vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am filing a complaint regarding Capital Ones denial of my fraud claim for an unauthorized transaction on my account. Account details : Account type : Credit Card Last 4 digits : XXXX Disputed transaction amount : {$1400.00} and {$1400.00} Transaction date : XX/XX/year> and XX/XX/year> Merchant name/location : XXXX XXXX XXXX XXXX XXXX MA Summary of issue : I reported this transaction as unauthorized. Capital One denied my claim, stating that the transaction was completed using chip technology. However, the presence of a chip transaction does not prove that I authorized the charge. My card was in my possession. I did not authorize this transaction or provide my card to anyone. I was located in XXXX, MA, which is inconsistent with where the transaction occurred. Capital One appears to have relied solely on the fact that the transaction was processed via chip technology. This is not sufficient evidence of authorization. Fraudulent chip transactions can still occur ( e.g., lost/stolen card use, merchant error, or other compromise ), and Regulation Z requires a reasonable investigationnot a presumption of authorization. I requested documentation supporting their determination, but the agent said firs that we don't have that information and then that we don't share that information. I demand that Capital One reverse the unauthorized charges of {$1400.00} and {$1400.00}, remove any associated interest or fees that have yet to be accrued as of today, provide documentation supporting their investigation, including transaction verification details ( receipt, method of verification such as PIN/signature, and any fraud analysis ). I am requesting that Capital One conduct a proper investigation consistent with their obligations under the Fair Credit Billing Act and Regulation Z. I certify that the above information is accurate to the best of my knowledge and that I did not authorize this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am filing this complaint against XXXX and Aidvantage for unfair and abusive accounting practices, specifically illegal interest capitalization and payment misallocation. My loan history dates back to XXXX, yet my principal balance continues to grow despite my payments. Specifically, my records show a {$2100.00} 'Capitalized Interest ' charge in XX/XX/XXXX and erratic payment application ( e.g., XX/XX/XXXX vs XX/XX/XXXX ) that suggests my payments are not being applied according to federal law. I am requesting a manual audit and payment count adjustment under the IDR Account Adjustment rules to reflect my 20+ years of repayment history. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
I am a veteran applying for a VA home loan through New American Funding ( NAF ), and I am filing this complaint due to significant delays, repeated requests for previously submitted documentation, and unprofessional conduct that resulted in me missing my scheduled closing date. I went under contract on XX/XX/year>, with an original closing date of XX/XX/year>. XXXX represented that my loan could close within approximately XXXX days. However, I did not receive the full list of underwriting document requirements until XX/XX/XXXX, more than XXXX weeks after going under contract. I submitted all requested documentation the same day. Despite my prompt compliance, I was repeatedly asked to resubmit documents that had already been provided, often without clear explanation. Communication throughout the process was inconsistent, disorganized, and lacked accountability. On XX/XX/XXXX, just XXXX days before my scheduled closing, I was informed that I would miss the XX/XX/XXXX closing date. At that point, I was forced to escalate the matter to the CEO due to the lack of urgency and resolution from the loan team. As a direct result of these delaysmany of which were outside of my controlI missed my closing date, causing financial and personal hardship, including potential additional costs and significant stress. Additionally, my experience with NAF has at times been unprofessional and disrespectful. As a XXXX utilizing a XXXX loan benefit, I expected a higher standard of service and professionalism. I am requesting : A formal investigation into the handling of my loan A clear explanation for the delay in initiating underwriting ( XX/XX/XXXX XX/XX/XXXX ) An explanation for repeated document requests after submission Reimbursement for any financial damages incurred due to the missed closing Immediate corrective action to move my loan forward without further delay Assignment of a single, accountable point of contact I respectfully request prompt attention and resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This account from LVNV Funding LLC is being reported on my credit report with a balance of approximately {$890.00}, despite the fact that the debt has already been paid. The account was opened/reported around XX/XX/year> and continues to be reported as a collection/charge-off with a past due balance. I disputed this account and requested documentation showing that the balance remains owed, including a full payment history, proof of the outstanding balance, and verification of the original creditor. I also requested documentation supporting LVNV Funding LLCs authority to collect and report this account. The information being reported is incomplete and inaccurate. The account is listed with an unknown account type, lacks proper payment history, and does not clearly identify the original creditor, making it difficult to verify the legitimacy of the debt. Despite my dispute, the account continues to be reported as derogatory without adequate validation. As this account has already been satisfied and has not been properly validated, I believe this reporting is inaccurate and in violation of my rights under the Fair Credit Reporting Act. I am requesting that this account be fully investigated and removed from my credit report if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: OH

Complaint narrative:
IC SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research IC 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 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Hello cfpb & Venmo team someone used my Venmo card Used without my permission.And unknown person used my crad merchant name XXXX shows on my Venmo statement Yes I have too late .for open Dispute. XXXX I don't have any idea what is dispute and what is chargeback.When I shared this issue with my friend, he helped me open a dispute. A few days before these connections were completed, My family was going through a lot of financial crisis, so I was trying to get a small loan from various websites online but most of them were fake.No one gave me a loan, but someone stole my card information and withdrew dollars from my account.I was taking some dollars from friends and putting them in my account, and when they were stolen, I was completely devastated. Please Venmo team and cfpb please refund my money, I don't have any relation with this merchant. My Venmo information XXXX Name : XXXX XXXX Mail XXXX XXXX XXXX I did not authorize this transaction. I don't have XXXX it's confirmed and I don't know what is XXXX Finally I'm request Venmo team please refund my money.im still broken Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I received a fraud alert from a phone number of XXXX Telling me that I needed to call a different phone number of my bank. The number they gave me was XXXX. They answered Webster Bank. Which is my bank. They then asked me for my social which I would not give them then they asked me for my account number. I started to give that to them she couldn't hear me and she asked me for a couple times I finally hung up. Then I looked up my bank 's phone number and I called and I proceeded to let them know what had happened and found out none of those phone numbers were theirs. Or even the fraud alert number. There was an actual alert made to my account. Because a company I do deal with try to take money out that was not there. I had already let them know that it was going to be late. But our lines got crossed. That was legit. I had gotten a text from my bank letting me know that. That was legit. The two phone numbers that I had given you were secondary to that. Those were not legitimate. I was told by my bank to report it to their fraud alert. I may as well have been telling myself the information. So I decided to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: U.S. BANCORP
State: MI

Complaint narrative:
U.S. Bank Product : Mortgage Issue : Private Mortgage Insurance ( PMI ) removal What happened : I am submitting a formal complaint regarding my mortgage servicers handling of a borrower-requested PMI cancellation. My current unpaid principal balance is approximately XXXX XXXX of the homes original value, placing me well below the XXXX XXXX loan-to-value threshold required for borrower-requested PMI cancellation under the Homeowners XXXX XXXX. Despite meeting this requirement, the servicer is conditioning PMI cancellation on payment of a {$150.00} property valuation/reassessment fee. This requirement appears inconsistent with the intent and application of the Homeowners Protection Act. My request is based solely on original value and actual principal paydown, not on any claim of increased market value. As such, requiring a valuation fee introduces a financial barrier to PMI cancellation even though statutory thresholds have already been satisfied. Additionally : The servicer has not provided any written policy, investor guideline, or regulatory basis supporting this fee All communication has been limited to phone calls, with no written documentation provided upon request I have maintained a strong payment history and am current on the loan While I understand servicers may verify that the property has not declined in value, the imposition of a mandatory fee in this context raises concerns regarding whether the servicer is unreasonably restricting a borrowers right to cancel PMI. Additional concern : If the servicers policy is to require a fee in all borrower-requested PMI cancellation cases, regardless of whether eligibility is based on original value or appreciation, this may constitute an unreasonable barrier to PMI cancellation and warrants further review.

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 2026-04-30 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: AZ

Complaint narrative:
I purchased a XXXX XXXX carbon fiber steering wheel trim from XXXX XXXX on XX/XX/year> for {$290.00}. The company sent me a defective product, and then replaced it with another defective/damaged product and stopped communicating with me. I filed a dispute with Citi Bank, and they failed to conduct a thorough and fair investigation, leaving me out {$290.00} and with a defective/damaged product. Summary of issue : The original item received was defective ( misaligned/miscut and did not function properly with steering wheel buttons ). The merchant acknowledged the issue and sent a replacement after I returned the original item. The replacement item, received XX/XX/year>, was also defective. It had a broken mounting tab on the back, causing the trim to be misaligned/popping out and not be properly attached. Attempts to resolve : I contacted the merchant on XX/XX/year>, XXXX, requesting a return and refund, including photos of the defect. I followed up again on XX/XX/year>. I attempted to call the merchant once on XX/XX/XXXX and twice on XX/XX/XXXX using the phone number listed on their website, XXXX on XX/XX/XXXX, I did get through on XXXX of my calls but was told the number was not correct. This was the same number I had contacted them on for the replacement of the first defective item I received no response to any communication attempt. Important clarification : The dispute appears to have been denied because the merchant stated I still have the item. This is correct ; however, I have been unable to return it due to the merchants failure to provide return authorization or instructions despite my multiple outreach attempts. I remain fully willing to return the defective item upon receiving proper return instructions and a return shipping label. Conclusion : The merchandise is defective, and the merchant has been unresponsive, preventing resolution. Under these circumstances, I am requesting that the charge be reversed. I can provide : Photos of the defect Copies of all email communications Call attempt details Thank you for your reconsideration.

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 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson capital is reporting account number XXXX to my credit report i have contacted this company to inform them of my identity being stolen and used to open up this account. I have also included this account number in my FTC report. I am requesting this account too be removed from reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/year> I received my final move out statement from leasing office. They had charged me for appliances replacements. On XXXX I informed them right away that all appliances were in working order there wasnt anything wrong with them. They just werent cleaned properly. I told them I will pay cleaning fees if they just removed replacement charges, but they never responded back to me. They failed to communicate and prove their charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citi XXXX XXXX credit card was closed under wrong circumstances. I believe there was no wrongdoing in my part as I was only attempting to use my credit card and after the phone call to Citi the representative told me that my card was being shut down. I felt weird attitude while she was asking me questions and felt i was being mistreated and discriminated. I thought highly of Citibank and would ljke to continue to do business with them. I would appreciate if my account could be reinstated and want to thank the person taking the time to take this into consideration.

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 2026-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/year>, I opened a new checking and savings account with Chase as part of a promotional offer that included a {$300.00} checking bonus, a {$200.00} bonus for also opening a savings account and an additional {$400.00} bonus for completing both requirements and maintaining the accounts. I received the {$200.00} savings bonus, but Chase has failed to provide the {$300.00} checking bonus and the {$400.00} combined bonus, despite meeting all stated requirements in their terms : Checking bonus : Set up a direct deposit ( paycheck, pension, or government benefits ) into the new checking account within 90 days Savings bonus : Deposit $ XXXX of new money into the new savings account within 30 days Extra {$400.00} bonus : Complete both of the above Keep funds : Maintain the {$15000.00} balance for 90 days Payout : Bonuses are paid within XXXX days after all requirements are met On XX/XX/XXXX I called Chase to inquire why I had not received the {$300.00} and {$400.00} bonuses. A Chase agent named XXXX informed me that the direct deposits from my employer, XXXX XXXX, were not true direct deposits, claiming they were rather " bank transfers '', " like a person-to-person payment ''. This contradicts the promotion the terms, which state verbatim : " Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits such as Social Security from your employer or the government. Person to Person payments such as XXXX are not considered a direct deposit. '' My deposits clearly meet this requirement. They are from my employer and are labeled as ACH credits with a PPD ( Prearranged Payment and Deposit ) code, which is the standard classification for payroll direct deposits of paychecks. XXXX stated that a ticket would be opened and that a Research Team would contact me within five business days. I did not receive any call or voicemail within that timeframe. On XX/XX/XXXX, I moved communication to email to ensure proper documentation. Since that time, I have repeatedly requested that Chase either honor the bonuses or provide a written explanation identifying the specific terms that would disqualify my deposits. Chase has failed to do either. Instead, Chase has : Redirected me repeatedly to general customer service Attempted to move the conversation to phone calls rather than provide written responses Most recently instructed me to physically visit a branch in person rather than provide written responses Despite multiple attempts to resolve this directly with Chase, I have not received a clear written determination or justification for denying the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, we had XXXX XXXX come in to check our AC Unit and they told us that it was the HVAC and said that the AC Unit was burned out. They installed the HVAC and said the HVAC was in working order, but it was faulty installation ( failure to perform ). The next day we had a winter storm and the unit was not in working order. We contacted XXXX XXXX on the XXXX XXXX, and we talked to a manager and he stated that they had completed the job which they had not and told us not to contact them again! We then sent a certified letter to Service Finance Company , LLC to tell them that the job had not been completed. Several times between XX/XX/XXXX to the XXXX, we called Service Finance to tell them that the job was not completed and that their was faulty installation and the unit was not working. They continued calling us to release the funds to XXXX XXXX after we told them that the job was not completed. Between XX/XX/XXXX and the time that XXXX sent us the voicemail on the XXXX of XXXX and after the manager that we talked too was very rude and told us not to contact them again, we decided not to use their services. On XX/XX/XXXX, I received this voicemail from XXXX with XXXX XXXX. RE : Uh, this call is for XXXX XXXX. XXXX XXXX, this is XXXX with XXXX XXXX. I'm just calling to touch base with you. I've got a green light to install your system. It is going to remove the existing heater you're actually having the actual whole unit, not just the heater portion of it. The actual whole unit, replace it with a brand new unit that actually has an XXXX heater element. That is actually XXXX hotter than the existing one that wasn't quite getting the house warm enough. I'll be at your earliest convenience. I can install it today, sir. Excuse me, what's my my number XXXX. Thank you, have a great day. Now we received a letter dated XX/XX/XXXX from Service Finance Company , LLC which filed a UCC-1 Financing statement stated that we owed them for the services that was not completed. FYI : I have the voicemail that I received from XXXX, the owner of XXXX XXXX, and officially copies of the certified forms that was given to me from the Post Office plus the return certified receipts sent back from Service Finance Company , LLC.

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