vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
To Capital One Customer Relations, I am writing to formally escalate a significant unresolved issue involving the advertised XXXX shopping portal offer ( XXXX miles ) on both my XXXX and XXXX XXXX cards. On XX/XX/year>, I made a purchase exceeding {$11000.00} at XXXX after initiating the transaction through the Capital One Offers portal at XXXX, as clearly shown in the attached screenshots. The offer was active and displayed as eligible on both cards at the time of purchase. I followed all required steps I clicked through the portal, had no ad blockers or cash-back extensions active, and completed the purchase directly on XXXX website. Despite doing everything correctly, the offer failed to register on both cards. When I contacted customer service, I was told that the support team can only offer basic troubleshooting ( browser resets, ad blocker checks ) and has no capability to manually apply or honor the offer even with documented proof of eligibility and intent. This is unacceptable for the following reasons : XXXX. Both the XXXX and XXXX XXXX are premium cards with significant annual fees ( {$95.00} and {$390.00} respectively ). Cardholders are entitled to the advertised benefits. XXXX. The offer was clearly active and I have screenshot evidence of eligibility at the time of purchase. XXXX. A $ XXXX transaction represents substantial spend, and the miles owed under the offer are material. XXXX. Being told that Capital One has no mechanism to honor a failed offer that was properly activated despite clear evidence is not an acceptable resolution. I am requesting the following : Manual application of the XXXX miles bonus on this XXXX purchase across both cards Written confirmation of the resolution An explanation of why the portal tracking failed If this is not resolved satisfactorily, I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau, and will consider this matter when evaluating my continued use of Capital One products. Please escalate this to a supervisor or the appropriate resolutions team. Sincerely, [ Your Name ] Account ending in : [ XXXX ] ( XXXX ) Account ending in : [ XXXX ] ( XXXX XXXX ) Date of purchase : XX/XX/year> Merchant : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: OR

Complaint narrative:
I use a CashApp card for all my XXXX XXXX transactions. On XX/XX/year>, I was doing a XXXX search a link to a site called XXXX upon opening that site in my XXXX browser without taking any action a fraudulent probe charge of {$0.00} was processed against XXXX XXXX, which was put through onto my Cash app card I immediately blocked the website on the CashApp application on my phone, several hours later {$29.00} fraudulent charge. This morning at XXXXXXXX XXXX XXXXXXXX an additional fraudulent charge was attempted to processed for {$19.00} This was denied automatically by the CashApp card issuer. I have never done any business with this website, nor did I authorize any charges, I have reported this to the issuer, and be issued case XXXX XXXXXXXX. The website involved is XXXX, which identifies itself as being operated by XXXX XXXX XXXX XXXX. According to the websites own legal and contact information, the listed business address is XXXX XXXX XXXX XXXX XXXX, XXXX, Wyoming XXXX, United States. The company also lists registration number XXXX and uses the contact email address XXXX. Domain and reputation research indicates the website is registered through XXXX XXXX XXXX Research also shows that the same company name and/or Wyoming registration address appears associated with multiple similar subscription-style websites, suggesting a broader network of related operations. The website advertises recurring subscription billing services, including language describing recurring charges of approximately {$29.00} every 28 days after a promotional or trial period. The structure and billing behavior raise concerns regarding deceptive subscription enrollment and unauthorized recurring transaction practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Timeline of Events : XX/XX/year> : I opened and began actively using my Quicksilver account in good standing. XX/XX/year> : My new SavorOne card was delivered. Because the account was brand new, a first statement had not yet generated, and no minimum payment was due. XX/XX/year> : I made a valid payment of {$280.00} toward my Quicksilver balance. The funds were fully available in my checking account. The Capital One system processed the payment, decreased my balance, and successfully updated my available credit. XX/XX/year> : After noticing a potential duplicate posting in my online history, I contacted Capital One customer service to ensure an error had not occurred. Representatives assured me it was not a duplicate. The Issue : Immediately following this inquiry, Capital One abruptly restricted and closed both of my accounts. Customer service cited " potential fraud or irregular usage. '' However, representatives refused to provide any specific details or actionable reasons for this determination. Furthermore, this restriction was applied to my SavorOne account, which was completely new and had zero payment history to evaluate. Compounding this inconsistency, I have only received a notice regarding the potential closure of the SavorOne account. I have received no correspondence, justification, or notice regarding the status of the Quicksilver account, despite it being the only card with payment activity. When I requested to escalate this matter to a supervisor, my requests were repeatedly denied. The support staff relied entirely on scripted responses and offered no path to verification. As a compliant customer who has acted in good faith, I request a comprehensive review of this decision by a senior manager, clear disclosure of the alleged " irregularity, '' and the immediate reinstatement of both accounts. I was only given the advice to " reapply for a new card '' and when I did so, of course I was denied, as I now have two closed accounts for zero reason. None of my payments were missed consecutive either. I am just at a loss for words.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: FL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
Sunday XX/XX/year>XXXX at XXXX XXXX I received a text from SoFi : Hi from SoFi. Just checking-did you spend {$150.00} at XXXX XXXX XXXXXXXX, TX? Reply YES or N O within 1 hour, or verify the transaction in the SoFi app or website. I responded No. At the time, I was in bed at my ho me in XXXX Massachusetts. The next day I got a coffee at XXXX in XXXX Massachusetts and disputed the transaction. It was denied stating that I was in Texas the night previous. I appealed a second time and was denied again. With the same reasoning. A SoFi representative recommended I appealed for a third time. Which I have done. The card is virtual and stored on the cardholder 's phone, the cardholder maintains possession of the phone and did not indicate their phone was stolen/compromised. THIS TRUE. HOWEVER- MYSELF, MY PHONE, and DEBIT CARD WERE IN MY POSSESSION IN MASSACHUSETTS The transaction ( s ) was made with a authenticated mobile device. NOT MY DEVICE. I ASKED FOR PROOF OF EVIDENCE AND WAS DENIED. The transaction ( s ) was approved using biometric authentication and/or an established passcode previously set on the registered device. NOT MY BIOMETRICS. NOT MY PASSCODE. I ASKED FOR PROOF OF BOTH AND WAS DENIED. The card is in your possession and there is no other fraudulent activity on the account around the time of the disputed transaction ( s ). IN MY POSSESSION IN MASSACHUSETTS. THANKFULLY, THIS IS THE ONE AND ONLY FRAUDULENT CHARGE. A PIN was used to authorize the transaction. You indicated that you secure the PIN in memory and do not share it with third parties. CORRECT. SO THE FACT THAT SOMEONE USED IT FOR A PURCHASE IS FRAUD. The transaction ( s ) are consistent with previous activity on the account I HAVE NOT ONCE BEEN TO TEXAS. I HAVE NOT ONCE MADE A PURCHASE FROM XXXX XXXX. I DONT EVEN KNOW WHERE A XXXX XXXX IS NEAR ME.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I am not disputing the accuracy of the late payments reported by Toyota XXXX XXXX. My request was strictly for a goodwill adjustment based on my improved payment history and circumstances. I brought the account current, paid the fee to move my due date, and have maintained perfect ontime payments on autopay since XX/XX/year>. I explained this to Toyota and requested a goodwill review because I am currently in the process of applying for a mortgage, and the late payments are significantly impacting my ability to qualify. Toyota initially responded with a template stating they must report accurately, which does not apply to goodwill adjustments. Goodwill adjustments are voluntary and do not violate the FCRA. I clarified this in a followup message and asked for escalation. Toyota then responded that a member of management reviewed my request and denied it, again without addressing my payment history, my mortgage hardship, or the basis of my goodwill request. Their response did not reflect a meaningful review of my circumstances. I am requesting CFPB assistance because Toyotas internal review process did not consider the information I provided and did not address the actual nature of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a balance transfer promotion With 0 % apr for 15 months from date transder issued, But it failed to indicate the promotion ends in XX/XX/XXXX. After I made the balance transfer with {$29000.00} on XX/XX/XXXX, CaptitalOne told me now that he promotion ends in XX/XX/XXXX, and they modified online balance transfer promotion description as well. I paid {$870.00} ( 3 % ) transfer already. The bank failed to clarify this is out of date promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: IN

Complaint narrative:
On XX/XX/year>, I accidentally accessed a phishing website while attempting to check my gift card balance. Immediately after, an unauthorized transaction of {$450.00} was made at XXXX. I did not authorize this purchase. I submitted all required documentation to Blackhawk Network the same day, including a signed Cardholder Dispute Form and proof of identity ( Case XXXX XXXXXXXX ). It has now been 90 days with no resolution. Every Thursday I receive the same automated template email stating the case is " still in progress. '' I have received no substantive update. Additionally, my replacement card balance was only {$29.00}, not the expected {$48.00} ( {$500.00} minus {$450.00} ). There is an additional {$19.00} missing that I never authorized, bringing the total unauthorized amount to {$470.00}. Despite 90 days of waiting and multiple follow-up emails, Blackhawk Network has failed to resolve this dispute or provide any meaningful explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX refusal to provide a meaningful reconsideration review following the denial of my recent credit card application. After receiving the adverse action notice, I contacted XXXX XXXX credit department to request a manual reconsideration of the decision because several of the stated reasons appeared inconsistent with my current relationship with the bank. Specifically, the denial referenced overdrafts on my Wells Fargo checking account. However, the overdraft fees associated with those events were later reversed and corrected by Wells Fargo. Because the bank itself determined that those fees should be refunded, I requested that Wells Fargo reconsider whether those events should continue to negatively impact my internal relationship assessment. The denial also referenced low account balances. However, my most recent Wells Fargo account statement closed with a balance exceeding {$17000.00}, and I have maintained an active banking relationship with Wells Fargo since 2023. When I contacted Wells Fargo to discuss these concerns, I requested a manual reconsideration review and asked whether my application could be escalated to a supervisor or a higher-level review team. I was informed that a reconsideration was not warranted and that no further review would be performed. My complaint is not that Wells Fargo denied my application. Financial institutions have the right to make lending decisions. My concern is that Wells Fargo refused to conduct a meaningful reconsideration review after I identified information that may not accurately reflect my current banking relationship and account history. I am requesting that Wells Fargo review whether the adverse action decision relied on outdated, incomplete, or improperly weighted internal relationship information and confirm whether a manual reconsideration process is available in situations where an applicant identifies potentially inaccurate decision factors. I believe a fair review of my current relationship with Wells Fargo, including my corrected overdraft history and current account balances, is warranted.

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 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
Business account at First National Bank of Omaha, where our business checks were stolen from our mailbox. Then a few checks were created and illegally forged signature were used to cash to separate transactions. XXXX for {$6500.00} on XX/XX/XXXX and XXXX for {$5000.00} on XXXX. The bank even alerted us about this and they were able to reimburse XXXX transaction for {$6500.00}, however they refuse to do the {$5000.00} transaction. After a few months passed by, the authorities were able to locate the two fraudsters and a case that proceeded in XXXX, XXXX. Case Number : XXXX USM Number : XXXX The defendants were found guilty of the following : Title & Section & Nature of Offense Offense Ended Count XXXX ( XXXX ) BANK FRAUD XX/XX/XXXXXXXX VI XXXX ( a ) ( XXXX ) and XXXX AGGRAVATED IDENTITY THEFT XX/XX/XXXX XXXX XXXX XXXX XXXX POSSESSION OF STOLEN MAIL XX/XX/XXXX XXXX First National Bank is refusing to cooperate with us to finding a resolution.

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 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I previously filed a CFPB complaint regarding Midland Credit Management placing bankruptcy-related restrictions on my account and refusing to assist me through chat. In Midlands CFPB response dated XX/XX/year>, Midland explicitly stated that the restrictions had been removed from my account because no bankruptcy or attorney information had been provided. Despite that representation, I recently contacted Midland again through chat to discuss hardship settlement options for the account due to loss of employment and financial hardship. During the chat, representatives repeatedly stated they had limited access to my account due to restrictions and could not assist me. I was transferred between representatives and a manager, and ultimately told that only a separate XXXX department could handle my account. After waiting for a XXXX and transfer, I was then told that the XXXX department was unavailable because the chat support center handling the interaction was located in XXXX. This directly contradicted Midlands prior CFPB response stating the restrictions had already been removed. I repeatedly requested clarification regarding XXXX XXXX whether restrictions still exist on the account, XXXX why Midland previously stated they were removed, - and why I continue being denied meaningful assistance through chat. I also explained multiple times that I do not have reliable phone access or a stable mailing address and requested accessible written communication through chat or email. Midland continued directing me to phone and mail communication despite those circumstances. I attempted in good faith to resolve the account and offered a hardship settlement due to financial hardship. However, Midland failed to provide clear information regarding the account status, failed to explain the contradictory statements, and continued restricting meaningful assistance despite prior representations made to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I noticed my JPMCB Card account ( XXXX XXXXXXXX ) shows a balance of {$3200.00} against a credit limit of {$2500.00}, resulting in negative available credit of - {$710.00} on my XXXX file. A highest balance of {$6200.00} is also reported {$3700.00} above the credit limit. I contacted Chase and received a written response dated XX/XX/year> confirming those figures but no billing documentation explaining how they were generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
This is in regards to a previously filed CFPB claim : XXXX PNC Bank caused or contributed to a vehicle title/lien issue during my XX/XX/XXXX refinance from PNC Bank to XXXX XXXX XXXX XXXX XXXX Vehicle : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX During the refinance/title process, PNC mistakenly sent title/lien paperwork to XXXX XXXX even though XXXX has no financial interest in my vehicle. The California DMV has now placed my vehicle in Prior Suspense status. DMV rejected XXXX Letter of No Interest and now requires a lien release from XXXX specifically. XXXX is refusing to cooperate and will not provide the XXXXMV-required lien release . This issue is still unresolved and has not been properly handled by PNC, even though PNCs title/lien processing error created or contributed to the problem. Because XXXX is refusing to cooperate, PNC needs to take responsibility, figure out how to correct the title chain, and resolve the issue directly with XXXX, XXXX XXXX, and the California DMV. Because of this title issue, I can not register or legally operate my vehicle, even though I am still making payments to XXXX XXXX XXXX XXXX and paying insurance on a vehicle I can not use. I have also been paying about {$40.00} per day for a rental vehicle since XX/XX/XXXX. I am requesting that PNC immediately investigate and correct the title/lien processing error, contact XXXX and XXXX XXXX directly, and provide any corrected documentation needed to clear the DMV Prior Suspense status. Essentially PNC needs to fix this and it's unacceptable for them to just drop the issue they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Az XXXX XX/XX/year> Midland Credit Attn : Consumer Support Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Subject : Cease and Desist Communication Request To Whom It May Concern : I am writing regarding the alleged debt referenced under account number [ Account Number ]. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), I hereby request that you cease all communication with me regarding this matter, except as permitted by law. This includes phone calls, text messages, emails, and written correspondence, other than notice of specific legal action or confirmation that collection efforts are being terminated. Additionally, I request that any future communication be made only in writing to the mailing address listed above. This letter is not an acknowledgment or acceptance of the debt, nor is it a waiver of any rights I may have under federal or state law. Please govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
Debt amount is incorrect also not me please provide the original lease and breakdown of fees. Im saying its an incorrect amount because that debt isnt mine and therefore should be XXXX.

Company response to consumer: Untimely response