vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I received what I thought was a text message from my bank. The messaged questioned a charge on my account. I pressed no it was not me. A Truist representative called me, from a bank number. They walked me through the fraud. Then asked for my pin, which stupidly I gave them. On the XXXX, they took my money from my banks ATM. They spent money at XXXX different local post offices. Totaling {$4200.00}. I informed my bank right away because I got a low balance notification. The amount was never flagged by the bank. According to the bank I had to wait until the transactions were not pending. That took a week. I also went to the police and they told me I needed the claim number to file a report. A week goes by, finally I can make the claim and the police report. I filed my claim. Within 3 days the bank said that it was denied due to the chip was used, citing that chips can not be duplicated. The bank did not do a full investigation. They do not pull the video cameras at the atm. I asked for the claim to be re-opened. They are still working on it but are saying that I authorized the transactions, which I didnt.

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 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Complainant has used the subject credit card issued by XXXX for over XXXX XXXX, spending between XXXX XXXX XXXX XXXX XXXX per month using the card. In that time, XXXX always paid the amount due in full before the due date and never paid interest. In XX/XX/XXXX, Complainant missed the due date by XXXX days, but still paid the statement in full. Complainant expected interest charges the following month, but the interest charged was DOUBLE the amount expected. The unpaid amount, times the monthly interest rate specified, was just over {$60.00}. The amount charged was over {$100.00}. COMPLAINT XXXX : XXXX band appears to be committing fraud by deception by charging more interest than due, and failing to provide an auditable calculation for same. The following month, XX/XX/XXXX, XXXX again charged Complainant interest in excess of {$60.00}, AFTER COMPLAINANT PAID THE ENTIRE STATEMENT BALANCE IN FULL, A WEEK EARLY! COMPLAINT XXXX : Chase Bank has AGAIN committed fraud by deception by charging interest on purchases that were paid in full before the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check from XXXX Bank on the trust account of my mother for my inheritance on Friday XX/XX/year>. Chase Bank placed a hold until XX/XX/XXXX. The teller told me I could call to have the hold removed the following week once check cleared. 

The check cleared XXXX Bank on Saturday XX/XX/year>. On Tuesday XX/XX/year>, I called requesting the hold be removed. It still shows pending. I spoke with XXXX ( she would not provide last name or initial ) at XXXX AM and she told me the funds had not been received. When I questioned that, she told me that XXXX Bank had not told them the check had cleared. I explained to her that XXXX Bank had remitted the funds. She proceeded to tell me that this is not an electronic transaction, so the funds have not been received and XXXX Bank has not called them to say there are no holds. Everyone knows that funds are moved electronically, even for paper checks. I think she is used to speaking to people who are unfamiliar with how banking happens and perhaps does not even understand herself. I asked why they did not give me access to some portion of the check as required by XXXX XXXX and she said they did not have to as they are not sure the check will clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I discovered bank accounts and financial activity associated with my identity that I did not authorize or recognize. I experienced difficulty accessing accounts and later found records showing account linkages I did not create. I am requesting a review of all accounts tied to my identity and correction of any unauthorized or inaccurate information. 
There was a change from bank of america XXXX  in XXXX of XXXX  for DDA information change. I lost access to my bank accounts but have traced my funds to closed accounts working with XXXX.

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 2026-01-27 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: MD

Complaint narrative:
On XX/XX/year>, I purchased a XXXX  GeForce RTX 5090 Gaming OC for {$2000.00} from Best Buy with my Best Buy credit card, issued by Citi. After it arrived via mail, I discovered that the RTX 5090 was nonfunctional. 
On XX/XX/year>, I went to a physical Best Buy location to ask about the issue, and the XXXX there told me to call customer service to resolve the issue. 
On XX/XX/year>, I called customer service, and they told me to go to a physical Best Buy store to resolve the issue. 
On XX/XX/year>, I went to a different physical Best Buy location, and the XXXX there told me to call customer service to resolve the issue. 
On XX/XX/year>, I called customer service again, and they told me to go to a physical store to resolve the issue. This is when I realized that Best Buy 's customer service was structured to not render service to the customer. 
On XX/XX/year>, I started a Return Merchant Authorization with XXXX, the manufacturer of the RTX 5090, to get the item diagnosed or repaired. 
On XX/XX/year>, XXXX Customer Service called to tell me that the RTX 5090 was nonfunctional because it was missing components. Someone at Best Buy removed the GPU core and memory chips before the RTX 5090 was delivered. The serial number sticker was tampered with and moved to a different model by Best Buy, so even the visible product looks incorrect. Due to the physical damage that was present on the RTX 5090, the warranty was voided by the manufacturer. This is when I realized that Best Buy sold me a nonfunctional item with a voided warranty due to the actions from someone at Best Buy. I have attached pictures from the email by XXXX Customer Service. 
On XX/XX/year>, I filed a dispute with my Best Buy credit card that was issued by Citi. The creditor denied the dispute. I disagree with the resolution because selling me a nonfunctional item that was tampered with is 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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I discovered bank accounts and financial activity associated with my identity that I did not authorize or recognize. I experienced difficulty accessing accounts and later found records showing account linkages I did not create. I am requesting a review of all accounts tied to my identity and correction of any unauthorized or inaccurate information.I would like my funds traced as it shows over XXXX in that account and they were charged off. Original dispute was put in XX/XX/XXXX dispute number XXXX. The account listed is my savings account however I do have another account ending in XXXX not sure of the rest of the numbers and XXXX other one

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I am filing this complaint regarding Apple Card ( issued by Goldman Sachs ) for reducing my credit limit without prior notice and then refusing to reinstate the original credit limit despite my account being in good standing. 

After paying off my Apple Card balance, my credit limit was significantly reduced without any warning, explanation, or negative activity on my account. I have consistently kept this account current and have never missed a payment. There were no late payments, defaults, or misuse of the account that would reasonably justify a credit limit reduction. 

After discovering the reduction, I contacted Apple Card support to request reinstatement of my original credit limit. Despite my positive payment history and responsible use of the account, my request was denied. I was not provided with a clear or satisfactory explanation for the reduction or for the refusal to reinstate the original limit. 

This unexpected action negatively impacts my available credit and credit utilization, which can affect my credit score. I believe reducing a credit limit immediately after paying off the card, without warning or meaningful justification, is unfair and misleading.

I am requesting that Apple Card reinstate my original credit limit or provide a clear, documented explanation for the reduction that aligns with fair lending and consumer credit practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am submitting a complaint regarding my mortgage servicer 's handling of my loss mitigation application and their initiation of foreclosure proceedings in violation of federal rules. 

Since XX/XX/XXXX, I have been actively engaged in a loss mitigation review due to a documented hardship. I have submitted multiple complete applications and financial documentation on the following dates : XX/XX/XXXX, XX/XX/XXXX, and an updated XX/XX/XXXX. The hardship reason, consistently provided, is loss of employment. 

Despite this ongoing review, the servicer has engaged in the following actions : Contradictory and Unclear Foreclosure Status : The servicer and its trustee have provided irreconcilable statements about whether foreclosure is active. In XX/XX/XXXX, they stated it was " not active. '' In XX/XX/XXXX, they issued a formal foreclosure notice, while the trustee simultaneously stated no notice of default had been recorded. The servicer then claimed in a XX/XX/XXXX, letter that proceedings were initiated on XX/XX/XXXX. 

Shifting Requirements & Post-Hoc Denial : After months of review, the servicer issued a new, previously unmentioned denial reason in a letter dated XX/XX/XXXX. This denial cited an incoherent and new criterion related to the hardship letter, which contradicts all prior communications and evaluation criteria provided to me. 

Rejection of Payments & Dual-Tracking : While my application has been under review, the servicer has refused to accept my good-faith partial payments since XX/XX/XXXX, including a payment in XX/XX/XXXX, and has simultaneously advanced foreclosure activity. 

These actions appear to constitute shifting evaluation criteria in violation of RESPA ( 12 CFR 1024.41 ) and engaging in prohibited dual-tracking ( 12 CFR 1024.41 ( f ) ) by pursuing foreclosure while a complete loss mitigation application was under review. The servicer 's contradictory communications and imposition of new, undisclosed requirements have made it impossible to understand the true status of my account or trust the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: RI

Complaint narrative:
Western Funding charged me for a car when a cancelation was already issued. A refund was due, but never sent. A manager claimed they sent my funds to another party without my consent, however this never happened. I called back and another agent said this was not true and they were still holding the funds, those the deadline had passed. He asked me to call back on Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
On XX/XX/year>, I applied for a personal loan after being pre-qualified and submitted the requested documents. On the same date, I received an email stating that all documents had been received and that there was nothing left for me to do, and that the company would contact me to discuss next steps. 
A call was scheduled for XX/XX/year>. The company attempted to call earlier than the scheduled time, which I was unable to answer. When I returned the call at the scheduled time, I was told they would need to call me back. I did not receive a follow-up call. 
On XX/XX/year>, I contacted the company again to request clarification on the status of my application. During this call, I was informed that although I was approved, the loan required my vehicle as collateral or refinancing my existing auto loan. This requirement had not been disclosed during the pre-qualification process or prior to submitting documents. 
Because this represented a material change to the loan terms that were not previously disclosed, I declined to proceed with the loan. After I stated that I was not willing to proceed under those terms, the call ended without any additional explanation or options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have received multiple calls from ( XXXX ) XXXX and ( XXXX ) XXXX that have left voicemails threatening to " file an injunction '' if I do not return the call within 72 hours. I have ignored most of the calls but I have also returned the calls. I refused to confirm my identity up until today so they would not tell me what company they were calling from or who they were attempting to collect a debt for. Today ( XX/XX/XXXX ) I decided to confirm my name. I spoke with a female " case manager '' that stated she was from a XXXX XXXX XXXX. I had her spell it for me. I can not find this group online in the United States. Everything that comes up is with a XXXX XXXX  address. She said that they " work with a network of attorneys '' for " civil claims ''. She said that they are collecting on behalf of 5/3 bank in the amount of {$1200.00}. I denied ever having an account with 5/3 bank because I have not had an account with them since XXXX and any balance owed on that account was paid prior to XXXX as the account was in my maiden name and I was married in XXXX. I did contact 5/3 bank to inquire about any possible accounts with an outstanding balance. The gentleman I spoke with was XXXX. He was not able to confirm any accounts at all with my current legal name that has been my legal name since XXXX. He was able to move forward with the confirmation process with my maiden name. I had to give him a zip code that I have not lived in since XXXX. I could not confirm a phone number because I have no idea what my phone number was 26 years ago. Without the phone number he could not proceed with verifying any accounts. I even offered my social security number to prove my identity but he said he had to have a phone number. This XXXX XXXX from XXXX XXXX XXXX reported that she had a signed affidavit from 5/3 bank and that they would pursue legal action to collect on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I disputed an alleged debt being reported and collected by LVNV Funding LLC and requested lawful validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

On XX/XX/XXXX, I sent a formal written debt validation demand requesting competent, account-level evidence establishing the existence of the debt, the amount owed, LVNV Funding LLCs legal right to collect, a complete payment history, and proof of assignment and chain of title from the original creditor, XXXX  XXXX, XXXX. 

LVNV Debt Validation In response, LVNV Funding LLC, through its agent Resurgent Capital Services, sent correspondence dated XX/XX/XXXX and XX/XX/XXXX. These responses included only a self-generated Account Summary Report prepared by Resurgent Capital Services and a generic historical billing statement from XXXX  XXXX, XXXX. 

LVNV Responses The account summary explicitly states that it was prepared by Resurgent Capital Services on behalf of LVNV Funding LLC and is not an account statement from the original creditor. The documents provided do not demonstrate that this specific account was sold, assigned, or transferred to LVNV Funding LLC, nor do they establish LVNVs ownership, standing, or lawful authority to collect or report the alleged debt.

No bill of sale, purchase agreement, assignment document, chain of title, signed agreement, itemized accounting, or complete payment history was provided. Despite my dispute and request for validation, the company failed to provide competent evidence as required by federal law. 

On XX/XX/XXXX, I notified LVNV Funding LLC in writing that their response was deficient and did not constitute lawful validation, and I provided them an opportunity to cure by either producing the required documentation or ceasing collection and requesting deletion of the tradeline. 

LVNV 2nd Response To date, LVNV Funding LLC has failed to cure these deficiencies and continues to rely on conclusory, self-generated documents that do not establish ownership or enforceability of the alleged debt. I believe this constitutes improper collection activity and improper verification of disputed information in violation of the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
Chase Mortgage does nothing to assist its customers they claim to care about. Their customer service representatives are rude, ignorant, and have inclination to help the customer. I am in need of a forbearance, and they refuse to go over any of what they offer but do offer insults and lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I took out car insurance with XXXX  in XX/XX/year> to buy a vehicle in NY drive it to FL then cancel the insurance and keep the vehicle in FL unregistered until the car I am driving breaks down and can no longer be used or I sell this vehicle. I verified with XXXX  that I can cancel the insurance when I no longer want it. I paid for 1 month of insurance. After less than a month when I was in FL I called XXXX  to cancel the insurance. After getting into an argument with their customer service rep. who told me I can not cancel the insurance. I spoke to a supervisor. She told me that under Florida law I must have insurance for at least two months. BUT she said that if I send an email to XXXX ( or a similar address I don't remember it exactly ) with my policy number XXXX and told them that I am planning on selling the car under FL law I can cancel the policy. I did this immediately. XXXX ignored this and refused to allow me to cancel the policy and now they hired a collection agency Credit Collection Services XXXX XXXX XXXX XXXX MA, ( XXXX ) XXXX and hey have not only called me repeatedly using fake phone spam numbers but they now notified credit reporting bureaus and have put libelous and defamatory information on my credit reports lowering my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bounce AI, Inc.
State: OH

Complaint narrative:
BOUNCE AI is falsely reporting on my credit. I have never had any accounts with them. Per my research BOUNCE AI is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I paid my auto loan with Exeter Finance in full prior to the due date. The payment was received and confirmed in their system. On XX/XX/year> I contacted Exeter Finance and spoke with a supervisor by the name of XXXX who verbally confirmed that my account was paid in full and stated that a paid-in-full/zero balance letter would be emailed to me, I also requested a confimation in regards to the call and was only provided a verbal confirmation and I never received this email. 


I contacted Exeter Finance again and was given conflicting information by another supervisor, XXXX XXXX who stated that the paid-in-full documentation would instead be mailed and could take up to additional 14 days. As of today, I have received no written confirmation, no reference numner and no documentation verifying that the loan is closed. Despite full payment, Exeter Finances 's system continues to show an outstanding balance, placing me at risk of incorrect credit reporting. I have made multiple good-faith attempts to resolve this directly with the company and have only received verbal assurances that have not been honored.

I am requesting : * Immediate written conconfirmation that the loan is paid in full * A zero balance/paid-in-full letter * Confirmation that the account will be reported to all credit bureaus as Closed-Paid as Agreed with a {$0.00} balance

Company response to consumer: Closed with explanation