vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Summary : TD Bank closed my checking account on suspicion of fraud. I did commit any fraud. They have not told me the specific reason. I deposited a check to me for {$17000.00} in good faith at a branch ATM on XX/XX/year>, into my TD Bank checking account. I no longer have the check and did not make a copy of it, but I do have the ATM receipt, which I will attach. Earlier this week, I received a secure email in my online account from TD Bank that they had put a hold on the check to protect my account. Yesterday XX/XX/year>, I tried to log into my TD Bank account online and was denied access. I called the toll-free number they provided and was told that their fraud department had closed my account, but the TD Bank customer service person said I could visit any TD Bank branch to request more information, to provide more information, and to make an in-person request for a 2nd review of my account. So yesterday I went to the Melrose, MA branch because it is closest to where I live now even though I opened the account with a different branch about two or three years ago. They did not provide more information, except that the account was closed because of fraud ( code XXXX ), and that a second review had already been done. The branch initiated a third review on my behalf, but they would not tell me the specific reason for the fraud concerns. I am speculating that it is about the check because of the secure email TD Bank had sent me, but I don't really know. I have not committed any fraud. This unjust action has caused me stress and anxiety. TD Bank should reopen my account and send me a formal letter of apology.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 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: TX

Complaint narrative:
I am a Texas resident disputing XXXX re-posted charges from XXXX XXXX totaling {$420.00} ( {$280.00} and {$140.00} ) on my Barclays credit card ( Confirmation # XXXX ). The Dispute : 'Original Form of Payment ' vs. Restrictive Credits XXXX XXXX is attempting to deny a cash refund by claiming the ticket was purchased with a 'Reservation Credit. ' I formally reject this. Under USDOT 14 CFR Part 260, when a carrier initiates a significant change ( 3+ hours ), they must refund the passenger to the 'original form of payment. ' Because the underlying value of this credit originated from a cash purchase on my Barclays credit card ending in XXXX, the law mandates the airline make me whole by returning those funds to that card. Carrier Failure & Incurred Damages XXXX changed my XXXX XXXX departure to XXXX XXXX ( a XXXX, XXXX change ). No other flights were available on that calendar day. Because XXXX failed to provide the contracted service, I was forced to purchase a replacement flight on XXXX XXXX at my own expense to reach my destination. I have provided Barclays with the receipt for this replacement flight as proof of service failure. Illegal Procedural Stalling XXXX has stated they require 60 days to 'research ' this matter. However, 14 CFR 260.10 requires credit card refunds be processed within 7 business days. By re-posting these charges to my statement while simultaneously claiming a 60-day window, XXXX is practicing 'unjust enrichment'holding my funds hostage for a service they never rendered. Requested Resolution : I request that the CFPB compel Barclays to permanently reverse these XXXX charges ( {$280.00} and {$140.00} ) and any associated interest. Barclays should not allow a merchant 's internal 'credit ' policy to override federal consumer protection laws regarding mandatory cash refunds for significant carrier-initiated changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: MS

Complaint narrative:
Currently receive mail in regards to student loans

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Deposited funds on Tuesday XXXX of XX/XX/year>. The Only woman working told us that XXXX would be made to be available to us the next day. No funds were made available. Then on the XXXX another disperment of a precentage totaling approximately XXXX, was supposed to be made available but NONE of the money was made available to us until XX/XX/XXXX which accordingto CS on the phone. This account has been open 12 years with 2 government direct deposits. We even have a credit card with the bank. The customer service woman on the phone was like- nope we wouldn't say that. Even though the receipt states the second disperment was to be made. The lack of professionalism- telling us we should have gotten a electronic transfer. We have no remedy but to wait for Bank of America to release our money from a home that we sold.

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 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National credit system is falsely reporting on my credit. I have never had any account with them.Per my research national credit system is a debt collector. They have failed to provide me with a proper investigation and validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Mi XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX Subject : Request for Debt Validation To Whom It May Concern, I am writing in response to your recent contact regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. Please provide the following information : 1The amount of the alleged debt 2The name of the original creditor 3Copies of any documents showing I am legally responsible for this debt 4Proof that your company is authorized to collect on this debt 5A complete payment history, including any interest or fees added Until you provide proper validation of this debt, I request that all collection activity cease and that you do not report this account to any credit reporting agencies. If this account has already been reported, please mark it as disputed. If you can not provide the requested documentation, I request that this account be removed from my credit file and that no further collection attempts be made. Please respond to this request in writing within 30 days of receiving this letter. Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Block, Inc.
State: NC

Complaint narrative:
I contacted Cash App support via in-app chat to resolve the missing referral bonus. The agent provided a generic list of requirements that did not address my specific situation regarding the lack of disclosure for returning users. The agent then terminated the chat session abruptly without providing a case number or a way to follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I am filing this complaint regarding Caine & Weiner , LLC for attempting to collect a debt that has not been properly validated. I previously disputed this account with the credit bureaus and directly requested full validation from the company. Specifically, I requested a signed contract or application, complete account statements from the original creditor, proof of assignment/ownership ( chain of title ), and documentation supporting the amount being claimed. The company failed to provide proper validation. Instead, they only provided generic account statements, which do not constitute sufficient proof that I am legally obligated for this debt. No signed agreement, no complete chain of title, and no competent evidence of ownership has been provided. Despite the lack of proper validation, the account continues to be reported on my credit report and is marked as a collection account, which is damaging my credit. This conduct appears to violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as the company is attempting to collect and report a debt without providing adequate verification. I request that this account be immediately removed from my credit report or that the company provide full and proper validation as required by law. If they are unable to do so, they must cease all collection activity and reporting. I am requesting a formal investigation into this matter and appropriate action to correct this inaccurate and unverified reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
And surprised did not have authorization to use this card for any future billing. This was not the card on file. This was a card used for a one time purchase furthermore and surprise, and not provide any proof of tolls as I requested on more than one occasion, this is an unauthorized charge and I request that it be reversed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2026, I was charged {$250.00} for a taxi arranged verbally through the XXXX XXXX in XXXX XXXX, CA. No fare was quoted or agreed upon, and no meter was used. The trip was from the XXXX XXXX, XXXX XXXX, CA to XXXX XXXX XXXX, XXXX XXXX, CA XXXX, approximately XXXX miles. A reasonable metered fare for this route would be {$6000.00}. Additionally, the charge on my statement does not reflect a taxi company name only an individual persons name appears. This makes it impossible for me to independently verify that this was a legitimate taxi charge, who processed it, or under what authority. I disputed {$200.00} of this charge with Bank of America, retaining {$57.00} as a reasonable fare. Bank of America denied my dispute, citing the lack of a prior price agreement and no receipt. However, the absence of an agreed-upon fare is precisely what makes this charge unauthorized. I never consented to a {$250.00} fare. Furthermore, operating a taxi without a functioning meter is a violation of XXXX XXXX taxi regulations, and a legitimate taxi transaction should be traceable to a licensed company, not just an individual name. Bank of America declined to protect me as a cardholder against an unmetered, unquoted, and unverifiable charge, and suggested I pursue small claims court instead, an unreasonable burden for a {$200.00} dispute. I am requesting that the CFPB review Bank of Americas handling of this dispute and that the {$200.00} be credited back to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I purchased XXXX retainers in the amount of {$2400.00} on XX/XX/XXXX and financed the product through CareCredit/Synchrony . Since then, XXXX has admitted ( and notified consumers on XX/XX/XXXX ) that this product should stop being used, as it has been proven to cause health harm. XXXX is now being sued ( class-action lawsuit ), to which I am one of the individuals being represented ( by XXXX ) XXXX I reached out to BYTE on multiple occasions in XXXX for a refund, one being an email on XX/XX/XXXX ; however, I received no response in return. I notified Care Credit/Synchrony of the information above and asked that they open a dispute for the charge in XXXX of this year. They denied my dispute and added a subjective {$1400.00} worth of interest on top of the original purchase price. I asked that they reopen the dispute, I provided additional accurate and supporting documentation ; however, Care Credit/Synchrony denied my dispute again. It is important to note that throughout the entirety of my dispute, I have been making the full required payments to Care Credit/Synchrony in good faith.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Absolute Resolutions Corp.
State: NM

Complaint narrative:
In XX/XX/XXXX, I had submitted a complaint regarding Absolute Resolutions for alleged debt, they did not provide validation of debt and initially removed collections. However, now in XX/XX/XXXX they have submitted the collections again without validation of debt and I want the collection removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XXXX XXXX XXXX XXXX , XXXX XXXX Debt Collector 's Address - insert if known ] Re : Cease and Desist Demand under 15 U.S.C. 1692c ( c ) Account Number : XXXX Original Creditor : XXXX at XXXX To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally requesting that you cease all communication with me immediately regarding the above-referenced account. This written notice serves as my officiaJ demand that you stop contacting me about this alleged debt. As required by federal law, after receiving this letter, you may only contact me to : 1. Confirm that your collection efforts have ended ; 2. Notify me that you may invoke specific remedies that are ordinarily invoked by your company ; or 3. Notify me that you intend to invoke such a remedy. Any other contact from you or your representatives, including but not limited to phone calls, text messages, emails, or mailed correspondence, will be considered a violation of the FDCPA. Such violations will be documented and may result in legal action. Please also be advised that any attempt to report inaccurate or unverified information to credit reporting agencies will be considered a violation of the Fair Credit Reporting Act ( FCRA ). I expect written confirmation that you have received and will comply with this notice. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
SUBJECT : NEW EVIDENCE - Continuation of Complaint # XXXX I am filing this new complaint because I have obtained official law enforcement evidence regarding the {$50000.00} in fraudulent charges on my Apple Card, as requested by Goldman Sachs XXXX their previous response. My previous CFPB complaint auto-closed before this evidence could be uploaded. The bank previously denied my claim under the " Authorized User '' clause. I am now officially providing Police Report # XXXX filed with the XXXX XXXX Police Department ( XXXX Precinct ) for this incident. These transactions were the result of a highly sophisticated Account Takeover and Theft by Deception. Furthermore, the final transactions were completed under documented, physical threats to my safety ( " raid his address '' ), which legally constitutes Duress/Extortion . A civil cardholder agreement does not supersede criminal extortion. I demand that Goldman Sachs XXXX XXXX XXXX Department review this active law enforcement investigation, halt the XXXX charge-off process, and remove these extorted charges from my account and credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I am being told I went to XXXX XXXX and collected a refund. And I do not went to wall green and collected any money. Am told by western union customer service they are waiting on XXXX to call them. And it is going into 2 months now. And I need a payout detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am submitting a formal complaint regarding my business account with Chase Bank, opened on XX/XX/year>. At the time of account opening, I deposited a {$32000.00} cashiers check drawn from a Chase account. As of today, these funds have not been made available to me. Despite multiple attempts to resolve this issue through branch visits and communication with bank representatives, all the way to Executive Office, I have not been provided with a clear explanation for the delay, nor a definitive timeline for when the funds will be released. Additionally, I was instructed by bank representatives that my personal name needed to be reflected with the Georgia XXXX of XXXX in connection with my LLC. Based on this instruction, I incurred expedited filing fees to amend business records. I later determined that Georgia LLC filings do not require listing members or owners publicly, making this directive questionable and potentially misleading. As a direct result of the banks actions and delays, I have experienced : Unnecessary expedited filing expenses Late fees on financial obligations Disruption to normal business operations due to lack of access to deposited funds This matter requires immediate attention due to the ongoing financial harm being caused. The continued withholding of {$32000.00} in guaranteed funds has impaired my ability to meet time-sensitive obligations and maintain business continuity. Given the nature of the deposit and the extended delay beyond standard regulatory timeframes, I respectfully request that this complaint be prioritized for prompt investigation. I am requesting the following : Immediate release of the {$32000.00} funds A full written explanation of the reason for the delay and any account restrictions Reimbursement for expenses incurred as a result of the banks instructions and delays I appreciate your prompt attention to this matter and request a timely resolution. Sincerely, XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
Pennymac Loan Services is stealing my mortgage payments and failing to properly document my mortgage payments accurately in an attempt to file foreclosure on my house. My house currently has a lot of equity. They stole XXXX mortgage payments stating that my payment for XXXX was short by XXXX dollars and my payment for XXXX was applied to XXXX, but my XXXX payment was not documented. Now they are claiming that I owe XXXX month mortgage. They did this last year and stole XXXX months mortgage. This is now a trend. They raise my mortgage frequently which is why I made an error on XXXX mortgage. My taxes were reduced but Pennymac keep raising my mortgage claiming that my taxes increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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:
I have been dealing with cashapp since XX/XX/XXXX. There are several fraudulent transactions that have caused my personal bank account to be overdrawn an added overdrawn fees in the amount of XXXX. Transactions from XXXX that I do not even have or know what that is. an Transactions from a person sending and also taking money from my account that I don't even know. There's also a loan in the amount of XXXX that was borrowed on XX/XX/XXXX saying it needs to be repaid that I did not authorize, I haven't borrowed any money from cashapp.. I have been via online messaging and contacting cashhapp since XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX and XXXX and I have contacted them also on XX/XX/XXXX via phone.

Company response to consumer: Closed with explanation