vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: IN

Complaint narrative:
Date : XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear XXXX XXXX XXXX This letter serves as a formal demand that you immediately cease and desist from the following actions : [ Clearly and concisely describe the behavior or actions at issue, including relevant dates, communications, or incidents. ] Your actions are unlawful and/or improper, and they interfere with my rights. Despite prior attempts to resolve this matter, the behavior has continued. 

You are hereby directed to : Immediately stop the above-described conduct ; Refrain from engaging in any similar or related actions in the future ; and Preserve all documents, communications, and records relating to this matter. 

Please be advised that failure to comply with this demand may result in further legal action, including but not limited to seeking injunctive relief, damages, and recovery of legal costs, without further notice to you. 

This letter is sent without prejudice to my rights and claims, all of which are expressly reserved. 

I expect your written confirmation of compliance by [ insert deadline, typically 714 days from the date of the letter ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
In XX/XX/year>, I traveled to the XXXX XXXX and paid {$840.00} for a hotel stay using my TD Bank card. When I arrived, the room provided was hazardous, unsanitary, and uninhabitable, including visible mold and unsafe environmental conditions. Due to the health risks, I was unable to stay in the room and was forced to sleep outside the hotel for my own safety. 
I immediately contacted the merchant to request a refund. The merchant refused to return my money and instead demanded my personal bank account information, even though I did not pay by bank transfer and did not authorize any refund through that method. This request was inappropriate, unsafe, and unrelated to the original payment method. 
I filed a dispute with TD Bank and submitted documentation, including evidence of the mold, the unsafe room conditions, and the merchants refusal to issue a proper refund. Despite this, TD Bank denied my dispute with the explanation that I authorized the transaction. This response does not address the actual issue : the merchant failed to provide the service as agreed, and the room was not safe, not usable, and not delivered in any acceptable condition. 
Under federal dispute rules, a cardholder is entitled to protection when a service is not provided, is defective, or is unsafe. TD Bank did not consider the evidence I provided, did not address the merchants refusal to issue a refund, and did not address the fact that the hotel room was uninhabitable. Instead, they focused only on whether I authorized the initial payment, which is not the basis of my claim. 
I am requesting a full and fair review of my dispute and a refund of the {$840.00} charge for a hotel stay that I could not safely use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
A debt collector, [ portfolio recovery ], contacted me regarding an alleged debt. I sent the agency a written dispute and cease-communication request pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act.

Despite receiving my request, the debt collector continued to contact me by [ phone calls/text messages/emails/workplace contact ] Under 15 U.S.C. 1692c ( c ), once a consumer requests that communication cease, a debt collector may only contact the consumer to confirm cessation of communication or to notify of specific legal action. The continued contacts were unauthorized and unlawful. 

Additionally, the debt collector has failed to provide proper validation of the alleged debt while continuing collection activity. 
I am requesting : Immediate cessation of all unlawful communications Written confirmation that the account is closed or returned to the original creditor Removal of this collection account from my credit reports Compliance with all applicable consumer protection laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
Following the migration of my XXXX XXXX account to Citizens Bank, I lost all access to my account. I was not provided with login credentials, a debit card, or any means to access my funds. Despite repeated attempts to resolve this directly with Citizens Bank via email and other contact channels, I received no response. 
From XX/XX/year> onwards, I repeatedly requested account access, issuance of a debit card, confirmation of account status, a full transaction and fee history, and instructions to close the account and return all funds held. None of these requests were answered. 
During this period, Citizens Bank continued to charge monthly account fees despite my complete inability to access or manage the account. I remain unable to log in, withdraw funds, or close the account, and have received no explanation for the ongoing charges. 
As of today, my funds remain inaccessible, the account remains open against my wishes, fees continue to be deducted, and Citizens Bank has failed to provide any meaningful response or resolution. 
I am requesting immediate access to my funds, reimbursement of all fees charged during the period of inaccessibility, and closure of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I tried to rent a zip car XX/XX/year> XXXX took my money but told me that somebody already had booked it fine fair enough Then they told me Ill get a refund XXXX to XXXX business days maybe seventh is at the most I called Chime a bunch of times than they said by the seventh day then they kept changing it and then they said I could take up to 30 days The fact is the ZIP Code doesnt have the money. Chime does their record recordings that they have or they promised me the money would be released. 

The fact is, this was a purchase that was never captured by the merchant It is just floating in the air, Chime is ultimately responsible for their poor customer services their lack of empathy and wanted to point the finger at everybody else I have paperwork from XXXX saying that they do not have it, but they do not have the funds I offered rhat to Chime and XXXX because I have paperwork from both of them saying they both dont have it. Neither XXXX of them are interested they want to point the finger out of the other person. 

This transaction is for {$110.00} Has caused me great financial hardship and mentally exhausting. We are almost a whole month in this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint to request verification of late-payment information being reported by Capital One regarding my account numbered XXXX. Capital One is reporting a late payment for XX/XX/2024, and I am requesting confirmation that this reported delinquency accurately aligns with Capital Ones internal payment records. I am specifically seeking clarification as to how the late-payment status was calculated in relation to the account balance, payment activity, and account status during the reporting period. This request is being made to ensure that the information furnished to consumer reporting agencies is complete, accurate, and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing a complaint regarding XXXX XXXX failure to process a valid refund on my XXXX XXXX XXXX XXXX, despite clear proof of return and repeated follow-ups. 

On XX/XX/year>, I returned a XXXX Insignia television in person to XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ). The item was originally purchased through XXXX and financed using an XXXX XXXX XXXX Card issued by Synchrony Bank. XXXX XXXX accepted the return and issued an official return receipt and return order confirming the refund amount of {$250.00}. 

XXXX XXXX advised that the refund would be completed within XXXX business days. However, more than XXXX month has passed, and Synchrony Bank has not credited my account. 

Since the return, I have : Called Synchrony Bank XXXX XXXX Opened disputes and claims through XXXX  online account management system Uploaded official XXXX XXXX return receipts and return order documentation Sent follow-up messages through Synchronys secure message center Each time, Synchrony representatives state that the refund can not be processed because XXXX XXXX has not refunded Synchrony yet and repeatedly advise that the refund should post within XXXX business days. This timeframe has been stated multiple times but has not been honored. 

Synchrony has not identified any issue with my documentation and has not provided proof that the refund was not transmitted by the merchant. Responsibility continues to be shifted between Synchrony and XXXX XXXX, while my account remains improperly charged for merchandise that was returned and accepted.

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 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I am filing this complaint against NewRez/Shellpoint for furnishing and/or verifying inaccurate late-payment information on my consumer credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). The account referenced ( Account XXXX. XXXX * * ) reflects alleged late payments for the periods XXXX and XXXX, yet NewRez/Shellpoint has failed to clearly substantiate how these delinquencies were calculated, whether they accurately reflect my actual payment history, or whether the account balance and status at the time justified the reporting of lateness. Reporting unverified or improperly calculated late payments constitutes inaccurate and misleading credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was involved in a data breach and my email, phone number ss number was all compromised and i sent a FTC to capital one regarding XXXX checking accounts that someone opened up with out my consent and capital one is holding me liable wrongfully. I have legal proof i never opened those XXXX checking accounts and capital one is falsely reporting these XXXX accounts to XXXX  and XXXX  when i sent them my legal proof FTC that i never opened these accounts. Capital one also sent me documents stating i am not liable however they are now changing their words and holding a innocent individual liable for the breach that i was involved in fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: SC

Complaint narrative:
Discover balance is too high. The balance is XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a business checking account with Capital One on XX/XX/XXXX, using a promotion code that offered a {$1000.00} bonus. The terms of the bonus clearly stated that I must maintain the minimum required end-of-day balance for at least 60 days during the first 90 days of account opening. I fully complied with this requirement : as of XX/XX/XXXX, my account balance exceeded {$30000.00} and has remained at or above that level ever since. 
However, on XX/XX/XXXX, I received a notice from Capital One that my account would be closed, with no prior warning or explanation. At this point, I had only 24 days remaining before qualifying for the {$1000.00} bonus. 
When I contacted Capital One customer service, I was told the closure was due to their not receiving the required Assumed Name document. However, I had already uploaded this document on XX/XX/XXXX through the secure link provided in XXXX Ones email. 
In order to get my money back in time, I closed that account today and got the check at the branch. I suspect that Capital One may be attempting to avoid paying the {$1000.00} promotional bonus. In addition, I am concerned about potential negative reporting to credit or banking reports such as XXXX XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Date of Transaction or Incident : XX/XX/year> Amount Involved ( if applicable ) : {$420.00} Method of Payment : Cashapp Debit Card Description of Complaint I am submitting this complaint to formally document an unresolved issue regarding the above-mentioned business. On the date listed, I experienced the following problem : I was explicitly informed by a customer service representative that this issue could be resolved by disputing the charge. Subsequently, I received an email contradicting that guidance, stating that the issue could not be resolved through a dispute. I was also advised that resolution would be delayed due to the need to contact and investigate the matter with the recipients bank. These conflicting instructions and delays have resulted in continued inconvenience and a lack of clarity regarding the status and handling of my case. 

I am writing to formally document and escalate an unresolved issue involving a misdirected payment sent through Cash App. 
On the date of the transaction XX/XX/year>, I mistakenly sent funds to the wrong recipient who shares the same name, XXXX XXXX. Upon realizing the error, I contacted Cash App immediately to report the incident and request a refund. 
Initially, I was informed by customer support that no action could be taken on Cash Apps part and that I would need to wait for the recipient to voluntarily return the funds. I followed this guidance, however, no refund was issued. 

During a subsequent call, a different customer service representative advised me that if I formally reported or disputed the transaction, the funds could potentially be recovered. Based on this information, I proceeded accordingly. Despite being given this assurance, I have not received any refund or resolution. 

I have since reached out multiple times, including attempts to escalate the matter to management. I am now being told definitively that I am unable to recover my funds. The conflicting information provided by your representatives, combined with the denial of all refund requests, has been extremely frustrating and has left this matter unresolved. 

Given that I reported the error promptly and followed all instructions provided by Cash App representatives, I am requesting a clear explanation for the denial of my refund and a formal review of my case. I expect consistent communication and accountability regarding the handling of this matter. 

I appreciate your prompt attention to this issue and look forward to a written response outlining the next steps. 

Despite my attempts to resolve this matter directly with the business, the issue remains unresolved. 

Steps Taken to Resolve the Issue Contacted customer service on : XX/XX/year> No satisfactory resolution has been provided to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint against JPMCB Card for continued and potentially inaccurate reporting of late-payment history on my credit file despite my lawful request for verification. JPMCB is reporting late payments on Account XXXX for the months of XXXX, Account XXXX for XXXX, and Account XXXX for XXXX without providing documentation demonstrating that these delinquencies accurately reflect their internal payment records, account balances, or billing status at the time of reporting. This failure to substantiate the alleged late payments violates the Fair Credit Reporting Acts requirements for accuracy and reasonable investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AR

Complaint narrative:
On XX/XX/year>, I reported unauthorized debit transactions totaling {$6900.00} on my Chime account. Chime denied my claim, stating no error occurred. 
I formally requested a reinvestigation and asked for all authorization documentation used in the denial, including CVV result codes, XXXX results, and transaction classification ( card-not-present / stored credential ), as allowed under Regulation E ( 12 CFR 1005 ). 
On a phone call with Chime, I was told the investigation could not be reopened unless I provided additional evidence. When I asked what evidence would be acceptable, none could be specified. Chime also refused to provide the documentation I requested, which is solely in their possession. 
Chime incorrectly asserted that the transactions could not have been approved if the CVV was wrong. CVV verification is optional for merchants, and transactions may be approved with CVV mismatch, bypass, or not present. Chime relied on this inaccurate assertion instead of reviewing authorization documentation. 
I am disputing their determination and refusal to reinvestigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX, while purchasing XXXX XXXX XXXX, I was presented with a targeted checkout offer for a XXXX XXXX XXXX XXXX XXXX a {$500.00} statement credit and 50,000 SkyMiles after spending {$3000.00}. I accepted the offer and opened the account. I fulfilled the {$3000.00} spending requirement by XX/XX/XXXX. 

When the rewards did not post, I contacted American Express on XX/XX/XXXX. During this initial contact, I was told I was ineligible because of an " ineligibility notice '' ( commonly known as a pop-up ) that they claimed was displayed and acknowledged during my application. I state with 100 % certainty that no such notice was displayed. I am a first-time XXXX cardmember and would not have proceeded with the application or the {$3000.00} spend had I been warned of ineligibility. Amex opened a formal investigation at that time ( Case ID : XXXX ) and promised a resolution in 68 weeks.

After waiting 16 weeks ( double the promised timeframe ) without any update, I followed up today, XX/XX/XXXX. During a chat with a supervisor ( XXXX, XXXX : XXXX ), the company 's story shifted. Instead of the alleged notification I was told about in XXXX, the supervisor now claimed the bonus was denied because their system showed a history of having this card before. 

This claim is factually false. I have never held an American Express XXXX XXXX  prior to this account. The fact that the company has provided two conflicting reasons for denialfirst an unproven notification, then a factually incorrect claim of prior card ownershipdemonstrates a lack of good faith and deceptive marketing practices.

American Express induced me to open an account and spend {$3000.00} under false pretenses and has failed to resolve a documented dispute for over four months. I am requesting the immediate credit of the {$500.00} rebate and 50,000 SkyMiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I had a credit card with American Express they lowered my credit limit and my monthly payments were unaffordable. I had never missed a payment before they lowered my credit limit increasing my payments. I asked them to lower the interest and they refused. They sued me, I was laid off from my job. I will lose my house if they get a court order for repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
" This item was investigated by [ XXXX  ] and deleted as unverifiable. I have attached the proof of deletion. Please remove this from my file to ensure accuracy under the FCRA. ''

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 2026-01-07 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: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX did not do there job by notifying them company after I sent numerous of dispute letters cease-and desist and debt validation that was not solved I asked for assignment contract/ original assignment/ Flow agreement / transfer assignment/ Bill of sale. I sent letters out XXXX and XXXX they called and threatening & demand me to pay {$360.00} or it will stay on my credit for damages I did not have a contract with these people

Company response to consumer: Closed with explanation