vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 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: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I am writing regarding the unauthorized ACH/direct debit transaction in the amount of approximately {$1500.00} currently pending against my checking account. To be absolutely clear, I have never authorized electronic withdrawals from my account, never enrolled in autopay, and never signed any ACH authorization permitting management or any affiliated entity to directly debit funds from my checking account. My rent payments have historically been made by paper check only. Additionally, no discussion, agreement, receipt, authorization form, or written consent was ever provided regarding any recurring or direct electronic withdrawal in the amount of {$1500.00} or otherwise. I also confirmed directly with management that no check or receipt corresponding to this transaction exists. Historically, there were occasions where I voluntarily rounded my rent payments up to {$1500.00} simply for convenience when writing checks, despite my actual rent amount being {$1500.00} at that time. Those rounded amounts were entirely discretionary and personally determined by me on a case-by-case basis. Only I would know whether I intended to pay exactly {$1500.00} or round up to {$1500.00}. Further, as of XX/XX/year>, my monthly rent increased to {$1500.00}, and had I chosen to round payments moving forward, it likely would have been rounded to {$1600.00} not {$1500.00}. This further demonstrates that this ACH withdrawal was not authorized by me and was not based upon any standing instruction or agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MD

Complaint narrative:
LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS 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 XXXX Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing a complaint regarding Chase Banks handling of an unauthorized electronic funds transfer and repeated denial of my fraud claim. On XX/XX/year>, an unauthorized online external transfer totaling {$4800.00} was made from my Chase checking account without my authorization. I reported the fraud to Chase immediately on the same day, and claim # XXXX was opened. I did not initiate, authorize, or benefit from this transfer. Chase denied my claim, stating that the transaction originated from my XXXX address. However, Chase has not provided evidence demonstrating that I personally authorized the transfer. The use of my IP address or device does not establish authorization, particularly in cases involving account takeover, credential compromise, or unauthorized access to an active session. Importantly, at the same time as the unauthorized transfer from my Chase checking account, I also experienced unauthorized transactions on both my Chase credit card and a credit card with another financial institution. This pattern of simultaneous fraudulent activity across multiple accounts strongly indicates broader account compromise or unauthorized access, rather than intentional activity by me. Despite repeatedly bringing this to Chases attention, it does not appear that this critical information was properly considered during the investigation. A police report ( # XXXX ) was filed with the XXXX Police Department on XX/XX/year> documenting the fraudulent and unauthorized activity associated with this incident. I escalated the matter to XXXX XXXX XXXX and followed up multiple times requesting : The basis for determining the transaction was authorized. The evidence relied upon during the investigation. Confirmation that simultaneous unauthorized credit card activity was considered. Confirmation that Chase was unable to stop or recover the unauthorized transfer despite receiving notice of the fraud within approximately an hour of the transaction. After more than a month, I received only a voicemail stating that the claim was denied again following further investigation, without substantive explanation or supporting documentation. I believe Chase failed to properly investigate this matter under Regulation XXXX governing unauthorized electronic fund transfers. Chase appears to have relied primarily on IP address information rather than determining whether I actually authorized the transaction. I am requesting : A proper reinvestigation of this unauthorized transfer Written explanation and supporting evidence for Chases determination Reimbursement of the unauthorized {$4800.00} transfer if the transaction can not be proven authorized I have acted promptly and cooperated fully throughout this process, yet I still have not received a meaningful explanation or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding a late fee charged to my Bank of America credit card account. I understand the banks position that the payment was technically late. However, the situation appears to have been related to confusion surrounding the automatic payment setup process and recent changes to the Bank of America autopay interface/system. I genuinely believed that my automatic payment arrangement had already been configured correctly. After realizing the issue, I immediately made the payment and re-established autopay to prevent any future problems. What has been most frustrating is not only the fee itself, but the lack of meaningful review during multiple customer service interactions. Representatives repeatedly stated final decision without seriously addressing the circumstances surrounding the autopay confusion or considering any reasonable goodwill accommodation, despite my history as a long-term customer and my immediate corrective actions. I am not disputing that the payment posted late. Rather, I am requesting a fair review of whether the late fee should be waived as a goodwill adjustment given the apparent autopay setup confusion and the banks recent system/interface updates. I respectfully request that Bank of America conduct a more thorough review of this matter and reconsider the late fee charge.

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 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have previously submitted for an income driven repayment plan for my student loans. They were never processed accordingly and now all of my student loans are showing late payments. This reduced my credit score drastically within a month 's time. I have re-processed my application for the IDR plan and it is now approved, however, the Nelnet will not correct or delete the late payments from my credit report, even though my loans are currently in forbearance and on an IDR plan, as well as me being enrolled in school fulltime. I am not asking for any type of loan forgiveness, I am asking that the late payment reports be removed from all credit bureaus as this is significantly impacting my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2026, I purchased, order # XXXX, a defective motor from XXXX. I returned the motor and on XX/XX/2026 XXXX sent me an email wherein they said they issued a refund of {$110.00} to me through XXXX. As my CashApp account was not credited the {$110.00}, I filed a dispute with CashApp on XX/XX/2026, seeking my refund of {$110.00}, which was denied by CashApp on XX/XX/2026. I appealed the decision on Wednesday, XX/XX/2026 which CashApp denied on XX/XX/2026. In denying my dispute and subsequent appeal, CashApp has found that the merchant, XXXX, had issued a refund for {$110.00}. However, when I tried to follow-up on where my refund is, CashApp has denied that they received my refund and that they have no record of my refund being issued which is in direct contradiction of their dismissal of my dispute and subsequent appeal. As it stands, I am currently missing {$110.00} which CashApp has agreed that the merchant has issued yet they refuse to credit my account accordingly. I seek the return of my {$110.00} refund from CashApp as they have found that the Merchant issued my refund and CashApp should now be responsible to credit my account with the funds they found was released by the Merchant yet have failed to return to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: AL

Complaint narrative:
I have sent several email correspondences to Western/Netspend union . No one has responded to me since XX/XX/year>. Since I could not get a response, I sent the requested documents from the previous email via United States Postal Service XXXX on XX/XX/year>. I have tracking confirmation that the documents were delivered on XX/XX/year>, to Netspend Legal Department XXXX. XXXX XXXX XXXX, TX XXXX Reference Number : XXXX. The requested documents are as follows : The Power of Attorney document must be notarized The Power of Attorney must include the name of person requesting access to the Account along with their full address, Social Security number, and date of birth Copy of the person requesting access to the Account state-issued Identification Card or Drivers License Please note that the original Power of Attorney document. I sent an email on XX/XX/year> to XXXX asking for followup and confirmation of the documents that I sent. I have not received any information from Netspend since XX/XX/year>. Nor have I received my funds. I spoke with Brandon Santos-Corporate Resolutions Group on XX/XX/year>. Please note, this process has cost me almost {$600.00} in attorney fees for the Small Estate Affidavit document. I am requesting this funds to assist with paying off my father 's debts. Please help,

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 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
One Msin Financial XXXX XXXX is paid by One Main financial to advertise their financial products on their website. After reviewing the options on XXXX XXXX- you have my credit rating they are the ones who are offering loans so I proceeded to apply for a secure a loan for debt consolidation. XXXX XXXX website assured me I had excellent approval. I never wouldve moved forward with the loan if the interest rate and the fee and the amount were just a suggestion and not an actual offer I never wouldve move forward with it never!! knowing it would be a hard inquiry on my credit!!! I selected an interest rate, fee and loan amount that would benefit me and that I would be happy with. I proceeded through the XXXX XXXX website onto One Main financial. With the assurance that had excellent approval acceptance and with the interest rate fee and loan amount that I was happy with I was fine with going forward knowing this would be a hard inquiry on my credit score. I had to make an appointment with One Main financial to finish the loan. This is when the bait & switch happened They had already done a hard inquiry on my credit- they were never going to offer me the interest rate I selected nor the fee amount nor the loan amount!! Lies!! Bait and switch I demand they remove the bait and switch hard inquiry from my credit reports since they are the ones who placed it One Main financial owes me that they must remove the Hard inquiry off my credit report they are a bait and switch company and XXXX XXXX is just as much to blame Ive contacted XXXX XXXX and they act like they have nothing to do with it because these company just advertise on their site but these companies paid to advertise on their site!! and XXXX XXXX chimes in the whole time telling me I had excellent approval to get the loan or they would give me {$50.00} which they refuse to do they all know this is just bait and switched the {$50.00} is to convince you to keep moving forward in this process!! One Main financial is a bait and switch company. I demand they remove the hard inquiry off my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX I received From Capital One Quicksilver a Pre-Selected offer of 0 % APR until XX/XX/XXXX with a {$250.00} one time credit after spending {$500.00} in the first 3 months. The offer included a reservation code and access code to apply. Upon completing the application online, I received an email saying I am approved. Nothing in the email said anything about a counter offer nor did I agree to one. On XX/XX/XXXX I go online and see interest charges on my account. I call the company and spend XXXX hours getting hung up on while on hold getting transfered from one agent to senior account specialist to his manager .... and repeat!!! Finally I am told the new terms are stated in the Welcome packet I received with my new card in it. These are new terms I did not agree to and will not agree too!! This is false advertisement! I should have been notified I did not qualify for the offer and asked If I agree to different terms than the offer I applied for!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
UCB is fraudulently attempting to collect a debt from XXXX XXXX XXXX XXXX in XXXX XXXX Texas. This debt was a balance of roughly {$550.00} ( aprox ) from close to XXXX years ago. This debt was bundled together as part of a payment plan with another operation from 2022 at the same hospital. The payments were made for close to 2 years around $ XXXX monthly and was applying to the balance of both procedures, reducing their balance every month. However, UCB sent me a collection letter for the entire original balance, with no payments, demanding payment in full for payments already made. This is fraudulent, and criminal, and everyone involved should be arrested for fraud. This is a deliberate misrepresentation and I'm purposefully using the word fraudulent collection attempt. They know it's a fraud, their computer knows its a fraud, and XXXX XXXX XXXX XXXX knows it as well. They stated their computer was collecting my payment plan and not installing it to the correct account, simply collecting payments and putting them in the aether and NOT APPLYING them. When I spoke with the hospital they said the error was correct, the payments were applied, and it won't happen again, then UCB contacted me trying to collect it. Jail them all. XXXX XXXX also deleted the account from the joint payment portal which cleared all payment records. However I have a copy prior to deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have XXXX federal student loans serviced by Nelnet. I did not receive any billing notifications, no emails, no mail, no phone calls, indicating that my loans had entered repayment or that payments were due. I was never alerted that I was approaching delinquency at any point during the period in question. I discovered the delinquency only when I noticed my XXXX XXXX had dropped XXXX points from XXXX to XXXX. Upon discovering this, I immediately brought all XXXX accounts current and paid the past-due amounts in full. I have not missed a payment since. I contacted Nelnet to request a goodwill removal of the negative credit reporting, given that the delinquency was the direct result of a failure to receive any notification from the servicer. Nelnet refused to assist. I am requesting that Nelnet remove the negative credit reporting associated with this delinquency period from all three credit bureaus. The missed payments were the result of a notification failure on the servicers part, it was not financial hardship. I had no knowledge payments were due, and I resolved the full balance immediately upon discovery. Prior to this incident, I maintained a XXXX XXXX of XXXX and have a consistent history of on-time payments. This delinquency is entirely out of character with my credit behavior and would not have occurred had I received any notification from Nelnet that payments were due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ROBINHOOD MARKETS INC.
State: SC

Complaint narrative:
On XX/XX/year>, my longtime employer unexpectedly passed away, causing significant financial hardship and disruption to my income stability. Since that time, I have been assisting with the transition and closure of the law office while continuing to manage work responsibilities. On XX/XX/year>, I contacted XXXX XXXX XXXX by email to request hardship assistance, including a reduction in monthly payments and/or interest rates due to these unforeseen circumstances. I attempted to work directly with the company to avoid falling behind on my account and to seek a temporary financial solution. XXXX responded that, due to my limited account history, they do not have any payment plan options available at this time and that I would be notified in the future if my account becomes eligible. However, I have been a customer for approximately four ( 4 ) years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: Regional Management Corporation
State: WI

Complaint narrative:
I took this lawn out I paid a lot but it still says I did on my credit report and I'm really XXXX it was regional finance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding Citizens Banks handling of unauthorized transactions on my account ending in XXXX and Claim Number XXXX. Citizens Bank denied reimbursement for the majority of approximately {$11000.00} in unauthorized transactions based on the claim that the fraud first appeared on my XX/XX/XXXX statement and was not reported within XXXX days. However, this is incorrect. There were no unauthorized transactions in XX/XX/XXXX. The XXXX transactions referenced during the original fraud intake were legitimate transactions and appear to have been mistakenly documented as fraudulent during the initial report process. The actual unauthorized transactions began in XX/XX/XXXX and continued through XX/XX/XXXX. These included recurring unauthorized charges from XXXX XXXX, XXXX XXXX, XXXX, and multiple geographically inconsistent food and retail transactions occurring in different states. The unauthorized activity was discovered and reported to Citizens Bank on XX/XX/XXXX. Citizens later partially reimbursed approximately {$1200.00}, which confirms that unauthorized activity did occur, but denied the remaining losses based on the incorrect XX/XX/XXXX fraud date. I requested reconsideration because the denial relies on an inaccurate fraud timeline. I also requested copies of the original fraud affidavit, internal claim notes, investigation records, and any recordings or transcripts related to the initial fraud report. I believe Citizens Bank failed to properly investigate the claim and incorrectly applied the XXXX reporting rule to transactions that were not actually unauthorized. I am requesting that Citizens Bank reopen and reinvestigate the claim, correct the inaccurate fraud timeline, and reimburse the remaining unauthorized transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Conduent Incorporated
State: UT

Complaint narrative:
Over approximately the past year, EOS processed withdrawals from my Utah child support debit card account that exceeded the amount authorized in my payment agreement. My contract specifies a fixed payment amount, and it does not authorize increased or duplicate withdrawals. During this time, multiple months included withdrawals that were higher than the contracted amount, and in some cases duplicate charges occurred within the same billing period. I discovered these discrepancies by reviewing my transaction history and account statements. I then filed a formal dispute through the child support debit card dispute system and submitted supporting documentation, including my contract and transaction records showing the overcharges and duplicate withdrawals. The dispute was denied. I escalated the issue and resubmitted documentation when requested. The dispute was denied a second time without a clear explanation or proof of authorization for the additional or duplicate withdrawals. I also spoke with a supervisor during escalation and requested clarification regarding the investigation and denial. I was informed that no further action could be taken and the call ended without resolution. At this time, I have not received proof that I authorized the excess withdrawals, nor have I received a detailed explanation of the investigation findings supporting the denial. I am requesting a full reinvestigation, proof of authorization for all withdrawals exceeding the contract, reimbursement of overcharged and duplicate amounts, and a written explanation of the prior denials.

Company response to consumer: Closed with explanation