vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/XXXXThis matter concerns an online order I did not receive and Macy\'s failure to process a credit to my store card.XX/XX/XXXXplaced the online order at XX/XX/XXXX onXX/XX/XXXX (XX/XX/XXXX) for XX/XX/XXXX identical coats inXX/XX/XXXX sizes. They cost XX/XX/XXXX each and were sent via XX/XX/XXXX in XX/XX/XXXX shipments to my husband\'s office address.XX/XX/XXXXOnlyXX/XX/XXXXof the XX/XX/XXXXcoats was received (on or around XX/XX/XXXX) and I returned it in-person to Macys at XX/XX/XXXXChicago on XX/XX/XXXXThe XX/XX/XXXX coat was not received. I contactedXX/XX/XXXX on XX/XX/XXXX to track the shipment. XX/XX/XXXX investigated, stated the package was delivered to the wrong address, and they could not retrieve it. XX/XX/XXXXstated it would contact Macys about this matter and advised me to contact Macy\'s for a refund.XX/XX/XXXXI spoke with a Macy\'s customer service on XX/XX/XXXX and submitted an online credit card dispute. I received a letter from Macys Credit Customer Service Team dated XX/XX/XXXX acknowledging the disputed transaction inquiry. I received aXX/XX/XXXXletter dated XX/XX/XXXX stating the dispute was resolved in my favor, and that an adjustment should appear on my statement within XX/XX/XXXX billing cyclesXX/XX/XXXXI contacted Macys customer service multiple times between XX/XX/XXXX and XX/XX/XXXXfor an explanation as to why my credit card had not been credited. These interactions were documented by Macys customer service representatives. I was told the order department saw theXX/XX/XXXX credit from the coat I received and returned and closed out the dispute for the coat I did not receive. And that nothing could be doneXX/XX/XXXXOn XX/XX/XXXX a claim was reopened (Case IDXX/XX/XXXX). On XX/XX/XXXX, a dispute department investigator told me that the matter had been resolved in my favor and it would take the order department XX/XX/XXXX business days to process the credit.XX/XX/XXXXOn XX/XX/XXXX, I received an email from XX/XX/XXXXMacys Customer Care Specialist stating that the refund request could not be processed because Macy\'s was not notified within XX/XX/XXXX days delivery that the order was not received. I called Macy\'s customer service on XX/XX/XXXX and spoke with an order department supervisor (XX/XX/XXXX), who stated the dispute department\'s resolution was denied because the claim was initiated more than XX/XX/XXXX days after the incident. "XX/XX/XXXX" stated nothing more could be done.'

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 2026-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Lending Services LLC
State: SC

Complaint narrative:
What happened : I am filing a complaint regarding inaccurate credit reporting on my credit file. My account with Global Lending Services ( Account Number : XXXX ) is currently being reported as a charged-off account, which is incorrect. This account was never charged off. It remained with the original creditor, Global Lending Services, and was paid directly with them. At no time was this account written off, sold, or classified as a charge-off. Despite this, the account continues to be reported inaccurately, which is negatively affecting my credit profile and financial standing. .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
The collection agency, XXXX XXXX XXXX is suing me for a debt. I responded to the filing, and a date has been set for us to appear in court. The case is still open and very current. The complaint is that I have also recently received an email from the same agency that is suing me on behalf of XXXX XXXX, Stenger and Stenger XXXX XXXX XXXX, about the same debt, to pay them directly via their website. If paying is option, why the lawsuit? This is completely unethical if not illegal in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XX/XX/XXXX, I made a payment of {$3600.00} to XXXX XXXX XXXX XXXX XXXX XXXX the authorized collection agency for BMO Harris Bank XXXX XXXX issued a written confirmation on XX/XX/XXXX stating that they received the payment and that BMO Harris Bank accepted it and applied it to the account. Despite this, XXXX XXXX XXXX is reporting a {$6100.00} balance, a {$6100.00} pastdue amount, and no payment history. This is mathematically impossible based on the documented payment that BMO accepted. XXXX is reporting the full balance as if no payment ever occurred. XXXX is also reporting an opened date of XX/XX/XXXX, even though XXXX was collecting on the account in early XXXX. This creates an ownership and timeline conflict. XXXX has not provided verification, chain of title, or documentation showing how they calculated the reported balance. I disputed the account, but XXXX did not correct the inaccurate information. The reporting remains incomplete and inconsistent with the original creditors records. This appears to violate FCRA accuracy and completeness requirements. I am requesting a full investigation and correction or deletion of the inaccurate tradeline.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Hi, I have had a harrowing experience with TD Auto with a loan I took out for my car. It was a XXXX year loan that I had set up autopay for. The last payment was due in XXXXXXXX XXXX XXXX My final payment did not go through properly. According to TD Auto, this was due to the fact that my autopay was set up for ~ {$200.00} a month and the final payment was for only ~ {$60.00}. They did not contact me at all. They just closed my account marking it as in deragatory//Paid profit and loss, closing the account out due to nonpayment, and reported it out to credit agencies. I found out in late XXXXXXXX XXXX XXXX When I checked my credit score. I immediately called them to fix the problem, but had difficulty with their systems being down ( repeated hang ups on calls, their online service is always down ). I finally got a hold of a representative in early XXXX XXXX XXXX This representative reassured me that this happens all the time, and that if I paid now, she could submit a request to their credit department to have the status of the loan adjusted. I agreed and paid the {$60.00} over the phone. XXXX months later and there was no update to my credit report. I called again in late XXXXXXXX XXXX XXXX and I was told by another rep that TD auto can not adjust reporting out to credit agencies. I know that is a lie. At that point, I submitted a dispute with XXXX. It was accepted, and by mid XXXXXXXX XXXX XXXX the status of the loan was corrected to Paid in Full. It does not stop there, XXXX XX/XX/XXXX, the status of my loan was adjusted back to XXXX, paid off profit/loss on my credit report. It is tanking my credit score by XXXX points. I am out of options and do not know what to do. XXXX points over a {$60.00} late payment seems like they are not representing what actually happened correctly, and there was no reason for me to work with them to pay off the late {$60.00}. I also have not received the title to my car from them yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Interest rate
Company: Data Mortgage Inc.
State: NC

Complaint narrative:
In early XXXX, I received written communication from my original mortgage lender stating that my interest rate would be reduced to 6 %. I relied on this representation in good faith while continuing to make payments on my loan. I entered XXXX XXXX service in the United States XXXX XXXX on XX/XX/XXXX and promptly provided my military documentation to the lender. Following this, my loan was reviewed, and I was led to believe that my rate adjustment to 6 % had been approved. However, my interest rate has remained at 6.25 %, and the agreed-upon adjustment was never implemented. I opened a formal dispute on XX/XX/XXXX regarding this issue and followed up again on XX/XX/XXXX after receiving confirmation that my military documentation had been processed. Despite these efforts, no corrective action was taken. While this dispute remained unresolved, my loan was transferred to a new servicer in early XX/XX/XXXX without resolution or clear communication regarding responsibility. This has resulted in ongoing financial harm due to a higher-than-promised interest rate. To clarify, while an SCRA review was initiated, my complaint is not solely dependent on SCRA eligibility. My primary concern is the lenders failure to honor a written commitment to reduce my interest rate to 6 %, as well as the failure to resolve this issue prior to the transfer of my loan. Actions taken : Relied on written communication promising a 6 % rate Opened a dispute on XX/XX/XXXX Followed up on XX/XX/XXXX Continued making payments at the higher rate I have documentation available to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I am filing a complaint against Midland Credit Management XXXX Inc. regarding an alleged debt of approximately {$12000.00} associated with XXXX XXXX that does not belong to me. I am a victim of identity theft, and this account is fraudulent. Despite informing the company that this debt is the result of fraud, they have refused to properly investigate or provide written validation of the debt. They have insisted that I access their website instead of sending documentation by mail, which I have requested. Additionally, the company has engaged in inappropriate and potentially illegal collection practices, including : - Contacting third parties, including my mother, regarding this alleged debt - Making repeated calls at inappropriate times, including after hours, weekends, and holidays- Refusing to provide proper written validation of the debt - Engaging in harassing and abusive conduct, including insulting my spouse during a recorded phone call. We have requested validation of this debt and have recorded conversations documenting these interactions. I am prepared to provide supporting documentation, including recorded phone calls and a formal dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am writing to dispute the inaccurate reporting of the account Spring Oaks Capital with number XXXX on my credit report. This account is currently reflected as XXXX with an opening date of XXXX, a date of last activity of XXXX, This information is incorrect, and I am formally requesting that this account be removed immediately. I sent a dispute letter on XX/XX/XXXX XXXX but no response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
on XX/XX/XXXX i went into wells fargo bank on XXXX XXXX XXXX XXXX, XXXX, XXXX and spoke with banker XXXX she took time out of her very busy day to help me. i explained to her i went to XXXX XXXX XXXX on XX/XX/XXXX and never left was convicted on XX/XX/XXXX and sentence to XXXX on XX/XX/XXXX i showed her all my paperwork proving this as well as my release date of XX/XX/XXXX. i also showed her the hard copy i had of my old checking account. it had ever deposit and purchase from XXXX to XXXX. this is all happening with my debit card while im XXXX XXXX. this is what im explaining to XXXX. she worked with me for an hour trying to help me. she was getting bumped back and forth on the phone.she was then told i would have to file a claim but the department was clased. so we made an oppointment for me to come back on XX/XX/XXXX at XXXX. when i came to file the claim over the phone ( with the help of XXXX ) after talking to a few people they told me they only keep records for XXXX years ( this would be XXXX XXXX XXXX ) and couldnt find my account. even though i have the old account number ( and told them what it was ) and offered to fax over my hard copy of my old account information as prof. i was told no and there was nothing they could do to help me .all together there was {$12000.00} ( plus XXXX years of interest i should of got on my money ) stolen from me out of my account id like the money back

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 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am filing a complaint against Nordstrom Card Services regarding their refusal to unlock my Nordstrom credit account unless I physically travel to a Nordstrom store to show my ID. I am XXXX XXXX XXXX and live more than XXXX XXXX from the nearest Nordstrom location. This requirement creates a significant hardship and effectively denies me access to my own financial account. I want to make it clear that I am fully willing to verify my identity. I am not refusing verification. I am requesting reasonable alternative verification methods such as : Secure document upload Email verification A mailed verification code Video verification Any standard remote identity verification process Nordstrom representatives have repeatedly refused to offer any alternative to an inperson visit. As a result, I have been locked out of my own credit account solely because I can not travel long distances. This policy disproportionately harms older consumers and those living in rural areas. It is inconsistent with industry-standard practices, creates an unnecessary barrier to account access, and raises serious concerns about fairness and accessibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I received and sold XXXX on Venmo XX/XX/XXXX and XX/XX/XXXX both days Venmo held my funds for no apparent reason. There has been no fraudulent activity whatsoever on my profile and they will not provide any help into getting my XXXX processed. I have tried speaking to customer service and nothing has been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: Chime Financial Inc
State: MO

Complaint narrative:
Awhile back I had purchased some items from XXXX XXXX cause they had offered at the time you can buy certain items for just XXXX dollars, I went ahead and placed my order and when I went back to check my account they had taken more then just the XXXX dollars out cause it was a try before you buy thing. I contacted chime and explained this to them which at the time they were extremely helpful and I asked them if they could put a block on my account to keep them from attempting to collect any more money. They put the block on my account and everything is well .. currently XXXX went back into my chime account and tried to collect the money on an empty account and put me in the hole. The charge wasnt authorized cause I had a block on the account to prevent this from happening .o contacted chime who said I could file a dispute so I attempted to file this morning, which I did but I had wanted to speak to a live agent cause I think they owe me money cause my account had a block on it to keep these very people out and chime went against that and let them charge an already overdrafted account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened an online Chase account and it let me login the first two days and then after that, it gives me an ad pop-up that says my account is locked to call that number for verification. I call customer support runs me through all the two-step verifications and theyre trying to tell me that the phone number that I used to set up the account is not eligible for account verification so I even tried to use my friends phone number. It also failed for account verification. I was then asked to call back and try again which I did and upon trying again, told the exact same thing so I told them I want my account closed. They refused to close the account pending my phone number verification that they will not accept. I just want the account closed cause I will not pay for an account that they will not let me into or unlock that is called a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
They keep sending me to the different servicers. They want give me any information that would give me a date they will release my funds. When the payoff will reflect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
So I can upload all the screenshots of my purchases, but Im a big shopper. I have XXXX babies so were constantly buying things and returning things trying new things if the babies dont like it we just try something else so Im constantly adding money to my bank and adding and adding money to my Cash app. And vice versa sometimes transferring the money between my bank and Cash app if I just got paid and Im purchasing an XXXX purchase on Cash app and of course Im gon na take it from my bank so that being said, they fraudulently close my account and my appeal is taking too long. I have a few refunds coming that Im going to need asap. please help. Also my dad and family were send money back and forth for helping each other out!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I am trying to close my PayPal account and they will not help me claiming I have an open dispute with PayPal credit which is closed as of XX/XX/XXXX. PayPal still claims it is open even after PayPal credit has sent them a letter and 3 way call confirmation as well while I was on the phone. I want to close PayPal and never use them again but they refuse to help me. I have called them numerous times in the last 4 months and they always say they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing to let you know I dont accept the outcome of this investigation and formally request that this charge b reviewed again.The original purchase with XXXX was showing pending on my Citibank card for approximately XXXX XXXX XXXX suddenly came off leaving us to believe the purchase did not go through, we then proceeded to purchase new tickets with XXXX instead in order not to offset our travel plans.Approximately XXXX weeks later the charges reappeared on our card, this happened with no reauthorization from us.Citibank did not contact us about this charge after such a long lapse of time, which clearly indicates red flag. XXXX never n I stressed NEVER sent us any emails or messages confirming flight details or anything, we simply got no correspondence from XXXX WE recently found out through XXXX that the departure leg of the trip was used with the tickets we bought from XXXX but the return leg was canceled by XXXX.We only learnt about this recently by calling XXXX because we got no correspondence about this either from XXXX or XXXXWe only recently also learnt that the return part of the trip was used with a XXXX ticket.It has come to our attention that after realizing that the passengers were double booked which is clearly a against policy, XXXX cancelled XXXX booking without notice. Based on these information we are holding both Citibank and skyhighavia accountable for an unauthorized change where services was not provided as originally agreed. I respectfully request that this change be reopened and the changes be reversed. XXXX XXXX

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 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I sent a debt validation letter to Radius Global Solutions in XXXX and the certified delivery date as proof shows it was delivered on XXXX. I did not receive any debt validation letter showing details and proof of debt. I then get an email from another company without any formal mail from the current debt collector stating they have bought the debt. The email from the current debt collector was sent on XX/XX/year>. The current debt collector states they have no information about why previous debt collector did not provide proof of debt and yet they are still pursuing the debt even after I disputed and requested debt validation letter.

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 non-monetary relief