was deposited into my personal savings account, of which I am the sole owner. Shortly after the deposit, Navy Federal Credit Union removed funds from that account and applied them to a negative balance associated with a separate joint checking account. I did not authorize this withdrawal. The negative balance was related to a disputed transaction on a different account. I am not responsible for that transaction, and it did not originate from my individually owned account. I contacted Navy Federal through their secure messaging system and requested the contractual authority, legal basis, and documentation supporting the withdrawal and application of my funds. Navy Federal did not provide this information. Instead, they stated that I am no longer connected to the joint account and could not be provided information about it. This response does not address the issue, as the withdrawal occurred from my individually owned account. No explanation or documentation has been provided showing that Navy Federal had authority to remove funds from my account to satisfy a balance associated with a separate account. This appears to be an unauthorized withdrawal and improper cross-account action involving funds belonging to a non-liable party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Delays in Refund of GAP Insurance Products- Toyota Financial Services owes me $ XXXX of unpaid GAP insurance products, plus 10 % Interest per year for delays totaling over XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Improper Denial of Mortgage Assistance Despite Cure Payment and XXXX Hardship Complaint : We are submitting this complaint regarding the handling of our mortgage account by Wells Fargo Home Mortgage. The borrower suffered a permanent XXXX due to an injury, resulting in a temporary inability to make mortgage payments beginning XX/XX/XXXX. We proactively communicated with Wells Fargo and advised that we would bring the loan current upon receipt of pending settlement funds related to the injury. Despite this : Wells Fargo issued a Notice of Default dated XX/XX/XXXX, demanding approximately {$8000.00} to cure the default We subsequently received settlement funds and made a catch-up payment of approximately {$10000.00}, curing or substantially curing the default as promised Prior to and after this payment, we submitted multiple requests for mortgage assistance However : Wells Fargo denied assistance multiple times, including a denial dated XX/XX/XXXX, stating the loan was not eligible for review The denial failed to account for : The borrowers permanent XXXX The borrowers good-faith effort and actual payment curing the default Wells Fargo continued to issue foreclosure warnings despite borrower compliance Additionally : The loan balance is approximately {$95000.00}, while the property value is approximately {$600000.00}, meaning foreclosure is not economically necessary The handling of this account appears to be automated and not based on actual borrower performance or updated financial status We believe this conduct may violate obligations under : Real Estate Settlement Procedures Act We Request : Immediate escalated manual review of our account Confirmation that our recent payment has been properly applied A foreclosure hold Reconsideration for loss mitigation or repayment options Full disclosure of any NPV evaluation inputs used in denial Correct any and all derogatory Credit Reporting. Please treat this complaint as a request for information and notice of error regarding the failure to reassess the loan after cure.

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 2026-04-05 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: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
b'I am submitting this complaint regarding Consumer Portfolio Services, Inc. (CPS) for continued collection activity and inaccurate credit reporting on an account that has been paid in full and legally satisfied.\nKey Facts\n\tThe auto loan obligation was paid in full \n\tThe lien was released, and I obtained a clean vehicle title \n\tI submitted a debt validation request, which CPS failed to properly satisfy \n\tCPS received certified correspondence (Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX) containing: \no\tA sworn Affidavit of Debt Satisfaction \no\tA clean title confirming lien release \nDespite having actual notice and proof, CPS continues to:\n\tReport the account as unpaid \n\tFurnish inaccurate information to credit reporting agencies \n\tFail to correct known errors \n________________________________________Legal Violations\nFair Credit Reporting Act (FCRA):\n\tFurnishing information known to be inaccurate (15 U.S.C. 1681s-2(a)(1)(A)) \n\tFailure to conduct a reasonable investigation after dispute (15 U.S.C. 1681s-2(b)) \nFair Debt Collection Practices Act (FDCPA):\n\tMisrepresentation of the legal status of a debt (15 U.S.C. 1692e) \n\tUnfair collection practices (15 U.S.C. 1692f) \n\tContinuing collection without proper validation (15 U.S.C. 1692g(b)) \n\XXXX Law:\n\tRSMo 407.020 Deceptive merchandising practices \n\tRSMo 407.025 Consumer private right of action \nCPSs continued reporting and collection after receiving sworn proof constitutes willful or negligent noncompliance.\n________________________________________\nHarm\n\tOngoing credit damage due to inaccurate reporting \n\tTime and expense disputing false information \n\tEmotional distress caused by improper collection activity \n________________________________________\nAttempts to Resolve\nI attempted to resolve this directly by:\n\tRequesting validation \n\tProviding sworn proof of satisfaction \n\tDemanding correction and cessation \nCPS has failed to comply or correct the issue.\n________________________________________'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
On or about XX/XX/year>, I disputed an account reported by Jefferson Capital Systems with XXXX The account was verified without any documentation being provided to me. I have requested full validation of this alleged debt, including a copy of the original signed agreement, full account history, and proof that Jefferson Capital Systems has the legal right to collect this debt. As of today, no such documentation has been provided. Despite the lack of validation, this account continues to be reported on my credit report. This is an attempt to collect a debt that has not been properly verified. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to validation of this debt. Reporting and attempting to collect a debt without proper validation is a violation of my rights. I am requesting that Jefferson Capital Systems either provide full and complete validation of this debt or immediately delete this account from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief