vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 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: NY

Complaint narrative:
I am writing to file a complaint regarding a promotional checking account bonus offered by JPMorgan Chase. I opened a Chase checking account under a promotion offering a {$600.00} bonus upon completing qualifying direct deposits totaling {$5000.00} within the required timeframe. I ensured that I met all stated conditions and completed the required direct deposits within the promotion period. After completing the requirements, I contacted Chase customer service to confirm my eligibility. I was informed by a support representative that I had successfully met all requirements and that I would receive the {$600.00} bonus within a few days. However, I have not received the bonus. Additionally, when I later visited a Chase branch, I was given conflicting information by a branch representative stating that I may not be eligible. This is inconsistent with the confirmation I previously received from Chase customer support. I acted in good faith based on the information provided by Chase representatives and completed all required actions as stated in the promotional offer. I respectfully request that JPMorgan Chase review my account records and honor the {$600.00} promotional bonus as originally communicated. I would appreciate a prompt resolution and credit of the bonus amount to my account. Thank you for your time and consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and 15 U.S.C. 1681s-2 ( b ), which requires a reasonable investigation after a dispute. The account contains multiple inconsistencies across credit reporting agencies. The date opened is reported differently ( XX/XX/XXXX vs. XX/XX/XXXX ), and the date of last activity is also inconsistent ( XX/XX/XXXX vs. XX/XX/XXXX ). These discrepancies indicate that the information being reported is not accurate or reliable. Additionally, there is no consistent or complete payment history, and no clear breakdown supporting the reported balance of {$620.00}. This raises concerns regarding the validity and accuracy of the amount being reported. I previously disputed this account, and it is now marked as dispute resolved consumer disagrees. Despite this, the inconsistencies have not been corrected, which suggests that a reasonable investigation was not conducted as required under FCRA XXXX ( b ). Due to these inaccuracies and failure to properly investigate, I am requesting that this account be fully investigated and removed from all credit reporting agencies if it can not be verified and reported accurately in full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against my bank for failing to properly investigate a {$200.00} tax service scam. I paid {$200.00} via an online transfer to a business account belonging to an individual named XXXX XXXX for tax preparation services. It was later discovered that this individual does not hold any valid professional license for tax services, yet the bank allowed her to operate a business account to collect payments. After receiving my payment, the individual failed to provide any service and ceased all communication. I promptly reported this fraud to my bank and went through XXXX separate appeal processes. However, the bank rejected my claims twice without providing any detailed explanation or a meaningful investigation. My primary concern is the bank 's lack of oversight. By allowing an unlicensed, fraudulent entity to operate a business account, the bank failed its XXXX ( Know Your Customer ) and XXXX ( Anti-Money Laundering ) regulatory obligations. The bank 's dismissive response to my fraud report indicates a failure in their dispute resolution process.

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 2026-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Open Bank incident report XXXX XXXX Here are my notes : Received email from open bank that an account had been declined. Called XX/XX/year> to report the fraud because I did not open an account with them. Received email from open bank that an account had been approved on XXXX and then a welcome email on XXXX Called XXXX to report the fraud again a HYSA was opened and something was declined but they cant see it (??? ) Spoke with XXXX fraud supervisor - The fraud department seems to understand their practices are fraudulent. She said the XXXX would be closed and I would get an email confirming the closure. They will mail a letter within XXXX days stating why * something * declined, and an email will go out showing the hysa account was closed. They have my address on file. XX/XX/year> : I have not received an email that the XXXX was closed, only more emails advertising them. Submitted a CFPB complaint.

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 2026-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing in response to the companys reply to my complaint submitted through the Consumer Financial Protection Bureau ( CFPB ). The company states that it has completed its investigation and believes the reported account information is accurate ; however, this response does not provide sufficient evidence to validate the debt as required under federal law. At this time, I formally request that the company provide proper validation of the alleged debt. Specifically, I am requesting the following : * A copy of the original signed agreement or contract bearing my signature * Documentation showing the full account history, including all charges and payments * The name and address of the original creditor * Proof that the company has legal authorization to collect and report this debt * A clear explanation of how the reported balance was calculated The statement that the account has been verified is not sufficient without supporting documentation. If the company is unable to provide the requested documentation, I request that this account be removed from all credit reporting agencies immediately. Additionally, I request that the method of verification used in this investigation be disclosed, including how the information was obtained and verified. Please note that reporting unverified or inaccurate information may constitute a violation of the Fair Credit Reporting Act ( FCRA ). I expect a complete and thorough response within the timeframe required by law. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Harley Davidson Financial Services Inc
State: VT

Complaint narrative:
I don't know where to begin. I bought my first XXXX. I was so excited, it's turned into a nightmare. I've paid for XXXX years. I've had to do a couple of deferments. I think XXXX or XXXX can't remember, but I've paid over {$15000.00} to them and I still owe more XXXX. What I borrowed, and it never goes down. Ever and I talked to the lady and she admitted I'm getting some sort of daily interest rate that must be out of control. Because I don't understand all this interest rate stuff and how it works. And yeah, I signed up for it. I don't want to lose the bike, but how can they fathom that I've paid them {$15000.00}? And I still owe more than my principal balance And she even told me on the phone which she needs to pull it up because last week I talked to XXXX of the managers, and she even told me that I was just paying interest when I pay. Because, you know, sometimes it's not right on the date or sometimes this or that. So how is that? Okay? I don't understand i'd also like to add. I have my call logs on my phone. And if it's not paid just on time, there's been times where I've had XXXX calls in XXXX days. And just multiple multiple calls with hangouts. From Harley Davidson and they're trying to tell me that they didn't call. Well, it's the same exact number every single time. And when I do answer, they hang up once in a while. I get somebody, and I think that's extremely unfair practices. For that, the resolution should be that I don't owe anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX has filed a lawsuit against me for an alleged debt that they have failed to properly validate. Upon review of the documentation they provided, specifically the bill of sale, there is no identifying information linking me to the alleged account. The document lacks my name, account number, or any unique identifier that proves I am the rightful party associated with this debt. Instead, it appears to be a generic bulk transfer of accounts with no specific validation. Despite my formal request for proper validation under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX has continued collection efforts and escalated the matter to a lawsuit without providing sufficient evidence that I owe this debt. Their actions constitute : Failure to properly validate the debt Misrepresentation of the legal status of the debt Attempting to collect on a debt without sufficient documentation Potentially deceptive and unfair collection practices XXXX XXXX XXXX has filed a lawsuit against me for an alleged debt that they have failed to properly validate. Upon review of the documentation they provided, specifically the bill of sale, there is no identifying information linking me to the alleged account. The document lacks my name, account number, or any unique identifier that proves I am the rightful party associated with this debt. Instead, it appears to be a generic bulk transfer of accounts with no specific validation. Despite my formal request for proper validation under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX has continued collection efforts and escalated the matter to a lawsuit without providing sufficient evidence that I owe this debt. Additionally, I have obtained a 1099-C issued by the original creditor, indicating that the alleged debt was canceled. This raises serious concerns about the legitimacy of XXXX XXXX XXXX claim, as the debt appears to have already been treated as canceled and reported as income. Their actions constitute : Failure to properly validate the debt Misrepresentation of the legal status of the debt Attempting to collect on a debt without sufficient documentation Potentially deceptive and unfair collection practices

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 2026-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
We purchased a XXXX XXXX at their XXXX XXXX, XXXX location. We were offered an interest free financing option and agreed to do this. Upon reviewing statements, I noticed we were being charged a fee for being a part of the " Payment Security '' program. The fee appears to be {$1.00} for every {$100.00} of outstanding debt. Since we were not aware of this fee, our monthly payment was below the requirement and they were charging us interest. I reached out to get removed from this program and get a refund for all fees and interest. They did refund us for the fees, but would not refund the interest. I also requested a copy of the application they said we had signed to be a part of the program and they said they would send it in the mail. I received their correspondence back and they stated " Unfortunately, a copy of the application for the above referenced account is not available. '' This is telling me that they never received us authorizing it ( at least knowingly ) and they are running a scam.

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 2026-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a purchase using a Synchrony/XXXX XXXX credit account that was presented to me as a promotional financing option. At the time of sale, the deferred interest terms were not clearly explained to me by the merchant. I was not made aware that if the balance was not paid in full by the expiration date, a large amount of retroactive interest would be charged. I acted in good faith and made payments, but I did not fully understand the structure of the promotion due to lack of proper disclosure. After the promotional period expired ( XX/XX/XXXX ), I was charged {$1000.00} in deferred interest on a remaining balance of {$730.00}. I contacted the merchant, and they told me they would take care of the issue and coordinate with Synchrony, but I never received any follow-up or resolution. I then contacted Synchrony directly via chat, and they stated they are unable to waive or adjust the interest, despite the circumstances and the merchants involvement. I believe this situation resulted from inadequate or misleading explanation of the financing terms at the point of sale. I am requesting a fair resolution, such as a waiver or reduction of the deferred interest charges, as I would have handled the payments differently had the terms been properly disclosed.

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 2026-04-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
This is a NEW complaint regarding HSBC 's failure to provide full restitution after admitting professional negligence. Previous Case : XX/XX/XXXXXXXX. Bank Error Admitted : In formal letters dated XX/XX/XXXX and XX/XX/XXXXXX/XX/XXXX HSBC officially admitted that their team provided " incorrect information '' and that there was an " oversight '' regarding my tax withholding status. Financial Loss : Due to this admitted professional error, a total of {$340.00} was wrongfully withheld from my interest income as shown on my XXXX Form XXXX. Inadequate Compensation : HSBC offered a mere {$50.00} " goodwill credit '' for a {$340.00} loss. I have officially rejected this settlement. The Issue : The bank is attempting to use its own administrative delays and IRS regulations as an excuse to avoid full restitution. As a non-resident customer, I should not be held financially responsible for the bank 's documented negligence. I demand a full " Courtesy Credit '' of the remaining {$290.00} to cover the actual financial damage caused by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: IA

Complaint narrative:
Hello CFPB XXXX denied my dispute.i don't know why I says my XXXX debit card compromised, Someone use my card on Paypal But I don't have PayPal. That's my hard point How to compromise my XXXX debit card. I was targeted by a sophisticated phishing scam originating from a XXXX advertisement. I was led to a fraudulent website that falsely promised income. To facilitate a " withdrawal, '' the site required me to link my XXXX XXXX XXXX. This was a malicious site designed to harvest card credentials ( Social Engineering/Phishing ). The Unauthorized Activity : Immediately after my card details were harvested, unauthorized charges were made via PayPal ( I did not authorize, initiate, or receive any goods/services from paypal or the fraudulent website. My account is fully secure now The Dispute Process : I filed a dispute with XXXX. However, XXXX denied my claim, stating the transaction was " authorized. '' Why XXXX Decision is Wrong : Under Regulation E ( Electronic Fund Transfer Act ), an " unauthorized electronic fund transfer '' includes transfers initiated by a person who obtained the access device through fraud or without the consumer 's actual authority. I was a victim of a credential-harvesting scam. I did not authorize a payment to paypal. XXXX has failed to provide a thorough investigation or fulfill their consumer protection obligations. XXXX information Compromised card XXXX XX/XX/year> Email : XXXX XXXX My all PayPal transaction and XXXX l transaction unauthorized XXXX debit card information was compromised And I do not have a PayPal and XXXX account Desired Resolution : I request a full reversal of the fraudulent charges and a credit back to my XXXX account. I also request XXXX to provide the specific documents and evidence they used to determine the transaction was " authorized. '' My XXXX card is compromise If this matter can not be resolved through XXXX internal review process or the CFPB complaint resolution process, I respectfully reserve the right to pursue additional legal remedies available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I have been trying to work with this company since XXXX to collect funds for storage of their vehicle. I have been told by two different representative that called me that they were getting payment situated and will reach out to me however, I fail to do so in a ditch in my garage collecting daily late fee and at this time I need this company to communicate with me because theres nothing I can do with this vehicle here I submitted the application to add a second lien that require documentation from the first lienholder, which is the finance company and they have failed to provide the paperwork to me

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 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account from MIDLAND that is currently being reported on my credit report. I do not acknowledge owing this debt, and it is being reported by a third-party collection agency. I am requesting that the company provide proper validation of the debt, including a copy of the original contract or any legal documentation that proves my obligation. The account is currently reported as derogatory, negatively affecting my credit score and my ability to access credit. I dispute the validity of this account under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). If the company can not provide valid documentation or proof of my obligation, I request that the account be deleted from my credit report immediately. I am asking that the company correct any inaccuracies and ensure that all reporting to credit bureaus is accurate, complete, and in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Payfare International Inc.
State: TX

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX deducted a sum of {$150.00} from my XXXX XXXX XXXX XXXX without authorization and without my personal contact with the business. I contacted XXXX XXXX managers of the XXXX XXXX XXXX for a refund and an investigation into the fraud. Further, I submitted several documents that Payfare asked of me including my efforts to secure a refund from the merchant ( XXXX XXXX XXXX ), phone records, my card details and personal identity about XX/XX/year>. They also promised to conclude their investigations in about 60 working days. It is beyond 60 working days and every attempt to get in touch with XXXX XXXX or Payfare either by phone or email has not been possible because they have switched their email to a no-reply service and there is no way to contact them by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I did a mobile deposit with a 3rd party check from my friend. Chase accepted the check put a hold on it and then 6 days later locked my account they said they needed a phone number to verify my friend sent a check over to me after giving them her number they said they couldnt use that number because it was not in their system went to the bank with her myself. The check our IDs extra forms of identification and they wouldnt accept it now my account is locked. Cant get the money that I had in there cant get the money that I deposited it in there and they said theyre gon na close my .account within 10 days, even after going to the bank in person with identification from all parties involved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
Somebody from portfolio Recovery called my place of employment and told them that they were a debt collector and trying to locate me and gave them my physical address of my home.

Company response to consumer: Closed with non-monetary relief