vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am attempting to make a principal payment of {$20000.00} toward my auto loan with Wells Fargo, but have been unable to do so due to repeated payment failures and lack of follow-up from the bank. When I contacted customer service, I was informed there is a {$5000.00} limit per payment. I then attempted to make a {$5000.00} payment, but the transaction failed despite sufficient funds being available in my account ( over {$25000.00} at the time ). Since then, I have made multiple attempts to resolve the issue. I received voicemails on XX/XX/XXXX and XX/XX/XXXX requesting that I return the call, which I did. However, the issue was not resolved. On XX/XX/XXXX, I was told I would receive a callback that afternoon from the XXXX complaints team, but no call was received. On XX/XX/XXXX, I called again and was given the same assurance of a callback by end of day, which again did not occur. This issue has now been ongoing for over a month without resolution. I am being prevented from making a principal payment on my loan due to unexplained payment failures and lack of support. Additionally, the process required to make a principal-only payment appears unnecessarily difficult and requires repeated phone calls without resolution. A reasonable and accessible method to make principal payments should be available without this level of friction. As a result of these delays, interest continues to accrue on a higher principal balance than would otherwise be the case. I am concerned that I am being financially impacted by the inability to make a timely principal payment. I request that any excess interest incurred due to these delays be reviewed and reimbursed. I am requesting that the bank either process the {$20000.00} principal payment promptly or provide a reliable method to do so without further delay.

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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/2026, {$57.00} and {$51.00} was taken from my account from a merchant I am no longer involved with when my debit card was locked. I didnt authorize these transactions and they were still taken from my account which caused me to not be able to pay a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ameritan Group Services
State: IA

Complaint narrative:
Ameritan Group Services a debt collector for a payday loan company I believe XXXX XXXX XXXX has been making repetitive calls to me by phone and text for a debt that may be over 15 years ago. My sister contacted me yesterday and stated they sent a text her phone from a person name XXXX XXXX XXXX who said she calling for me and text the last 4 digits of my SSN and demanding that I call her back at XXXX by yesterday XX/XX/year> or she would be sending an official to my employer. I have spoken to them once about a year again asking for documentation of proof of the debt they dismiss my request and demand a down payment first.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Revised Complaint - NOT A DUPLICATE Subject : Formal Complaint Repeated Dishonor of Settlement Checks & Failure to Provide ADA-Compliant Documentation Statement of Fact : This is a new, distinct complaint and not a duplicate of # XXXX. This filing concerns a separate instance of a dishonored settlement check issued by New York XXXX XXXX XXXX XXXX ( XXXX ) via their JPMorgan Chase account. On or about XX/XX/XXXX, I attempted to deposit Check # XXXX ( {$750.00}, dated XX/XX/XXXX ; Check # XXXX ). This check was issued per a XXXX Department XXXX XXXX XXXX settlement. For the second time, Chase branch staff informed me that the check could not be honored because it was not listed on NYSEGs Positive Pay ledger. This follows a previous incident involving Check # XXXX ( Check # XXXX ), which was also dishonored. Furthermore, a letter from XXXX dated XX/XX/XXXX, references a third check ( # XXXX ; Check # XXXX ) that I never received. Response to XXXX Technical XXXX XXXX XXXX claims their " Zero-Balance Account '' ( XXXX ) status should allow these checks to clear. This is a red herring. A ZBA status does not override Positive Pay security protocols ; if the check is not on the ledger, the XXXX transfer is never triggered. By failing to update their ledger, XXXX has rendered these settlement checks non-negotiable. ADA & Age-Related Accessibility Violations : I am over 62 years of age and profoundly hard of hearing. Because of my XXXX, I require written documentation to participate in and resolve financial disputes. Despite this : Chase branch staff refused to provide a written Letter of Dishonor or XXXX Report, forcing me into verbal interactions I could not fully navigate. NYSEGs directive to resolve this via in-person verbal conversation with a manager is inaccessible and fails to accommodate my hearing impairment. Requested XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citi bank closed both my credit cards without warning and won't tell me why. I lost a lot of money with my rewards accrued.

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 2026-04-09 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: Nelnet, Inc.
State: NY

Complaint narrative:
My personal and financial information was compromised without my authorization, the Family Education Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility is to safeguard my information. Given the severity of this breach and resulting compromised to my personal finanacial information, I request that you immediately cancel and discharge my Parent Plus Loan debt in five business days. this is to Nelnet

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MO

Complaint narrative:
So I send money to my family and friends and I get money from my family and friends on the fourth. I think they close my account at XXXX AM and I get an appeal and they said due to violation of their privacy, but I asked him what the violation was so I knew what I did wrong or what was going on, but they could not get me no specific reasons they just said sorry we are going to close your account due to that reasoning so then I called him and I asked him and they said well we cant give you that information we dont know it so Id like to know what I need to do because I didnt do anything wrong with cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Description of Incident : In XX/XX/XXXX, I enrolled in a {$25.00} XXXX XXXX promotion for Capital One Shopping. I verified the tracking was active on my dashboard. On XX/XX/XXXX, after I contacted support to report a technical tracking glitch, my account was immediately terminated for alleged " fraud or abuse. '' This resulted in the XXXX of {$220.00} in already-earned rewards, an {$80.00} sign-up bonus, and the {$25.00} promotion ( Total : {$330.00} ). The company 's claim of " fraud '' is inconsistent with its own internal data. On XX/XX/XXXX, while the shopping division upheld the ban, the banking division sent me a pre-approval for a XXXX credit card, explicitly calling me a " valued Capital One customer. '' I have been a loyal customer of this institution ( via the XXXX relationship ) since XXXX. I possess itemized receipts for the qualifying purchases ( XXXX and XXXX ) and believe the account termination was a retaliatory act to avoid paying out earned rewards after I requested a manual technical review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Risk Management That Creates Risk : Barclays Credit Limit Reduction Experience Ive had a deeply disappointing experience with Barclays US Consumer Bank and their handling of my JetBlue Plus Card account. Without prior warning, Barclays reduced my credit limit from {$23000.00} to {$8000.00}. This action instantly drove my utilization on the account to 100 %, materially impacting my credit profile, not due to new behavior, but due to their unilateral decision. When I contacted them, I was informed the decision was based in part on : A single ~ {$800.00} collections account currently under active dispute with TransUnion, for which I have supporting documentation Elevated utilization across accounts ( which their own action significantly worsened ) I approached the conversation professionally and in good faith. I requested a modest adjustment, restoring the limit to even {$10000.00}, to bring utilization to a more reasonable level while I finalize repayment of balances ( which I am in a position to do imminently due to an upcoming liquidity event ), and citing my perfect payment history over the years that I have done business with them. That request was declined without meaningful consideration or flexibility. Whats most concerning is not the existence of risk controls, those are expected, but the lack of proportionality and communication. A sudden, drastic limit reduction that directly worsens a customers credit standing, combined with a refusal to engage constructively when the customer demonstrates both intent and capacity to resolve the issue, reflects poorly on Barclays approach to customer management. I would caution prospective customers ; especially those who value stability and predictability in their credit relationships, to consider this risk when choosing a card issuer. Based on this experience, I do not plan to continue my relationship with Barclays once my balances are resolved. This approach creates a feedback loop where customers are penalized in ways that increase risk metrics rather than reduce them. Thats not risk management ; its risk amplification.

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 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I sent multiple payments through Cash App between XX/XX/XXXX and XX/XX/XXXX to an individual who claimed they were providing credit repair services. I was given an invoice outlining the services and expected timeline, and I was repeatedly asked to send additional payments as part of the process. In total, I sent approximately {$3800.00} through Cash App for these services. Despite these payments, no services were ever completed, and the individual eventually stopped responding to my messages. This demonstrates a clear pattern of misrepresentation and deception, as I was led to believe I was paying for legitimate services that were never provided. I reported this issue to Cash App and requested a refund, providing supporting documentation including the invoice, payment history, and message communications. However, my claim was denied solely on the basis that the transactions were authorized. While I did authorize the payments, this authorization was obtained under false pretenses, which constitutes a scam involving services not rendered. Cash App did not properly consider the evidence or the nature of the situation when denying my claim. I am requesting that this matter be fully investigated and that I be reimbursed for the funds lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: MI

Complaint narrative:
On XX/XX/XXXX I noticed unauthorized charges on my child support card I contacted XXXX about the transactions which were an ATM of XXXX on XX/XX/XXXX, XXXX XXXX XXXX also on XX/XX/XXXX and a transaction in the amount of XXXX at XXXX on XX/XX/XXXX my dispute was instantly denied without any reason or fault as to why when Im the one reported the transactions once I noticed them! I dont understand how these cards allow unauthorized transactions to be allowed thats money for my family I would like for them to reopen the case and return my money back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
On XX/XX/year> I bought several money orders in the amount of {$1100.00} and filled them out sealing them in a envelope. I then placed sealed envelope in the mailbox down XXXX XXXX from my house. Only to find out on XXXX XXXX the money orders never made it to where they were going.I immediately called the number on the bottom portion of the money order. Only to hear an automated recording saying a refund had been issued. So I then I went through all the prompts to speak to someone. I explained that I never requested a refund and that a stop payment need to be placed on the money orders I was told that a ticket would be created and that I needed to wait 20 days for them to investigate On XX/XX/year> and several other days and times I called to see what was going on in the process again was told that a ticket would be escalated and someone would be in contact. Contact never came With every phone call I made to Western Union was the same thing we see this is fraud I stated How can this even happen when you have to provide your ID in order to buy the money order no one other then the person that was on that money order or the org. person who bought the money order should be allowed to request a refund. Time XXXX time again agents agreed and said someone would be in touch I have wrote down EVERYTIME I talked to someone there name and the time and nothing until XXXX XXXX when after requesting several time to speak to a manager did a man by the name XXXX call me to say that it it first come first server basis and that I was not getting my money back, because it had been giving to a criminal. That could not have provided the store where they were bought or any of the receipts because I have them. I am the only person those money orders should have been refunded to since it was my ID that was used to buy them. I can provide proof that I bought them. I was told I was screwed out of my money and there was nothing they were going to do about it. There was absolutely no way that the person who requested the refund could say where the money orders were bought from nor did the have the receipts for them THIS was FRUAD. and Western Union is letting this happen. Now I am being told that the only way they will give me another info is if I have a subpoena for there records because I'm not the person who requested the refund NO XXXX I'm not, because I didn't want a refund I was paying a Mortgage Payment.This entire situation is insane and has caused so my distress in my life and something needs to be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: CO

Complaint narrative:
On XX/XX/2026, a payment in the amount of {$900.00} was deposited into my account. I was informed that the funds would be held until XX/XX/2026 ; however, I was also told that the funds could be released sooner upon verification. When I attempted to resolve this, I was told there is a system issue stating that the account used does not match my account. This is incorrect. The account in question is mine, and there is no legitimate reason for this mismatch. This appears to be an internal system error on Capital Ones end. Because of this error, I am being denied access to my own funds. This situation is directly affecting my livelihood, as I rely on timely access to my money for essential expenses. I have attempted to resolve this issue directly with Capital One, but the problem has not been corrected, and I have not been given a clear or timely resolution. This is a system error affecting my access to funds. They are not allowed to mishandle funds due to system errors without resolving it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Santander has been deflecting and deferring disputes since XX/XX/year> and has continued to ignore the cease and desist they agreed to that was placed in XX/XX/year>. Upon this information many calls have been received emails but no mail regarding their dispute results. I have certified mail proof of all correspondence to Santander from my domicile. Without proof of mailing any correspondence is invalid. Requesting GAAP accounting on the account between me and Santander isnt private information neither does it need to be subpoenaed by court order. No funds were transferred to said loan. I was told it was a credit application which isnt the same or equivalent to a loan application. Its to see the good faith accounting done and followed by TILA FCRA & FDCPA. MY NUMBER IS REGISTERED WITH THE FTC DO NOT CALL REGISTRY. Any further calls made will incur {$1000.00} charge for every call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 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: Chime Financial Inc
State: GA

Complaint narrative:
In XXXX I received a transaction on my account I reported and replaced my card. Two days later claim was complete and I was reimbursed. As of XXXX this same merchant XXXX happens to hit my card 5 times when I reached someone at chime a supervisor rest assured me the would get it corrected that and visa authentication shouldve been off. We filed another dispute with the company I also try to reach out to the comepany they are unable to help me due to I dont have an acct. Now my dispute is back and they state its accurate I asked how can something be accurate if we disputed before and they immediately released it. They were unable to tell me anything I was hung up on by an supervisor stating I have to wait 10days so I stated I didnt get any information from the last one can I use that to be able to use to speak with the merchant. I wasnt helped I had to call back just to verify if the visa authentication was off just to find out the supervisor didnt take it off after telling me they would. It is a big concern no one knows where the money going. I had my card replaced 2 x already and I fear someone is working for chime setting up auto payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I initiated a dispute regarding an unauthorized charge from XXXX XXXX in the amount of {$1800.00}. I had been paying this company {$1800.00} per month for marketing services, including XXXX ad management and CRM support. On XX/XX/year>, I terminated the business relationship after discovering they were simultaneously providing services to my direct competitors in my local market. This represented a clear conflict of interest and was not acceptable for my business. During that conversation, I explicitly instructed XXXX XXXX to cease all future billing immediately. I also informed them that any additional charges would be disputed. To further protect my account, I contacted Bank of America and requested a stop payment/block on all future charges from XXXX XXXX. The bank confirmed this request and indicated that future charges would be prevented. Despite these actions, XXXX XXXX processed another {$1800.00} charge. This charge was able to go through because the merchant altered the billing descriptor, which appears to be a deliberate attempt to bypass the stop payment request. I promptly filed a dispute, and the provisional credit was issued during the investigation. However, Bank of America ultimately ruled in favor of the merchant and has stated they will reverse the credit on XX/XX/year>. I am requesting a review of this decision for the following reasons : The charge was unauthorized, as services had been terminated prior to the billing date. A stop payment/block had already been placed with Bank of America XXXX which failed to prevent the transaction. The merchant appears to have used deceptive billing practices to circumvent the stop payment. I took reasonable and timely steps to prevent further charges and protect my account. In addition, this charge was billed on XX/XX/year> for services intended for the month of XXXX. However, after I terminated the relationship on XX/XX/year> and filed the dispute, no services were performed during XXXX. As a result, I was charged for services that were never delivered. As a small business owner, I rely on my financial institution to enforce account protections once requested. Allowing this charge to process despite a confirmed stop payment raises serious concerns about the effectiveness of those safeguards. I respectfully request that Bank of America reverse its decision and permanently credit the disputed {$1800.00} back to my account.

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