vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Approximately 3.5 months ago, my mobile device and subsequently, my online banking profile, were both taken over by an identity thief. 

The thief opened a new credit card, added it to a digital wallet, and proceeded to make numerous fraudulent transactions. To avoid being restricted by a credit line, the thief continually transferred funds from my existing checking account to pay each transaction. 

In total, the thief transferred five figures worth of value, across multiple online banking profiles. However, whereas the other bank ( s ) automatically detected, froze, and/or reversed the fraud, Chase took no action until I appeared in person to a retail branch and began the dispute process.

After 2.5 months of near-weekly in-person visits and calls, I received confirmation in writing from Chase that, as expected, I was NOT RESPONSIBLE for the credit card opened and used to initiate the original fraudulent transactions. 

HOWEVER, when attempting to use this proof toward a refund, Chase demonstrated no regard for wanting to assist in the recovery process. Despite having my branch manager assist, the credit department insisted that I take my business to checking, who in turn insisted that I take my business to credit, so on and so on.

At this time we have exhausted the list of new departments we have been forwarded to, with none willing to take ownership or even demonstrate commonsense customer care. I have followed every standard procedure and despite promises from Chase over the months that I would receive timely callbacks from support agents, I never have. 

Provided the complete and utter failure from Chase to treat my post-innocence claims with any dignity or respect, I see no other recourse than to pursue all external options available to me. This includes escalating to governmental agencies, news media, social media, and even legal authorities. Until such time that Chase responds with something other than, file another claim, I see no reason why it should not be made known how meaningless Chase 's reputation is in the face of malicious identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-15 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: OH

Complaint narrative:
Ordered ticket on XXXX. Didn't receive ticket on XXXX XXXX date. Contacted XXXX  to refund amount charged. Was denied, no refunds for any reason. Filed dispute with Citi credit card XXXX goods not received. Citi denied my request on XXXX after XXXX waited almost XXXX days to respond to them with generic " no refunds for any reason '' to run my rights time limit out. Citi then at this point allowed me to respond through writing emailed on XXXX with proof of goods not received. XXXX Citi closed my case stating no recourse due to time frame. However I first responded on XXXX and was told to simply click dispute on my online statement. I considered this my written dispute within the first XXXX days based on XXXX proffered methods.

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 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
This account is the result of identity theft and was not opened or authorized by me. You are reporting false and inaccurate information in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

I demand immediate deletion of this account and written proof of validation, including the original signed contract, application, and proof of my authorization. Failure to comply will result in formal complaints filed with the CFPB, FTC, and State Attorney General, and I will pursue civil litigation for damages, attorney fees, and statutory penalties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 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: DISCOVER BANK
State: PA

Complaint narrative:
I am disputing a {$5700.00} balance with Discover Bank. Discover is acting in bad faith by suppressing exonerating evidence, specifically recorded phone conversations and transcripts I requested over 45 days ago. Additionally, Discover is failing to accurately report my monthly payments of approximately {$250.00} ( totaling over {$3000.00} in the last year ), causing multiple financing denials. Despite these consistent payments and an active dispute, Discover is using an 'Attorney Referral ' threat for XX/XX/year> to extort a settlement for a debt they refuse to substantiate. I demand an immediate stay on all collection activity and the release of my conversation records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I bank with Mountain America XXXX XXXX and I have three transactions on my account that were fraudulent charges caused by a scam I got involved with over XXXX. My banks fraud department did a credit adjustment but then after the investigation they reversed the credit adjustment and now I am in the hole. I believe my banks fraud department is not doing there job or being lazy and not doing a full investigation on the fraudulent charges. I gave them proof that these were fraudulent charges and they will not listen to me. I want a investigation done on Mountain America XXXX XXXX XXXX fraud department to make sure they are doing there job properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: MO

Complaint narrative:
I was promised a loan up to XXXX when I filed with XXXX XXXX  I never received it. They won't answer any emails or give me any info a t all. They say there is no record of it. Very poor very XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
The deck collector trying to collect money that I do not have any recognition of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
Hello, I have been trying to contact Rubin and Rothman LLC regarding a debt that I would like to resolve, I called them and they hung up on me three times, I have also been emailing asking if they could help me and have noted that when I asked to speak to someone about settling/resolving my debt I was hung up on. I have not been able to get through to anyone which is alarming because they are trying to sue me, I'd expect them to want to work with me to give them my money.

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 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Meta Payments Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding Meta Pay ( XXXX XXXX Payments ) and XXXX XXXX XXXX XXXX failure to resolve a persistent payment functionality issue despite months of documented support attempts. 

Since XX/XX/year>, I have been unable to send payments using XXXX XXXX through XXXX XXXX. Every attempt to send money results in an error message. No transaction attempt appears in my account history. However, I am still able to receive payments. 

This issue has persisted for several months. 

I have taken the following steps : - Contacted Meta Payments Support multiple times - Opened numerous support cases ( including Case XXXX and others ) - Provided screenshots and a screen recording of the failed payment attempt - Removed and re-added my debit card multiple times- Confirmed my debit card and billing ZIP code are correct - Set my debit card as the default payment method repeatedly - Updated the XXXX XXXX to the most current version - Used an XXXX XXXX XXXX XXXX with the latest XXXXXXXX XXXX - Voluntarily completed identity verification, although it was not requested XXXX support representatives repeatedly stated that the issue had been escalated for further review, but no resolution, explanation, or timeline has ever been provided. In multiple cases, representatives stopped responding entirely after stating they were investigating. 

No account restriction, compliance review, or policy violation has ever been disclosed to me. 

As a result, XXXXXXXX XXXX  payment-sending functionality has been unusable for months, rendering the service partially nonfunctional and unreliable. 

This appears to be either : - An undisclosed account restriction, or - A technical failure that XXXX has not investigated or resolved I am requesting formal review and written clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, I have been trying to contact XXXXXXXX XXXX XXXX XXXXXXXX regarding a debt that I would like to resolve, I called them and they hung up on me three times, I have also been emailing asking if they could help me and have noted that when I asked to speak to someone about settling/resolving my debt I was hung up on. I have not been able to get through to anyone which is alarming because they are trying to sue me, I'd expect them to want to work with me to give them my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: OR

Complaint narrative:
Simply had the ATM shutdown in the middle of a deposit had my card returned but the machine went blank. It was late around closing time and I had entered to see if the deposit had gone through. Not only did my deposit not go through, I was being laughed amongst the very young immature staff. The girl who I spoken with lead me to believe she would becoming outside to open the ATM. The store closed and the employees continued to smirk. XXXX gentleman came to the door and gave no response other than call the # on the back of your card. He explained Wells Fargo uses a XXXX  party so apparently not even a XXXX can access the ATM. I find this absurd because XXXX certain that the local XXXX XXXX, XXXX personally witnessed staff restarting and operating their ATM. The customer service department creates a claim and the lady who I spoke with made it seem like as soon as the machine restarted the transaction would pickup where it left off. The ATM was down for the weekend, and I was informed XXXX  of this last week that it was looked at. My account has not yet been updated nor have any fees or returned payments been eliminated. I am aware of that Wells Fargo ATMs are having constant issues and need to be investigated for consumers protection.

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 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/year> my Experian XXXX XXXX Account was temporarily suspended due to unusual activity according to them. I have been in telephone contact with this company since the suspension. There was no need to do this to my account. In communicating with Experian they informed me I had to send front and back of my drivers license, bill with my name and address on it as well as my SS card. My response to them was I would not be sending them my personal information and needed my account unlocked so I could get my money out of this account. When I call them my identity is authenticated and doesnt make sense to me why the information is needed. Believe by sending this information it could possibly be more hazardous than good. Really need your help to get my money off this account. Thanks

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 2026-02-15 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: AR

Complaint narrative:
Supplemental Submission Scope and Investigative Clarification On XX/XX/XXXX, I requested a complete list of transactions formally opened as disputes in order to ensure alignment between my records and Chases internal review. I have not yet received a response. 

For clarity and completeness of the record, I respectfully request that Chase confirm : The total number of XXXX transactions from the identified merchants including any related, affiliated, successor, or similarly named entities that were reviewed in connection with my written dispute ; The criteria or methodology used to determine which of those transactions were opened and processed as billing errors ; and The investigative basis relied upon in concluding that the disputed transactions were authorized. 

My original written notice requested review of all XXXX transactions associated with the identified merchant group. Given the volume of transactions and the multiple determinations issued to date, a clear statement of the investigative scope and framework applied will ensure the record accurately reflects the review conducted. 

This request is made solely to clarify scope and methodology so that the record is complete and accurate. 

Thank you for your attention to this clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: AR

Complaint narrative:
My name is XXXX XXXX. 
Email : XXXX Phone : XXXX Account Number : XXXX Dispute ID : XXXX Company Name : XXXX XXXX XXXX Current Bank ) Product : Debit Card / Electronic Fund Transfers Issue : Unauthorized transaction dispute improperly denied I am filing this complaint against XXXX XXXX Bank, the issuing bank behind Current XXXX for XXXX to properly investigate and credit unauthorized electronic fund transfers totaling {$880.00}. 
Account Number : XXXX Dispute ID : XXXX Date of Denial : XXXX On XX/XX/year>, XXXX debit card transactions were processed through XXXX : {$260.00} XXXX {$220.00} XXXX {$200.00} XXXX {$200.00} XXXX Total : {$880.00} I did not authorize these transactions and received no benefit from them. 
During the dispute process, I provided the bank with : Written confirmation from XXXX stating the transactions were unauthorized Written confirmation from XXXX that the account profile information did not match the cardholder information Screenshots and supporting documentation showing identity mismatch A written statement affirming I did not authorize these transfers Despite this evidence, XXXX XXXX Bank denied the dispute.

Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation XXXX ( XXXX CFR XXXX ), a financial institution must conduct a reasonable investigation and may not hold a consumer liable for unauthorized electronic fund transfers. 
An unauthorized electronic fund transfer is defined as XXXX initiated by a person other than the consumer without actual authority and from which the consumer receives no benefit. 
XXXX admitted in writing that : The transactions were unauthorized. 
The profile information did not match the cardholder. 
XXXX XXXX Bank did not : Provide documentation showing how the transactions were deemed authorized Explain whether XXXX  written admission was reviewed Provide investigative findings supporting denial I am requesting : Immediate reconsideration and reimbursement of {$880.00} A written explanation of the investigative steps taken Copies of all documentation relied upon in denying the dispute Regulatory review of XXXX XXXX Banks handling of this Regulation XXXX claim This denial is causing financial hardship and housing instability. 
I am seeking regulatory intervention to ensure compliance with federal consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Subject : Response to CFPB Complaint Transaction Verification and Account Clarification ( Case # XXXX ) Dear Coinbase Regulatory Response Team, I am writing in response to your message regarding my complaint submitted to the CFPB. 

First, I would like to clarify the account type in question : My account is Coinbase Commerce account ] associated with my identity.

Second, I confirm that I have already provided and I am again providing the required blockchain transaction details for your verification. 

The transaction in question is publicly recorded on the Ethereum blockchain and can be independently verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] To Address : [ XXXX ] Network : XXXX XXXX XXXX XXXX XXXX equivalent in XXXX XXXX : Successful and confirmed on-chain This transaction is permanently recorded on the public blockchain and can not be altered or disputed. 

Since Coinbase does not provide services in my country ( XXXX ), I formally request the immediate return of my funds to the original sending address, as I am currently unable to access or use my account. 

Please note that continued failure to return verified customer funds may constitute unlawful retention of digital assets. 

I request that this matter be escalated and resolved without further delay. 

I am fully cooperating and have provided all requested information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I made a payment to Comenity Capital Bank based on the amount provided and confirmed with an online customer service representative. At that time, my account showed no outstanding balance, so I did not continue to monitor it closely. 

However, on XX/XX/XXXX, I discovered that there was {$1.00} unpaid from XX/XX/XXXX, which, due to accumulated late fees, has now grown to {$80.00}. I have communicated with customer service about this issue but was unable to resolve it. I then requested help from a supervisor, who agreed to waive {$15.00}, leaving {$65.00} for me to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC
State: CA

Complaint narrative:
In XX/XX/year>, I enrolled in Americor Funding, LLCs debt resolution program after being verbally informed that negotiations with all enrolled creditors would likely be completed within approximately six months. This representation was material to my decision to enroll. 

I agreed to make bi-weekly payments of {$180.00} ( approximately {$400.00} per month ) and have made consistent payments for more than two years.

Despite full compliance with my payment obligations, Americor failed to negotiate or settle my account with XXXX. Instead, after more than two years in the program, XXXX initiated legal action against me. 

After I notified Americor of the lawsuit, I was informed that an additional {$5400.00} would be required merely to begin negotiations with XXXX. This significant funding requirement was never clearly disclosed at enrollment, nor was I provided with a transparent funding schedule explaining that such a condition would apply before negotiations could occur. 

During court proceedings, XXXX  attorney indicated that attempts had been made to communicate with Americor prior to litigation. Americor later stated it had no meaningful record of negotiation activity with XXXX. 

After the hearing, I contacted XXXX attorney directly and was offered a settlement amount lower than the {$5400.00} Americor required, without any prerequisite payment to initiate discussions. 

Americor also later referenced a consolidation loan option through its affiliated company, Credit9, stating that no application had been submitted. I was never clearly informed of this option or advised that a separate request was required. 

I believe these facts raise concerns regarding transparency, disclosure of material financial conditions, and the performance of core negotiation services.

Company response to consumer: Closed with explanation