vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
Carrington Mortgage Services reported a 30-day late payment related to a residual balance of {$32.00} that arose during third-party bill pay processing. I was unaware of the small remaining balance and paid it immediately once notified. This isolated issue has negatively affected both borrowers credit reports despite prompt resolution and an otherwise satisfactory payment history. I requested reasonable goodwill consideration given the minimal amount involved and immediate correction, but that request was denied and we were falsely led to believe that they were not allowed legally to grant the goodwill adjustment in their reply. Despite both borrowers being disabled veterans we have never made a late mortgage payment. One borrower 's credit was so negatively affected that the score dropped from the XXXX 's to the low XXXX 's. I am requesting review of whether accurate but disproportionate negative reporting over a {$32.00} residual balance is consistent with fair servicing practices and whether any discretionary correction is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is a continuation of complaint # XXXX. Unfortunately, Chases response did not address my core concerns. First, the XXXX-language printed internal memo referenced in your response is not my signature, although it was presented as such. This point is critical, and it has not been addressed or substantiated. I would appreciate clarification on how this document was verified and why it is being attributed to me. Second, and more importantly, Chase has not explained why an internal memo produced by the merchant is being given more weight than the official receipts issued in both English and XXXX by the merchant, as well as the documentation from XXXX XXXX, the tax refund agency that collaborates with the merchant. These documents are formal transaction records and should carry significantly greater evidentiary value than an internal note created by the merchant. Given this, I respectfully request : Clarification on how the alleged signature on the XXXX internal memo was authenticated and attributed to me. An explanation of why the merchants internal memo was considered more reliable than the official bilingual receipts and XXXX XXXX documentation. A reconsideration of the decision based on the official transaction documents already provided. Thank you for your attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: MD

Complaint narrative:
At this point in the process, it involves myself and XXXX different companies. Those companies being XXXX, klarna, and creo distributions. I purchased a cell phone through XXXX using Klarna financing between XX/XX/XXXX and XXXX. The device arrived i believe XXXX or XXXX. The item was carrier-locked, making it unusable. I contacted XXXX who purchased the device from a third-party seller XXXX XXXX. The seller instructed me to return the item via XXXX at their expense using the chosen delivery method. During transit, the item was damaged, and the seller refused the return and sent the item back to me. I attempted to resolve this with both XXXX and the seller, but neither will accept the return or issue a refund. Despite this, Klarna continues to charge me for an item that was not as described and can not be used. I am requesting that Klarna stop all charges and issue a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent a debt validation letter via certified mail to the collection agency Portfolio Recovery on XX/XX/XXXX regarding XXXX accounts. I received no response to my initial request, and I sent a second follow-up debt validation request via certified mail on XX/XX/XXXX. I received no response from the collection agency being able to validate the debts. I disputed to the XXXX major credit reporting agencies ( Experian, Equifax, Transunion ) on XX/XX/XXXX requesting deletion of these XXXX Portfolio Recovery accounts since the collection agency failed to validate. The credit reporting agencies responded stating that the accounts were " verified as accurate and updated ''. I sent a Method Of Verification Letter on XX/XX/XXXX, disagreeing with their response. How could they possibly verify these XXXX accounts if the collection agency never responded validating these accounts? Experian and Equifax agencies verified the account and updated once again. Transunion failed to respond to my Method Of Verification Letter. I sent a XXXX XXXX XXXX on XX/XX/XXXX asking them to delete these accounts since they had failed to respond in a timely manner. Transunion responded and stated that XXXX of the Portfolio collections was deleted from my report and that the other Portfolio collection was previously investigated and the data furnisher verified the information. They stated they are not required to reinvestigate the same item ( XXXX ) again. These accounts were not properly validated by the collection agency, how are the credit reporting agencies certifying accuracy? The collection agency never responded to my debt validation requests. They are majorly violating FCRA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I used their ATM and got a {$20.00} bill and realized I needed smaller bills. I went inside to their teller and asked if he could give me smaller bills. He asked if I was a customer of PNC. Since I am not a customer, he refused to service me. Location : XXXX XXXX XXXX, XXXX, IL XXXX XXXX They do not honor community service as it is required by the XXXX! Under the XXXX, ALL BANKS are required to perform certain services in the community while doing business WITHIN their respective community! It appears that PNC does not provide REQUIRED XXXX training to thier front line employees. Regardless, it appears they have no respect for customers and non customers because front line employees lack proper etiquette, training and general common sense! BE PRUDENT WHILE SELECTING THE INSTITUTION FOR YOUR FINANCIAL NEEDS!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, my debit card was used for two separate transactions that I did not make or authorize. XXXX. XXXX XXXX ( XXXX, XXXX ) XXXX {$580.00} XXXX. Africshirt Abode ( XXXX XXXX, XXXX ) - {$350.00} On XX/XX/year>, my debit card was used again for one more purchase that I did not make or authorize. XXXX. XXXX XXXX ( XXXX XXXX, XXXX ) - {$350.00} There were also foreign transaction fees associated with these fraudulent charges, but I'm only looking for reimbursement on the three charges totaling {$1200.00}. I called Chase Bank to file a claim, but they denied my claim saying that the purchase was made with information that I provided or authorized. That is false. Chase also says that without documentation of proof from the lender, they will not reevaluate, but neither of the XXXX companies that the user used my card to purchase from have U.S Phone numbers that I can tell. I've emailed both companies to try and get information, but have not gotten a response. I've also never been to XXXX. I was issued a new debit card as well, to ensure this doesn't happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
This company filed a judgment against me XXXX years ago and I began to pay even though they did not VERIFY THE DEBT. they filed it in court, but it was revealed that they fraudulently tried to collect more money than I owed. They did not accurately report the information. Apparently, they just attempted to refile it in court and DID NOT notify me prior.

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 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I am trying to close my account with PayPal. I opened a payment dispute yesterday, and received an email shortly after that it had been resolved and it was listed as resolved in my disputes page. When I went to close my account, Paypal said I could not close my account because I had an open dispute. PayPal directed me to close the dispute myself but I could not find any of their suggested ways to immediately close the dispute. I attempted to contact their customer service but I could not get in contact with any customer service agent and their customer service bot was completely unhelpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was trying to purchase food, and both credit cards were declined. Opened my account to find out it was closed. Unsure of why it was. I called customer service to find out but no direct answers of why.

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 2026-04-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: OK

Complaint narrative:
NetSpend refusing account access, making fraud accusations without proof, and withholding records I am filing a complaint against NetSpend regarding multiple serious issues involving my identity and access to financial services. On [ date ], I purchased a prepaid card that I later discovered was issued by NetSpend. During registration, I was unable to activate or use the card. When I contacted customer service, I was told : I could not register the card in my name I was accused by a XXXX of being a thief who previously caused financial losses to NetSpend I was told there is a court order allowing them to seize funds from any account I open I was given no documentation, no case number, no court information, and no explanation of these claims. I have a documented history of identity theft, and it is highly likely that any alleged activity was not performed by me. Despite explaining this, NetSpend refused to investigate or provide any records. On a follow-up call, I requested : A full audit of all accounts associated with my identity Any records supporting their claims Details regarding the alleged court order I was refused all information and told I am permanently banned from using their services. My concerns : False accusations of fraud without evidence Possible identity theft activity being attributed to me Refusal to provide records tied to my identity Claiming a legal court order but refusing to provide details

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 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX opened XXXX with {$3000.00} credit limit. My starting interest rate was 12 %. I declared that my income was from social security alone. Since XXXX Barclays raised my credit limit XXXX times without asking me and I never requested any increases. The last increase in XXXX increased my credit limit to {$20000.00}. At that time the combination of high inflation and steadily rising interest rates made my monthly on time payments almost meaningless. I was paying XXXX half of my income to rent and XXXX half to Barclays for years. In XXXX and XXXX alone I paid them {$10000.00}. By the end of XXXX I realized my minimum XXXX payment would soon eat up more than half of my social security check so I made XXXX last payment and wrote Barclays a letter telling them to close my account. They closed it in XX/XX/XXXX and added on several thousands more in interest and fees. XXXX years later they sued me and got a summary judgment. I maintain that if Barclays had kept my credit limit low and appropriate for my income level as my other credit cards have done I would have been able to eventually pay it off. Barclays was irresponsible when it increased my credit limit to more than twice my annual income from social security.

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 2026-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Back in XXXX of XXXX I attempted to purchase a XXXX Printer enclosure from XXXX using XXXX for ~ {$500.00}. XXXX proceeded to refuse to cancel said order after several delays with no timeline and another defective product from them. I told XXXX this then. Affirm, firmly refused and placed the onus on XXXX. I got nowhere. I have tried to discuss this with XXXX and I have proof from XXXX as well of the order details showing unfulfilled still to this day. The loan is now in the hands of Jefferson Capital and they are claiming the debt is valid due to a prior dispute from XXXX when I tried to use XXXX XXXX to dispute it either limited options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
On XX/XX/year>, I attempted to open a XXXX XXXX XXXX account with American Express through their online application on XXXX The application form explicitly presents the tax identification field as " SSN or ITIN, '' indicating that either a Social Security Number or an Individual Taxpayer Identification Number is acceptable for identity verification under the USA PATRIOT Act disclosure shown on the same page. I entered my valid, IRS-issued ITIN into this field. The system rejected the entry with the error message " Enter a valid social security number '' and would not allow the application to proceed. The form 's backend validation appears to only accept SSNs, despite the field label and the on-screen text advertising ITIN acceptance. I attempted the entry multiple times to rule out a typo or formatting issue ; the form rejected every valid ITIN entry. On the same day, XX/XX/year>, I contacted American Express customer support to report the issue and request assistance. The representative did not acknowledge the mismatch between the advertised field and the actual system behavior, did not offer any workaround, alternative application channel, or escalation path, and did not explain why the form solicits ITINs if they are not actually processed. Instead, I was told to " obtain a Social Security Number '' and reapply which is not possible for ITIN holders, since an ITIN is issued by the IRS specifically to individuals who are not eligible for an SSN. The rest of the response was generic and did not address the substantive issue. No resolution, follow-up, or case reference was provided. The core problem is that American Express 's application solicits ITINs from applicants who are ineligible to actually be approved through the stated process, and their frontline support is either unaware of this or unwilling to acknowledge it. This pattern effectively excludes ITIN holders a population composed largely of lawful non-resident taxpayers and certain resident aliens from accessing a savings product that the company publicly markets as available to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing a formal complaint against Chime Financial , Inc. for refusing to release {$1700.00} from my Credit Builder account following the completion of my XXXX XXXX XXXX case. FACTS : I filed XXXX XXXX XXXX in the Southern District of Texas, Case No. XXXX Chime froze my Credit Builder account balance of {$1700.00} at the time of filing On XX/XX/year>, the XXXX XXXX trustee filed a Report of No Distribution, formally abandoning all assets in my estate The trustee has made no claim to these funds My XXXX Meeting of Creditors was completed on XX/XX/year> Chime has confirmed in writing ( via in-app chat ) that the {$1700.00} balance exists in my account Despite this, Chime continues to refuse to release my funds Chimes continued holding of these funds after the trustees abandonment may constitute a willful violation of the automatic stay under 11 U.S.C. 362 and is causing me significant financial hardship. I am requesting the CFPB require Chime to immediately release my {$1700.00} and investigate their practice of freezing XXXX filers accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
XX/XX/XXXX I signed a form to apply for a lease. With XXXX XXXX XXXX of XXXX. The terms very specifically stated that this would only authorize a soft pull on my credit. Only a hard pull after agreeing to financing terms. For about a week after, everyday I got messages from the salesman at the dealership for cars and she kept running my credit for multiple different cars even after I wouldnt reply. This got annoying. Eventually she stopped and I brushed it off because I figured none of them would affect my credit since theyre soft pulls. Today, XX/XX/XXXX the American Credit Acceltance sent me a detailed letter saying I am rejected from opening an account. I am confused. So I messages the salesman and asked if a hard inquiry was ran without my authorization. And I got sent an image of the disclaimer that I signed. Which then proved my point that I did not agree to any financing terms. Then I proceeded to ask for proof that I authorized the hard pull and credit application, no reply and then I asked if they actually did a hard pull on me. No reply again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I have reviewed the companys response. The response does not provide clear proof that I knowingly and explicitly authorized each individual add-on product listed, including XXXX, XXXX, and XXXX. General statements about disclosures, videos, or standard process do not constitute proof of informed consent. Please identify and provide : The specific signed or initialed section showing I agreed to each add-on Documentation showing how consent was captured ( signature, electronic acknowledgment, etc. ) A breakdown of the cost of each add-on included in the financed amount Until this documentation is clearly provided, I continue to dispute these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding Bank of America 's handling of fraudulent ACH debit transactions and charges, and failure to comply with Regulation E. I disputed fraudulent transactions that posted to my checking account prior to its closure : {$2000.00} on XX/XX/2025 and {$350.00} on XX/XX/2025 from XXXX - XXXX XXXX. These transactions were not authorized. I am a victim of identity theft and can provide supporting documentation. See attached. Bank of America denied my fraud claim without providing a case number, written confirmation, or investigation timeline, and refused to clarify reimbursement procedures. After I filed a fraud claim, Bank of America illegally closed my checking account in retaliation and withheld my funds, refusing to release my money. They are engaged in discriminatory and retaliatory practices, and Im having difficulty retrieving my funds. I request that the bank immediately reopen and properly investigate this Regulation E claim and issue reimbursement for the unauthorized transactions. Please confirm in writing once this matter is resolved.

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