vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
( XX/XX/XXXX ) I have been paying on the Montgomery Ward balance since XX/XX/XXXX the original balance was {$740.00}. As of today, the balance is {$410.00}. I contacted the company XXXX XXXX XXXX XXXX XXXX ) that accept the payment on behalf of the Montgomery Ward to settle the account which would be 50 % of the balance and was told the balance is {$480.00} and that Montgomery Ward has not sent any payment updates since XX/XX/XXXX. I contacted Montgomery Ward and was told to have XXXX XXXX XXXX XXXX contact them to obtain the correct balance so I can settle the debt. I then called XXXX XXXX XXXX XXXX back and spoke with XXXX XXXX direct line XXXX ) and was told they don't do that I would have to pay 50 % of the {$480.00} and I explained that is not the correct balance and he said there is nothing he can do and ended the call. I then spoke with a manager at Montgomery Ward and to summarize the conversation, she stated XXXX XXXX XXXX XXXX needed to contact them to get the correct balance. ( XX/XX/XXXX ) I contacted XXXX XXXX XXXX XXXX to check if the balance was updated or if anything else can be done to settle the debt for the correct amount which is {$200.00} ( since the correct balance is {$410.00} ) and I was told the balance was {$480.00} and that the settlement amount was {$240.00}. I am over this back and forth and now it looks like the balance is XXXX XXXX XXXX XXXX is growing daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am submitting this complaint regarding repeated phone calls from Barclays concerning my account. Based on my call log and screenshots, I received more than XXXX missed calls from Barclays between XX/XX/year> and XX/XX/year>, with calls often occurring multiple times in a single day, including additional calls on XX/XX/year>. This repeated contact has been excessive, disruptive, and distressing. I understand a company may attempt to contact a customer regarding an account, but the number and frequency of these calls have gone far beyond what I consider reasonable. I have preserved screenshots documenting the dates and times of these repeated calls. I am requesting that Barclays stop repeatedly calling me by phone. If Barclays needs to communicate with me regarding my account, I request that all future communications be made in writing or through my secure online account instead of through repeated telephone calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/year>, I visited the Wells Fargo branch in XXXX, Minnesota to resolve issues and ask questions regarding my account. I was referred to a banker named XXXX XXXX for assistance. During the visit, I asked for clarification regarding certain account matters that I did not fully understand. Instead of providing explanations or assistance, XXXX XXXX repeatedly suggested that I should find another bank to do business with simply because I had questions about how Wells Fargo operates. She also stated that I should close my account because she could not fix the issues I raised. No attempt was made to escalate the matter, provide further explanation, or offer an alternative solution. I have been a Wells Fargo customer for approximately six years and have never experienced this type of treatment. The interaction felt dismissive and unprofessional, particularly since I came to the branch specifically seeking help with my account. This was especially frustrating because I had just completed a 12-hour work shift the night before and waited in the parking lot for approximately an hour before being seen at the branch. Despite the wait, none of my questions or concerns were addressed during the visit. After leaving the branch, I contacted Wells Fargo customer service by phone. Within less than 20 minutes, the representative was able to resolve my account concerns and answer all of my questions. This indicates that the issues could have been addressed properly during my branch visit. I am submitting this complaint because the service I received at the XXXX branch was dismissive and did not reflect reasonable customer assistance for a long-time account holder. I request that this interaction be reviewed and addressed by Wells Fargo management.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: NV

Complaint narrative:
I am disputing alleged debts being collected by January Technologies These debts do not appear on my credit report, and I have not received proper documentation proving that I am legally responsible for these amounts. January Technologies is attempting to collect the following amounts : {$490.00} {$280.00} {$120.00} I am requesting full validation of these debts, including the original creditor, the account number, payment history, the date the debt was incurred, and documentation proving that I agreed to these obligations. Until proper validation is provided, I dispute these debts and request that collection efforts stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CO

Complaint narrative:
I was never properly served documents were not personally served as required by law, and my mailbox was stolen in XX/XX/2025, meaning any mailed notices never reached me. I have documentation of the stolen mailbox

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Every time I call cash customer service to report fraud I dont get any help not one representative listens my old roommate used my laptop without my permission and charged my login information my card was charged 3 times with. XXXX and because my phone number and email was charged I cant reset my login information so once we verify my identity every representative lets me know they need. To call me back but because they dont listen to whats going on the call the number thats on the account and my account information was changed without my consent so I never get a call back they still havent canceled my card and filed a fraud claim so I can get help getting control of my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa. XXXX XXXX American First Finance XXXX XXXX XXXX XXXX, TX XXXX Re : Formal Direct Dispute Account No. XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I formally dispute the above-referenced tradeline and your furnishing of this account to the consumer reporting agencies. The account information is disputed as inaccurate, incomplete, misleading, and/or unverifiable, including but not limited to the reported charge-off status, balance, past-due amount, payment history, account type, remarks, date closed, and historical trended data. As a furnisher of information, you may not furnish information you know or have reasonable cause to believe is inaccurate, and you must correct and update information that is incomplete or inaccurate. After receiving notice of dispute, you are required to conduct a reasonable investigation, review relevant information, and report accurate results. Please provide the documentary basis for your reporting, including : 1. the original signed agreement or application, 2. full account ledger and payment history, 3 date of first delinquency, 4. charge-off calculation, 5. method of verification, and documents supporting the balance, past-due amount, account status, and remarks being reported. If you can not verify each disputed field with competent evidence, you must delete or correct the tradeline immediately. To the extent any third-party debt collector is involved in collecting or reporting this account, this letter also serves as a dispute of the alleged debt under the FDCPA. Any false, deceptive, misleading, unfair, or unconscionable representation regarding the character, amount, or legal status of the debt is disputed. Please send me the written results of your investigation and copies of the documents relied upon. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am filing a complaint regarding a dispute I submitted to Bank of America for a credit card charge of {$280.00} from XXXX XXXX XXXX. The charge appeared on my account statement in XXXX. I have made numerous attempts with the store and the bank about this problem The purchase was for an ear piercing and jewelry. After the piercing, my ear became infected and remained infected for approximately six months. Because of the infection and complications, I was unable to safely wear the jewelry that was purchased for nearly {$300.00}. The service and product I paid for effectively became unusable. I initially attempted to resolve this issue with the merchant directly before contacting Bank of America. By the time it became clear the merchant would not provide a refund or solution, I filed a dispute with the bank. Bank of America denied my claim stating that it was outside the 60-day notification period. While I understand the policy, I believe this situation deserves reconsideration. I made a good-faith effort to resolve the issue directly with the merchant first, and the service resulted in a prolonged infection and a product I could not safely use. I have also been a Bank of America customer for over 25 years and have always maintained my accounts in good standing. Given my long-standing relationship with the bank and the circumstances surrounding this charge, I am requesting that Bank of America conduct a supervisory review of this matter and consider issuing a courtesy credit or adjustment for the disputed charge. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: DE

Complaint narrative:
PayPal permanently limited my U.S. business account for XXXX XXXX XXXX XXXX. I have shipment evidence, invoices, and transaction records supporting legitimate business activity. Tracking was added to PayPal transaction details and carrier scans show shipment movement for multiple customer orders. I am requesting a manual review, a clear written reason for the permanent limitation, and written confirmation of when unrestricted funds will be released if PayPal refuses reinstatement. I have not been able to get a meaningful resolution through ordinary support channels. Email of paypal is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Dont know dates car was repoed in XXXX but written off in XXXX They failed to follow Ohio state law Orc 1309.611 Orc 1309.612 Orc.614 I asked all credit bureaus for copys of the letters Ohio codes say need to be sent to me which they did not with out those letter the debt is void and false reporting so they are violating the law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Sage LLC
State: SC

Complaint narrative:
I called to pay a collection on my credit report and I will swindled into setting up a credit repair which I was confused because I asked could I just pay the balance and they convinced me that I can pay a total of XXXX to clear my collection and to start working on my credit disputes, but instead once they process the XXXX from my bank account, they went on and proceeded to say I will be charged {$99.00} a month. I was misled and swindle into this cause if I knew I was going to pay additional fees, I wouldnt have took up on the offer. All I wanted to do was pay one collection. They charge fees upfront before even doing anything to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I moved out of XXXX XXXX due to my XXXX health ( the property wasnt safe for me and my children ) and I lost my job. I clean the place after I left and they added all these fees on

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: NV

Complaint narrative:
I am disputing alleged debts being collected by InDebted. These debts do not appear on my credit report, and I have not received proper documentation proving that I am legally responsible for these amounts. InDebted is attempting to collect : {$800.00} I am requesting full validation of these debts, including the original creditor, the account number, payment history, the date the debt was incurred, and documentation proving that I agreed to these obligations. Until proper validation is provided, I dispute these debts and request that collection efforts stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year>, I made a purchase online from a website called XXXX for a product listed as XXXX XXXX XXXX XXXX. The total amount charged to my XXXX card was {$480.00}. The payment was processed through XXXX, and I received a receipt from a merchant identified as XXXX XXXX XXXXXXXX. Shortly after the purchase, I began to suspect that the transaction was fraudulent. The website where I made the purchase is no longer accessible, and the seller has not provided the product I paid for. In addition, the receipt and follow-up communication appear to come from a different name ( XXXX XXXX XXXXXXXX ) that does not match the website I purchased from, which is highly suspicious. I reported this transaction to my bank and filed a dispute on XX/XX/year>, explaining that I had been the victim of an online scam. I also submitted supporting evidence, including screenshots of the order confirmation, the receipt, and the fraudulent website. Despite providing evidence that the website has disappeared and that the transaction appears to involve a deceptive or fraudulent merchant, my bank denied the dispute on XX/XX/year>. I believe the investigation was not conducted properly and did not adequately consider the evidence that this transaction resulted from a scam. I am requesting that the bank reopen and properly investigate this dispute and refund the {$480.00} fraudulent charge, as the merchant did not provide the goods and the website appears to have been part of a scam operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
From XX/XX/year> to XX/XX/year>, My credit card information was stolen and used without my permission. I rarely used the card and had it on auto pay so I didn't catch that it had been stolen until I got a text from Capital One asking if I had made a purchase at XXXX XXXX, and once I contacted them they closed the card and I checked my account. Once I went over all of the charges on the account, I saw that starting on XX/XX/XXXX with a purchase at a XXXX XXXX that I have never been to. I called Capital One as soon as I could, and spent over two hours on the phone with the person detailing every single purchase I had actually made and the dozens and dozens that I had not. He assured me that they would fix the issues and I would not need to contact police over the matter. I logged back in to my account some time later and saw that not only had they not fixed it, but the person on the phone had put in the starting date wrong, and now my account said I owed over XXXX ( which is XXXX over my credit limit so that shouldn't even be possible ) I called again and talked to a different person, and they also assured me they would fix it after going through the same process of detailing each transaction. What has followed is several months of them saying that I owe a portion of the charges that I had marked as fraudulent, with no reason. Every attempt I have made through multiple channels, they have refused to provide any explanation as to why or how they came to that conclusion. Almost every transaction that I dispute is to a store I have never been to, and now that they have made so many changes to the statements, I can no longer see what charges they are even saying I authorized. I was never given back any money from the statements that were paid on autopay, which goes into the thousands either, so I am asking that they drop the fraudulent charges that they have no evidence I authorized, and that the money that was paid to them via autopay falsely is returned

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding the handling of multiple disputes on my account serviced through Chime Financial , Inc.. I have filed several disputes regarding unauthorized or incorrect transactions. Each time I submit a dispute, the claim is marked as verified or denied within approximately 24 hours. The extremely short timeframe in which these determinations are made raises serious concerns that a proper and thorough investigation is not being conducted. Under Regulation E of the Electronic Fund Transfer Act, financial institutions are required to conduct a reasonable and good faith investigation of disputed electronic fund transfers. In many cases, financial institutions must either resolve the investigation within 10 business days or provide provisional credit while the investigation continues for up to 45 days. Based on the repeated pattern of my disputes being denied within roughly 24 hours, it does not appear that a reasonable investigation is being performed as required by federal law. Additionally, I have not been provided with any clear explanation, documentation, or evidence demonstrating how these investigations were conducted or how the conclusions were reached. It is also my understanding that accounts serviced by Chime are backed by partner banks such as XXXX XXXX XXXX or XXXX XXXX XXXXXXXX .. As federally regulated financial institutions, these banks are responsible for ensuring compliance with applicable consumer protection laws, including Regulation E. This situation has caused significant frustration, inconvenience, and emotional distress, as I rely on my financial institution to properly protect my account and fairly investigate unauthorized transactions. I believe my disputes have been repeatedly dismissed without a proper review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am filing a complaint regarding the handling of a disputed credit card charge by Apple Card, issued by Goldman Sachs. On XX/XX/25, I paid {$1100.00} using my Apple Card through a payment link processed by XXXX for the purchase of a puppy from an online seller, XXXX. The seller advertised a puppy for sale on a website and provided a delivery date after payment was made. After the payment was processed, the seller immediately ceased all communication and never delivered the puppy. It is clear that this was a fraudulent puppy sale scam. I promptly disputed the charge with Apple Card and provided documentation including email correspondence with the seller showing the agreement to purchase the puppy and the promised delivery. Despite this evidence, Apple Card repeatedly denied my dispute. This transaction should qualify as a goods not received dispute, as the merchant accepted payment but never delivered the product. To my knowledge, the merchant can not provide any proof of shipment or delivery. I have requested that Apple Card provide the documentation submitted by the merchant to justify denying my claim, including any proof of delivery, but this has not resolved the issue.

Company response to consumer: Closed with explanation