vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I had an XXXX XXXX XXXX XXXX XXXX with Barclays. The XXXX XXXX program was transferred to XXXX and my credit card was supposed to be transferred to XXXX without any action on my part. Instead, Barclays issued a Arrival+ mastercard without my approval and did not transfer my account to XXXX XXXX They also canceled my XXXX XXXX even though it did not expire until XX/XX/year>. I have called many times and each time was forced to go through multiple steps to speak with a representative. Each time I was told my account would be transferred. At no point was a change in card reported to me nor any issue with my account as I did not have an outstanding balance. I contacted XXXX and was told that Barclays did not transfer my account to them. To me, this is fraud. They changed my account and blocked my XXXX XXXX account from accruing miles with credit card purchases. They tried to keep my account without my knowledge and in fact lied to me each time I contacted customer service. This is clearly intentional.

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 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is the information that they asked me to provide to them.And when I talked to them or the phone I told them, I would not be sending any information, but I am requesting information from you guys about the account and the matter of receiving {$660.00} that was overtaken from me and there was no response except it was taking off my credit report and the account is closed. I said, but you are still being investigated. No response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I called XX/XX/year> around XXXX. I asked why I was being charged monthly fees periodically, and when I set up this account they did not inform me me of minimum values. She said she could reimburse one month as a 'courtesy ' but the others are denied. I asked why this was not mentioned, and she asked, " Did you sign up online or at a Chase Bank? '' I asked why that makes a difference for my charges or level of service. She said, " Well if it was in a bank branch we could set it up differently. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I recently got layed off from my job and called to discussed possible options going forward and was told all they can do is waive late fees for a period of time. Also someone paid my hoa without my consent. Worried that it came out of my escrow which I did not authorize nor was I notified about it. Also have not been able to access there mobile app for a few weeks now. Ive deleted it and added it back, made sure latest version is installed and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: IL

Complaint narrative:
I am a public service borrower working as a XXXX XXXXXXXX on the XXXX XXXX XXXX XXXX ( XXXX ) track. I am filing this complaint because my student loan debt has been split across XXXX different loan servicers- MOHELA and XXXX XXXX and both companies have failed to coordinate my income-driven repayment billing under federal pro-rata regulations. As a result, I am actively being double-billed a combined total of {$430.00} per month instead of my single, legally approved Income-Based Repayment ( IBR ) amount of {$220.00}. My total approved monthly IBR payment across all of my federal student loans is {$220.00}. Per 34 CFR 685.209, when a borrower 's loans are split across multiple servicers, the monthly payment must be pro-rated based on the percentage of total debt held by each servicer. Instead, XXXX is actively billing me for the full {$220.00} amount, and MOHELA has independently approved and is billing me an un-pro-rated amount of {$210.00}. Timeline of actions taken to resolve this directly : On XX/XX/year>, XXXX sent me a formal communication confirming they could not fix the pro-rata split on their end because the automated data feed from Federal Student Aid ( FSA ) was incorrect. They instructed me to submit manual documentation. On XX/XX/year>, I formally revoked my IRS data-sharing consent on StudentAid.gov to halt the automated systems causing the error and filed an FSA Ombudsman dispute ( Case # XXXX ). Between XX/XX/XXXX and XX/XX/year>, I manually uploaded completed, signed XXXX Income-Driven Repayment paper applications along with my XX/XX/XXXX pay stubs directly to both the MOHELA and XXXX portals. While both servicers initially placed my accounts into temporary administrative processing forbearances while reviewing the manual data, those pauses have now expired as of late XX/XX/year>. My FSA Ombudsman case has remained stuck " In Review '' since XX/XX/year>, with XXXX resolution or coordination provided. Because my administrative forbearances have concluded and the servicers have entirely failed to coordinate or apply the statutory pro-rata calculation, I am now facing imminent financial hardship due to illegal billing practices. I require the following resolutions : XXXX. An immediate statutory pro-rata recalculation and adjustment of my monthly payment split between both companies so that my total combined monthly bill does not exceed {$220.00}. XXXX. An immediate extension of my administrative processing forbearances on both accounts to pause active billing until this coordinated math error is completely resolved by the companies and the Department of Education.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-05-28 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: ALLIANT CREDIT UNION
State: TN

Complaint narrative:
I filed a dispute with Alliant Credit Union for a {$100.00} debit card transaction with XXXX XXXX for merchandise I never received. Alliant denied my dispute, stating the merchant provided compelling evidence the merchandise has been delivered, and reversed the provisional credit on XX/XX/year>. The sole evidence used to deny my dispute was a XXXX carrier delivery scan. A delivery scan is not proof that the package was received by me it only confirms a scan was made by the driver. Misdeliveries are a documented and common occurrence. Furthermore, I have documentation showing that XXXX XXXX own customer service both via email and live text chat acknowledged that XXXX was unable to establish contact with me during the investigation. No one ever called, texted, or emailed me. XXXX XXXX used their own failure to contact me as the reason to close my case, then submitted that same tracking information to my bank as proof of delivery. Alliant did not request or review my counter-evidence before making a final decision. I was not given an adequate opportunity to respond to the merchants submission. This is inconsistent with Regulation E error resolution requirements, which require a thorough investigation before a final determination is made. I have the following documentation available : XXXX XXXX email confirming XXXX could not contact me Text message records from XXXX live agent confirming the investigation was closed due to inability to reach me Alliants final dispute denial letter dated XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Top Line Collectors LLC
State: NJ

Complaint narrative:
i owed XXXX $ to XXXX XXXX as shown in a previous complaint. they took the offer back and now its with another debt collector for XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was charged for an item that was proven to be returned and the merchant, XXXX, says they have refunded me. CITI are animals and THIEVES. Citi is the one charging me and I should not be charged. XXXX ) I am not in possession of the item XXXX ) The merchant has the item XXXX ) I have records the Merchant has the item. Yet Citi refuses to refund my CC. The issue isnt the merchant at this point its Citi who keeps billing me which is complete Theft and in violation of the Fair Credit Act. Citi must be stopped, penalized and investigated for such illicit activity. The amount in question is for XXXX for a charge on XX/XX/XXXX. THE MOST EGREGIOUS PART IS THAT CITI CONTINUOUSLY CLAIMS THY GAVE ME CREDIT. THIS IS ABSURD AND PROVABLY FALSE. I have multiple credits from that merchant but I have more than multiple charged from them as well and any credits are unrelated to this XX/XX/XXXX charge in question. CITI IS INCOMPETENT. They should be investigated and if nothing happens from this complained I will have to pursue this as a class action. I already have 5 clients testifying about Citi denying disputes illegally against the Fair Credit Act. The disputes were submitted in writing and ye Citi refused because they are lazy thieves.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> XXXX I received an incoming call from an individual claiming to be with the XXXX Fraud Department XXXX In which originally started with a text asking if i attempted a transaction amount of {$3100.00} XXXX at XXXX XXXX in which i responded no. The scammer successfully spoofed network data so that the official XXXX phone number appeared on my phone 's caller ID. Because the call appeared to come directly from XXXX, I fully believed I was speaking to an official security employee. The caller used intense, high-pressure tactics, claiming my account was actively compromised and that I needed to cooperate immediately to secure my funds. Under their explicit direction, I was instructed to add funds to my cash app from my debit card they then had me replace my card linked to cash app and link another debit card ending in XXXX in which they stated will be my new temporary debit card. I had no idea at the time that this card was compromised, stolen or belonged to an unrelated third party.All my funds were transfered to this debit card I was provided. I followed these instructions solely because the incoming call was masked as an official XXXX number and I believed I was cooperating with your protocols. Being a mom of XXXX small kids you can only imagine how this could have made me feel having to go days with no funds Causing financial hardship. My XXXX is in the negatives and provisional credit has not yet been issued. I issued claim with cash app claim # XXXX as well as with XXXX and have heard no updates as of yet. I was told i would have to waitv10 days and provisionary credit can not be given before then. I have filed a police report Police Department : XXXX XXXX Police Case Number : XXXX, report also filed with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: FL

Complaint narrative:
I am filing this complaint regarding Goldman Sachs Bank USA / Apple CardXXXX handling of a credit card dispute. I purchased the XXXX XXXX XXXX in XXXX from XXXX for approximately {$110.00}. I did not receive the item I ordered. Instead, the merchant sent a different item in the wrong XXXX and wrong size. I contacted the merchant and requested that they correct the issue or provide a prepaid return label for the incorrect item they sent. The merchant refused to provide a prepaid return label and attempted to require me to pay return shipping for their fulfillment error. I disputed the charge with Apple Card XXXX Goldman Sachs because the goods were not delivered as agreed. The dispute has now been denied XXXX times. The denial appears to be based on the idea that I received something and did not return it. That does not address the actual issue : I never received the item I purchased, and I did not accept the incorrect substitute item as fulfillment of my order. This should have been reviewed as a billing error involving goods not delivered as agreed under the Fair Credit Billing Act / XXXXXXXX XXXX. The merchants refusal to provide a reasonable return method for the wrong item should not shift responsibility to me. I paid the balance solely to avoid fees, interest, or credit reporting harm. I do not accept the validity of the charge and continue to dispute it. I am requesting that Goldman Sachs reopen the dispute, properly review the evidence, reverse the charge, and explain why the prior dispute decisions did not account for the merchant sending the wrong item and refusing to provide a prepaid return label.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
Subject : Request for Immediate Removal of Inaccurate Apartment Collection Account I am filing this complaint regarding an inaccurate collection account being reported on my credit report for an apartment debt in the amount of {$3900.00}. I dispute this account in its entirety and request its immediate removal from all credit reporting agencies. I fulfilled my lease obligations, moved out properly, paid my rent on time, and did not cause any damages to the apartment unit. At the time I vacated the property, my account reflected a credit balance, not a delinquent balance. I was never provided with valid documentation proving that I owed this amount, including any itemized list of damages, repair invoices, final account statement, or legally required move-out accounting. Despite this, the apartment complex and/or collection agency reported this account as a collection/charged-off debt, which has caused serious damage to my credit profile and financial standing. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information may be reported to consumer reporting agencies. I am requesting that this account be fully investigated and verified with proper documentation. If the furnisher can not provide legally sufficient proof that this debt is valid and accurate, the account must be deleted immediately from all credit bureaus. I am formally requesting the following : 1. Immediate investigation of this disputed account 2. Validation and documentation proving I legally owe {$3900.00} 3. Copies of any move-out inspection reports, damage claims, invoices, or lease violations 4. Immediate deletion of this collection account from XXXX XXXX XXXX XXXX if proper verification can not be provided This account is inaccurate, misleading, and unfairly harming my credit. I expect this matter to be resolved promptly in accordance with federal consumer protection laws. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I am submitting a complaint against LVNV Funding LLC for inaccurate credit reporting and failure to properly verify an alleged debt under the FDCPA. On XX/XX/year>, I sent a formal request for debt validation. Because LVNV Funding is a third-party junk debt buyer and not the original creditor, I explicitly requested proof of their legal standing, specifically the Chain of Title and Assignment showing they legally own this account. In response, LVNV Funding sent only a generic billing statement/printout. They failed to provide a Bill of Sale, assignment contract, or any legal documentation linking my identity to their purchase of this debt portfolio. A generic statement does not establish a legal chain of title or prove they have the right to collect or report this debt. Because they can not legally verify ownership of this debt, they are reporting unverified, potentially inaccurate information on my credit report. Desired Resolution : I request that LVNV Funding completely delete this inaccurate and unverified tradeline from my XXXX XXXX XXXX XXXX credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: GA

Complaint narrative:
I am disputing LVNV Funding LLCs reporting of this account. The original creditor previously deleted this account and the late payments from my credit report. I have disputed this account three times with all XXXX credit bureaus, but LVNV continues to report it. I contacted LVNV directly and asked for the original contract, payment history, and other documentation, but no information was provided. LVNV told me they did not have my payment information and would need to contact the original company. Even after that, LVNV continued reporting the account and it was reported again this month. I am requesting that LVNV delete this account or correct it only if they can provide full documentation proving the debt and the reported balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I was awarded my home in my divorce. My ex husband has forged my signature on a partial claim. I assumed the mortgage. In XX/XX/XXXX I was approved for a XXXX Exempt thru my county and I called my mortgage who advised me that they did receive my exemption and at the end of the call stated I had a XXXX XXXX. I said thats impossible because I assumed my mortgage. My signature was forged on XX/XX/XXXX by my ex husband XXXX XXXX XXXX. I filed a police report, and had to hire a criminal attorney. I am XXXX and freedom mortgage keeps asking me for the same documents. I have asked for any, and all documents that required my signature on there and they only provided me with the originating lenders docs. I am a victim of identity and forgery by my ex husband. I need XXXX point of contact at freedom mortgage that I can speak to per my XXXX requests.

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