vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
American Express marketing an upgrade to Platinum card which also provides " Additional Platinum Card '' at a cost of {$190.00} per year and " Companion Platinum Card '' at no cost per year. After a complete and thorough review of the explanation of benefits provided by AMEX online to confirm what benefits the " Additional '' and " Companion '' cardholders would receive it appeared that the Companion card, not listed in any benefits outlined, would not be eligible for those benefits. To confirm, I called AMEX and during a one-hour phone conversation was told that the Companion card in fact does receive a substantial number of benefits. Those benefits are not outlined or listed anywhere that could be found by me or by the AMEX representative. I work in the financial field so I am very cautious and research things thoroughly before making decisions. The average consumer does not. If the average consumer reviewed the explanation of benefits that is presented in the marketing material offered by American Express it would seem that you would HAVE to pay the additional {$190.00} per year fee for the " Additional Platinum Card '' if you wanted someone in your household ( ie your spouse ) to have access to benefits which would be available to them for no cost as a " Companion '' cardholder. I feel very strongly that this is extremely misleading and unfair to the consumer. I simply ask that American Express provide FULL disclosure of all costs and benefits so consumer may make a more informed and appropriate decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My XXXX XXXX Credit Card was fraudulently used to purchase a XXXX subscription in XX/XX/year>. I immediately reported the fraud and XXXX confirmed that they would close the account and reissue a new credit card. Despite this, XXXX continued to process more unauthorized charges from XXXX and XXXX totaling {$150.00}. These charges were explicitly marked on my statement as " ITEM TRANSFERRED FROM PREV ACCOUNT, '' proving that XXXX XXXX automated system migrated fraudulent activity from a deactivated card onto a replacement card. More concerning, the XXXX charges began only after the original account had already been restricted for fraud. When I called in XX/XX/year> to question the email alerts about these charges, a XXXX agent explicitly instructed me to " ignore the emails as they were sent in error. '' The agent assured me these were not real charges. Because of this flawed advice, the charges posted, and I paid the final balance under protest to protect my credit score before closing the account entirely. XXXX has failed to resolve this billing error. Since the account is now closed, I am demanding a formal investigation and a refund check mailed to me for the full {$190.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: WV

Complaint narrative:
I filed a complaint against them and they finally refunded my money. Well, I tried to log into my account and it made me make a new one. I have called multiple times, they keep telling me the information doesn't match and I know it does. There is money on the account and I can not access it. I just want mt money thats in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
To Whom It May Concern, I am writing to dispute accounts appearing on my credit report that do not belong to me and were opened without my knowledge or authorization. I have reason to believe I am a victim of identity theft. The accounts listed below are fraudulent and were not opened, used, or authorized by me : XXXX XXXX XXXX XXXX : XXXX I request that these accounts be investigated and removed from my credit report immediately. I also request that any associated negative information resulting from these fraudulent accounts be deleted. I affirm that the information provided in this statement is true and accurate to the best of my knowledge. I am willing to provide any additional documentation necessary to support my claim, including a copy of my identification, proof of address, police report, or identity theft report if requested. Thank you for your prompt attention to this matter.

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 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
XXXXCash app deactivated my account for violating our terms or services. I have no idea what they are talking about I only send money and receive money I'm concerned because I know I have not did anything fraudulent with my cash app card and they won't tell me what I have did which I have not did anything and this is a big problem for me because if they can deactivate my account and I have no idea why and I don't want anything on my name that's fraudulent that's why I'm so concerned I've been trying to get this straightened out with cash out for over a month and they keep telling me give us XXXX days to investigate this I have called XXXX times. They have gave me references number on XXXX XXXX XXXX XXXX and also an appeal number XXXX XXXX they gave me this number today on XXXX XXXX XXXX I have called these people three times and every time they gave me nothing."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
They repeatedly call from different numbers after I block the last number they call from and leave voicemails saying they will contact my employer and the number to call back is not the number they call from.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GREENSKY OPERATIONS, LLC
State: GA

Complaint narrative:
I am filing this complaint to report a highly deceptive and predatory billing practice by GreenSky regarding their deferred-interest promotional loans. I set up automatic payments on my account calculated specifically to pay off the entire promotional balance before the expiration deadline. My auto-pay functioned correctly for months. However, on the final month of the promotional periodXXXX of XXXXGreenSky unilaterally and without my consent changed my automatic payment setting from my designated payoff amount to the " Minimum Due. '' Had I not manually intervened to check my account, this unauthorized change would have caused me to short-pay my final balance. Consequently, I would have missed the promotional deadline, triggering XXXX of dollars in retroactive deferred interest on the entire original loan amount. After contacting GreenSky customer support, I was instructed to cancel the existing auto-pay and set up a final payment ( or essentially new auto-pay ) for the pay off amount. This practice appears intentionally designed to force consumers into missing promotional deadlines by overriding user-defined auto-pay settings at the last moment. While I was able to manually log in and pay the full balance before the deadline to avoid the penalty, GreenSky 's system manipulation is a deceptive practice that traps consumers in predatory interest cycles.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OK

Complaint narrative:
I attempted to withdraw {$100.00} from the ATM at XXXX XXXX XXXX XXXX., I received a communication error and no money. I then went XXXX doors down to XXXX XXXX XXXX and used their ATM, which was a successful withdrawal of {$100.00} plus a {$3.00} fee at XXXX XXXX .. Chime is telling me that their XXXX XXXX has until XX/XX/XXXX to decide if they will issue provisional credit. The transaction history in my Chime app establishes an undeniable chronological timeline. It shows the failed {$100.00} charge at XXXX XXXX followed immediately by the successful XXXX XXXX XXXX withdrawal at XXXX XXXX. The electronic telemetry proves the first machine failed. Transaction XXXX ( Failed ) : XX/XX/year>, at XXXX XXXX at the XXXX XXXX XXXX ATM. I attempted a {$100.00} withdrawal. The machine threw a communication error and dispensed {$0.00}. Chime debited my account for a single lump-sum of {$100.00}. Transaction XXXX ( Successful ) : XX/XX/year>, at XXXX XXXX at the XXXX XXXX XXXX ATM ( located XXXX doors down ). I successfully withdrew cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
This is showing an open in repossession across all 3 credit bureaus this is being reported incorrectly they are not removing or updating this per FCRA they are adversely effecting. This has not been handled correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
They repeatedly call from different numbers after I block the last number they call from and leave voicemails saying they will contact my employer and the number to call back is not the number they call from.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I am respectfully requesting assistance with a federal student loan consolidation that is stalled due to a servicing error between MOHELA and XXXX. I applied for a Direct Consolidation Loan that included all of my Parent PLUS loans, but approximately half of the balance was not included because MOHELA did not provide a complete Loan Verification Certificate ( LVC ) to XXXX or an Underpayment request to XXXX. Timeline : XXXX XXXX : Submitted Direct Consolidation Loan application via XXXX XXXX XXXX, selecting the Parent PLUS loan from XXXX school year. XXXX processed the consolidation and I received notice by XX/XX/year>. ( attached letter from XXXX. ) Never notified ( by XXXX ) that of the loan was not certified by MOHELA / partial payoff amount received. Multiple contacts with both servicers ; each indicates the other must act. MOHELA representatives state they are unfamiliar with the underpayment certificate request and have not reissued a complete LVC. Consolidation can not be finalized because the full payoff amount has not been certified. Problem Detail : I specifically started the process in XX/XX/year> because I need to meet the XX/XX/year> deadline as I am consolidating with loans already in a payment count for PSLF. XXXX can not complete the consolidation without a completed Underpayment request from MOHELA. I can not correct this myself because the certification is a servicer-to-servicer process. The account is effectively in limbo with no resolution despite repeated attempts. XXXX I was informed by email that XXXX is unable to move forward due to Mohela not doing their part. I respectfully request that MOHELA issue the underpayment request to XXXX. This delay is preventing proper consolidation of my loans and may affect my repayment options and eligibility timelines. I am seeking prompt correction of the servicing error. I am willing to complete and sign any privacy release form required for your office to investigate this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I am filing this complaint regarding M & T Bank 's handling of a VA loan assumption that has now been pending for more than 100 days. I am the seller of a property with an assumable VA mortgage serviced by M & T Bank. The buyer submitted the required documentation and has cooperated throughout the process. Despite this, the assumption has experienced repeated delays and extended periods of little to no communication from M & T Bank. Throughout the process, there have been multiple instances where weeks passed without any meaningful updates or responses to inquiries regarding the status of the assumption. Requests for information have often gone unanswered, and no clear timeline for completion has been provided. As a direct result of these delays, I have incurred significant financial harm. The transaction has been delayed more than 100 days, forcing me to continue making mortgage payments that I would not otherwise have been responsible for had the assumption been processed within a reasonable timeframe. To date, I have made more than three additional monthly mortgage payments, in addition to ongoing costs associated with ownership of the property, including taxes, insurance, and maintenance expenses. The prolonged delay has created unnecessary financial hardship and uncertainty for all parties involved. Despite repeated efforts to obtain updates and move the process forward, I have not received adequate communication or justification for the extended processing time. I am requesting that the CFPB review this matter and require M & T Bank to : Provide a complete written explanation for the delays in processing this VA loan assumption. Identify any remaining requirements preventing completion of the transaction. Assign a dedicated point of contact with authority to resolve the matter. Provide a firm timeline for completion of the assumption. Review whether M & T Bank 's handling of this assumption complies with applicable mortgage servicing requirements and VA loan assumption procedures. I am prepared to provide supporting documentation, including the purchase agreement, assumption submission records, correspondence history, and evidence of the additional mortgage payments incurred due to the delay. Thank you for your review and assistance in resolving this matter.

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX Also known as XXXX charged me a total of over {$1500.00} in advertising costs. Because their system appeared to have made an error. Now I have to wait until all of the charges are resolved by Bank of America. I have bills to pay that will not go through all because of probably an AI software.

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 2026-06-01 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: CA

Complaint narrative:
-Credit Card fraud from Wells Fargo My account was compromised from a cigar company in XXXX XXXX XXXX XXXX I live is XXXX XXXX XXXX XXXX XXXX with over {$2500.00} in online charges that I did not make ; Wells Fargo investigated and credited me with the amount charged. I was issued a new credit card and several months later the same vendor XXXX XXXX XXXX XXXX ) made unauthorized charges on XX/XX/year> of {$1100.00} ; {$870.00} ; & {$420.00}. I DID NOT MAKE THESE PURCHASES and as stated above it happened before with the same vendor and I was credited back the fraud amount. Despite XXXX escalations and appeals to Well Fargo 's Fraud department, they denied my claim and stated that since the newly issued credit card was in my possession I must have made the purchase. This is some type of online hacking fraud and is NOT TRUE. Please help me resolve this issue as I have had no recourse with Wells Fargo. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On or about XXXX XXXX, 2026, I completed an Affidavit for Collection of Personal Property, California Probate Code Section XXXX for XXXX XXXX XXXX. Bank XXXX XXXX XXXX XXXX says that his legal department requires all parties of the deceased former owners act in unison to acquire the account funds in accounts XXXX, XXXX, XXXX, and XXXX XXXX, ignoring the rules of remaindermen, where sequentially the grantor, then co-trustee pre-deceased the final owner, XXXX XXXX XXXX, for whom XXXX have court-appointed rights over. Note that if there are three owners on an account and one dies, then the remaining two owners would logically require their respective agents to work together. Unfortunately, the co-trustee died and that left one trustee, XXXX. The order of deaths are as follows : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and then XXXX XXXX XXXX XX/XX/XXXX. Therefore, XXXX being the last vested party, only XXXX party need request the assets. That is me. On XX/XX/XXXX, I, XXXX XXXX, was appointed Interim Successor Trustee. However, the court takes time to issue it's order, which came out on XX/XX/XXXX, after XXXX XXXX XXXX died. USBank is refusing to release the assets listed and stonewalling my duties as a court-appointed interim successor trustee. US Bank refuses to allow my attorney, XXXX XXXX, to communicate with their legal department, to educate them in proper procedures of California law. Thus, I am forced to spend time and bill the client unnecessarily reporting their gross negligence to you, in hopes that they will see the light of their errors and act under California Probate Code Section XXXX, and release the assets to my control.

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 2026-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I sent a letter to formally dispute the validity, accuracy, and structural integrity of the student loan debt currently reported on my account. I am requesting a complete, manual administrative review and a formal Request for Information regarding a severe, unexplained recalculation error that violates your servicing standards. At no time did I submit any new income certification, request a repayment plan change, or receive notice of a triggering event that would justify a recalculation of this magnitude. Accordingly, this change appears to constitute a servicing or administrative error under applicable federal student loan servicing standards and borrower protection requirements. I request immediate correction or a complete, auditable reconciliation of all inputs used in the recalculation. Prior Certified Recalculation : Last year, XX/XX/XXXX, an official recalculation of my account was completed and confirmed. The binding terms established that I had a repayment plan represented to me at the time as a fixed repayment schedule, XXXX payments remaining at an amount of {$450.00} per month, starting XX/XX/year>. Current Erroneous Calculation : Today, XX/XX/XXXX, your system generated a completely conflicting calculation, abruptly asserting that I now have XXXX payments remaining at an amount of {$1100.00} per month. This represents an overnight monthly payment increase of {$660.00}, despite a nearly identical remaining payment schedule and constitutes a XXXX XXXX administrative/servicing error under applicable federal student loan servicing standard.

Company response to consumer: Untimely response