vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX for billing errors and improper collection practices. My account ( XXXX XXXX ) under acct no XXXX was closed on XX/XX/year>, and I was issued a move-out receipt showing a {$0.00} balance. I paid {$54.00} on XX/XX/year>, using my XXXX XXXX XXXX XXXX Credit Card. A partial refund of {$24.00} was issued on XX/XX/year> confirming that the payment was received and applied and this represents admin fee only, since they are running a {$1.00} promotion for first month at that time. I also vacated the unit prior to XX/XX/XXXX in compliance with their stated policy that full monthly charges apply only if the unit is occupied after the 1st of the next month. Despite this, XXXX XXXX charged additional amounts ( {$25.00} on XX/XX/XXXX and {$30.00} on XX/XX/XXXX labeled as recurring ). These were duplicate/unauthorized charges. I disputed these charges with XXXX XXXX, and after investigation, the provisional credits issued on XX/XX/year> were confirmed as final and resolved in my favor, confirming the charges were invalid. A corporate representative XXXX XXXX XXXX stated by phone that they can not see my {$54.00} payment, which contradicts the refund issued and my bank records. XXXX XXXX is now attempting to collect {$31.00} and has referred my account to Cedars Business Services , LLC, despite : - My account being closed with a {$0.00} balance - The charges being invalid and already resolved - Clear proof of payment and refund This is an attempt to collect on invalid charges and reflects improper billing and collection practices. I am requesting : - Immediate removal of the {$31.00} balance - Recall of the account from collections - Written confirmation that my account is {$0.00} - Confirmation that no negative credit reporting has occurred or will occur I am prepared to provide supporting documentation including my move-out receipt, bank records, and refund confirmation. This matter should be resolved immediately. Respectfully yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I applied for the Apple Card issued by Goldman Sachs Bank USA and my application was declined due to a previous account closure for suspicious activity. I contacted customer support multiple times and an escalation was created ( Case number : XXXX ). I was later informed that the investigation was completed, but no specific explanation could be provided, and the flag can not be removed. I would like to clarify that : * I do not have any outstanding debts or financial obligations * I maintain a clean and active financial profile * and I am not aware of any activity that would justify such a designation I am not disputing the banks right to approve or decline applications. However, I am requesting : * a clear and specific explanation of the alleged suspicious activity * confirmation that the information used is accurate and not outdated or incorrect * and clarification on whether there is any process to review or resolve this restriction Without transparency, I am unable to verify or correct potentially inaccurate information that may be negatively affecting my financial access. I respectfully request a formal review of my case and a detailed response from the appropriate department.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
SoFi bank has cause me XXXX XXXX XXXX they stole {$4900.00} from my landlord from a XXXX account when I cant dispute XXXX transactions than stole the {$4900.00} back from me XXXX XXXX XXXX XXXX XXXX XXXX give me my money no now mail me my check asap for {$4900.00}. The lied and said the auth the withdrawal of the money and didnt bc Im back XXXX woman there lies win give me my money I have days for I end it give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: SC

Complaint narrative:
Ace checking in XXXX XXXX NC keeps harassing me saying I cash a fraud check with them after I took my federal tax return check to them they verified the check before cashing everything cleared now even week they're calling me saying they're pressing charges on me I've done everything they ask me to I've been in touch with the irs and turbo tax who has advised me the check is a valid check this company called me on XX/XX/year> and said on XX/XX/year> they are taking charges on me for fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I've gotten contacted from this company before regarding a debt that's not even in my name and I'm tired of them contacting me they email me they call me and they text me all the time. My number is on the national do not call list and I never authorized them to contact me I can provide the latest email they sent me for your records

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Data and Contact Management Solutions, LLC

Complaint narrative:
The billing statements are incorrect due to an XXXX XXXX XXXX error involving misapplied phone numbers and charges. The account is not properly reflecting the correct device/line associated with the billing. The XXXX XXXX line ending in ( XXXX ) XXXX ( fraudulent/incorrectly billed line ) is being improperly mixed with an unrelated XXXX XXXX line ending in ( XXXX ) XXXX. As a result, the billing contains incorrect and disputed charges, including : XXXX : {$84.00} XXXX : {$99.00} XXXX : {$94.00} Final XX/XX/year> bill shows XXXX XXXX number ( XXXX ) XXXX with a charge of {$410.00} These charges are inaccurate and should be removed or corrected. Based on my calculations, the correct final amount owed should be {$820.00} after proper adjustment, not {$1500.00}. This is an XXXX XXXX XXXX billing error. Once corrected, I will be able to pay the legitimate balance from the estate of my late husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had opened this bank account simply to receive my student Fafsa funds. And after some months of account being opened I had lost my card and I started noticing transactions I didnt make also deposits I also had no knowledge of I called Citi bank to let them know but they were never able to verify me and the answer was that my social security number was incorrect.. I also started receiving emails of checks being deposited and flagged and because they entered my information wrong when I first opened the account and couldnt verify me they closed my account and are charging me for the returned checks

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 2026-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
This company has called and harassed me, calling multiple times a day including after XXXX, for my husbands late car payment. On XX/XX/26 I asked them to no longer call me and they continued to do so from multiple numbers. I am a XXXX XXXX XXXX and the multiple calls a day were not only distressing to me, but could have potentially disrupted my phone line and delayed people from getting timely medical care.

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
Consumer complaint received 2026-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc.
State: CA

Complaint narrative:
Afterpay support supposed just emailed me unless someone is spoofing their email address as of today, XX/XX/year> with a reference number. After pay support has not called me and I do not have afterpays support number since they do not have XXXX. Their email support has been garbage and when I have requested to be called back at a number they can reach me at, the XXXX number, they refuse and try to contact me at a number that seems to be compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am submitting this complaint regarding an unauthorized transaction involving my bank account with Wells Fargo. On XX/XX/year>, my account was charged {$2700.00} in connection with a transaction related to selling a television through XXXX. I intended to receive payment for the item ; however, instead of receiving funds, {$2700.00} was withdrawn from my account without my authorization. I promptly reported this issue to Wells Fargo and filed a claim ( Claim Number : XXXX ) over a month ago. Despite my efforts to resolve the matter, the bank has not completed its investigation or provided a clear resolution within a reasonable timeframe. As a result, I have been deprived of {$2700.00}, which has caused financial hardship. I believe this transaction was unauthorized and should be treated as fraud.

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 2026-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: NY

Complaint narrative:
I mailed a letter out to Revco solutions requesting more information about a charge off that is on my credit report i gave them 30 days to respond and received nothing in return. The address associated with this bill i have not lived at for years. When the account was opened i was not even old enough to have XXXX or any bill for that matter. This account was opened fraudulently, & unknowingly by someone else. I would appreciate if this can please be removed off of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX. Im looking to find out who actually has been working on my identity and also my personal assets for the past couple years. I am a honest man and I for one does not like a thief. Im attaching a copy of a Cash App report that can give you an idea hopefully because unfortunately I spent all last year incarcerated and I would have had no way of getting my hands on any type of cell phone let alone Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: CITIBANK, N.A.
State: NY

Complaint narrative:
This complaint is a follow-up to a previously closed complaint regarding the same dispute, which remains unresolved due to Citibanks failure to conduct a reasonable investigation and accurately review submitted evidence. This matter involves a {$9500.00} transaction for a cosmetic procedure in New York where services were not rendered as agreed. I disputed the charge and provided supporting documentation, including photographs clearly showing no visible or measurable change in my XXXX XXXX in the areas that were billed for treatment, including the XXXX, XXXX XXXX, and XXXX. On XX/XX/2026, I submitted additional evidence via email, including : * Multiple after-photos showing no change following the procedure * A detailed written explanation of the lack of results * Comparative examples from the merchants own advertised results This evidence directly supports my claim that the procedures billed were not completed as represented. Despite this, Citibank failed to acknowledge or address any of the materials submitted. Instead, they issued a response stating that no supporting proof was provided, which is factually incorrect. Additionally, after I requested that the dispute be reopened, the claim was denied again within approximately XXXX business days ( from Friday to Tuesday ), indicating that no meaningful reinvestigation was conducted. On XX/XX/2026, Citibanks XXXX XXXX XXXX issued a final response stating that their decision remained unchanged. The response did not address my evidence, did not explain how the decision was reached, and did not provide transparency regarding the merchants rebuttal. At this point, the issue is not only the disputed transaction, but Citibanks failure to : * Review and acknowledge submitted evidence * Accurately represent the information I provided * Conduct a reasonable and thorough investigation * Provide transparency in their decision-making process I am seeking a proper and documented reinvestigation of this dispute, with confirmation that all submitted evidence, including my XX/XX/2026 submission, is fully reviewed and considered.

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 2026-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, American Express Bank froze my account and withheld a total of {$38000.00} in funds. Shockingly, they intend to return this money to the bank that originally issued the check. I consider this conduct to be completely unacceptable. These funds belong to mehaving been paid to me by a third partyso why would they return money that rightfully belongs to me back to the originating bank? Furthermore, despite the passage of several days, these funds remain frozen in my account. I strongly suspect that they are attempting to misappropriate my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
After receiving my deposit from my employer I transferred money to pay bills which after doing my account was closed I called customer service they told me they couldn't tell me why they closed the account. The bank was Chime I was told my check will be sent by mail 14 days after them closing it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: CA

Complaint narrative:
I tried to accessy ssi benefits and it said on the recording s new card will be sent in 10 days or press ,1 if u did not order a new card I have been on phone now 4 hrs they kept hanging up in me or I finally got to supervisor and they hung up I do not have a dime to my name and did not order a new card especially when I habe to move out of my room for rent tomorrow I am fleeing XXXX XXXXXXXX and have a protection order I was supposed to get on the XXXX tomorrow I received a 30 day notice I have nothing now and most likely have to go to the behavioral center because of this it's csused my mental status to be unstable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-01 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: KEYCORP
State: WA

Complaint narrative:
On XXXX XXXX lost my debit card at XXXX XXXX, and after a few days i recieved a fraud alert about several charges. That was when i realized i lost my card. I call keybank and stated this to the dispute department.I thought after over a hour on the phone with keybank. The charges that were fraudulently made after i lost, were made clear. Well after months and months of going back and forth with Keybank. They denied my dispute, even though i requested they contract me if they had any questions or before they deny my dispute. Which never happened. After receiving several Keybank letters about my dispute i recognized that the representative i communicated with very first, included several days and charges that was never supposed to be included. I have called and made this very clear to keybank. Which i believe this is the reason i got denied. After 2 years and about a dozen phone calls. Stating this problem. It has yet to be resolved, and they have been telling me things that was completely untrue about what they were doing with my dispute. Almost everyone I've talked to has promised to me, actions that didn't happened or updated my claim to reflect the charges that should have only been in the dispute. They have stated to me a handful of times that they were reopening my claim. After a month or two waiting on a response. I call into keybank and they never reopened my claim even though i have been promised by atleast 5 representative that it would be reopened. So i called in again this past week and was told they would reopened my claim once again. This was 3 weeks ago. And today i called in once again and once again they said my claim was still waiting to even be processed,. They lied to me once again. This has been 2 years of this nonsense and i can't get them to make this right, as i thought i was protected against this type of fraud with my card for unauthorized purchase.I sent the dispute department a statement with the highlighted charges that needed to be included and only included with my dispute, I don't understand why Keybank has me jumping through hoops to get my claim reopened and resolved, as there isn't any reason from my doing that it should have been denied.i have spent hours upon hours trying to resolve this with satisfaction. Please if you can help me get this resolved i would much appreciate it as i can't believe anything Keybank tells me after them not doing what they literally promised to to do a handful or more times

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Lac Courte Oreilles Financial Services II
State: DC

Complaint narrative:
EloanWarehouse is saying that I owe them over {$2300.00} plus without any explanation. Borrowed {$400.00}, repaid it and now my debit card is being charged {$150.00}. I called to inquire and was just informed regarding the above amount. No definite resolution or information provided. I used to have an app on phone to EloanWarehouse to monitor my account but it is not working properly ( can not access my account ). When I saw the transaction from my bank account I immediately checked the app first, then called EloanWarehouse, after being on hold, I emailed customer service. Attached is the conversation. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I want to remove that card that is not mine since my identity was stolen Capital one {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I went to the XXXX at the end of XX/XX/2025. I decided to open up a credit card for CareCredit. I signed up for automatic payments, and I thought it was to pay it off during the promotional period. It was not. Care credit added around {$600.00} to a {$3000.00} XXXX XXXX bill. I don't think it is right to add interest to the total amount borrowed and not what's left. People need to beware of this company, and times are rough right now.

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 2026-05-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: CA

Complaint narrative:
I have tries to contact the customer service number and to which I was always hung up on or never answered. I can't access my account on the website and it just kicks me out. No explanation as to why. I have been able to access it in the past. The user ID is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: Affirm Holdings, Inc
State: ME

Complaint narrative:
This involves my complaint that was sent on XX/XX/XXXX XXXX, I am adding additional information to my complaint. The package I received on XX/XX/XXXX has a completely different tracking number than the one associated with the XX/XX/XXXX shipment that was used to deny my disputes. This suggests that the original shipment may not have been the same package, or may not have been delivered at all. The product was delivered nearly a month late, without any tracking information provided to me, and only my disputes were denied That raises serious concerns about the accuracy of the information used to deny my disputes and whether I was improperly held responsible for the transaction that was not fulfilled as claimed.

Company response to consumer: Closed with explanation