vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am filing this complaint because XXXX XXXX ( XXXX ) has denied a promised {$400.00} High Yield Savings Account ( HYSA ) sign-up bonus based on a technicality caused by their own internal processing delay and a mathematical error by a supervisor. Timeline of Events : XX/XX/XXXX : I opened my new HYSA. XX/XX/XXXX : I deposited {$25000.00} via mobile check deposit ( Day 21 of the 30-day funding window ). XX/XX/XXXX XX/XX/XXXX : XXXX held the funds for 11 days. During this time, the bank acknowledged receipt of the funds by paying interest on the full {$25000.00} balance starting XX/XX/XXXX. XX/XX/XXXX : The funds became " Available '' in my account balance. The Dispute : XXXX has denied the {$400.00} bonus, claiming the funds were not " Available '' by the XXXX day. On XX/XX/XXXX, I spoke with a supervisor XXXX on chat [ chat id XXXX XXXX ] who attempted to justify the denial using incorrect calendar math. The supervisor explicitly claimed that XXXX has 31 days to argue that my XXXX window ended on XX/XX/XXXX. Even after I corrected her ( XXXX has 30 days ), she refused to acknowledge that XX/XX/XXXX was the XXXX day. Furthermore, XXXX terms state that holds generally last 5 business days. Because XXXX chose to apply a non-standard 11-day hold, the " Available '' status was pushed to XXXX XXXX. I acted in good faith by funding the account 10 days before the deadline. Summary of Unfair Practice : It is a deceptive practice to recognize funds as " posted '' for the bank 's benefit ( accruing interest ) while refusing to recognize those same funds for a consumer bonus due to an internal security hold. I am seeking a manual override to credit the {$400.00} bonus as I fulfilled the spirit and the literal timeline of the offer, accounting for standard bank processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a best buy promotional credit card that CITI bank manages. Their entire website for managing your card is broken and full of bugs. The minimum payment setup they have intentionally makes missed payments occur when promotional balances are in fact due and sometimes only a small amount is missed. They then do not update you for months on you owing rake backdated interest so that by the time you see the interest charge their " 60 '' day rule of reversing and fixing these payments becomes null and void. Even though I paid within those two months over promotional balance totals into other amounts they still didn't cover that XXXX dollars. They claim you must call within 60 days but they do not display the interest rake back charges clearly on your account User interface until you miss it. This is clear intentional malfeasance to cause many interest charges. This in my honest opinion is a FTC issue and a class action already exists for these practices. They even long ago once had an option to select promotional balances in the app to pay off first when doing overpayments. They ripped that out and now apparently you have to call them to request specific promo balances be paid off with overpayments. So you have to sit on a phone waiting to talk to someone who usually has no idea what they're doing these days anyways for support in these matters thus making it not worth the effort. This is clearly a racket.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a letter from the collection agency stating that Capital One send my account to them and they said that I owed them {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX from PayPal scammed me for an item I did not get. They are using fake names and identities to continue to use PayPal. They are effectively bypassing PayPals ban systems and they continue to make PayPals to scam. The scammer is now using XXXX as their PayPal .. they are using PayPal to manipulate people into paying for an item through friend and family. I've reported this issue prior to PayPal but PayPal doesn't done anything. XXXX is now XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: GA

Complaint narrative:
I am filing a complaint regarding a persistent and unresolved error in my Public Service Loan Forgiveness ( PSLF ) qualifying payment count administered through Federal Student Aid and my loan servicer. I am a public school teacher in Georgia. I consolidated my federal student loans prior to the XX/XX/year> d eadline under the Department of Educations IDR Account Adjustment guidance. Based on this federal guidance, my understanding was that my prior qualifying PSLF payment counts would be preserved and properly applied to my new Direct Consolidation Loan. However, my PSLF qualifying payment count is incorrect and has not been properly updated or applied. I have made extensive efforts to resolve this issue, including : Multiple phone calls over several years to my loan servicer and Federal Student Aid, six separate PSLF Reconsideration Requests, submission of employment certification documentation. Despite these repeated efforts, the issue remains unresolved. My qualifying payment count does not reflect my actual qualifying public service employment history. I believe this issue may involve : Failure to properly apply the IDR Account Adjustment to my consolidated loan, administrative or servicing errors during or after consolidation, incomplete or inaccurate transfer of prior qualifying payment history Requested Resolution : I respectfully request a full manual audit of my PSLF account, including : Verification that the XX/XX/year> consolidation adjustment was correctly applied, recalculation of all qualifying PSLF payments across my full repayment history, correction of any servicing or administrative errors affecting my account and written explanation of any discrepancies identified As a long-term public school teacher and single parent, this ongoing error has created significant financial stress and uncertainty. I am seeking only accurate application of the federal PSLF program as outlined by Department of Education guidance. Thank you for your time and assistance in resolving this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan servicers : XXXX and Mohela

Company response to consumer: Untimely response
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: LoanCare, LLC
State: TX

Complaint narrative:
I have a VA loan through XXXX, subserviced through Loancare. For at least the past 12 months, I have been charged a XXXX or XXXX dollar Inspection Assessment Fee. When asked I was told that this fee was because they needed to send someone out to make sure the house was still occupied. Each time I log into the company website and every time I call in to make a payment, they ask if the property is occupied and I state that it is, by me. I attempted to call and ask for this fee to be refunded and the company agent disconnected the call, and also did not email me the agreement as they said they would do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Bureau of Havre
State: MO

Complaint narrative:
My wife had medical debt with XXXXXXXX XXXX XXXX in XXXX Montana. She had it in her own name. She had a payment plan set up with the hospital and they sent the debt to a collection agency named Credit Bureau of Havre regardless of the payment plan. The Credit Bureau of Havre sued us jointly for an amount that we had trouble communicating between the collection agency and the hospital if we were still paying them on the payment plan that they sent to the collection agency and sued us and won. My wife set up a payment plan with Credit Bureau of Havre. This collection agency put it on my credit report and then removed it. They are insisting these payments be put on autodraft from our checking account. We have missed a payment for XX/XX/XXXX, today is XX/XX/XXXX and they are calling both myself and my wife leaving messages. I am not sure how they legally included me in these collection attempts as the debt was in my wife 's name only. I also feel like they are not forth coming on the amount owed and what these bills are from. Previously to the lawsuit they sent half page pieces of paper with an amount owed, no explanation of what the amount was for or who the debt was from. They just insisted we pay or be sued. I would like them to cease from contacting me and involving my credit or credit reports at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2026-05-14 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: NY

Complaint narrative:
On XX/XX/year>, I made a purchase at XXXX in XXXX totaling EUR XXXX, split across two credit cards. EUR XXXX was charged to a XXXX credit card and was correctly processed in euros. The remaining EUR XXXX was charged to a Bank of America Visa card. The Bank of America portion was converted to U.S. dollars at the point of sale and posted as {$6200.00}, instead of being processed in euros. This resulted in an overcharge of approximately {$200.00} compared to the euro equivalent. I did not authorize Dynamic Currency Conversion ( DCC ) or request conversion into U.S. dollars for this transaction. At the time of purchase, I specifically requested that all charges be processed in euros. The transaction was split across two cards for the same purchase, and only the Bank of America portion was converted into USD, while the XXXX portion was correctly processed in euros. I disputed this charge with Bank of America twice. Both times, the dispute was denied on the basis that the charge amount was correct. However, the issue is not the transaction amount itself, but the unauthorized currency conversion applied to the Bank of America portion. I am requesting a review of whether Dynamic Currency Conversion was applied without proper consent and a correction of the resulting USD conversion charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
Ive spoken with XXXX, XXXX XXXX XXXX XXXX XXXX and Ive just been getting the same we dont care attitude. While still trying to garnish my wages on a fraudulent account. When I asked for proof of the original contract back in XXXX of this year the employee said We dont look for signatures because most accounts are made online. Well I reached out to XXXX XXXX and got the original contract and have proof that its not my hand writing at all but they still dont want to admit their mistake. XXXX send a picture with the original contract with someone else using my name for the signature vs my social security signature and youll see its not the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been experiencing an unresolved technical issue with the Bank of America application for over one month. The communications/Inbox section consistently displays a technical error message and does not load any notifications or communications. I contacted technical support multiple times, but the issue remains unresolved. Representatives repeatedly stated that my inbox shows " empty results '' and said they could not fix the problem. I also experienced dismissive and unprofessional behavior during these interactions. Additionally, I attempted to access the Bank of America secure message center to submit a written complaint, but the message center links also return " Page Not Available '' errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
I am submitting a complaint regarding MOHELAs servicing of my federal student loans, Public Service Loan Forgiveness ( PSLF ) payment tracking, and income-driven repayment calculations. I have maintained qualifying full-time employment in public education since XX/XX/year>. Based on my employment history and repayment timeline, I believe I should have significantly more qualifying PSLF payments credited than are currently being reported by MOHELA. MOHELA is currently showing approximately XXXX qualifying payments, when my count should be substantially higher. In addition, my credit reports contain numerous months listed as unknown payment status related to my student loans. These reporting inaccuracies appear to coincide with loan servicing transfers between servicers, including XXXX, XXXX, and MOHELA. I am concerned that inaccurate reporting and servicing errors have negatively affected both my PSLF progress and my credit reporting history. I am also disputing the calculation of my current monthly payment amount. I do not believe my payment has been calculated accurately based on my financial information and repayment plan eligibility. I am requesting a full review of the income information, household information, repayment plan calculations, and any documentation used to determine my current payment amount. I have concerns that incorrect data or servicing errors may have resulted in an improperly inflated monthly payment. I am requesting : 1. A full audit and recalculation of my PSLF qualifying payment count ; 2. A written explanation for any excluded payment periods ; 3. Correction of inaccurate credit reporting to all credit bureaus ; 4. A full review and correction of my income-driven repayment/payment calculation ; 5. Confirmation that all qualifying employment periods have been properly reviewed and credited. I am also requesting documentation showing how MOHELA calculated both my PSLF count and my current payment amount, including whether any periods or financial information were excluded or misapplied due to servicing transfer errors or administrative processing issues outside of my control.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TransferWise Ltd
State: FL

Complaint narrative:
My checking account was debit/withdraw of {$400.00} on XX/XX/year>. The secondary description says XXXX XXXX and from a company called Wise with a phone number of XXXX. I called Wise provided them the details, but they said they have no information about the transaction. I called my credit union and had them cancel my debit card and send me a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am not sure what is going on, but I have disputed these accounts multiple times and have never received a response. This has become very frustrating, and I am concerned that my efforts to address these issues are being overlooked. If I made an error in the process, it was certainly not intentional, as I have been doing my best to handle this matter properly and in good faith. Please carefully review the attached letter and conduct a thorough investigation into these disputed accounts. I am requesting that my credit report be made complete, accurate, and fully compliant with all applicable reporting requirements as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XX/XX/year> at approxamately XXXX pm, I recieved a call from someone claiming to be a Wells Fargo XXXX XXXX XXXX. They convinced me that my local bank had made some unauthrized transactions on my account. The individual called from a Wells Fargo phone number and even provided me with bogus passcodes in order to coerce and manipulate me into withdrawing XXXX from my savings account and moving into a safe wells fargo account. After an hour of conversation XXXX realizwd that I was being scammed, by then the money had already been taken. I called the Wells Fargo fraud unit to file a claim. 10 days later I received a letter stating that my claim was denied citng that i authorized these withdrawls. While I understand the banks position on authorized withdrawls, they did not take into consideration these factors -Withdrawl amount highly unusual based on my normal account activity -The scam involved impersonation and psycological coercion that would override any reasonale judgement -Custimers are increasingly being targeted by similar scams that exploit fear, urgency and tryst in financial institutions -I am asking that Wells Fargo recognizes the emotional and financial impact that these scams have on their customers and consider how these situations are handled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: MI

Complaint narrative:
I made a dispute in XX/XX/XXXX with cash app and out charges from a XXXX XXXX and i did it the right way and the cash app agent didn't but then in at all so here it comes XX/XX/XXXX and no provisional credit but recieve it from XXXX other charges from same merchant ... cash app agreed they shoukd have been put in when I showed them the proof of me doing everything correct on the online app platform with the agent and said they would fix it .. which they didn't .. made me reduce the claims over only to deny them days later .. but gave me provisional credit for XXXX other charges withvthis merchant .. which all transactions was supposed to be placed together do to it seeing the same merchant .. I had to appeal the claims tht where denied and adding apolice report also .. didn't feel like I had too but im waiting on it to send in.... if they had but them in on the XXXX of XXXX I would have provisional credit like the rest I have provisional credit for ... they are lying about these charges and wnt help me.. when they have refunded me already for 2 of tnem...

Company response to consumer: Closed with explanation