vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am filing a formal complaint regarding XXXX XXXX handling of my XXXX XXXX account and the promotional offer I accepted in XXXX. The offer clearly stated that, in exchange for paying the {$890.00} annual fee, I would receive XXXX Membership Rewards points after completing {$8000.00} in purchases within six months. 
American Express charged the annual fee on XX/XX/XXXX. I have spent {$7600.00} on the card since I opened the account, using it for all of our endofyear shopping and travel expenses specifically to meet the promotional requirement. By doing so, I forfeited the opportunity to earn higher rewards and cashback benefits available on my other credit cards. 
For the past six years, I have always paid my American Express accounts on time. At the time of this incident, all of my Amex cards had a XXXX  balance, and I owed nothing to American Express. 
However, when I attempted to use the XXXX XXXX to book a hotel through the Amex XXXX website, specifically to redeem the {$300.00} hotel credit, the payment was unexpectedly declined. Immediately afterward, all of my American Express cards were suspended without warning. As a result, I lost access to the hotel credit, the restaurant credit, and all other unused benefits for XXXX. 
This suspension occurred right before I was about to complete the remaining spending required to earn the XXXX promotional points. American Express has already collected the {$890.00} annual fee and benefited from the {$7600.00} in purchases I made on the card, yet they have prevented me from receiving the benefits and rewards that were explicitly advertised as part of the offer. 
I contacted multiple American Express representatives, and I was repeatedly told that this is your agreement and you signed it. At no point did I agree to pay the annual fee only to have my card suspended at XXXX XXXX discretion in a way that minimizes the benefits owed to me. This practice appears to serve only the financial interests of American Express. 
After researching online, I discovered that many other customers have experienced similar issues. It appears that American Express may be profiting substantially by charging annual fees and then suspending accounts before customers can redeem the benefits they paid for. 
I hold more than 30 credit cards across various banks, and I have never encountered this type of treatment from any other financial institution. This issue seems unique to American Express, which appears to believe it can act without accountability toward its customers. 
I am requesting a full investigation into this matter, reinstatement of my account, and fulfillment of all promotional benefits and credits that were promised to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Atlantic Recovery Solutions LLC
State: AR

Complaint narrative:
The reps have called me repeatedly prior to XXXX my time zone. I advised them I am no longer living in the state they were trying to collect in and they stated they sent a letter to that old address. I provided my current address and requested a letter about 3 weeks ago and haven't received a letter still. The credit card debt they are trying to collect on is old and was discharged by the bank and hasn't been on my credit report with the last payment made 6 years ago. The debt is time barred and isn't collectible.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
Duplicate / Incorrect Student Loan Reporting The school was closed while still in attendance changed names 3 times. The original place I applied for was XXXX XXXX, then it switched to XXXX XXXX after the closure of XXXX XXXX. I never attended XXXX I have also applied for school closure discharge or public service forgiveness loan. I fall under the public safety category but they will not accept.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
I am submitting this complaint regarding Pollack and Rosen P.A., a law firm, attempting to collect and report a debt that does not belong to me. 

The farm is reporting and attempting to collect a XXXX XXXX, XXXX. account ( original account number : XXXX ) that is being associated with me in error due to a mixed credit file. I share a similar name with another individual ( XXXX vs XXXX ), and my credit file has been incorrectly merged. 

During a phone conversation on the XXXX of XXXX at XXXX ( 6 mins ) which stated that calls would be recorded, Pollack and Rosen explicitly confirmed that my Social Security number and date of birth do not match the account that they are attempting to collect. Despite this admission, the law firm has continued to associate this account with my credit file and has relied on an incorrect address that belongs to another individual, not me. 

This conduct constitutes : - Attempting to collect a debt from the wrong consumer. 
- Furnishing information they know or should know is inaccurate. 
- Continued reporting after actual notice of incorrect identification. 

This violates the FDCPA ( 15 U.S.C. 1692e ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

In addition to inaccurate credit reporting, Pollack & Rosen , P.A . filed a lawsuit against me and obtained a wage garnishment despite the fact that I am not the correct consumer, as the firm confirmed that my Social Security number and date of birth do not match the account. 

This demonstrates that legal action and garnishment were pursued against the wrong individual, causing reputation damage and financial harm. 

I am requesting complete deletion of all credit reporting, public record references, collection records, and any civil action entries associated with this account, as well as confirmation that my identity has been permanently disassociated from this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation
State: OH

Complaint narrative:
I received a loan from ALBERT PAYDAY LOAN. Once I paid my loan off, I attempted to cancel my subscription but instead my subscription being canceled, ALBERT Continues to take out multiple, small amounts from my checking account, causing my account to go into negative. 
I can't reach any customer service, there's Not any live chat, There's no way to retrieve immediate help! It's impossible for me to cancel subscription. 
Please Help me!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am the primary account holder on two ( 2 ) Capital One credit card accounts. A former authorized user was removed from both accounts several months ago. Despite the authorized user relationship being terminated, Capital One continues to furnish these accounts to the former authorized user 's credit report.

I submitted a written dispute to capital one identifying this as inaccurate authorized-user reporting. Capital One acknowledged the dispute, then closed it ( both opening and closing on XX/XX/year> ) without correcting the inaccurate furnishing, stating instead that the former authorized user must contact Capital One to request removal.

I contacted Capital One by phone on XX/XX/year>, to request furnisher-side correction and escalation. Capital One representatives stated there is no supervisor or department available to handle credit reporting compliance and again insisted that only the former authorized user can initiate removal.

As the furnisher of the data, Capital One is responsible under the Fair Credit Reporting Act for ensuring the accuracy of information it reports. Once an authorized user relationship no longer exists and the furnisher has been notified, Capital One can not continue to report that trade-in to the former authorized user 's file.

I am requesting that Capital One submit a furnisher-initiated XXXX correction or XXXX XXXX XXXX XXXX XXXX XXXX to remove both Capital One trade-ins from the former Authorized user 's credit report and cease furnishing inaccurate authorized-user information.

I am not requesting an authorized-user initiated removal. I am requesting correction of inaccurate data being furnished by Capital one after notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
I had an account with Juno and they might have been involved with the XXXX  failure. But they are routing me to XXXX XXXX  for a refund. 

Want to make sure everything is made whole. 

My current balance on Juno Bank is {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I deposited my IRS income tax refund in the amount of {$6400.00} into my Truist account XX/XX/year>. Truist accepted the deposit and then flagged it as fraud, froze the account, and closed the account. Truist is now withholding the funds and claims it can not release them unless the IRS provides a hold harmless letter. Truist also stated that the funds could be held indefinitely without this letter. 

The U.S. Department of the Treasury has provided written confirmation that the Treasury check was negotiated and that no further action will be taken. Truist has not provided any written documentation identifying the IRS authority requiring such a letter, nor any proof that the IRS has requested reversal. 

I am requesting that Truist immediately release my funds or provide written documentation supporting its claim that an IRS hold harmless letter is required to resolve this matter.

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XX/XX/year> - Removed the current account for autopay with Citi XXXX XXXX card and added a different payment method ( confirmed by email that the request to change the payment method was received ) XX/XX/year> - Received a confirmation email that {$5000.00} would be withdrawn from the new account on file and there was nothing else I needed to do. 

XX/XX/year> - Citi withdrew {$3800.00} from the former account on file ( the one that was removed ) XX/XX/year> - Citi withdrew {$5000.00} from the new account that was the confirmed payment method on XX/XX/year>. 

XX/XX/year> - Called ( XXXX ) to request a refund of {$3500.00} and was told that I would see the refund in 3-5 business days. 

XX/XX/year> - Called Citi ( XXXX ) to get the status of my refund and was told that they needed verification from my bank. The Citi representative called my bank and they in fact confirmed that the payment was removed from my account on XX/XX/year>. I was on the phone for over 1 hour and was told that it would be another 3-5 business days. I called back to ask why I needed to wait so long for the refund, and the Citi representative told me that the refund was on hold until XX/XX/year> and it was my bank who was holding up the transaction. 

XX/XX/year> - Called my bank to inquire as to why they weren't accepting the refund and was told that they haven't seen any transactions from Citi. 

XX/XX/year> - Called Citi back to tell them that my bank isn't holding anything up and I wanted an immediate refund. The Citi representative told me that there was nothing I could do and the hold would remain in place until XX/XX/year> because it was the first time in 14 years that I made a large payment on the account. I requested statements for the last 7 years to confirm her statement, but they have not been received to date since they need to be mailed. 

XX/XX/year> - Called Citi again in response to an email dated XX/XX/year> ( XXXX ) indicating that they were reviewing the information from my XX/XX/year> phone call and they would " contact you once they're finished. '' The representative said that the refund was approved yesterday, XX/XX/year>, but I do not have any written confirmation. Once again, it would take XXXX business days to receive the refund. With the holidays, this puts the refund status at XX/XX/year>. 

I advised Citi that I was in the process of getting a divorce and my husband has stopped making payments. They were also told that my mortgage is due on XX/XX/year> and I needed the funds to make that payment. All requests were ignore and to date, I still do not have the refund of my credit balance of - {$3500.00}.

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MD

Complaint narrative:
Subject : Formal Complaint : Deceptive Interface Design and Improper Account Closure Case # XXXX I am filing this formal complaint against Chime for the sudden closure of my account without notice, a deceptive account recovery process, and the resulting risk to a pending U.S. Treasury deposit. 

1. Failure of Account Access & Misleading UI : On XX/XX/year>, I attempted to log in to my account to monitor a significant deposit from the U.S. Treasury. Despite entering correct credentials, I was blocked. The " Forgot Password '' function repeatedly returned errors. Following Chimes internal prompts for " verification, '' I was redirected to a flow that I later discovered was an account creation page. The interface was not clearly labeled as a new application, leading me to believe I was simply verifying my identity to regain access to my existing funds. 

2. Unauthorized Account Closure : Upon contacting customer support ( Case # XXXX ), I was informed that my original account was permanently closed automatically because the system detected a " new '' account. At no point during the recovery flow was I warned that proceeding would terminate my primary account. 

3. Poor Customer Service & Lack of Recourse : Chimes support team refused to escalate my call to a supervisor or provide a mechanism for technical feedback. This indicates a systemic refusal to address a known " loop '' in their system that effectively locks consumers out of their funds. Online research confirms this is a recurring issue where users are routed into new accounts and subsequently lose access to their original balances and incoming transfers. 

In summary, Chimes failure to provide clear UI labeling or a warning regarding account termination is a deceptive practice Customer support has been unhelpful, refusing to escalate the matter to a supervisor or address the technical flaw. I demand an immediate review of XXXX # XXXX, the restoration of my account, and a guarantee that my Treasury deposit will not be rejected or withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Driveway Finance Corporation
State: WA

Complaint narrative:
I am disputing the interest rate being applied to my auto loan.

My signed Retail Installment Contract lists an APR of 6.99 % on a new vehicle loan with an original principal of {$71000.00}.

However, my monthly account statements show interest charges that are mathematically inconsistent with a 6.99 % APR and instead appear consistent with a substantially higher rate.

I have not received any documentation authorizing a higher interest rate, nor any notice of a rate change.

I am requesting that the lender : 1. Confirm the APR currently applied in the servicing system 2. Provide the daily interest rate calculation used 3. Provide a full amortization schedule 4. Correct any billing errors and apply any required interest credits This complaint concerns a potential servicing or compliance error related to interest calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-30 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
The account name is XXXX XXXX XXXX. 

This compliant against American Express comes because they allowed XXXX to charge our credit card that was stored on file at XXXX without our permission. 

We did not authorize these charges with XXXX on XX/XX/year>. These were fraudulent charges and we notified American Express in advance that XXXX was trying to process a charge that was not authorized by us but American Express paid it any way. We did not authorized these charges and we do not owe American Express. They should not have allowed those charges to take place with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DC

Complaint narrative:
I was transferred to a new service provider to handle my loans unbeknow to me and without written communication or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
i tried XXXX number can ; t get through automated XXXX. no one answers the phone. 

called multiple branches no one answers, went to the brank, no one could help. 

the bank is open, but no one to help. 

i am trying to file a despute. days of automated hell.wo n't take my information. 

this has gone onfor months. filed compliants no help. 

i have been a customer for 20 yrs the service has detroiated.. 

very poor service. i am tired of being stressed out from automated XXXX and no servic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was a former customer in XXXX  with Citibank. Because of terrible service and account issues I requested to close the account. Howevery i applied back with them and found out it was declined. I was told the account was forced closed by them because of fraud. I am like I have never had any issue like that so why would they list that on that account. The agent would not provide any details and I told her I am the one who closed the account or at least requested it to be closed. I just want that information corrected. Because I requested it to be closed. There was no force closure.

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 2025-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: OH

Complaint narrative:
I deposited a check on XX/XX/year>. Today, XX/XX/year>, I received a message from Discover that said they were holding the funds. I called and spoke with a Supervisor/Manager, requesting that they do a phone verification whereby they call the bank on the check to ensure the availability of the funds and then post the deposit and clear the float on the check so the funds would be available on XX/XX/year> to move to XXXX. The check was from a title company. The supervisor at Discover said he had to review my account for eligibility before he could call to verify, then he refused to do the verification.

Company response to consumer: Closed with explanation