vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 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: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
This correspondence serves as my formal Claim Notice under the arbitration provision of the American Express Cardmember Agreement. It memorializes the full scope of my claims, the factual and regulatory basis for those claims, and the specific relief demanded. I am providing this notice to the Bureau so it is clear that, absent a satisfactory resolution within the required time period, I intend to file a formal Demand for Arbitration with the XXXX XXXX XXXX XXXX XXXX ) against American Express National Bank. For the avoidance of doubt, this Claim Notice is part of a larger evidentiary packet already provided to the CFPB and OCC, including a supervisory appeal, a formal document demand and preservation notice, and supporting account records ( such as the internal XXXX XXXX XXXXXXXX XXXX XXXX entries ) that I will rely on in any subsequent arbitration proceeding. A hard-copy version of this Claim Notice, together with the full evidentiary packet, is being mailed to American Express via XXXX XXXX Mail .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
The agency says I owe them {$4100.00} and they're going to repossess my car to sell it. I called them to discuss a payment plan because I stopped making payments due to a family member 's death and lost work hours. They told me they didn't care and that they should send a tow truck to take the car I've been paying for for a year with high interest rates, not caring about leaving me without a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Issue : Failure to honor promotional terms and deceptive advertising. Summary : I applied for a XXXX XXXX XXXX using a live landing page on the Chase website ( Source Code : HSCP ) which explicitly promised XXXX miles plus XXXX miles for adding an authorized user. The Discrepancy : After meeting the requirements, Chase awarded only XXXX miles for the authorized user. I contacted Chase via secure message to correct this error and provided visual proof of the landing page. Internal Failure : On XX/XX/year>, a Senior Service XXXX ( XXXX, XXXX : XXXX ) refused the request, stating the " richer offer '' was not available and that this was " the same for all cardmembers. '' This response ignores the fact that Chase 's own website presented these specific terms to me during the application process. Evidence : I have attached the original screenshot showing the XXXX promise and the URL containing the unique " prefill-token ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
While I was in XXXX traveling celebrating my birthday, Ive gone to an event where I was sitting down in an area. I put my bag down on my seat, got up to greet some people, and when I came back, my bag was gone. It contained my passport my ID {$400.00} in cash my Cash app card and another credit card and also have my phones both of them. Were XXXX XXXX XXXX. I asked the owner if anybody had turned it in as a security guard theyve seen anything and at the end I ended up having to leave because they were closed and I couldnt find my bag. I walked to my hotel and on my way to my hotel. I was actually beat up by XXXX XXXX and XXXX XXXX who ended up taking my shoes when I finally reached the hotel. I went to the front desk, told him what happened and they were able to call the authorities which made me walk to them and were closing soon I filed a report but wasnt able to get a hold of anybody and say I had taken my phone and I had no idea so I wasnt able to receive money or fly out of the country. I had to wait till the Monday for the Embassy to open, which was the day of my flight I spent XXXX days trying to figure out what to eat where to stay luckily, I made some kind people who helped me out, but still wasnt able to get a hold of my bank or my mobile provider or any way to just block my accounts and I finally reached home. I seen that they took out {$1000.00} made a police report there too and filed the dispute waited 10 days for an answer they denied it so I filed an appeal uploading the police report from here and from XXXX and they united again and said this decision was final. I asked for paperwork stating how they came to the conclusion and how people were able to withdraw {$1000.00} without my pin and why I was not able to cancel my card at that point and I had to wait XXXX days in order for me to get a new one. I called them and Im not able to reach any management or any appeal team. Its all through email and just uploading documents, I want proof that they know it was me or think it was me or any kind of proof that it was me on how they made the decision because I have police reports have witnesses that can put me with the embassy put me with the police put me with my hotel and put me with the immigration as well as the air flight that I took that I had to show my police report in order to get on board its been a hassle and an extremely horrible situation especially on my birthday and its only getting worse since Ive gotten back. Theyve tried to apply for loans I put a free on my report. Hopefully this all works out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX XXXX have opened accounts fraudulently with Home Depot and both companies were sending us consumer bills to our address. Home Depot, they have sent since 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 2026-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I refinanced an auto loan with PNC bank over XXXX year ago. My new lien holder is XXXX XXXX. Since then, I have not been able to renew my vehicle registration despite dozens of calls to all institutions involved as well as the DMV. Apparently when PNC bank was filling out the forms for a title release, they made it out to XXXX, instead of XXXX XXXX. PNC bank said there was nothing they could do to help, because XXXX now needed to provide a letter of no interest. XXXX was unhelpful and said they could not help me directly, and that XXXXXXXX XXXX needed to reach out themselves for the letter. This was finally done after months of calling. I was told everything had been sent, then found out from the dmv the lien release was a copy, and unnotarized so it was not suitable. I am now stuck spending any break at work calling to try to reach XXXX XXXX and XXXX XXXX to get a resolution, and have the appropriate documentation provided to the dmv. I have found this very unclear, and have been told different things and different documention needed fro every person I have spoke to. This must happen occasionally, and these institutions should have their staff trained to help in this scenario and make it clear. I also believe that if your organizations administrational mistakes cause a customer to be unable to renew their registration, you should be liable for any penalties they may face for late registration renewal and rental car costs. For people who have one vehicle, this can be a significant problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to formally dispute an inaccurate item on my credit report. My report shows that I owe {$660.00} to [ Company Name ], which I do not owe. This item is incorrect and damaging to my credit, and I request that it be investigated and removed under the Fair Credit Reporting Act ( FCRA ). Recent reports indicate that major financial institutions, including Capital One, have been investigated and sued for illegal and deceptive practices, such as misleading customers and misreporting debts or interest payments, allegedly costing customers billions of dollars. These cases demonstrate that creditors and banks are being closely monitored for errors or unfair reporting, and that consumers have the right to dispute inaccurate information and seek correction. Given these circumstances, I respectfully request that my dispute be taken seriously. I have attached all supporting documentation showing that I do not owe this debt. Reporting an inaccurate balance of {$660.00} is harmful to my credit and financial well-being, and I ask that this item be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sezzle Inc.
State: TX

Complaint narrative:
was unable to make payment on time, withdrawls were made from account without authorization, which lead to a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Company : Global Lending Services Product : Auto Loan Vehicle : XXXX XXXX XXXX XXXX : XXXX Purchase Date : XX/XX/XXXX Registration Expired : XX/XX/XXXX Complaint Summary : Failure of lender to obtain vehicle title, preventing registration and lawful use of financed vehicle. Detailed Complaint : I am filing this complaint against Global Lending Services regarding a vehicle loan financed through their company. Since the date of purchase, they have failed to obtain and/or properly process the vehicle title from the dealership. As a result, the State of XXXX has placed a block on my vehicle registration, preventing renewal and making the vehicle illegal to operate. This has rendered the vehicle unusable for approximately XXXX months, despite my continued financial obligation and timely payments under the loan agreement. I have contacted Global Lending Services multiple times to resolve this issue. Each time, I was told the matter would be investigated ; however, no follow-up or resolution has been provided. The dealership involved is no longer in business. Despite this, Global Lending Services had the responsibility to ensure proper title transfer and lien perfection. Their failure has resulted in a defective transaction and financial harm. Consumer Harm : Vehicle can not be legally driven Financial loss from payments Loss of transportation Time and stress attempting to resolve the issue Desired Resolution : 1. Termination of the finance agreement due to non-performance ; 2. Refund of payments made including taxes and down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Lendmark Financial Services
State: SC

Complaint narrative:
I am disputing the inaccurate reporting and improper handling of my auto loan account with Lendmark Financial Services following my vehicle being totaled. My primary auto insurance paid the majority of the loan balance. A GAP claim was also involved ; however, I have confirmed that the lender did not submit the GAP claim until XX/XX/year>. The claim remained open and under review until XX/XX/year>. During this time, my account was in an active insurance/GAP process. Despite this, Lendmark reported my account as 30 days late in XX/XX/year>. I was not notified that payments had resumed or that my account was due prior to being reported late. I was not contacted regarding any payment until XX/XX/year>, XXXX day after the GAP claim was finalized. During that XX/XX/year> call, I was not informed of any prior delinquency for XXXX. Instead, I was offered a deferment, which I signed on XX/XX/year>. This indicates that the account was still being adjusted and that payment expectations were not clearly communicated. Additionally, my credit report reflects that my account was current in XXXX and XX/XX/year>, which contradicts the lenders claim that I was delinquent during that timeframe. Late fees were repeatedly added to my account each time a payment was not made by the XXXX of the month, including during the period when the GAP claim was in process. In addition, the lender attempted to debit my account without authorization on multiple occasions, which resulted in additional fees. I had to call and manually make payments to prevent these charges, yet the fees continued to accumulate. The GAP settlement worksheet shows that the remaining balance is largely composed of late fees and delinquent payments totaling over {$1700.00}. These fees were added while the account was in the claims process and appear to have directly impacted both the GAP decision and the remaining balance owed. I did receive a payment history from Lendmark ; however, it did not clearly explain the late fees, account status during the GAP process, or when payments were expected to resume. I had to obtain GAP claim details separately from the GAP provider. Additionally, I was not informed of the option to change my payment due date until XX/XX/year>, despite ongoing issues with payment timing and communication. This lack of guidance contributed to the continued issues with payments and fees. Due to the delayed submission of the GAP claim, lack of proper communication, repeated fee assessments, and inconsistent account handling, I believe the XX/XX/year> late payment and the accumulation of late fees are inaccurate and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: DE

Complaint narrative:
This is a formal dispute and notice of intent to pursue legal action against Source Receivables Management regarding the following fraudulent account : Account Number : XXXX I dispute this account in its entirety. It does not relate to any transaction or obligation of mine and is the result of identity theft. A police report is attached as supporting evidence. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), you are required to report accurate information and provide proper validation. Your continued reporting of this fraudulent account constitutes willful noncompliance with federal law. I demand : Immediate deletion of this account from all credit reporting agencies Written confirmation of removal Immediate cease and desist of all collection activity Failure to comply will result in complaints filed with the CFPB, FTC, and State Attorney General, as well as potential civil litigation for damages. I request the CFPBs assistance in resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Im in disagreement with the account listed below which appears on my credit report. I would like an immediate investigation. The inaccuracies are highly injurious to my credit score. JEFFCAPSYS Account Number : XXXXXXXX XXXX XXXX XXXX XXXX In accordance with fair Credits Reporting Act, Public law 91-506, Tile VI, Section 611, please provide the name and business address of each individual with whom you verified above so that I may follow up. Please send me an update copy of my credit report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened an account with BMO ( XXXX XXXX XXXX ) and later mistakenly reported possible fraud 0n XX/XX/year> while I was overseas because I did not receive it in my Chase account. It was connected to the BMO account that I did not even fully set up yet. I did not initially recognize the bank name when my daughters XXXX 'd me {$330.00}. As a result, the bank closed the account and said that they would issue a check for the remaining balance. I called again today on XX/XX/year> to tell them that I did not receive this check. The representative informed me that it was sent and someone by the name of " XXXX '' cashed it, which is not me. They told me that I needed to call a number to claim the check and that it will take 6 months. The number told me to go to " XXXX '' I called again right after to hopefully get someone better equipped to help me. I was transferred to the XXXX department. The rep told me that we are on a recorded line, and I informed him that I am recording as well and that's when his tone changed. I restated my case and asked him if he knew about my situation and he said " yes and they said that because your account closed as fraudulently doing ID theft, they closed and didn't send any funds. '' I explained to him that I was overseas and mistakenly thought that it was fraud. He seemed very uninterested and said that " it's in review right now and someone will get back to you. Is there anything else? '' As I was asking him to repeat himself, he spoke over me and said " thank you have a good day '' and hung up on me. I have this whole interaction on recording. Now I know that I'm being lied to. The first representative told me that someone stole the check and directed me to the claims department in Illinois. Now this one is telling me that the funds were NEVER sent. I contacted BMO again a third time after that call to report the stolen check and request an investigation and reissuance of the funds. However, the rep hung up on me again. I have had difficulty obtaining assistance, opening a formal fraud claim, or receiving clear guidance regarding the investigation process. I am requesting that BMO conduct a proper investigation into the fraudulent negotiation of this check if their claim is true, provide documentation related to how the check was cashed, and have the funds recovered or reissued to my home address of XXXX XXXX XXXX, XXXX TX XXXX. I am also requesting a proper investigation into the conversations that I had with their representatives today to know why they lied to me. I am seeking regulatory assistance to ensure that this matter is properly reviewed and resolved, and that I will receive {$330.00} that my daughter 's XXXX XXXX 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 monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am a co-borrower on a mortgage for a property currently scheduled for a trustee sale in XXXX. The property is part of an active marital dissolution case in XXXX and is considered disputed community property. My spouse, who has access to significant marital funds, has refused to make mortgage payments despite having the financial ability to do so. I do not currently have independent income, as I am completing required fieldwork for my graduate program, and I have been using rental income solely for basic living expenses for myself and our minor child, whom he does not financially support. The default is directly related to this dispute and not an inability of the marital estate to cover the obligation. Foreclosure under these circumstances would result in unnecessary loss of equity and financial harm while the matter is actively being litigated. I am requesting that the servicer review this situation for loss mitigation and postpone the trustee sale to allow time for court intervention and resolution of financial responsibility between the parties. Additionally, I am concerned about potential dual tracking issues if foreclosure proceeds while I am attempting to request assistance and resolution. I am asking for : A temporary postponement of the trustee sale A review for any available loss mitigation options Clear communication regarding what is required to pause foreclosure proceedings

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 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, I attempted to purchase concert tickets through XXXX using my bank account. The payment was declined by my bank due to insufficient funds. Despite this, PayPal completed the transaction on my behalf without my authorization or clear consent, creating a negative balance of {$2100.00} on my PayPal account. I contacted PayPal immediately to stop the transaction, believing the charge had not gone through. PayPal did not clearly inform me that the payment had already been completed and instead directed me to contact XXXX. This prevented me from canceling or properly disputing the charge in time. Additionally, PayPal did not allow me to file a dispute through their XXXX XXXX for this transaction. Funds that were later sent to my PayPal account were applied toward this negative balance without my authorization. I believe PayPal failed to provide clear disclosures about how transactions are processed when a bank payment is declined and improperly charged me for a transaction I attempted to stop. I am requesting that this transaction be reversed, my balance be corrected, and any funds taken toward this charge be refunded

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: VA

Complaint narrative:
I do not owe this erroneous debt to Jefferson Capital Systems or nay company they are representing and demand this is removed from my credit report immediately. I do not have a signed contract owing this debt with Jefferson Capital Systems or any company they work for ; Jefferson Capital Systems calls consistently harassing about the debt that I do not owe.

Company response to consumer: Closed with explanation