vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX. I moved to XXXX in 2020 and kept using my XXXX XXXX XXXX card occasionally. Before the card expired, XXXX paid my annual fees and obligations. XXXX. My card expired. I requested a new card multiple times but the card never arrived at my address in XXXX. XXXX. I kept paying the annual fees for another 3 years even though I never enjoyed the benefits of the card because Chase either never sent it or it somehow got lost in transit. XXXX. In XXXX and XXXX, my XXXX phone number stopped working. I started experiencing trouble logging in. And in 2025, I was shut out of the client portals both on phones and on web pages. So have trouble signing it to pay, and in general communicatin with Chase was impossible. And for the few times that I logged in successfully, they made closing the account very difficult. XXXX. This year on XX/XX/XXXX, Chase charged another {$790.00} ( I think ). This has become unbearable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Please help. This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report. My rights are being violated. 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until they provide competent evidence that validates the debt including a signed agreement, full account history, and verification of their authority to collect the company must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
Car was repossessed XXXX/25. All past due, current, and fees paid XX/XX/XXXXXXXX/25. XXXX in total that day. They lost my car at first, then found it in Illinois at XXXX XXXX in XXXX. I was given a website to schedule pickup. They have no money no email and no other means of contact. The 1st pick up was my fault... I forgot my key at the hospital ( XXXX ) I rescheduled for XX/XX/XXXX but someone called my fiance and said I set it for property not vehicle. I have tried 20x to reschedule but their site is broken. I submitted multiple messages thru their contact us form but no one replied. ( Also their phone recording says all fees due at time of pick up in cash, no atm on site ) but no dollar amount was given for the first pick up so I would have been turned away since I had not yet called and only used their website as instructed by XXXX ). After no success I called my car company no less than 10x and was verbally berated and mocked and threatened. I was told they didn't care what I wanted I would get no paper work and no assistance. I asked for a breakdown of where my XXXX XXXX went since after XXXX months and my calling them repeatedly they suddenly added a new fee of over XXXX and said " this is how it's done '' and said they could do some type of calculation to raise it if I'd like. I only asked to not pay storage past XXXX/25 since after that it wasn't in my control and I was denied access. They threatened to file a new repossession and said it would be " easy peasy '' since they already had my car. I explained I'd been paying for months and was paying for rides and missing important XXXX XXXX as well as paying full coverage insurance on my car. They responded with more ridicule and mocking. I was in an attorney 's office during 2 calls for an unrelated matter and he heard part of it. Told me this company is known for these tactics and I should sue them. I'm looking into that.

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 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Okay I don't know if this is a mistake all the complaints is XXXX complaints out of nowhere all the complaints got close at once without any answer. So the complaint i am actually need immediately attention is all XXXX transaction all my account was hacked and messed I will also contact fbi to investigate farther today shows all my complaints were close and never got a response from any okay so i.domt know whats happening i need my XXXX dollars XXXX XXXX XXXX transaction need to be investigate also XXXX also XXXX I need my money back amd also please provide with XXXX contact please. I also provide all prove of the transaction wellsfargo XXXX department has giving me fake claim numbers never got fix I need my money back is know is a lawsuit for wellsfargo after complaining they close my account I am talking my card got clone and also all my account I have prove u will provide them I beimg waiting way too much XXXX this need be scaled.

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 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In XX/XX/year>, my Capital One checking account was restricted. I was verbally told by the bank that they were ending the banking relationship, but my remaining balance of {$750.00} has never been returned. Since then, I have called Capital One multiple times requesting : The reason for the restriction The status of my account closure When my funds would be released A written explanation of why my money is being held Each time, the XXXX were unable to provide answers and appeared confused. All letters I have received from the bank have been XXXX or XXXX, with no resolution or explanation. The account still shows old transactions and the {$750.00} balance, but the funds are completely inaccessible, and the account remains restricted. No closure payout has been issued.I am requesting that Capital One either : Release my remaining funds immediately, or Provide a formal written explanation for the continued restriction. This issue has persisted for over XXXX months, far beyond standard banking timelines, and I need regulatory intervention to ensure the funds are released. Its been to long im a XXXX XXXX XXXX XXXX and i need my money as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
I have had a BILT XX/XX/XXXX credit card for the pastXX/XX/XXXX years. The XXXX companies decided to split ways and BILT offered a new card which i secured. i asked for a balance transfer of XXXX card to the next and it was not accomplished. They changed the policy on the credit card. the new card pulls the money right out of the bank account rather than carry it over like it would before on credit. i was not prepared to pay for XXXX months rent on the same day and struggling to keep up. if they had just transferred the balance i could pay this over time at their lower APR. i am stuck with the high balance on the old card at a very high APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a billing dispute regarding a Macys credit card charge for {$130.00} related to a returned item that was never credited to my account. On XX/XX/year>, I purchased a XXXX XXXX mens jacket at Macys XXXX XXXX for {$130.00}. Between XX/XX/XXXX and XX/XX/year>, I returned the jacket in person at the same store. At the time of the return, the Macys XXXX did not provide both the original purchase receipt and a proper return receipt. I was given only XXXX piece of paper and believed the return had been processed correctly. Later I discovered that no refund had been credited to my Macys credit card account. As a result, interest and charges accumulated and the balance increased to {$170.00}. I contacted XXXX XXXX multiple times and was instructed to report fraud. After investigation, XXXX confirmed that no fraud occurred. This issue is not fraud but a billing error because a returned item was not properly credited. There are also inconsistencies in Macys internal records and online statements regarding item descriptions and sizes for transactions during this period, suggesting possible system or documentation errors. I am requesting : A refund of {$130.00} Removal of all related interest and fees Confirmation that the account is corrected and the billing error resolved

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 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE INACCURATE AND DO NOT BELONG 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 non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: AL

Complaint narrative:
SELF/SOUTH is falsely reporting on my credit. I have never had any accounts with them. Per my research SELF/SOUTH is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I contacted American Express to inquire about enrolling in their hardship program for my credit card. Before agreeing to enroll, I specifically asked the representative whether entering the program would affect my American Express business line of credit. The representative told me it would not affect my line of credit, and based on that information I agreed to enroll. The following day I discovered that my business line of credit had been closed without my authorization, even though the account was in good standing and all payments were made on time through automatic payments. I relied on the information provided by the representative, and I would not have entered the hardship program if I had known it would result in the closure of my business line of credit. I am requesting that American Express review the call recording and reinstate my business line of credit due to the misinformation provided by their representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Company : JPMorgan Chase Bank, N.A. Product : Checking / Wire Transfer Issue : Fraud / Authorized Wire Reimbursement Dispute Complaint Narrative : I am a long-standing Chase customer maintaining over {$500000.00} in combined deposit balances. On XX/XX/year>, I initiated a {$4200.00} wire transfer from my Chase account to a XXXX XXXX account after being deceived in a fraud scheme. I recognized the fraud within approximately two hours and immediately contacted Chase to report it and request a recall. Chase initiated two recall attempts ; both were unsuccessful due to insufficient funds at the receiving bank. The case was subsequently closed. Given the extremely prompt reporting ( within two hours of the transfer ), I requested an executive review and goodwill consideration. Chase informed me that the case would be reviewed but ultimately denied any reimbursement. I am requesting regulatory review of the following : 1. Confirmation that Chase initiated all recall and freeze procedures immediately upon notification in accordance with its internal fraud protocols and Federal Reserve wire recovery procedures. 2. Clarification of the precise timeline of recall transmission relative to my fraud report. XXXX Review of whether any additional recovery efforts were available but not pursued. I believe my prompt action and significant customer relationship warranted either recovery diligence beyond standard attempts or fair reconsideration of reimbursement. I am seeking a formal written explanation of the recovery timeline and a reconsideration of reimbursement in light of the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, an unauthorized ACH debit of {$340.00} was posted to my business checking account. The originating company was listed as " XXXX XXXX XXXX '' with a description of " XXXX. '' My company did not authorize this transaction. On XX/XX/XXXX, I submitted the required Unauthorized ACH Corporate Return Form to Bank of America 's ACH department via email at XXXX, per their published instructions. The form was completed in full and submitted within the required timeframe. Since then, I have sent three follow-up emails requesting confirmation of receipt and a status update. None of my four total communications have received any response. There is no case number, no update in my secure inbox, and no indication on my account dashboard that this dispute is being reviewed or processed. It has now been over one month since my original submission. Bank of America has completely failed to acknowledge or act on a reported unauthorized transaction on a business account. I am requesting the full reversal of the {$340.00} charge and a formal response from the bank.

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 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased a jacket using XXXX XXXX Installments financed by Affirm. The merchandise was never received. The merchant provided conflicting and inconsistent shipping information for the same order, including XXXX different tracking numbers from XXXX different carriers : XXXX XXXX : XXXX ( shows Delivered on XX/XX/XXXX ) FedEx Tracking : XXXX ( shows Label created only, with no pickup and no delivery confirmation ) The USPS tracking status is being treated as proof of receipt even though there is no signature confirmation, no photo proof of delivery, and no GPS confirmation showing the package was actually received by me. The USPS tracking also indicates the item was left in a mailbox, which is inconsistent with the item type because the purchase was a jacket that would not reasonably fit in a standard mailbox. I opened USPS Service Request # XXXX to report non-delivery. USPS contacted me by phone regarding this request and advised that they could not verify proof of delivery or confirm where the package was placed, especially due to the time that had passed. I opened disputes with Affirm multiple times and submitted extensive documentation. This is now the fourth time I have submitted the same evidence set. In total, I have provided approximately XXXX screenshots and records across these submissions, including carrier follow-up, the conflicting tracking information above, merchant communications refusing to issue a refund, and a XXXX complaint showing the merchant has not responded. Despite this evidence, Affirm repeatedly closed the dispute in favor of the merchant based solely on a generic Delivered scan, without conducting a reasonable investigation into the conflicting shipping information and the carriers inability to verify delivery. As a consumer, I should not be held financially responsible for merchandise that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: IA

Complaint narrative:
In XX/XX/XXXX2025 a door-to-door salesperson from XXXX XXXX, XXXX came to my home and sold me a solar installation financed through Dividend Finance / Fifth Third Bank. I signed a contract on XX/XX/XXXX2025 for a total financed amount of {$34000.00} at 3.99 % over 25 years. The most significant issue is that {$10000.00} of my loan was a dealer/platform fee that was never disclosed to me before I signed. The contract shows only one lump-sum price with no itemization of this fee. The loan closing statement states the full amount went to the contractor for installation which is directly misleading since {$10000.00} was a financing fee unrelated to the actual cost of the solar system. I only discovered this fee months after installation when I pressed the installer for a breakdown. Their sales representative confirmed it in writing on XX/XX/XXXX2025 and admitted the company could not reimburse it. This undisclosed fee nearly entirely cancels out the 30 % federal tax credit that was the primary financial benefit used to sell me on the project. Had I known about this fee upfront I would have sought alternative financing or not proceeded with the project at all. Additionally, my loan is structured around an Incentive Payment of {$10000.00} due at month 15 ( XX/XX/XXXX2026 ), assuming I receive the full tax credit as a lump sum. Nobody verified my actual tax situation before structuring the loan this way. The federal solar tax credit is non-refundable and can only offset taxes actually owed. Based on my tax situation I am unlikely to receive the full amount in one year, meaning my monthly payments will likely increase permanently from {$130.00} to {$180.00} a consequence that was never disclosed to me. The salesperson also told me the 30 % federal solar tax credit was expiring and pressured me to sign quickly. At the time of the sale on XX/XX/XXXX the credit was in fact authorized through XXXX and was not ended until XX/XX/XXXX nearly a month after I signed. This urgency tactic prevented me from asking questions that would have revealed the dealer fee. I have sent formal written dispute letters to both Dividend/Fifth Third and XXXX XXXX via certified mail on XXXX XXXX, 2026. I am requesting that Dividend reduce my loan principal by {$10000.00} to remove the undisclosed dealer fee, or provide equivalent financial relief. I am aware that this conduct is the subject of active federal MDL litigation ( MDL No. XXXX, XXXX XXXX XXXX ) against Fifth Third Bank and Dividend Solar Finance for identical undisclosed platform fees. The court denied Dividend 's motion to dismiss in XXXX 2025, allowing the case to proceed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Bank charged me an unexpected Fees and Interest close to {$1000.00} which I didn't know about. This happened in XXXX 2025. I had the account set up on autopay and have been making payments regularly. When I checked the outstanding balance, I was surprised to to see the balance so I checked. To my surprise the balance had ballooned to {$2600.00}. I called them and they told me that they have charged a deferred interest which can not be waived. If I had known, I would have managed it at the time. My outstanding balance was {$1500.00} when they charged me deferred interest of {$1000.00}. This is highly irregular. I am willing to pay but them charging me differed fees just like that is not right.

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 2026-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
I don't know the exact dates. I do know that the debt is XXXX or XXXX yrs old. Amount is about XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
Account was paid off in full. They charged extra/over interest rate fees. Now they are garnishing my check.

Company response to consumer: Closed with explanation