vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing this complaint against JPMorgan Chase regarding XXXX XXXX # XXXX, which was closed on XX/XX/year>. Chase has denied my claim and refused to take action, violating my consumer protections under Regulation E ( 12 CFR 1005.11 ). 
Incident Details : Date of Transaction : XXXX XXXX Amount : {$100.00} Date Reported : XX/XX/year> The Issue : I was the victim of a fraudulent transaction involving a bad actor. While Chase has categorized this as 'authorized, ' I am contesting this under the CFPB XXXX guidance on Fraudulent Inducement. The authorization was obtained through deception by an imposter, and I received no benefit from the transfer. 
Violations : XXXX. Failure to Investigate : Chase summarily closed the case without conducting a reasonable investigation into the recipient 's fraudulent history. 
XXXX. Failure to Provide Evidence : Under 12 CFR 1005.11 ( d ), a financial institution must provide the consumer with the documents they relied upon to deny a claim. Chase has failed to provide these documents despite the case being closed. 
XXXX. Denial of Rights : Chase is incorrectly applying 'Authorized ' status to a transaction that qualifies as an error under the Electronic Fund Transfer Act. 
I am requesting that Chase reopen this investigation, provide the mandatory evidence of denial, and issue a full reversal of the fraudulent {$100.00} transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
RENTRECOVERYSOLUTIONS is falsely reporting on my credit. I have never had any accounts with them. Per my research RENTRECOVERYSOLUTIONS 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: Untimely response
Consumer complaint received 2026-01-20 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: NY

Complaint narrative:
I am filing a complaint regarding an unauthorized online shopping transaction of {$1400.00} on my Bank of America credit card. 



I reported this fraud immediately. Bank of America issued a provisional credit, but later reversed the credit in XXXX without providing any written explanation or evidence. 



I have never made online purchases and did not authorize this transaction. 



I request a full refund of the disputed amount and a written explanation supporting the banks decision.

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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2026-01-20 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: NC

Complaint narrative:
I am filing this complaint regarding Wells Fargos improper denial of my dispute for merchandise that I never received. 

On XX/XX/XXXX, I used my Wells Fargo account to purchase a laptop from XXXX XXXX totaling {$740.00}. XXXX XXXX selected XXXX ( a XXXX company ) as the delivery service. The order was marked as delivered on XX/XX/XXXX, but the laptop was never delivered to me. 

The delivery confirmation photo provided does not show the package delivered to my door. Instead, it shows the driver holding the package in his hand, which does not constitute proof of delivery. I immediately contacted XXXX XXXX and XXXX to report the missing package. 

I also have text message evidence confirming the XXXX driver was aware the delivery was for Apartment XXXX, yet the package was never received. Additionally, XXXX XXXX falsely reflects that the delivery was signed for by me, which is untrue. I never signed for, received, or authorized acceptance of this package. 

XXXX XXXX initially acknowledged the issue and confirmed in writing that a replacement would be sent. However, that replacement was later unexpectedly canceled, and XXXX XXXX reversed their position. On XXXX recorded phone calls, I was told I would receive a refund, but XXXX XXXX later refused to honor those statements and would not provide written confirmation of a refund. 

Because the laptop was missing, I filed a police report documenting the theft/non-delivery. This report confirms the item was never received and lists the full value of {$740.00} as stolen property. 

I then filed a dispute with Wells Fargo, providing : Delivery photo evidence that does not prove delivery Text message records with the XXXX XXXX XXXX  XXXX emails confirming and then canceling a replacement A police report confirming the missing item Wells Fargo issued a temporary credit, but later denied my claim, stating a denial letter was mailed on XX/XX/XXXX, which I have never received. When I contacted Wells Fargo again, I was told the matter would be escalated, but I remain without a resolution. 

Despite extensive documentation and the lack of valid proof that I received the merchandise, Wells Fargo denied my claim and permanently charged me for an item I never received. This has caused significant financial hardship, as the laptop was my means of conducting business. 

XXXX XXXX chose the delivery service, not me, and neither XXXX XXXX nor Wells Fargo has produced credible proof of delivery.

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 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am filing this complaint regarding Capital Ones handling of a prolonged restriction on my XXXX XXXX credit card account. 

The account was restricted following a single verified payment from a jointly held bank account. For more than 50 days, Capital One has repeatedly requested duplicative documentation, failed to meet stated response timelines, refused reasonable verification methods, and blocked escalation beyond frontline fraud agents.

Despite multiple assurances of follow-up within 15 business days, Capital One has never initiated a proactive callback. I have not received written explanation of the restriction, nor a clear path to resolution, while the account remains open and subject to fees and balance obligations. 

I am requesting regulator-assisted review, a written explanation for the restriction, and prompt resolution of the account status. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I signed up with Regions bank and did their Refferal program which rewards both the referrer and referee with {$50.00}. I never received the card. I contacted them both on the phone and in person and nothing has been resolved. It has been almost a year now.

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 2026-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX I received a letter from my credit card company ( Capital One ) stating due to not spending what I have spend in previous months Capital One chose to lower my credit usage by {$6000.00}. I called and first spoke to customer service agent XXXX got no where and asked to speak to his superior XXXX employee # XXXX. Upon speaking to XXXX I told her after decades of using my card they took it upon themselves to lower my credit balance without prior notice. I told them I am enrolled in paper services and just received the letter that my credit was reduced. I told her that that was extremely unfair and poor customer service but I also stated shouldn't there have been a warning? She then went quiet and basically could not answer my question. So without prior notice not only has my credit usage been lowered but my credit score will now be effected. I pride myself on my good score and find this disgusting and unethical especially with no prior warning. So in the end I am getting punished for not spending enough money a month according to them, but also a XXXX XXXX and hitting my credit score This seems extremely unethical!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My loan servicer, Newrez XXXX Shellpoint, assessed premium charges for force-placed flood insurance without properly meeting the notice requirements of 12 CFR 1024.37. The charges were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in amounts totaling {$1700.00}. I was only made aware of these charges by a statement dated XX/XX/XXXX that Shellpoint mailed to me when my loan was transferred to a different servicer. Not only did Shellpoint fail to properly notify me of these charges, Shellpoint also purchased insurance that was completely unnecessary and duplicative as my property already had this type of coverage, Shellpoint simply didn't have the information and did not conduct a diligent search for it. Shellpoint 's illegal charges have created an escrow shortage in my account which has significantly increased my mortgage payment. I have demanded a full refund and an explanation from Shellpoint in writing, and my demand has been denied on the grounds that the notices were mailed to an old address where I have not lived or received correspondence since XX/XX/XXXX. Shellpoint was well aware of my correct mailing address as they have sent me multiple statements starting with my first statement dated XX/XX/XXXX. Why they would choose to mail these notices to a different address that has been inactive for almost two years ago is beyond me. Shellpoint should have mailed all correspondence to the same address and should have resent all returned correspondence to the proper address. Shellpoint is violating my rights as a consumer by holding me responsible for their failure to properly notify me of their negligent mismanagement of my loan.

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 2026-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Dear Capital One Customer Relations Team, I am writing to formally raise a complaint regarding the closure of my credit card account and the forfeiture of my earned rewards shortly after I met the advertised sign-up bonus spending requirement.

Timeline and facts : I activated the card and completed the full minimum spending requirement within approximately 20 days.

The sign-up bonus miles posted after the spending requirement was met.

Shortly thereafter, my account was closed and the earned rewards ( XXXX miles ) were forfeited. 

The closure reason deemed as unusual shopping behaivor?? 

Legitimacy of transactions : All purchases were made legitimately, paid in full, and funded solely through my own bank account. While some transactions included gift card purchases made to meet the spending requirement, these transactions were lawful and were not prohibited or restricted by the cards published terms and conditions at the time of application or use. 

Consumer concern : From a consumer perspective, this experience appears unfair and misleading. I made substantial, legitimate purchases in reliance on Capital Ones advertised sign-up bonus. Only after the spending requirement was satisfied did Capital One close the account and confiscate the earned rewards, citing vague concerns regarding spending behavior that were never clearly disclosed in advance. 

This creates the appearance that customers are encouraged to spend in order to qualify for promotional rewards, only to later be penalized for behavior that was neither explicitly restricted nor clearly defined as unacceptable. Such practices undermine consumer trust and raise concerns regarding transparency and fair dealing.

Requested resolution : I respectfully request one of the following outcomes : Reinstatement of the forfeited rewards that were already earned under the advertised terms, or A written, detailed explanation identifying the specific terms, policies, or rules that were allegedly violated, including transaction-level justification for the account closure. 

If this matter can not be resolved promptly and fairly, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate consumer protection agencies. 

I look forward to your written response and a good-faith resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: CITIBANK, N.A.
State: MN

Complaint narrative:
Citi is refusing to correct a billing error involving duplicate balance transfer postings and a misapplied refund. 
The underlying merchant transaction was ruled in my favor by XXXX, and a full refund of {$440.00} was issued on XX/XX/year>. 
Citi later posted duplicate Transfer Balance Between charges and an unrelated partial credit of - {$100.00}, leaving an incorrect outstanding balance. 
Citi denied my dispute citing untimely contact, despite the billing errors occurring after the refund and well within the timeframe to dispute the incorrect postings. 
This is a billing error under the Fair Credit Billing Act, not a merchant dispute.

I am requesting correction of the account to reflect a net {$0.00} balance and removal of any negative credit reporting related to this error.

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 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
REVOCATION OF POWER OF ATTORNEY & TERMINATION OF XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone : ( XXXX ) XXXX To : Santander Consumer USA XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Revocation of Power of Attorney and Termination of XXXX XXXX XXXX Account XXXX XXXX XXXX VIN : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dealer : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX revoke any and all Powers of Attorney or agency authority granted or asserted in connection with the above vehicle or retail installment contract. This revocation applies to the dealer, Santander Consumer USA, title processors, XXXX agents, auction or storage agents, repossession agents, or any party claiming derivative authority. 
Effective immediately, no party is authorized to execute or submit title, XXXX, XXXX, abandonment, auction, remarketing, towing, or consignment actions on my behalf. No repapering, correction, transfer, disposal, or XXXX processing is authorized. 
Written confirmation requested within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 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: KY

Complaint narrative:
XXXX approved a refund related to the XXXX XXXX safety recall and stated that the refund would be sent to my PayPal account. I never received the funds in my PayPal account. 
If PayPal received the funds, they were not credited to my account. If PayPal did not receive the funds, then XXXX misrepresented that the refund was issued. Either way, the promised recall refund was not delivered. 
I have contacted both XXXX and PayPal multiple times and have not received a resolution. This has caused financial hardship and required repeated follow-up efforts. 
I am requesting that PayPal investigate whether any funds were received from XXXX related to this recall refund and either release the funds to me or provide written confirmation that no such payment was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/XXXX, I made a XXXX payment on my Carecredit/Synchrony account . I just got paid and had over {$7000.00} in my account. My goal was to pay down a balance and reduce promotional fees on my account. On or around XX/XX/XXXX I noticed the payment was never applied to my account. I called Synchrony and they said that the payment was on hold for another 6 days. There was no reason for the hold other than maybe there were too many payments, or a " large payment '' might be the reason for the hold. I explained that I have had this account for more than 10 years, had a perfect payment history and havent made too many payments. I asked the XXXX, XXXX XXXX, to run the payment immediately and she said she couldnt. Instead, she asked me if I wanted to request a credit increase, which I refused since I didnt want to add more debt to my account or take a hit to my credit score. I asked XXXX XXXX to refer me to the rule that I couldnt make a {$2000.00} payment without a hold being placed on the payment. I also asked what the limit is for large payments that would trigger a hold. There are no such rules. I noted that this was really a way to make money off of fees and accrued interest and I was going to file a complaint with Consumer Protection. As of today, I see the payment was returned on the XXXX ( the day I called ) even though there was always money in the account. They charged me {$30.00} for the return fee and added {$280.00} of accrued interest that would have been less had the payment been timely applied. This has to be illegal and likely a pattern and practice of ripping off consumers.

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