vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE
State: LA

Complaint narrative:
I was charged a surcharge/processing fee on a debit card transaction on XX/XX/year> at a local XXXXXXXX XXXX XXXX XXXX XXXX XXXX  The fee was approximately XXXX XXXX and was applied at the time of payment. The transaction details are as follows : Total of Illegal Transaction - {$50.00}, Non-Cash Charge ( Fee charged for paying with a debit card ) - {$1.00}, Correct amount of the transaction had I not used a debit card with this merchant - {$48.00}. After observing a sign near the register I did inform the clerk processing the transaction that it was illegal to charge a processing fee on a debit card transaction which he then advised me it was their store policy and also seemed to just laugh it off. 

Debit card surcharges are prohibited under federal law ( Durbin Amendment to the Dodd-Frank Act ) and are also expressly prohibited under XXXX debit network rules. 
The merchant applied the fee regardless of the card being debit, and no lawful basis exists for imposing any surcharge on a debit card transaction. The fee was presented as mandatory at the time of payment and seems like this policy has been in place for a long time with this company. 

I am requesting : XXXX. A refund of the illegally charged debit card surcharge XXXX. Investigation into the merchants debit card practices XXXX. Assurance that my bank enforces debit card protections and network rules going forward I have attached documentation ( receipt ) showing the surcharge applied to a debit transaction as well as the sign displayed by the merchant advising customers all card transactions will be charged a XXXX XXXX fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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 opened up a bank account over almost XXXX years ago at Chase using the last name XXXX XXXX. Chase decided to change my account name to my maiden name which is XXXX and use an old phone number I no longer has. It was so difficult trying to update my phone and I didnt have the energy to try with my last name. I receive my federal payroll at this bank and have deposited checks using my maiden name and my married name by ATM and inside the branch and all have cleared and been paid except for a settle check from my attorney, which is also drawn off of Chase bank. Two weeks ago I deposited my first settlement check with my married last name in the bank and it was paid after XXXX weeks of waiting. I deposited the check it said it would be held until XX/XX/XXXX. I waited for this day and no funds were released. I called and spoke to several people that told me the check wasnt in my last name and had to be reissued which is so unfair. I had a lengthy trial and was awarded money and now my bank whom I trusted until will not release my money. I have nothing to give to my attorney to reissue this check nor can I contact the other party due to the lawsuit so Im stuck. I planned to help with funeral cost for my XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and now I can not. Also, my federal payroll is deposited into my account and I have only been paid once on time. Now, I have to wait until Saturday for my paycheck because I never get paid on Friday, which wont be enough to help my XXXX XXXX XXXX XXXX and it will put me in debt because that money is used for bills. I will close my account as soon as I get my deposit. This is the most horrible and unacceptable situation I have ever been in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I sent a Debt Validation Letter to Eastern Account Systems through the XXXX and as a Certified Letter. I do not owe these debts and didn't know I supposedly owed it. I have not received any communication back from this company in regards to the two negative collection items on my credit report. I do not owe these debts. Please have them 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 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Original Creditor : XXXX XXXX XXXX  which was paid off in XX/XX/year>, through XXXX XXXX Midland Credit Management bought the debt in XX/XX/year> and have been reporting the account open and 0 % paid. I spoke with Midland Credit Management who acknowledged the account was paid and closed, however are still reporting it as open and XXXX paid on it for the 28 months. 
Midland Credit Management account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am submitting this complaint regarding an incorrect ATM cash deposit adjustment and an unauthorized debit made by Bank of America to my personal checking account ending in XXXX. 
On XX/XX/XXXX, I attempted to deposit {$5700.00} in cash at a Bank of America ATM in XXXX, Georgia. Due to the amount, I inserted the cash in XXXX portions. The ATM accepted the first portion without issue. When I inserted the second portion, the ATM took an unusually long time, made repeated counting noises, appeared to freeze, and then returned cash to me. 
Immediately afterward, the ATM prompted me to indicate the amount of cash received and issued a receipt stating that the full {$5700.00} deposit was credited and that an issue record had been created for the transaction. 
At the time of the transaction on XX/XX/XXXX, I accurately indicated that I had received {$500.00} in cash when prompted by the ATM. I reiterated this information when I contacted Bank of America on XX/XX/XXXX, to report the issue. During that call, I was advised not to return the {$500.00} to a branch and was told that the bank would investigate and debit the correct amount directly from my account. 
After that call, I received no follow-up communication from Bank of America XXXX 
On XX/XX/XXXX, Bank of America debited {$4900.00} from my account without prior notice or explanation. This debit left my account with a negative balance exceeding {$3000.00} on the last day of the year. 
There is no factual or mathematical basis for debiting {$4900.00}. The only amount physically returned by the ATM and disclosed by me was {$500.00}. 
I did not receive any electronic notification of this debit until XX/XX/XXXX, XXXX days after the debit was executed. I later received a brief letter from Bank of America stating only that there was a difference in currency, without explaining how the debit amount was calculated. 
The funds deposited came from the sale of my vehicle and were necessary to support my household while I am the primary caregiver for my mother, who is undergoing treatment for XXXX XXXXXXXX XXXX. On XX/XX/XXXX, she was hospitalized in an emergency, which further compounded the hardship caused by this debit. 
I believe Bank of America mishandled this ATM transaction, failed to provide timely notice, and debited an incorrect and unjustified amount. I am requesting that the CFPB require Bank of America to correct the error, reimburse the improperly debited funds, and provide a full written explanation of how the debit amount was calculated. I have retained all supporting documentation.

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 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: NY

Complaint narrative:
This is a plan that two people was inside in the plan and I was traveling to XXXX and they said the whole lines including everything are gon na cost me {$400.00} when i come back they wan na charge me {$2000.00} and i already pay the money that i owe them and they keep trying to charge me more and more money. And they put it to a collector debt. 

And when I came back from XXXX, I canceled the whole plan. I just had that plan only for XXXX month. 

I don't know the dates when i started this plan and when i cancelled it, i can't find it on my email.

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 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Klarna AB
State: FL

Complaint narrative:
I am disputing Klarna charges and balances because they were not voluntary consumer purchases. These debts were created as a direct result of negligent vehicle repair by XXXX XXXX, which is currently under CFPB and Attorney General investigation. 

On XX/XX/year>, XXXX XXXX released my vehicle after performing service that resulted in serious mechanical failure. Independent repair shops later confirmed that the vehicle was unsafe due to intake, vacuum, and oil-related damage. XXXX XXXX has already acknowledged responsibility for certain costs, but disputes engine liability. 

Because XXXX XXXX released my vehicle in an unsafe condition, I lost reliable transportation and the ability to work. As a XXXX XXXX, I had no reasonable alternative but to use Buy-Now-Pay-Later financing through Klarna to obtain emergency vehicle repairs XXXX transportation-related lodging, and utilities. 

As a result of XXXX XXXX negligence, I was forced to finance the following through Klarna : XXXX XXXX XXXX XXXX XXXX {$850.00} ( XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX {$260.00} ( XX/XX/year> ) XXXX {$230.00} ( XX/XX/year> ) AutoZone {$70.00} ( XX/XX/year> ) Take XXXX Oil Change {$99.00} ( XX/XX/year> ) XXXX XXXX XXXX {$130.00} ( XX/XX/year> ) HotelTonight {$250.00} ( XX/XX/year> ) XXXX XXXX XXXX XXXX {$400.00} ( XX/XX/year> ) These charges were not discretionary spending. They were emergency expenses required to maintain or attempt to repair my damaged vehicle, obtain lodging when transportation failed, and pay essential bills after XXXX XXXX deprived me of my car. 

Klarna is currently billing and reporting balances that were created by third-party negligence. These debts would not exist but for XXXX XXXX unsafe release of my vehicle. Continuing to collect or report these balances while the underlying liability is disputed constitutes unfair and abusive collection. 

I am requesting that the CFPB require Klarna to : Suspend all billing, auto-debits, and credit reporting Investigate whether these charges are legally collectible Refund or delete balances created by XXXX XXXX misconduct XXXX any credit reporting related to these transactions I am attaching repair invoices, Klarna transaction XXXX, and XXXX XXXX correspondence showing that these expenses resulted from vehicle damage caused by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About XXXX weeks ago, American Express opened complaint XXXX in reference to purchase protection claim XXXX, but it has not been resolved. On XX/XX/year>, I followed up via phone call and the Agent representative refused to address and/or resolved the issue. The Agent did confirm that American Express had all the documents necessary to resolve the claim but did not want to provide any resolution date nor updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
My mortgage servicer failed to include any insurance cancellation notice in the written response mailed to me regarding my escrow and insurance dispute. The hard-copy response I received contains no such notice. 

Only after I filed a CFPB complaint did the servicer submit an alleged insurance cancellation notice as part of its CFPB response. This document was not included in the original response sent to me and appears to have been introduced after the fact. 

I dispute the authenticity, timing, and validity of this notice and believe the servicer failed to maintain accurate, contemporaneous records as required by RESPA and Regulation X. 

I am requesting that the servicer be required to produce proof of mailing, servicing system records showing the date the notice was created, and insurance vendor communication logs. The inconsistent responses raise serious concerns regarding compliance and record integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This complaint relates to a prior CFPB complaint concerning the same Capital One account, CFPB Complaint No. XXXX. In that complaint, I explicitly requested a complete copy of my Cardmember Agreement, including the arbitration clause. Capital One responded to the prior CFPB complaint without providing the requested agreement and closed the matter without addressing this issue.

I requested a complete copy of my Cardmember Agreement governing my Capital One credit card account, including the arbitration clause.

On [ insert date ], I sent Capital One a certified written request for this agreement. I also explicitly raised this issue in a prior CFPB complaint regarding a dispute on the same account ( CFPB Complaint No. XXXX ). 

Despite the certified request and CFPB escalation, Capital One has not provided the complete Cardmember Agreement containing the arbitration provision. Capital One responded to the prior CFPB complaint without producing the agreement and closed the matter without addressing this issue. 

A credit card issuers failure to provide the governing agreement upon request prevents a consumer from understanding and exercising dispute-resolution rights, including arbitration. Capital Ones conduct has obstructed access to the dispute-resolution process it claims governs account disputes.

I am requesting that Capital One be required to provide the complete Cardmember Agreement, including the arbitration clause, and explain why it failed to do so after a certified written request and CFPB escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of James R. Vaughan, P.C.
State: AZ

Complaint narrative:
Received a letter in the mail today from a law office but they are claiming a lawyer has not reviewed the account and they do not have the correct information from original creditors and how did they get the information and they are requesting a one time payment in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
defective Transmission and braking system, no inspected evidence, i retuned the vehicle to the dealership for service on five separate occasions, despite this, the dealership only meaningfully inspected the vehicle two time, keeping the vehicle for approximately one week and one day and fail to correct the ongoing issues. The vehicle continued to malfunction after being returned to me. i am concerned that the vehicle may have been sold without proper inspection or disclosure of known defects, and that the repeated failure to repair may constitute unfair or deceptive practices, I believe this conduct may implicate federal consumer protection standards under, 18 U.S.C. 1348 if material facts regarding the vehicle condition were misrepresented at the time of sale, as a consumer, i relied on the dealership representation and expected the vehicle to be safe, operable, and properly service, instead, i have experienced repeated mechanical failures, loss of use of the vehicle, and ongoing financial and safety concerns. Review this matter for potential consumer protection. Require the dealership to provide a full explanation of the vehicle condition at sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
I filed previous complaints on this lender and South State bank company reference numbers # ( XXXX ) - ( XXXX ), In summary, I finally reached the closing process of the mortgage loan journey, and the lender XXXX XXXX is doing unethical business practices such as not filing the correct amount of balance left on the loan. For example, we offered the seller {$210000.00} for his property he countered at {$210000.00} and we settled at {$210000.00}. The realtor applied my {$5000.00} good faith escrow deposit towards the balance of {$210000.00} lowering the loan balance to {$210000.00}. Upon completing the loan application, it displayed a balance of {$210000.00}, rather than {$210000.00}. I inform ed her to correct it immediately. XXXX insisted she would eventually lower it to approximately {$200000.00} after all closing cost is paid. I asked her what was the additional closing cost rate or fees. Initially, she quoted me closing cost above 6 % which is way too above average. She refused to disclose the additional closing cost fees. Today she contacted me by phone and informed me my escrow deposit will not go towards my closing cost. The bank will finance the entire loan amount of {$210000.00}. So, I told her I will have to get a refund of the {$5000.00} down payment to the title company. She said I will not be refunded any money and the monthly mortgage payment will increase to {$2000.00} monthly rather than {$1800.00} monthly. 


I am beginning to believe this, lender may have some sort of drug problems or may be under the influence of a control substance and it's affecting her cognitive capabilities at work. She is not being completely transparent about the closing cost during the closing process. She questioned my W-2 and 1099 paystubs and requested I submit tax returns for my single LLC business. I paid a tax guy approximately {$500.00} to amend my XXXX and XXXX tax returns which she accepted it after it was submitted last week. Now this morning, she said she will try to get me a {$5000.00} grant without the XXXX and XXXX amended business tax returns. Ridiculous. She told me closing cost can not be disclosed until 3 days before closing. Either this lady is on drugs, or she has something against me. Could be both.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally dispute a collection matter. 

I have been making consistent payments on this account for an entire year ; however, I observed that these payments were not being applied correctly, resulting in the balance not decreasing as expected. When I contacted your office regarding this discrepancy, I was informed that I needed to pay a lump sum to resolve the outstanding amount. I could not afford to continue making payments if they were not being credited to my account. 

My ability to manage this debt has been severely impacted by significant unforeseen circumstances. Following Hurricane Ian, my family and I lost everything and were forced to reside in a hotel for four months. Subsequently, when the hotel was sold, we had to move into a house requiring immediate mold treatment and extensive repairs. Shortly after completing just over half of those repairs, we were struck by Hurricane Milton, which caused further flooding. 

I am not seeking to avoid payment entirely, but I dispute the substantial amount currently being charged in fees and interest, which I find unaffordable given my current financial situation. I am currently working XXXX jobs but am still struggling to recover financially from these events. I am dedicating all my available resources to making minimum payments across all my accounts to remain current, which is the maximum I can manage. I have even resorted to using my mother 's credit to maintain forward progress. 

Due to being inundated with collection calls, I am rarely able to answer my phone. Therefore, I would greatly appreciate it if you could respond to this dispute via email. 

Kind Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Id like to dispute chase but I always pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: U.S. BANCORP
State: OH

Complaint narrative:
I am writing to formally dispute a decision by U.S. Bank regarding the enrollment date of my 5 % cash-back categories for my U.S. Bank Cash+ Visa Signature Card . 

On XX/XX/year>, at XXXX XXXX, I successfully enrolled in my quarterly categories : Home Utilities ( 5 % ), Cell Phone Providers ( 5 % ), and Gas & EV Charging Stations ( 2 % ). Following this enrollment, I made a purchase within the " Utilities '' category.

U.S. Bank has denied my request for the 5 % bonus rewards on this transaction. In a written response mailed to me, the bank claimed that I did not select my categories until XX/XX/year>. This statement is factually incorrect. I have digital confirmation that my selection was completed on XX/XX/XXXX. 

The Issue : Because U.S. Banks internal system incorrectly logged my enrollment date as three days later than it actually occurred, my purchase was improperly processed at the 1 % base rate instead of the 5 % promotional rate. I have contacted Customer Service Representatives multiple times to resolve this technical sync error, but I was told the decision is " final '' despite the evidence of my earlier enrollment.

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