vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XXXX XXXX XXXX, three charges of {$99.00} each ( {$290.00} total ) appeared on my Apple Card under " Apple XXXX. '' I did not authorize these transactions. I immediately reported the charges, blocked my card, and opened a dispute with Goldman Sachs ( Apple Card issuer ). Temporary credits were issued during the investigation. I contacted Apple ( merchant ) to identify the charges. Apple support confirmed they were unable to locate these transactions in my Apple account or purchase history and advised me to contact my bank. I provided this information to Goldman Sachs and requested the evidence used to determine that the transactions were authorized, including account, device, and authentication details. Despite this, Goldman Sachs concluded that the transactions were authorized and reversed the temporary credits, without providing specific proof that I authorized them. These charges do not appear in my Apple purchase history, which indicates my card information was used fraudulently on a different account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Kikoff Inc.
State: KS

Complaint narrative:
Kikoff trade line ( credit building ) took two transactions of {$40.00}, on XX/XX/XXXX and XXXX. I asked them to close the account and refund the charges. They refused stating it's past 45 days Today is XX/XX/XXXX. How is 10 days 45 days past date?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I am submitting this complaint regarding Resurgent Receivables LLC. On or about XXXX, 2026 I received communication from Resurgent Receivables LLC attempting to collect an alleged debt in the amount of {$610.00}. I timely disputed the debt and requested full validation under the Fair Debt Collection Practices Act. Specifically, I requested documentation including a copy of the original signed agreement, a complete account and payment history, and proof of Resurgent Receivables LLC legal ownership of the debt through chain of assignment. Resurgent Receivables LLC responded with only limited or summary information and did not provide sufficient documentation to properly verify the debt. The response did not include adequate proof of the original agreement, full account history, or complete ownership records. Despite my dispute and request for validation, the company has continued to report and/or attempt to collect the debt without providing proper verification. I am requesting that Resurgent Receivables LLC either provide full and proper validation of this debt or cease collection activity and remove any related reporting from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates purchased my XXXX XXXX XXXX XXXX account ending XXXX which was charged off and sold on XX/XX/XXXX for XXXX. XXXX confirmed this sale in a letter dated XX/XX/XXXX. Portfolio Recovery Associates has not provided complete debt validation including original signed cardholder agreement complete payment history and documentation of the chain of ownership from XXXX to Portfolio Recovery Associates. I have not received any communication from Portfolio Recovery Associates validating this debt. This account may be reporting on my credit bureaus without proper validation documentation. This violates 15 USC 1692g requiring complete debt validation upon request 15 USC 1692e prohibiting false representations and 15 USC 1692f prohibiting unfair collection practices. I demand complete debt validation or immediate deletion of this account from all three credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: ME

Complaint narrative:
In 2022 I consolidated my student loans. Mohela sends these transactions to an outside company called XXXX. My consolidation was approved and returned to Mohela. They did not discharge the loans that were consolidated. Instead, they simply added the consolidated loan to my account as if it were a separate loan. They have been reporting account increases and balances that are inaccurate since 2022. To example this, my original loan amount, including interest, at the time of the consolidation in 2022 was approximately {$170000.00}. Record now show that I paid {$190000.00} and still owe {$170000.00}. This puts my loan amount at around {$350000.00}. ( please forgive my approximations- I am not at my home office ). Through my entire time at school, the aggregate limit allowed by the XXXX XXXX. of XXXX was XXXX. This means that no student can borrow more than that amount, unless using XXXX XXXX loans. I have been trying off and on to contact Mohela for the last year and a half and have never once gotten any live help or contact other than a form email. Simply put, Mohela screwed up and are being completely non-helpful. I need as much help as I can get to fix their errors. I have filed complaints with the FTC and the XXXX. of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
Waypoint Resource Group confirmed through a CFPB response dated XXXX XXXX, 2026, that this account was withdrawn and that credit bureaus were updated. However, the account continues to be reported with a balance on my credit report. This is inaccurate and directly contradicts their official statement. XXXX XXXX, and XXXX verified or are reporting this account without resolving this inconsistency. If the account was withdrawn, it should not be reported at all. I am requesting immediate deletion of this account from all credit bureaus due to inaccurate and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am submitting this complaint regarding a promotional bonus offered by American Express in connection with a XXXX XXXX XXXX Account. On XXXX XXXX, 2026, I opened a new American Express XXXX XXXX Savings Account under a promotion that stated I would earn a {$500.00} bonus after : ( 1 ) opening the account by XX/XX/year> ; ( 2 ) depositing at least {$25000.00} within 30 days of account opening ; and ( XXXX ) maintaining that balance for 60 days. I deposited more than {$25000.00} into the account on XX/XX/year>. I maintained a balance exceeding {$25000.00} continuously until XXXX XXXX, 2026, which is more than 60 days from the date the funds were deposited and reflected in my account. However, I did not receive the promised {$500.00} bonus. When I contacted American Express, I was informed that they calculate the XXXX holding period based on a date later than the actual deposit posting date ( XXXX XXXX, 2026 ). According to their internal calculation, I only maintained the required balance for 59 daysone day short of the requirement. I believe this determination is inconsistent with the terms of the promotional offer as presented to me. The offer did not disclose that the XXXX period would be calculated from any date other than when the qualifying deposit was made and posted to the account. A screenshot of the promotional terms, as displayed at the time I opened the account, is attached. Given that I satisfied the stated requirements based on a reasonable interpretation of the offer terms, I respectfully request that American Express honor the {$500.00} bonus as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
The minimum payment of XXXX dollars was made at XXXX the cutoff time for payments to be credited the same day was XXXX. The statement processed had a late fee on it for not paying on time even though the payment was scheduled in plenty of time to be credited the same day. While the online account has since been corrected the statement still shows the incorrect amount and the incorrect amount was reported to the credit bureaus. I would like to know why this happened when the payment was made in plenty of time to be processed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: CA

Complaint narrative:
On XX/XX/year>, I noticed two charges to my Capital One XXXX XXXX one for {$110.00} and another for {$500.00} to XXXX XXXX in XXXX. I never provided my card for these amounts to any vendor. I disputed these charges to Capital One, but because they said I still had the physical card it was considered a face-to-face transaction. They refused to request any receipts or proof of sale, their denial relied SOLELY on the fact that a physical transaction was made. They refused all escalation of the dispute and closed the investigation with any additional follow-up. This is a significant amount of money they are refusing to protect me from against fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Unauthorized ATM Withdrawals due to Mail Theft and Identity Theft 1. Incident Overview : On the morning of XX/XX/year>, at approximately XXXX XXXX, two unauthorized ATM withdrawals were made from my Citi debit account at a Citibank ATM located on XXXX XXXX, XXXX XXXX. The transactions totaled {$1000.00} ( {$200.00} and {$800.00} respectively ). 2. Physical Impossibility of Authorization : I departed the United States on XX/XX/year>, and remained abroad during the time of the incident. I have official documentation ( Attachments # XXXX XXXX XXXX Travel Record ) proving that I was not physically present in the XXXX when the card was used at the ATM. 3. Mail Theft and Non-Receipt of Card : I never received, possessed, or activated the Citi debit card or the associated PIN mailer. Apartment management has confirmed that these items never arrived in my mailbox. It is evident that the card and PIN were intercepted during the mailing process. 4. Official Reports Filed : To substantiate this claim, I have filed the following official reports : XXXX ( XXXX. XXXX XXXX XXXXe ) Mail Theft Report : Reference # XXXX ( Attachments # 1 Report Mail Theft - XXXX XXXX - XXXX ) XXXX ( XXXX XXXX Police Department ) Police Report : Case # XXXX ( Attachments # 3 XXXX ) 5. Dispute Status and Legal Basis : I contacted Citi customer service to dispute these charges, but the claim was denied on the grounds that " a PIN was used. '' This reasoning is flawed as the PIN and card were stolen via mail before they ever reached me. Under Federal Regulation E ( 12 CFR 1005.6 ), I am not liable for unauthorized transactions resulting from a lost or stolen access device that I never accepted or received.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Subject : Complaint Regarding Mishandling of Fraud Victim Case and Account Restriction I am submitting this complaint regarding my experience with JPMorgan Chase Bank, N.A. concerning a fraud incident that has resulted in account restrictions and a negative balance for which I am being held responsible. I was the victim of a check fraud scam involving social engineering. An individual contacted me and manipulated me into depositing three checks in the amounts of {$400.00}, {$300.00}, and {$200.00}. At the time of deposit, I believed these checks were legitimate. However, it later became clear that the checks were fraudulent. I have substantial evidence, including text message communications, demonstrating that I was misled and pressured into depositing these checks. The individual made false representations about the legitimacy of the checks and attempted to gain access to my bank account credentials, which is consistent with known fraud schemes. After the checks were returned, my account was placed under restriction by Chase, and I was left with a negative balance of {$200.00}. While Chase reversed two of the returned items, they are refusing to reverse the remaining {$200.00} and have declined to classify this situation as fraud or open a formal fraud investigation. I have contacted Chases fraud department and explained that I was a victim of a scam. Despite providing context and offering evidence, they have refused to escalate the matter appropriately or reconsider their decision. Instead, they are treating this as a standard returned check issue rather than a fraud case involving criminal deception. I am requesting that the CFPB review this matter and require Chase to : 1. Properly classify this incident as a fraud/scam victim case 2. Conduct a formal investigation based on the evidence I can provide 3. Reconsider the negative balance resulting from fraudulent checks 4. Ensure that I am not unfairly penalized or reported to consumer banking systems ( e.g., ChexSystems ) as a result of being a victim of fraud I acted in good faith and was deceived by a third party engaging in criminal activity. I am seeking a fair review and resolution based on the full circumstances of this case. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AR

Complaint narrative:
I am filing a complaint regarding what appears to be improper servicing of my student loan account, repeated Auto Pay failures, unauthorized forbearance placement, confusing payment changes, and negative credit reporting. My loan has been placed into forbearance even though I did not request forbearance. This status appears to be negatively affecting my credit score and preventing normal repayment of my loan. On numerous occasions, I have tried to enroll in Auto Pay so I could make timely monthly payments and remain current. However, the Auto Pay setup either does not remain active or does not process payments. I have experienced situations where I believed Auto Pay was active, but no payment was withdrawn. This directly resulted in a late payment that I believe was caused by the servicers system failure rather than any unwillingness on my part to pay. In addition, when I try to set up XXXX XXXX, it appears to later be removed or blocked because the loan is in forbearance, even though I never requested forbearance in the first place. This creates a cycle where I try to make payments, the payments are not processed as expected, the account remains in forbearance, interest continues to accrue, and I am unable to make meaningful progress on the loan. I am also very concerned about the structure of the repayment amount. My payment is currently shown at a lower amount, but it appears scheduled to nearly double in XXXX. At the same time, interest continues to accrue. This makes it feel as though I am being kept in a situation where interest is collected while I am not being given a fair or consistent opportunity to pay the loan down in a normal way. It does not appear that the current servicing of this account is designed to help me successfully repay the loan, even though I have made repeated efforts to do so. I have now paid a month in advance in an effort to bring the account current and show good faith. I am trying to pay this loan, but the servicing issues, unauthorized forbearance, Auto Pay failures, and negative credit reporting are making that unnecessarily difficult. I am requesting : An investigation into why my account was placed into forbearance without my authorization A review of the repeated Auto Pay enrollment and payment failures Correction of any inaccurate negative credit reporting caused by these servicing issues Removal of any unauthorized forbearance status, if appropriate A clear explanation of why my payment is currently one amount but appears scheduled to nearly double in XXXX A repayment structure that allows me to make normal recurring payments and make actual progress toward paying down the balance rather than only accruing interest I am willing and trying to pay this loan. I need a fair opportunity to do so without administrative barriers, unexpected payment changes, added interest, and damage to my credit.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: NJ

Complaint narrative:
The debtor / collector refuses to provide formal documentation and proof of debt ownership, etc and their response doesnt follow FCRA guidelines and consumer protection laws. This debt collector has not met legal requirements and refuses to comply with the law and has been noncompliance with my request

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: IL

Complaint narrative:
I requested a pay-off balance on XX/XX/XXXX, on a recorded line, and was told I could pay off the balance in XXXX ; I was also given a pay-off balance that included XXXX. When I called to pay off the balance on XX/XX/XXXX, I was told the house was sold. I requested a re-instatement, which was granted, and had a payoff date of XX/XX/XXXX. I couldn't pay on XX/XX/XXXX because banks were closed in observance of XXXX day. I contacted XXXX XXXX ( who represents Selene XXXX ) and was denied the ability to pay the following day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: PNC Bank N.A.
State: RI

Complaint narrative:
PNCBK XXXX XXXX Is the identifier for the attempted transaction. PNC bank. They have tried multiple times to withdraw funds from my account at XXXX. XXXX XXXX also did this and finally acknowledged it after I made the compliant here. XXXX XXXX refuses to take responsibility or address attempts to take funds from my accounts. I have not opened any accounts with PNC, I have not authorized them to use my name of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
The company LVNV Funding LLC, has contacted my XXXX daughter about a debt I owe. According to the Fair Credit Reporting Act, the debt collector can not contact anyone not related to the debt owed; on or around XX/XX/year> LVNV Funding LLC sent my XXXX daughter an email pertaining to my debt. The company is associated with XXXX XXXX Bank which currently has an active civil lawsuit against them as of XX/XX/year> for violating consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I applied for a mortgage for a home purchase and was initially quoted an application fee of {$590.00}. Shortly after, the lender increased the fee to {$1200.00}, stating the original amount was a system error. On multiple occasions ( XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I was explicitly told via email that the {$590.00} fee would be corrected and honored. Based on these representations, I continued the loan process in good faith and did not pursue alternative lenders. As closing approached, I was informed that the fee would not be adjusted and would remain at {$1200.00}. I raised this issue multiple times and requested that the lender honor their prior written commitments or apply a lender credit to offset the {$650.00} difference. The lender stated they were unable to make any changes due to compliance reasons. I proceeded under the expectation that the agreed-upon fee would be honored, but the lender failed to follow through on their repeated assurances. I am requesting reimbursement of the {$650.00} difference and a review of the lenders practices to prevent similar situations for other consumers.

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 2026-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was in HOME DEPOT buying a fridge. The lady told me if I open a credit card that I could have no interest for XXXX years. I login into my account to see there was interest charges after XXXX year. So I called the bank on XXXX XXXX,2025 and spoke to a lady on the phone and explain what happen the called end with she would remove the interest charges by the next bill date. I login today and the balance still didn't have the credit so I called back no one could help when all the way to the highest rep. She told me that she listen to the audio on the phone call and even though the store and rep told me wrong that I would not receive a credit I told there is a pattern with misleading information and she said she knows and that there is still nothing they can do about it. I ask for the audio and that I was going to make a complaint with y'all and she said y'all will have to request them.

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