vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I made a purchase from XXXX on XX/XX/XXXX in the amount of {$740.00}. On XX/XX/XXXX I signed up for a Plan It ( pay over time ) plan from Amex to pay this balance over XXXX  months with a small fee. I returned the item in XXXX and the full balance was credited to my account on XX/XX/XXXX. I contacted Amex on XX/XX/XXXX and requested that my plan be canceled or the refunded amount be applied to the plan so it would show as paid in full. I was given a customer service number of XXXX which is a gift card scam number. On XX/XX/XXXX I contacted Amex again and was advised that plans cant be canceled and my refunded balance cant be applied to the plan as they dont have a system for that process. Ive used alternate pay over time options with XXXX and other sources in the past and if an item is returned the balance is refunded and the plan is canceled. Im not sure why Amex doesnt offer this option but it seems like a ploy to continue to receive interest payments or fees by Amex .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Cease and Desist Request for Debt Collection Efforts Dear CREDIT COLLECTION SERVICES I am writing to formally request that you cease all communication and further debt collection efforts regarding the alleged debt referenced in your previous correspondence. I understand that you claim I owe a debt, but I dispute this claim and request that you immediately stop contacting me regarding this matter. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you cease all collection activities. Therefore, I am exercising that right by requesting the following : XXXXCease all telephone calls, letters, emails, or other communications regarding the alleged debt. 
XXXXProvide verification of the debt, including a detailed statement outlining the original creditor, the amount owed, and any supporting documentation to confirm that the debt is valid. 
If you continue to pursue this matter without providing the requested verification, or if you do not comply with this cease and desist request, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies, including state regulators, and take any other legal actions available to me. 
Please note that this letter is a formal request under the FDCPA, and I expect compliance with my request immediately. Any further contact or collection efforts without verification will be considered a violation of my rights under th HT e law. 
Thank you for your immediate attention to this matter. 
Sincerely, [ XXXX XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I contacted Wells Fargo customer service to confirm whether my credit card account was fully paid and whether any remaining balance would accrue interest. I was told by the representative that my balance was {$0.00} and that no interest would be charged. 

On XX/XX/year>, I called again and spoke with a supervisor who reviewed my account and stated that the previous representative had provided incorrect information. The supervisor informed me that a balance did remain on the account and that my autopayment did not pay the full statement balance because of a payment that had been made several weeks earlier. 

I contacted Wells Fargo again to clarify the payment date and the status of my balance, and I was again provided with incorrect or inconsistent information. 

As a direct result of relying on this misinformation, an interest charge of {$92.00} was applied to my account. Had I been given accurate information on XX/XX/year>, I would have immediately paid the remaining balance to avoid interest. 

All of these calls were documented on my end, and Wells Fargo records and monitors customer service calls. I am requesting that the call recordings be reviewed and that the {$92.00} interest charge be reversed, as it was caused by inaccurate information provided by Wells Fargo representatives.

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 2026-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USA Credit Solutions, Inc
State: LA

Complaint narrative:
THIS IS A FRAUDULENT EMAIL that was sent to me. They are impersonating USA ACS.

USA ACS INCORP XXXX XXXX ( XXXX minutes ago ) to me Case File # Total outstanding : {$1300.00} Settlement Payment for Today : {$680.00} Date : XXXX, XXXX XXXX  This is in reference to your account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX At this point you have made your intentions clear and leave us no choice but to protect our interest in this matter. 



The Lender is filing these charges against you : ( XXXX ) VIOLATION OF FEDERAL BANKING REGULATION ( XXXX ) COLLATERAL CHECK FRAUD ( XXXX ) THEFT BY DECEPTION We are sending this to the further department for legal charges and will be sending you the court papers in the next few business days. Once the charges are filed you will not be able to do any negotiations or settlement on this account and the interest rate will keep on increasing on a daily basis. 



This is your last and final chance to settle this case. If you don't take it seriously we have to take hard steps against you. 



If we will not get a response from your side within next XXXX hours then we will forward your case file to the Attorney Generals office with the information that you are involved in fraudulent activity with XXXX of the companies. 



Once you are found guilty in the courthouse then you have to bear the entire cost for this lawsuit {$4200.00} which is excluding loan amount, attorney 's fees, and the interest charges. 



Dear debtor, as we were investigating your profile credit bureau & social security administration we need some right answers from your side. Also we would like to know when you can pay the requested {$1300.00} to settle this case. 



NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS. 


IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY CONTACT US THRU EMAIL. 





Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint about the treatment my wife, XXXX XXXX, and I, XXXX XXXX, received from a manager at [ Name of Bank ] on [ date of visit or call ]. Our account number is XXXX. 

I reached out to the online banking manager because our account was restricted from receiving a fee waiver because the bank had charged a {$15.00} maintenance fee on an account that had been at a XXXX balance for the past XXXX weeks. 

This fee caused the account to go negative, even though we do not have overdraft protection. When we asked for the fee to be reversed, the manager refused and spoke to me in a very condescending manner. She talked down to me as though we did not know how to speak English, despite the fact that English is our primary language.

The manager repeatedly claimed that it was against regulation to provide a credit or refund the fee and used the phrase banking regulation several times. She used strong language that implied she would be breaking the law if she reversed the charge. However, she did not provide any written explanation or cite a specific regulation. Her behavior felt intimidating and unprofessional. 

I believe her conduct was motivated by race and national origin discrimination. She treated me as though I were subhuman, and her tone and choice of words suggested bias. Her entire session felt prejudiced and disrespectful, and it left me feeling humiliated and dismissed. 

We respectfully request that the Consumer Financial Protection Bureau : XXXX. Investigate this incident for possible discriminatory and unfair treatment. 
XXXX Review whether the banks explanation about regulation was accurate or used to justify inappropriate conduct. 
XXXX. Ensure that the bank provides training to its staff on fair, respectful, and nondiscriminatory customer service. 

Please contact me at the information below if you need any additional details or documentation. 
Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau. 

I am submitting this complaint regarding XXXX XXXX XXXX XXXX, in connection with a consumer financing loan issued for services at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX XXXX XXXX Florida. 

This loan was issued on XX/XX/year>, for cosmetic procedures that were never performed. Within XXXX hours of my initial evaluation visit, I sent written cancellation emails due to medical reasons. My physician expressly prohibited me from undergoing the treatments, and I provided supporting medical documentation. 

Cherry financed this transaction under invoices and electronic consent forms that I DID NOT meaningfully review or receive in full prior to execution. 

Importantly, XXXX, which financed a related loan for the same provider and same transaction period, conducted a formal dispute investigation. XXXX ruled in my favor and reduced the loan to XXXX, determining that I am not responsible for repayment. 

Cherry financed the same provider under the same circumstances, yet has not provided similar relief. 

This matter is currently pending before the XXXX XXXX XXXX XXXX However, I am requesting that Cherry conducts a fair and independent investigation consistent with the findings made by XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Coradius International LLC
State: TX

Complaint narrative:
American Coradius XXXX is attempting to collect a debt from me. On XX/XX/year>, the company received my certified written request for debt validation and a cease-and-desist notice. Despite receipt of this letter, the company has continued to place repeated collection calls. I have documented at least XXXX attempted calls occurring after XX/XX/year>, including calls as recent as XX/XX/year>. 

The cease-and-desist letter also included a formal request for debt validation. To date, I have not received any written validation or documentation of the alleged debt. The continued calls constitute collection activity after certified receipt of a written request to cease communication and prior to providing validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/XXXX, I used a combination of points ( 129,252 ) and {$2500.00} in cash ( charged to my Chase Sapphire card ) to purchase a XXXX XXXX laptop through The Shops at Chase. I received an email confirming my order, but never received an email indicating that the laptop was being shipped. After a few calls to find out the status, I was told that it shipped and for whatever reason was never delivered and XXXX took the laptop back. After much frustration, I called and spoke with XXXX, the supervisor to cancel my order on XX/XX/XXXX. The order page in The Shops at Chase finally acknowledged the cancellation on XX/XX/XXXX. When I spoke with XXXX, the Supervisor on XX/XX/XXXX, he said the communication to the bank to issue a full refund of points and cash was on XX/XX/XXXX. I requested a confirmation number but he said that was internal information. 

I have called either Chase or The Shops at Chase at least weekly since the beginning of the year and each entity points to the other party and says they can not see the information from the other party and claim there is nothing they can do. I am left in the middle holding the bag and neither party is taking responsibility. Failing to credit my account timely is a Reg XXXX violation and their actions in holding onto my funds is unfair, in violation of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-12 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: OH

Complaint narrative:
XX/XX/XXXX, I did a missed register letter from XXXX court. I looked it up and contacted the company. I did pay and lawsuit was supposed to be dismissed. 

XX/XX/XXXX I looked the record no XXXX court, no lawsuit not dismissed and I see they are charging a fee to mail. They claimed to serve today on XX/XX/XXXX, I didnt not receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I got a fraudulent transaction for {$5000.00} on my chase credit account, I reported it to chase the same day since it hadn't posted, and they got rid of the charge and gave me a new credit card. Then on XX/XX/XXXX, another transaction for the same amount for the same amount posted on my credit card. I called chase and they told me there was a second transaction on XXXX XXXX and on the call the operator agreed it was a mistake on their side, and they would get rid of the second transaction, and they cancelled my new card and sent me another. The same charge posted again today ( XX/XX/XXXX ), this time when I called chase they told me I got rebilled because they had investigated and thought the second fraudulent transaction was a valid transaction and ended up billing me for it. They refused to report the transaction as fraud and give my money back even though the operator had admitted it was fraud on XX/XX/XXXX and now are trying to make me pay {$5000.00} for something I didn't do. I feel as if the bank is taking the easy way out, they didn't blacklist the merchant or anything and didn't do their due diligence when the fraud was reported the first time. 

Out of the XXXX transactions XXXX transaction was on the card ending with XXXX while the other has a card ending in XXXX. Chase shows both these transactions occurred on XX/XX/XXXX, one posted again on XX/XX/XXXX and was reversed, and one posted again on XX/XX/XXXX and was not reversed. Specifically the transaction they are not reversing which posted on the XXXX showed that it occurred on the XXXX with a card that I could not have had with me at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
we received first letter from national credit systems, a debt collector in mid XX/XX/year> about the attempt to collect the debt and we called the debt collector on XXXX XXXX when we clearly disputed the debt over the call and later sent emails to debt collectors dispute email id disputing validity of the debt ( attached emails ), as we continued to receive calls from Debt collector ( on XXXX XXXX, XXXX XXXX, XXXX XXXX etc ) threatening to report this to credit bureaus without reviewing our dispute and without validation of the debt. 
We also previously raised a CFPB complaint ( ID - XXXX ) reporting this and debt collector replied suggesting it would review the dispute and supporting documents we sent. However, debt collector has completely ignored the dispute and supporting documents we sent and documents we requested in the dispute and has already reported the debt to credit bureau. 
Please note, there is NO supporting document that the creditor or debt collector has shared with us except the lease agreement and summary of move-out charges without any reasonable supporting documents ( such as Proof of actual cost incurred, evidence of odor and another charges ).

for e.g- the creditor has charged {$240.00} for odor neutralizer and claims it is from cooking smell without any supporting evidence that it is an odor, and the lease agreement nowhere mentions that one can not cook within the apartment. As we have mentioned in all our disputes, there was no odor in the apartment when we left it, and we always maintained the apartment neat and clean and used natural fragrance within the apartment. 
We have also provided photos, videos of dry wall damage that happened from a water leakage that creditor did not fix for months and later when we vacated the apartment, the creditor is trying to charge us {$220.00} for painting the dry walls. I am attaching the photos and multiple maintenance requests we submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
The representative told me she can apply a late fee after I make my XXXX payment. The late payment happened in XXXX. Once I asked to speak to a supervisor she tried to continue to tell me the same false story and had me on hold for a while. Then she came back and said she can apply the late fee payment once my XXXX payment is scheduled. I told her I need to speak to a supervisor. Supervisor told me I don't need to schedule a payment in XXXX in order to have a late fee applied. This makes sense because the incident happened in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
SOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research SOURCE XXXX 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 XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: NY Community Financial, LLC
State: NY

Complaint narrative:
I am filing this complaint regarding a money order I purchased that was fraudulently cashed, and the issuing company has failed to reimburse me despite completing all required steps and waiting far beyond the timelines they provided. 

On XX/XX/year>, I purchased a money order in the amount of {$980.00} from Community Financial Service Center ( CFSC ). The intended recipient never received the payment. When I contacted CFSC, I obtained a copy of the cashed money order and discovered that it had been fraudulently endorsed and cashed by someone other than the intended payee. 

Following CFSCs instructions, I completed a police report, submitted a fraud affidavit, and provided all supporting documentation. At that time, CFSC informed me that reimbursement would take approximately three months. 

After the initial threemonth period passed, I contacted CFSC for an update and was told the investigation could take up to seven months or longer. It has now been over seven months, and I have received no reimbursement, no meaningful updates, and no explanation for the excessive delay. 

I have fully complied with every requirement, submitted all documentation promptly, and acted in good faith throughout this process. CFSC has repeatedly extended the timeline without justification and has not fulfilled its obligation to reimburse me for the stolen funds. 

I am requesting your assistance in obtaining immediate reimbursement of the {$980.00}. 

This situation has caused unnecessary financial hardship and inconvenience, and I am seeking regulatory intervention to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
I purchased a vehicle which the dealer would not stand behind. I had to fix and issue which was dealer created and they would not stand behind it. The dealer would not refund my money and I filed a compliant with the credit card company. I just want my refund back asap.

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 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
XXXX Money was stolen from me I requested money back and Ive made a police report as well As someone hung up in my face XXXX  while trying to get this dispute handled! They have all the information and dont want to give my money back

Company response to consumer: Closed with explanation