vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In early XX/XX/year>, I enrolled in a promotional Chase Offer on my Chase Freedom Flex credit card through my Chase online account under Chase Offers section. The offer stated that I would receive a {$100.00} statement credit after making a {$600.00} or more online purchase through the Chase Travel portal by XX/XX/year>. After I added the offer, it appeared under my Added Offers section, confirming successful enrollment. 

On XX/XX/year>, I made an airline ticket purchase totaling over {$1300.00} through the Chase Travel portal. This transaction met all stated conditions of the promotional offer. I relied on Chases published offer terms when deciding to complete this purchase through Chase Travel. 

When my XXXX credit card statement was generated, the {$100.00} statement credit was not issued. Additionally, this Chase offer has suddenly disappeared from my Chase Offers section, despite having been previously enrolled. This indicates a possible internal tracking or system error on Chases side.

I have contacted Chase customer service regarding this matter, but the issue has not been resolved and the promotional statement credit has not been posted yet. 
Financial Harm : I completed a qualifying {$1300.00} purchase via Chase Travel portal specifically in order to obtain the advertised {$100.00} promotional statement credit. Chases failure to honor the promotion has caused direct financial harm in the amount of {$100.00}.

Requested Resolution : I request that Chase Honor the published Chase offer and issue the {$100.00} statement credit to my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
I had an appointment scheduled for my pet XXXX on XX/XX/XXXX, at their XXXX XXXX  location. When I booked the appointment on their website on XX/XX/XXXX, they recommended signing up for their wellness plan to simplify the process during the actual appointment. On XX/XX/XXXX, I received a phone call from the managers informing me that my appointment was being cancelled because they could not see my pet at that location.They then advised me to visit their XXXX  office instead. XXXX  did not have immediate availability so I went somewhere else entirely as it was urgent. This cancellation was initiated by XXXX, not by me. 
During that phone call, I was explicitly informed that my card would be refunded for the amounts already paid, totaling {$170.00} ( {$120.00} for the wellness plan and {$50.00} for the pet wellness plan set up fees ). Despite this assurance, I never received the refund. 
Since then, I have made multiple phone calls to the manager and XXXX  regarding this matter. Each time, I was given promises that the refund would be processed, but no refund has been issued to date. These repeated failures to follow through are unacceptable. 
To make matters worse they have now billed me for the entire Wellness package for the year of {$1400.00} ; for services NEVER rendered!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I am filing a complaint regarding the closure of my Apple Card account issued by Goldman Sachs Bank USA. 

I opened my Apple Card approximately four years ago and have maintained excellent payment history throughout the life of the account. I have strong credit and have always paid on time. 

In XX/XX/XXXX, I added my XXXX son as a co-owner to my Apple Card account solely so we could use Apple Pay for transportation while traveling internationally in XXXX. At no point did I intend for him to manage or make account-level decisions. 

On XX/XX/XXXX I received an email stating that my Apple Card account had been closed by a co-owner. I immediately contacted Apple/Goldman Sachs within less than one hour of receiving the notification. I was informed that my son had accidentally closed the account while attempting to set up Apple Cash and did not understand the action he was taking. 

Despite promptly contacting customer service, explaining the accidental nature of the closure, and opening a case immediately, I was told that the account could not be reopened. I contacted customer service again the following day and was again denied reinstatement. 

Acting in good faith, I made a {$100.00} payment toward the remaining balance of approximately {$300.00} on the same day the account was closed. I remain fully willing and able to pay the balance in full. 

I am requesting a formal review of this situation by Goldman Sachs. Given my long-standing positive account history, immediate attempt to reverse the closure, and the fact that the closure was accidental by a young co-owner with limited understanding of the consequences, I respectfully request that the account be reinstated or that I be offered a comparable replacement account without penalty. 

At a minimum, I request written confirmation that this account closure will not negatively impact my credit report and that my prior positive payment history will be accurately reported.

Thank you for your attention to this Matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK
State: WI

Complaint narrative:
I received a phone call from discover credit card, asking if I opened up a credit card. I said No and she asked me verify my address. It didnt match the one on the application. I asked for that address and she said No all she could do was send me this letter and said call my local police department, she also said it would go from a hard inquiry to a soft inquiry. I asked for no inquiry as I didnt open it up but she said Id have to call the credit bureau.so much work for something I didnt do wrong

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding MoneyGrams handling of a fraudulent transaction involving impersonation and their failure to provide meaningful assistance after the fraud was reported. 
On XX/XX/year>, I sent {$2000.00} through MoneyGram to an individual who was impersonating a licensed plastic surgeon. This person falsely claimed to be a medical professional and used this false identity to induce me into sending money under fraudulent pretenses.

Once I discovered that this individual was not a legitimate plastic surgeon, I immediately took action. I contacted MoneyGram to report the transaction as fraud, and I also promptly notified my bank to report the scam and seek assistance. Despite these immediate efforts, MoneyGram informed me that there was nothing they could do because the transact
ion had already been initiated.

Given the seriousness of this fraud including the impersonation of a medical professional I believe MoneyGram failed to take reasonable steps to protect me as a consumer or to adequately investigate and respond to my fraud report. I acted in good faith and as quickly as possible to mitigate the loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
Received a email from my XXXX XXXX XXXX, Mohela, that my account was delinquent and past due. I went to the website and authorized a payment, received confirmation and moved on. After not checking my email for a few weeks I noticed another delinquent payment email. At this point I called Mohela to resolve the issue as my account was over 100 days past due. The representative had no explanation for why my auto payments stopped working. I authorized a payment over the phone for the total amount past due and received a confirmation email. The representative told me I would be all set until XX/XX/year>. I checked my email today to see the account is still past due. At this point it seems they are purposely not receiving my payment to acquire more interest from my account. Upon looking online, there is a large number of people having the same issue with this company. My credit has dropped over XXXX points and with seemingly no way to pay them I am in a unfixable financial predicament.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I purchased a gift-card using rewards points through the Capitol One Shopping platform. When I went to redeem the gift-card I was informed through the merchant, XXXX that the card had no monetary value on it. XXXX informed me to contact Capitol One directly to be issued a new gift card. Capitol One Shopping then informed me that they handle all their gift-card purchases with a third party vendor called XXXX XXXX. I contact XXXX, and they informed me that I must contact XXXX because they said it must be an issue on their end. I went through a few more rounds of contacting Capitol One, XXXX and XXXX to no avail. No resolution to my issue, no return of points, and no other options have been presented to rectify the situation. 
At this point, I am convinced that there must be some sort of scam being run with Capitol One Shopping and XXXX gift-cards in which the gift cards that consumers can redeem actually have no money on them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
i have dispute this account with XXXX XXXX XXXX XXXX that i have no known knowledge this account with a company called national credit adjusters in the amount of XXXX i have no knowledge of this company no do i have any knowledge who they represent the account was suppose to have been opened XXXX XXXX XXXX  which i have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
To Whom It May Concern, I am providing an update related to my ongoing CFPB complaint against Bank of America. 

On [ XX/XX/year> at XXXX ], a Bank of America representative contacted me stating the purpose of the call was a follow-up related to the CFPB inquiry. During this call, the representative confirmed that a credit was issued to my account in XX/XX/year>. I acknowledged receipt of that credit. 

However, I made clear that the credit does not resolve the broader issues raised in my complaint, including false accusations made against me regarding account handling, misrepresentations of Bank of Americas capabilities and obligations, and the resulting harm caused by those actions.

When I asked what Bank of America intended to do to address these additional issues, I was told that they do not provide compensation. I advised the representative that the reason this matter is before the CFPB is due to repeated misstatements and a failure to properly address the full scope of the dispute, and that I would be pursuing resolution through the appropriate channels.

I remained professional and respectful throughout the call and explicitly stated that my concern is with Bank of Americas actions and representations, not the individual representative. 

Please include this communication as part of the record for my complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX 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 monetary relief
Consumer complaint received 2026-01-14 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: TransferWise Ltd
State: FL

Complaint narrative:
Wise is holding XXXX TRY that belongs to me and has failed to complete the transfer of these funds into my Wise account as instructed. I explicitly requested that the funds be credited to my Wise account in Turkish Lira ( TRY ). 

Wise confirmed in writing that the funds would be credited on Friday. That commitment was not honored. Several days have passed since the promised date, and the funds have not been transferred to my account and remain under Wises control without a valid explanation. 

I have contacted Wise multiple times by email and phone requesting confirmation, a clear reason for the delay, and completion of the transfer. Wise has provided only generic responses and has failed to complete the transfer or provide a concrete resolution. 

There is no dispute or unauthorized activity involved. I am requesting immediate completion of the transfer of the full XXXX TRY to my Wise account and written confirmation that the issue has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Allied Enrollment Centers LLC
State: PA

Complaint narrative:
When I contacted the company, it was misleading and was acting as a loan provider for XXXX XXXX XXXX. The company used the same dialogue, aligning itself with the same pattern of questions as the federal student loan program. I shared critical information, i.e., social security number, mother 's name and phone number, and sibling 's name and phone number. I also signed and recorded a message confirming my agreement to the terms and conditions. The red flag occurred at the very end, when they sent an email with a claim number and stated that if XXXX contacted me, I should contact them immediately. 
I soon realized my grave mistake and reached out to XXXX XXXX XXXX, which confirmed it was fraudulent activity. I would like to see this site taken down so it does not appear as the first result in XXXX search. I have documented and saved emails and names and taken the necessary steps to avoid identity theft. I feel vulnerable and unsettled that this company exploited a situation to engage in illegal activity. I am filled with regret for trusting XXXX, as they easily fooled me into believing I qualified for a Loan Forgiveness Plan and have now obtained personal information that could lead to a security breach affecting my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fairway Capital Recovery, LLC
State: OH

Complaint narrative:
Account FAIRWAY CAPITAL RECOVERY LLC I'm unaware of this debt and did not have the opportunity to dispute this account if you believe you sent proper notification please provide 'Certified Mail ' with receipt displaying my signature. If not please delete account number soon as possible from my report or I will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On Monday XX/XX/year> I purchased a service from two brothers title company and it turns out they have been hacked and tried scamming me for even more money so I asked for a refund for incomplete purchase and they denied that request and the transaction is still pending on Cash App and I informed Cash App and they said it can take up too 45 days and have done nothing, I have screen recordings of everything and I cant even upload them to Cash App because its to large of a file and theres not a superior I can talk to or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
They denied my claim for fraud charges and then reopened claim for wrong issue and now refuse to further help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I receive to calls several times throughout out the day and e-mails ever since I filed my last report. Its disruptive to my job. And its not good for my mental health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company is violating my rights by failing to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my credit report recently. Im feeling stressed because they are not following the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MI

Complaint narrative:
Cash App take money from my bank account without my request. And now the money isnt there.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: CA

Complaint narrative:
I am submitting this complaint regarding Capital One Bank ( USA ), N.A.s failure to provide the governing cardholder agreement and dispute resolution terms applicable to my account.

I initiated a formal dispute and attempted to proceed under arbitration. Capital One failed to identify or provide the arbitration provision or governing agreement applicable to my account at the time of dispute.

Multiple versions of Capital One cardholder agreements were reviewed, including documents provided by Capital One. None clearly identify the arbitration forum or dispute resolution terms applicable to my account. Capital Ones failure to disclose the governing agreement obstructed my ability to exercise contractual dispute resolution rights.

Because Capital One did not identify a named arbitration authority or provide a governing arbitration clause, an arbitration filing was administratively closed due to lack of authority designation.

Capital One benefits from this ambiguity while denying the consumer access to dispute resolution.

I am requesting that Capital One Bank ( USA ), N.A. be required to : 1. Produce the complete and governing cardholder agreement applicable to my account at the time of dispute, including all arbitration provisions and incorporated documents.

2. Identify the arbitration forum relied upon, if any, for consumer disputes.

3. Explain why arbitration provisions are withheld or obscured while being relied upon to limit consumer remedies. 

This conduct constitutes bad-faith dispute handling and procedural obstruction. I am requesting CFPB review and intervention to compel disclosure of the governing agreement and dispute resolution terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Progressive Insurance, through their debt collector Caine & Weiner, attempted to collect a debt from me in the amount of {$340.00}. I believe this balance is incorrect. Despite several requests for debt validation, neither Progressive nor Caine & Weiner provided proper documentation or verification of this debt. I am requesting that this account be investigated, corrected, and removed from my credit report if it can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2025, the District Court of Maryland for XXXX XXXX entered a signed Order for Termination of Garnishment ( Property Other Than Wages ) naming Navy Federal Credit Union as garnishee. The writ of garnishment was terminated and dismissed by court order. 

The order was electronically filed with the court and includes a Certificate of Service on Navy Federal Credit Union XXXX XXXX XXXX. I also personally obtained certified copies from the court clerk and delivered them to Navy Federal via email. 

Despite the termination of the garnishment, Navy Federal continues to restrain my joint account. I have contacted Navy Federal repeatedly and have been told only that the matter is being worked, without being provided a case or reference number, timeline, or explanation for the continued hold. 

This continued restraint is causing immediate financial harm. I am now nearly two months behind on my mortgage and unable to pay other essential household expenses, including food and utilities. 

Navy Federal has no legal authority to continue restraining my account after termination of the writ. I am requesting immediate release of the account and written confirmation of compliance with the court order.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation