vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Failure to Investigate Fraudulent Charge / Ignored Certified Documentation Complaint Details : I am filing a complaint against Barclays regarding the handling of a fraudulent charge on my JetBlue credit card account. I disputed a charge of {$2200.00} from XXXXXXXX XXXX XXXXXXXX for vehicle repair services that were never performed in XXXX of 2026. Immediately after leaving the business, it was clear the repairs had not been completed. When I returned, the business had been shut down and the merchant had disappeared. I called the bank immediately and filed a dispute claim, I also requested a new card incase the merchant were to use my original to continue with fraud. I have photos evidence of police tape around the building and several police vehicles at the scene. I discovered the individual was operating an illegal chop shop ( multiple locations ) and is under active police investigation for fraud and theft, with multiple victims. I filed a police report and obtained supporting documentation, showing the my case and the many case numbers currently under investigation. I submitted a formal dispute with extensive evidence via certified mail, including : Several Police report numbers Evidence of criminal investigation Independent mechanic documentation confirming repairs were not completed Transaction receipt photos of business as crime scene and mugshot of owner. The certified mail tracking of all of this information confirms Barclays received and signed for this documentation. I had asked that they contact me when they received the information and that request was ignored. Despite this : My claim was denied based solely on the transaction being face-to-face A representative stated she could not access or locate my submitted documents but continued to state the claim was denied because of face to face transaction ( XX/XX/2026 ) I was later told the dispute was both closed and being escalated, which is contradictory ( XX/XX/2026 ) I attempted to submit documentation through the secure message system, but received repeated errors ( XX/XX/2026 ) This demonstrates a failure to conduct a reasonable investigation and failure to review submitted evidence. Under the Fair Credit Billing Act, this dispute qualifies as : Fraud Services not rendered Misrepresentation of services

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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have a Chase business checking account. XXXXm filing this complaint because Chase placed a restriction on my account after I deposited two legitimate business checks, and theyre still holding everything even though both checks have now fully cleared. On XX/XX/2026, I deposited two checks into my Chase business account : one for {$19000.00} and one for {$8900.00}. Chase restricted my business account the next business day. When I called customer service, they told me that the larger {$19000.00} check needed verification. That $ XXXX check was from a company Ive successfully worked with before, and Ive deposited a check from them in the past and it cleared with no issues at all. Chase said they needed to call the maker to verify the $ XXXX check. They told me they couldnt independently look up a phone number for the business. I then gave them the direct phone number for the owner of the company. They refused to use it, saying they could only accept a number they could verify independently in their system. Both checks have now cleared, and the funds have posted to my account from the issuing banks. Despite that, Chase is still keeping a restriction on my entire account. They keep saying they have to do phone verification on the {$19000.00} check because they suspect fraud simply because of the amount. Theyre completely ignoring the fact that Ive deposited a check from this same company before with no problems. This restriction is making it very difficult to run my business and pay my bills. Ive been cooperative every step of the way, but Chase will not release my own money. Im asking the CFPB to investigate and require Chase to lift the restriction immediately so I can access the cleared funds in my business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recieved an alert saying an inquiry was placed on, my credit report with XXXX XXXX XXXX. I also have a credit freeze on my Experian credit report for quit sometime. Experian , took my complaint via telephone and said the issue would be fraud investigated moving forward.This was also, the very reason I placed a credit freeze on credit report sometime ago .. I'm in the process of purchasing a new home and need this matter resolved immediately. I appreciate your help in 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 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
YOUR COMPLAINT I was approved for the public public service loan. Forgiveness, my loan with with XXXX was payed in full on XX/XX/year> -- It was paid by XXXX XXXX XXXX XXXX who took over the loan after I was told by XXXX that I should apply for a loan Consultation - Which I never had to do BECAUSE I ONLY HAVE ONE LOAN After I did everything I was told then the public service loan forgiveness came through. I don't know where the money is because I never received it in my. I still have a bill with advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have been a Bank of America customer for approximately XXXX years without prior issues. On Thursday, XX/XX/XXXX, I contacted the bank because my card was not working for an online purchase. During that call, I was able to complete the transaction with their assistance and was informed that there were no restrictions on my account. However, on Saturday, XX/XX/XXXX, I received a notification that my XXXX email had been removed, and shortly after I lost access to my account. The restriction occurred over the weekend, when the department responsible for handling my case was not available. As a result, I was left without access to my account or any clear information for an extended period of time, as customer service representatives were unable to connect me with the Risk or Fraud Department. Since then, I have contacted the bank multiple times and requested information regarding my account status and how to resolve the issue. However, I have not been provided with clear information or a viable solution. I have been told that I can not be verified over the phone and that the only option available is to visit a branch in person. I have also been informed that I can not proceed with account closure or any other resolution remotely, leaving me without any available options from my current place of residence, which the bank is aware is XXXX. This requirement is not feasible. I reside in XXXX, I do not have a valid U.S. visa, visa services are currently suspended for my country, and I do not have the financial means to travel. Requiring in-person verification as the only option effectively prevents me from accessing my account and is not reasonable at all. I have requested alternative verification methods and a clear explanation for the restriction, but no reasonable solution has been provided. I have also sent a formal written complaint to a senior representative of the bank requesting assistance in resolving this matter. In my prior written communication to the bank, I also requested an update to my email address associated with the account, as I am currently unable to make this change through online banking due to the restriction. This request has not been addressed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding my federal student loans serviced by MOHELA. My name is XXXX XXXX XXXX, address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Phone : XXXX. Email : XXXX. I have been employed full-time since XX/XX/XXXX by XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a 5XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX organization that provides emergency food and supplies to 37 food pantries in the poorest counties of XXXX XXXX Kentucky XXXX Key Issues : All of my loans ( ~ {$88000.00} balance as of XX/XX/XXXX ) are currently in Administrative Forbearance that I never requested. My employer was ruled ineligible for PSLF after XX/XX/XXXX in a XX/XX/XXXX Federal Student Aid letter, even though the IRS reinstated our XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX status on the same day ( XX/XX/XXXX ) with full retroactive effect. No payments have counted toward PSLF since XX/XX/XXXX, despite continuous qualifying employment. Multiple loans I paid off in full during XXXX are still showing incorrect balances or status. I have filed at least 10 formal complaints with Federal Student Aid since XX/XX/XXXX, including the following case numbers : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX ( still In Review ), # XXXX, and # XXXX. All were closed with no resolution. Requested Action : Please investigate MOHELAs handling of my account, including the improper forbearance and failure to update paid-off loans. I also request that this information be forwarded to the Department of Education for immediate review of my employers PSLF eligibility and restoration of my qualifying payment counts. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I am filing a formal complaint against VyStar Credit Union for their gross negligence and refusal to document a clear case of corporate embezzlement and federal fund fraud. I am the co-owner of the business account for XXXX XXXX XXXX ( Account ending in XXXX ). On XX/XX/XXXX, my former business partner utilized her access to divert {$310000.00} from an XXXX XXXX loan ( federal funds ) into undisclosed personal accounts ( ending in XXXX, XXXX, and XXXX ) within XXXX hours of the deposit. Immediately following the transfer, she closed the joint business account to conceal the trail of funds and bypass corporate transparency. On XX/XX/XXXX, I visited a VyStar branch again to formally notify the bank of this fraud. The staff refused to open an internal investigation or even sign/stamp my formal notification. Their reasoning was that " since it was a joint account, any movement is legal. '' This ignores the fact that these are restricted federal funds and that diverting 100 % of a corporate loan to personal use constitutes XXXX. I have initiated a report with the XXXX XXXX XXXX ( Case # XXXX ) and filed a report with the XXXX XXXX ( Complaint ID : 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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I am writing to formally dispute your response dated XX/XX/year> regarding my account ending in XXXX. The statements presented in your letter are categorically false and do not reflect my actual experience. First, I did not request the cancellation of my card in the manner you described. At the time my account was under financial review and already suspended, I had no practical ability to use the account. Any discussion about closure occurred only after I was placed in that restricted position. More importantly, your claim that I refused to be transferred to the Membership Rewards department is entirely inaccurate. I spent hours on the phone with multiple representatives, including the Membership Rewards team. At no point did I refuse a transferthis allegation is simply untrue. In fact, the issue was the opposite : your representatives were unable to provide a clear or consistent path for redeeming my points. I was explicitly advised that I could not redeem my earned rewards, which contradicts your current position. Given the seriousness of this discrepancy, I am requesting the following : 1. Copies of all call recordings and transcripts related to my account, particularly any interaction where you allege I refused a transfer. 2. Documentation supporting your claim that I declined assistance from the Membership Rewards department. 3. A clear explanation as to why I was previously told I could not redeem my points, despite now stating that redemption was available. Additionally, your refusal to refund the annual fee is unjustified. My account was effectively unusable due to your internal review and suspension, and I did not receive the full benefit of the services tied to that fee. Your response fails to address the core issues raised in my complaint and instead relies on inaccurate representations of events. I expect a corrected and evidence-based response. If this matter is not resolved promptly, I will continue to pursue all available remedies, including escalation through regulatory channels and formal dispute proceedings. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
I have now twice requested and provided all supporting documentation to have the SCRA Key Provisional XXXX XXXX XXXX benefits applied to my account. Both times Lendmark wrongfully denied my request due to debt being incurred after XXXX XXXX. Key provisional benefits of Ohio also include any debts incurred during active service and cap those interest rates at 6 %. I provide my XXXX showing I joined XXXX XXXX from and my home of record is Ohio. Lendmark is in non compliance with state law and is still charging me over 30 % interest. If this continues to go un resolved JAG has advised to file with the Ohio AG.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received my XXXX Statement showing the total balance of {$200.00}, due XX/XX/year>, I paid {$200.00} prior to the due date. I assumed the account was paid off and stopped making payments. The beginning of XXXX I received notice that my account was past due. Upon researching I reviewed the XXXX Statement, showing previous balance of {$200.00}, payments of - {$200.00}, purchases {$0.00}, Credits {$0.00}, cash advances {$0.00}, fees {$0.00}, yet they charged me {$2.00} in interest on a balance of {$140.00}. At no point was my account at {$140.00}, it went from {$200.00} to {$0.00}. Since I missed this due to assuming it was paid off, I also received a late fee of {$0.00}. I now owed {$2.00}. I paid the {$2.00}, but reached out to customer service for an explanation. I wanted to know what the {$140.00} was and why I was being charged interest when I clearly paid off my bill in XXXX. The explanation ( attached conversation ) didn't make any sense. The woman also informed me that I would owe more interest next month, even though I had paid the {$2.00}. I asked her for my current accrued interest so I could pay it off and be done with it, but she was not able to give me that until the billing cycle ends. This seems scammy and I want to know why I am being charged interest on an account that has a XXXX balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My account has been frozen on XXXX for 180 days. I have already submitted a complaint and the company has wrote back stating that I will get my money XX/XX/XXXX or before. It is now XX/XX/XXXX and my account is still frozen. I have waited six months and I really need it due to my mom being in the hospital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
I am submitting this complaint regarding Hunter Warfield Inc and a disputed collection account appearing on my credit report. My XXXX credit report shows account XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$21000.00}, opened on XX/XX/year>, with the original creditor listed as XXXX XXXX PROPERTY OWNER I. The account is reported as Collection with the remark Placed for Collection. This reporting is preventing me from obtaining an apartment and is causing immediate housing harm. I dispute this debt and request full validation. I am filing an FTC Identity Theft Report because I believe this account is the result of identity theft and/or unauthorized use of my personal information. Hunter Warfield should not continue collecting or reporting this account unless it can provide competent evidence that I legally owe this debt. I request that Hunter Warfield provide all documents supporting its claim, including the original lease or rental agreement, an itemized statement of charges, a full payment ledger, move-in and move-out documents, any documents bearing my signature, and all records showing how the amount of {$21000.00} was calculated. If Hunter Warfield can not provide this documentation, the account should be immediately deleted from all consumer reporting agencies and all collection activity should stop. I also have concerns about Hunter Warfields authority to collect in Georgia because I have been unable to locate a Georgia Secretary of State registration for the company. I request that Hunter Warfield provide proof of its authority to conduct this collection activity in Georgia. Because this account is harming my ability to secure housing, I request urgent review and a prompt response. I want Hunter Warfield to either fully validate this debt with documentary proof and proof of authority to collect, or immediately delete the tradeline and cease collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sezzle Inc.
State: MD

Complaint narrative:
I used a buy now, pay later service through Sezzle to purchase an order from XXXX ( XXXX # XXXX ) totaling {$530.00}. This amount included a separate charge of {$34.00} for shipping insurance. The package was marked as delivered by XXXX on XX/XX/year>. However, when I returned home, the package was not present. I did not take possession of the merchandise and believe it was stolen from my front porch shortly after delivery. A police report has been filed regarding the incident. At the time of purchase, I paid for shipping insurance with the understanding that it would protect against loss. There was no clear or prominent disclosure during checkout indicating that theft after delivery would not be covered. Based on the term insurance, I reasonably expected protection against loss, including theft. I contacted the merchant multiple times requesting a refund or replacement. The merchant refused, stating that their insurance only covers loss or damage during transit. This limitation was not clearly disclosed at the time of purchase. I then contacted Sezzle to request a formal dispute based on item not received and misrepresentation of the shipping insurance. Despite providing details of the situation and the merchants refusal to assist, Sezzle declined to open or properly handle the dispute and directed me back to the merchant. I believe I did not receive the goods and that the shipping insurance was misrepresented. I am requesting that Sezzle properly review this dispute and provide assistance in resolving this matter.

Company response to consumer: Closed with explanation