vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Timeline XXXX My checking account at XXXX XXXX XXXX was frozen by the bank due to someone tried to impersonate me at a branch and access my account- the bank did not allow access - this required me to go to a bank branch to close the account and start the process to transfer my funds from the old account to a new account XX/XX/year> - morning - My American Express credit card statement was due ( {$50000.00} ) - because my payment was on auto pay, American Express tried to withdraw this from my old account, by the amount not able to be withdraw as my account was closed. XX/XX/year> - afternoon - My XXXX XXXX XXXX checking account was reopened, and I tried to pay the entire card statement amount of {$50000.00} - however, the AMEX system only allowed me to pay {$14000.00}, which was the outstanding balance assuming the {$50000.00} has been paid ( even though ) the {$50000.00} payment did not go through XX/XX/year> - The first day the American Express system allowed me to make the rest of the statement balance, I made the payment of {$35000.00} which was the rest of the monthly payment. XX/XX/year> - American Express charged me {$760.00} in interest charges XX/XX/year> - American Express charged me another {$320.00} in interest charges XX/XX/year> - Through a chat, I asked American Express to reverse the interest charges, and the reason I incurred the charges is because the American Express system would not allow me to pay the statement balance due to their system limitations - after my conversation, American Express said they could credit me {$320.00} but for all of the interest charges. They said they can't reverse all of the interest charges because their " hands are tied as we have to follow the set policies '' I would request that the fully amount of the interest charges be reversed given the only reason I was charged interest is because the American Express system did not allow me to make the full statement payment on XX/XX/XXXX, and the first day I was able to make the remainder of the statement payment, XX/XX/XXXX, I did. Thanks for your help with this. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Brett M. Borland, P.C.
State: GA

Complaint narrative:
They call me pretending to be a.lawyer collect on behalf of XXXX XXXX XXXX. Brett M Borland pcXXXX XXXX XXXX same company. XXXX XXXXXXXX {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Date : XX/XX/XXXX Capital One XXXX XXXX XXXX RE : Savor Rewards Card Missing {$200.00} Promotional Credit Account Opened : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the denial of the {$200.00} cash bonus on my Savor Rewards account. I have been a loyal Capital One customer since XXXX and currently hold four separate cards with your institution. On XX/XX/XXXX, I applied for the Savor card through an advertisement promising a {$200.00} bonus after spending {$500.00} within 3 months. With holiday shopping and a baby on the way this month, this promotion was the specific reason I chose to expand my relationship with Capital One. Upon calling to verify my bonus, a representative informed me that I had been approved for the " Good Credit '' version of the card, which does not include the bonus. While she noted that a letter was mailed stating I was approved for " Good Credit, '' this is highly misleading for several reasons : Lack of Transparency : I applied through a " See if you're pre-approved '' ad that prominently featured the {$200.00} bonus and " Excellent '' credit tier. At no point during the application was it made clear that I was being funneled into a version of the card that stripped away the advertised rewards. Convoluted Navigation : The representative suggested I should have navigated through multiple sub-menus on the website to select " Excellent Credit '' manually. As an app user, these " options '' are not visible or intuitive. Credit Standing : I have an excellent credit score. There is no reason I should be denied a promotion that I am qualified for, especially compared to the transparent experiences Ive had with other banks like XXXX XXXX. As a customer who has trusted Capital One with my business for over 15 years, I am confident that you will see the unfairness of this situation. I hope we can resolve this as a matter of customer loyalty so I can continue to recommend Capital One to others. I look forward to seeing the {$200.00} credit on my next statement. I look forward to your prompt resolution. Sincerely, XXXX XXXX XXXX Savor Card Account Number Ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Thank you for your previous response from Synchrony, citing the contractual language regarding the delayed restoration of available credit. To close this matter, I am requesting clarification on one operational point. 1. Once an ACH payment has fully cleared the originating financial institution and successfully posted to the Synchrony account, what governs the timing of restoration of available credit? Specifically : 2. Is restoration tied to the confirmation of final settlement from the originating bank? 3. Is there a defined maximum duration for post-settlement holds? 4. Does Synchrony apply any internal review period, beyond bank clearance, and if so, what is the typical timeframe? My questions pertain only to post-settlement timing and not to merchant hold authorization holds prior to the posting. I am seeking a clear explanation so I may determine whether continued use of this product aligns with my expectations and financial needs. I look forward to your clarification.

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 2026-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), ( 15 U.S.C. 1681 ) I have a right to how my credit is collected and used to ensure accuracy, fairness, and privacy. The creditors violated my rights. 15 U.S.C. 1681b ( ii ) A Consumer Reporting Agency ( CRA ) can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), ( XXXX XXXX. XXXX ) I have a right to how my credit is collected and used to ensure accuracy, fairness, and privacy. The creditors violated my rights. XXXX XXXX. XXXX ( ii ) A XXXX XXXX XXXX ( CRA ) can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV Funding LLC has been repeatedly contacting me regarding an alleged debt. I continue to receive multiple emails from them attempting to collect this debt. I have requested that they stop contacting me, but the communication continues. Their repeated contact is unwanted and feels like harassment. This behavior violates my rights under the Fair Debt Collection Practices Act. I am requesting that LVNV Funding LLC immediately cease all communication with me regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
This debt collector has put the same debt on my credit numerous of times causing my credit to decrease causing me to not be able to get an apartment. I was denied a job because of my credit because it wouldnt be a XXXX if this didnt appear so many times every time they put it on there my credit score goes down.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
I am writing to formally request the discharge of all student loans held by Navient due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. Also, my federal student loan from Navient transitioned to Department of EducationXXXX XX/XX/year>. Navient continuously deceived me, diverting me from income-driven repayment options, which would have afforded me the opportunity to make payments that were potentially more affordable and eligible for eventual forgiveness. However, the company pressured me to enter determent or forbearance period, causing my loan balance to inflate due to capitalizing interest. This form of financial manipulation has led to years of monetary strain on myself as a single mother of a dependent. Additionally, at times Navient has a history of misreporting my payment status to credit agencies, severely damaging my credit score. Navient s actions has significantly harmed me financially, caused mental and physical distress as I suffer from migraines and have prescription medication for anxiety that both triggered by stress, and prolonged burden that could have been bypassed with integrity and proper guidance. As borrowers we rely heavily on Navient s advice and honest direction to manage and monitor my student loans to be fully forgiveness.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/year> I deposited {$900.00} cash at a Chase ATM outside a branch location. I inserted the entire amount at once and heard the ATM counting the bills. The machine then froze and printed a receipt instructing me to call Chase. No money was returned to me. I filed a claim and Chase issued provisional credit, but later reversed the credit and denied the claim. Chase states they have video of me holding money after the transaction which can be completely true as I did not insert all the cash I had on me at the time. I believe the ATM malfunctioned. No cash was returned to me just a receipt to call Chase I am requesting a second-level review of the ATM error logs, transaction records, and reject bin audit for that machine. The reversal of the provisional credit caused my account to become negative in XX/XX/year> And my paychecks to be taken. I am requesting restoration of the {$900.00} deposit and removal of any related fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My account is on hold as XX/XX/year> due to alleged check fraud. I called into Truist customer service to see why and they had no answers. I spoke to at least 7 different people throughout day to figure out why I cant access my funds. And no one had any real answers other than check fraud. I have never used a check nor gotten checks for any of my account since I have been with Truist. I dont have access to my funds which is causing an issue I have bills to pay and children to feed. I smell a lawsuit coming.this has deeply affected my way of living. On top of all that the funds in the account are mine, they werent any funds that came into the account due to this alleged check fraud!

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 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This complaint is against ( PRA ) Portfolio Recovery Associates for false allegations of a notification letter. I filed a complaint I with CFPB # XXXX. XXXX responded to the complaint stating, they sent me a notification on XXXX, 2020. However, on XXXX. XXXX, in court the lawsuit, PRA attorney informed the judge a validation package was sent to me on XXXX. He did not present any documentation for support. Which I never received, and this information was not documented in the complaint I filed with the CFPB # XXXX. PRA has a judgement against me ; I do not know if the information is correct. They are in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

Complaint narrative:
I am submitting a complaint regarding a collection account being reported and collected by TekCollect for {$1600.00} related to XXXX aligner treatment in XXXX. The treatment was not successfully completed and resulted in damage to my bite. Before the issue could be resolved, XXXX ceased operations and stopped providing customer support or treatment services. Despite the treatment being incomplete and harmful, this balance was sent to collections and is now negatively affecting my credit. I dispute the validity of this debt because the services were not completed as agreed and caused dental issues. I am requesting that this collection account be investigated and removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: AZ

Complaint narrative:
There is a charge on my account for {$1000.00} on XX/XX/year> for " PP Credit Coach '' that I did not authorize. I have never engaged in debt counseling, credit coaching, or marriage counseling services, nor did I consent to any transaction with this merchant. According to the investigation summary, Citi concluded that the transaction was valid because my chip was used and additional purchases occurred after a magnetic strip transaction. However, this conclusion does not align with the actual transaction details on my account. The {$1000.00} PP Credit Coach charge occurred at the exact same date and time as a legitimate car wash transaction on XX/XX/year>. XXXX separate merchants can not legitimately process transactions at the same exact time using the same physical card. This alone raises serious concern about the validity of the PP Credit Coach charge. Additionally, the car wash and it's charge statement is located in XXXX, AZ while the PP Credit Coach charge is reported to be in XXXX, AZ, in which I was not present in XXXX that day. When I originally looked at the transaction history, the charges were timestamped for the same exact time. PP Credit Coach does not appear to be a legitimate or verifiable business, and we have confirmed it is not a Pay Pal charge. There is no clear company information, no identifiable physical address, and no valid customer service phone number available.Citi Bank has been unable to locate or contact the merchant directly, this strongly suggests a fraudulent or scam operation. I have been disputing this transaction with Citi Bank since the fraudulent charge in XXXX with no resolution. Citi Bank has not fulfilled their due diligence in investigating this charge. They repeatedly just state they have " reopened the fraud dispute '' but has not provided any resolution with a complete stall for the lastXX/XX/XXXX months. This was a charge that was paid in full by me, unfortunately unknowingly due to autopay.

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 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this complaint regarding the denial of my Citi XXXX AAdvantage Globe Mastercard application dated XX/XX/year>. Citibanks adverse action letter states that my application was denied due to the following reasons : A garnishment, attachment, foreclosure, collection action, or judgment recorded on my credit bureau report Too many recent credit inquiries Delinquent credit obligations recorded on my credit bureau report However, after carefully reviewing my XXXX credit report, which Citibank states was used in making this decision, I have confirmed that none of these conditions exist on my credit file. Specifically : My XXXX credit report shows no collections accounts My XXXX credit report shows no public records, judgments, foreclosures, or bankruptcies My credit accounts show no late payments or delinquent obligations I have attached screenshots from my XXXX credit report demonstrating that : The Public Records section shows no bankruptcies or legal records The Collections section shows no accounts in collections My open accounts reflect zero late payments Therefore, Citibank appears to have relied on incorrect, outdated, or unverifiable information when making its credit decision.

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 2026-03-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My mother died on XX/XX/XXXX. She had a living trust stating all accounts at time of death are included in the trust. I am the TTEE for her estate. She had both a CD ( around {$100000.00} ) and a savings account ( around {$100000.00} ) with Capital One. I contacted Capital One on XX/XX/XXXX to inform them of her death and requested information on how to close out these accounts. They opened a case, # XXXX, and emailed me instructions on what paperwork to send in. On XX/XX/XXXX, I sent in : Death Certificate, XXXX, and all paperwork included in her trust. I did not hear anything and called back on XX/XX/XXXX and the person said the complete documentation requested had not been sent in. I resent all the documents again on XX/XX/XXXX. Capital One was requesting a Letter of Administration ( doc 1 ) or a Letter of Testamentary ( doc XXXX ) which are both documents for estates that go thru probate, not for estates with a Trust. I called again on XX/XX/XXXX and was told it would take XXXX days for a person in the " deceased client '' group to review the paperwork. I called again on XX/XX/XXXX and the person I spoke with did not know anything about the case. On XX/XX/XXXX, I received an email from Capital One again requesting a copy of doc 1 and doc 2. I sent an affidavit from my attorney, along with all the previously submitted paperwork on XX/XX/XXXX stating I was the TTEE for this estate. Capital One is came back saying once again they doc 1 and doc 2 which are not necessary when there is a trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/year>, I was targeted by a professional social engineer who exploited my documented XXXX ( XXXX and XXXX XXXX ) to induce a severe clinical manic episode. During this state of incapacity, I was induced to transfer approximately {$11000.00} via Navy Federal Credit Union, XXXX, and XXXX XXXX XXXX the Base network ) into a 'Honeypot ' fraudulent contract (XX/XX/XXXX Institutional Negligence ( Navy Federal ) : I exhibited frantic, atypical behavioral patterns, specifically calling repeatedly to override high-risk security limits. Despite being a member with a XXXX, the bank failed to trigger 'Vulnerable Customer ' protocols or a mental health hold, allowing the removal of funds during a medical crisis. Facilitation of Malicious Assets ( Exchanges ) : Coinbase/Base facilitated the trade for the XX/XX/XXXX token despite its own third-party auditor ( Blockaid ) flagging the contract as 'Malicious. ' The institutions provided the fiat-to-crypto infrastructure for a known fraudulent asset, breaching their Duty of Care and Consumer Protection obligations. Lack of Capacity to Consent : I am formally reporting this as Financial Exploitation and Inducement of a Vulnerable Adult. I lacked the legal capacity to provide informed consent due to my clinical state. My 'authorization ' was coached by a criminal actor and was a direct result of my XXXX being weaponized.

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