vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 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: CA

Complaint narrative:
Description of complaint : American Express changed its offer price and is not delivering my credit cards rewards. On XX/XX/year> I selected a promotional offer from American Express XXXX for a new business card for my company, offering XXXX rewards points after {$12000.00} in spending. ( screenshot attached ). I was instantly approved. On receipt of card XX/XX/XXXX my acocunt activated showing that Amex had changed the price -- now requiring {$20000.00} before I could receive my rewards. I called and spoke to supervisor and shared the attached screenshot. I was assured my account would be fixed and told to wait XXXX business days to see the change reflected. I continued to spend using their card, but did not see a change reflected. I have since met my spending threshhold of {$12000.00} but am not being rewarded my miles. on XX/XX/XXXX I contacted Customer service again and was told BOTH that my account had been " investigated '' and they determined I was not a part of a $ XXXX offer, and ALSO, that that offer does not exist. ( See screenshots of text exchange ). I continue to see the offer I accepted advertised, even today, and so I applied for it again and the offer was made available to me for {$12000.00} spend to receive rewards. ( see attached screenshots ). I did not accept this second offer but take it as proof that it does exist. As of now Amex is denying that my account has met the criteria for rewards and refuses to deliver my rewards to me. They have changed the price after our transaction and insist that that was what I applied for or selected in the first place. They have not offered any proof of that assertion, and not responded to my provision of screenshots showing the offer I selected. I am paying them $ XXXX for this card and these offer terms, and the value of my purchases that I have made on their card now exceeds {$1700.00} in rewards, at a minimum, based on their own rewards offer valuation. This is deceitful and fraudulent practice, and a quick search online shows that it is widespread

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: COMMERCE BANK
State: FL

Complaint narrative:
To the Commerce Bank Compliance and Fraud Department, I am filing a formal complaint regarding alleged fraudulent wire transfer representations involving your employee XXXX XXXX and his client, XXXX XXXX. I was provided wire transfer information and representations that rent payments had been sent to me on XXXX XXXX behalf. No funds were ever received. I relied on these representations and allowed additional time for payment, which extended XXXX XXXX occupancy and caused me approximately {$22000.00} in losses. I later contacted XXXX XXXX by phone and made him aware of the issue. He stated that the actions described were not something the bank would approve. He also stated that text messages attributed to him by XXXX XXXX were AI generated and that he never texted XXXX XXXX. I specifically requested that this matter be referred for a criminal complaint or fraud investigation, as falsely representing that a wire transfer was sent XXXX constitute criminal fraud. Please investigate all related wire records, account communications, phone logs, and any messages involving XXXX XXXX and XXXX XXXX, and confirm receipt of this complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: TX

Complaint narrative:
I contacted my credit card company within the appropriate time frame to report transactions made under deceptive circumstances. However, no dispute was ever recorded on my account. I am now being denied any review because the transactions are outside the dispute window, despite my earlier attempt to report them. This represents a failure in handling my claim when it was originally made. I am requesting a review of account interaction records and how my report was processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am submitting a complaint regarding inaccurate credit reporting by Capital One. This account was included in my bankruptcy and discharged. However, it is currently being reported with an Unknown account status and reflects continued late payments and charge-off activity after the bankruptcy discharge date. This is incorrect. Accounts included in bankruptcy should be reported as Included in Bankruptcy or Discharged in Bankruptcy with a {$0.00} balance. They should not reflect ongoing delinquency or continued negative activity after discharge. The current reporting misrepresents the status of this account and is negatively impacting my credit profile. I request that this account be properly updated to reflect its inclusion in bankruptcy and that all inaccurate post-discharge activity be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am writing in response to your communication regarding an alleged debt. Under my rights pursuant to the Fair Debt Collection Practices Act, I am requesting validation of this debt. I dispute this debt and request that you provide verification, including : The name and address of the original creditor The full amount of the alleged debt, including any interest, fees, or charges Documentation showing that I am legally obligated to pay this debt A copy of the original contract or agreement bearing my signature Proof that your company is authorized to collect on this debt Until you provide proper validation, I request that you cease all collection activities and communication with me regarding this matter. Additionally, if this debt has been reported to any credit reporting agencies, I request that it be marked as disputed. Please respond to this request within 30 days of receipt of this letter.

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 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Self Financial Inc.
State: MN

Complaint narrative:
I am submitting a complaint regarding inaccurate credit reporting across multiple accounts that were included in my bankruptcy and discharged. Despite being discharged, these accounts are currently being reported with continued late payments, charge-off activity, or inaccurate account statuses such as Unknown. This reporting makes it appear as though I am still actively delinquent on these accounts, which is not accurate. Accounts that are included in bankruptcy should be reported as Included in Bankruptcy or Discharged in Bankruptcy with a {$0.00} balance. They should not reflect ongoing delinquency or continued negative activity after the discharge date. Additionally, one of the accounts involves an auto loan where the vehicle was surrendered as part of the bankruptcy. Despite this, the account continues to reflect late payments beyond the discharge date. This reporting is misleading and is negatively impacting my credit profile. I am requesting that all affected accounts be corrected to accurately reflect their inclusion in bankruptcy and that any inaccurate post-discharge activity be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: MO

Complaint narrative:
I am submitting a complaint regarding a delayed refund related to Public Service Loan Forgiveness ( PSLF ) processed by MOHELA. My federal student loans were forgiven under PSLF, and I am owed a refund of approximately {$15000.00} for overpayments made after reaching my qualifying payment threshold. According to MOHELA, my refund was approved and marked as issued on XX/XX/year>. I was initially advised that the refund would be processed within 90 days. However, more than four months later : I have not received any refund The U.S. Treasury has confirmed no record of any refund request or payment file associated with my account MOHELA has been unable to confirm whether the refund was ever transmitted to the Treasury I have contacted both MOHELA and the U.S. Treasury multiple times : Treasury representatives confirmed that they have not received any refund request MOHELA representatives have stated they can escalate the issue but can not confirm transmission of the refund On my most recent call, MOHELA advised that resolution could take an additional 90 days, with no guarantee of action and no visibility into the status of the refund. This suggests a breakdown in the refund process, specifically that the refund may have been marked as issued internally but was never transmitted to the U.S. Treasury for payment. This delay is financially significant and unacceptable given the timeline and lack of transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Back months ago at least 3 months ago on pay pal I was transferred money from winnings I received from a company. Something movers. ( cant remember exactly the name of who I received. But it was transferred to my PayPal from them. When going to withdraw the money some kind of issue arose with pay pal because I had 2 accounts. They Sent me an email saying it could take up to 120 days for my funds to be released back to me I believe the date they gave was like XX/XX/XXXX but thats more than 120 days and its ridiculous I need access to my money I needed it the day I tried to withdraw it. Ive asked and pleaded other ways but its been impossible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 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: Chime Financial Inc
State: NC

Complaint narrative:
Chime has closed my dispute and refuses to give me my money back on unauthorized charges I didn't make

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I am trying to remove a debit card that I no longer want associated with my XXXXo account. They told me they removed it, but when you log in it still shows on my account and they won't help me get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I am submitting a complaint regarding inaccurate credit reporting on an auto loan account. This account was included in my bankruptcy, and the vehicle was surrendered as part of the bankruptcy process. The debt was discharged ; however, the account is currently being reported with continued late payments after the bankruptcy discharge date. This is inaccurate and misleading. Once a debt is included in bankruptcy and discharged, it should not reflect ongoing delinquency. The account should instead be reported as Included in Bankruptcy or Discharged in Bankruptcy with a {$0.00} balance. The current reporting misrepresents the status of this account and is negatively impacting my credit profile. I am requesting that this account be corrected to accurately reflect its inclusion in bankruptcy and that all inaccurate post-discharge activity be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
I disputed multiple times .. claiming that these accounts were opened fraudulently and mention that I wanted to proof that I actually opened the account and if can't provide that it has to be removed from my credit. I never received any proof. And it's not being take off my credit. And I keep receiving emails asking me to pay. And I lose the dispute. I disputed multiple times. XXXX keep on selling it to other companies to get it paid. And I contacted XXXX even sent them the identity theft form and constantly said it wasn't me who opened the account. But they refuse to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
on XX/XX/year> capitol one bank cashed A XXXX XXXX dollar check that I sent with my statement .they then refused to credit it to my account. THE check was from A friend who had lent me the money .Capitol ONE insists that my friends XXXX XXXXXXXX contest the check as unautherized and then they can return it to him.XXXX refuses since my friend did autherize the check and THERE WAS NO FRAUD. We my friend and I spoke to Capitol one many times but they still did not return the money or credit my account ty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I went to a local 53rd branch on XX/XX/XXXX and opened a business account. I asked the banker that was assigned to me, XXXX XXXX if it is possible to manage both my business and personal accounts within the same app sign in. She said yes but she never did it. She brushed me off as if it was a technicality that would be fixed. I returned again for a second time with a scheduled appointment on XX/XX/XXXX with another banker. When I got there, he was there but he assigned her again knowing I wasnt helped before and nothing was done. Then she asks me personal questions about my business like she knows me personally. For months she consistently called me leaving vague messages about helping me. On XX/XX/XXXX I called the customer service number to Fifth Third Bank to file a complaint but I didnt get anything resolved. They listened to me and then directed me back to the local branch. I had a secure credit card that missed payments and got closed because I had no access to the account. My credit score took a big hit and they still are sending me statements and they wont close my account. I dont want to do any business with them and I want to close and freeze any accounts they have open in my name immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: WI

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Aldous. This account shows a {$0.00} balance, indicating it has been paid or settled, yet it continues to report negative and inconsistent information, including unclear account status and indications of delinquency. I previously disputed this account, and the credit bureau stated that information was updated ; however, the inaccuracies remain. I requested validation of this debt, including documentation supporting the accuracy, original creditor information, and payment history, but no sufficient proof was provided. Reporting a paid account in a misleading or derogatory manner is a violation of the Fair Credit Reporting Act. This inaccurate reporting is damaging my credit and must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: MO

Complaint narrative:
I am a veteran and my spouse is an XXXX military member. I am filing this complaint regarding a loan opened on XX/XX/XXXX, with a principal amount of {$13000.00}. I believe this loan violates the Military Lending Act ( MLA ) and involves deceptive practices identified in recent federal enforcement actions. Because my spouse was on XXXX XXXX at the time this loan was originated, our household is protected under the MLA as " covered borrowers. '' The loan carries a 9.90 % interest rate over a 154-month term, resulting in over {$11000.00} in total interest. My monthly payment of {$160.00} is higher than a standard amortization for this principal and rate, suggesting hidden fees or " add-on '' products. Under the MLA, if these fees push the Military Annual Percentage Rate ( MAPR ) above 36 %, the loan is void from inception. Furthermore, the 12+ year term matches the predatory patterns described in the XX/XX/XXXX FTC settlement against this company ( XXXX XXXX. XXXX ). I contacted the FTC Settlement Administrator, but they stated my account was not on the initial relief list. I believe the company failed to properly identify us as protected military dependents. I am requesting a full accounting of the MAPR and a review for debt forgiveness or loan cancellation due to MLA violations. Quick Tips for the Final Steps : Check the Box : When the form asks if you are a " Servicemember or Veteran, '' select

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One Bank, NA. My adult son has two checking and a savings - and he has a XXXX XXXX XXXX XXXX XXXX XXXX and I'm his court appointed legal permanent guardian. When I had the temp guardianship, I provided docs to Capital One and they moved his accounts to guardianship accounts and added my info so I could access everything. Temp guardianship expired in XXXX XXXX, and I obtained permanent guardianship in XXXX of XXXX. I've mailed all copies of court documents, the court order, and the guardianship letters of appointment along with my front and back of my state issued drivers license. Capital one mailed me a letter saying the docs weren't what was needed. I've called no less than 5 times in the past two weeks trying to access funds because my son was finally approved for SSDI and there is money available, however Capital One will not allow me to access the funds. They directed me to upload all docs - I've done that and even uploaded the entire court case of documents including the order and letters of appointment and my license- to no avail. Cap one keeps sayin to wait, submit the info, or go to a branch. I don't have a branch near by, I've submitted over and over and spent HOURS talking to them. They are making it more difficult for a vulnerable person to get access to funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I have tried reaching out to West Lake Financial multiple times for a resolution. I am often hung up on, sent a history of payments, and treated very poorly. I advised this account is reporting fraudulently on my credit report. This account is keeping me from purchasing a home. They are reporting a XXXX XXXX XXXX, when I have never signed a lease agreement with them, or knew of their company until they started reporting. I advised my wallet was left on my hood and lost around the same time this account opened. Still, they refuse to acknowledge my claim and continue to report inaccurate information on my credit report. They advised this account was sold to them, as some company was going out of business, and they purchase several loans from other companies. I advised them to reach out to the seller, because the information he provided to them is fraudulent. They are reporting a {$14000.00} balance of a car that is a XXXX Over 20 years old!!! The moment I started complaining, they closed the account, which actually helped my credit, but the account continues to report inaccurate and fraudulent information on my credit report.

Company response to consumer: Closed with explanation