vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 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: VA

Complaint narrative:
I am disputing the denial of my fraud claim regarding unauthorized transactions on my Best Buy Credit Card account. I discovered the following transactions on XX/XX/XXXX that were made without my authorization : 2 XXXX purchase ( s ) totaling {$520.00} XXXX charge of {$9.00} Transaction date : XX/XX/year> As soon as I became aware of these transactions, I submitted my claim online on XX/XX/XXXX with # XXXX and XXXX. also I contacted customer service and reported them as unauthorized. Another fraud claim was opened, but I was recently informed that the claim had been closed. I was not provided with any explanation, evidence, or findings supporting the decision to deny my claim I received a letter today stating that my claim was rejected because I allegedly did not report the issue in a timely manner and, as a result, they are unable to assist. However, I am unclear about what reporting timeframe is required. I submitted my claim on XX/XX/year>, which was only five days after the transaction occurred. I believed this was a reasonable timeframe for reporting the issue. I have attached a copy of the rejection letter, along with screenshots from the online claims system showing that my claim was submitted on XX/XX/year>. I would appreciate a review of my case and clarification regarding the specific reporting deadline that applies to this type of claim.

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 2026-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
after receiving a new credit card through a solicitation from Barclays Bank I was able to use it once before they put an fraud hold on my account. When I called customer service initially I was told that they did not believe I was who I said I was when I signed up and wanted proof of my identity. The only option they gave me to submit this was to send my drivers license copy and Social Security card copy through the mail. I refused to do this for security reasons and told the woman that we could just close the card. I was informed that I could get a call back from a manager to resolve the situation if I wanted and I agreed. Meanwhile I paid off the balance on my credit card, minus the amount that they had said they would balance transfer but hadn't. Before I talked to a manager I received another bill that had the yearly fee on it over {$800.00}. Within dats if receiving that bill I spoke with a manager. I was told that it was not my identity but fraud that they were worried about. However, she failed to tell me what transaction was suspected. I asked them then to please waive of the fees since I could not use the card and and close my account since I thought that the situation was fishy. The manager refused both request and informed me that the only way to close my account was by confirming my identity by sending them the personal information through the mail. I requested the refund and cancellation within the 30 days of it being posted onto my account the balance transfer never succeeded so that charge was dropped off of the account leaving only the annual fee. I do not wish to pay an annual fee on a card that submitted a card to me without verifying my identity or suspected fraud but wouldn't resolve it. It was a different story depending on who I talked to. As I said before, I do not wish to use this card any longer because of the poor experience. The first being the failure of the balance transfer ( they said that I sent them the wrong account number but I'm 99 % sure I didn't since I know that information by heart ) the second being the inability to use the card or resolve the fraud issue, the third being the lack of a cohesive reason for denying the card use, and the fourth reason being the lack of secure options in confirming my identity. I feel as if they've given me no reasonable options to resolve this problem so I have submitted this complaint.

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 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I filed a complaint with CFPB about BMO. Bmo said they have returned my access to the account. I do not have access i will provide screen shots.

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 2026-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MD

Complaint narrative:
Hello and good afternoon, I filed a complaint regarding this landlord fraud with the CFPB and it is CFPB complaint ID # XXXX. I am writing this complaint just in case I need to write a seperates complaint for the last 15 days I was renting at the landlord 's home since I skipped a month in between stays with at his home ( and he required a XXXX month notice stay ). Being that I don't file fraud complaints often I may not have filed it as correctly as I should have ; if I didn't file the fraud complaints exactly correctly please kindly pardon me for not doing so. I would like to state that until very recently I didn't know for years that CFPB legally enforces resolving landlord fraud such as XXXX listed landlord fraud which is why it took me so long to file a complaint about this ; I also didn't know the CFPB could legally authorize recouping funds and or security deposits for these cases. I fully only desire to follow the fullest extent of the letter of the law and the direction of the trained professionals of the CFPB the best way I can for this complaint thus since I am not a trained expert please direct me on how to use my complete legal rights for this case. The landlord refused to give me back my security deposit though he agreed to. I have many text messages with the landlord about him acknowledging receiving exactly {$500.00} in security deposit money and I have texts with him regarding all other topics of all my complaint. This is my first time dealing with such landlord fraud therefore obviously the CFPB being the trained professionals would know how to handle all my rights in this matter much better than I could. According to my research using XXXX to list a home for rent to tenants without a state legal renter's/landlord license is fraud similar on some level to a business not having licenses to sell their products or offer their services such as selling alcohol without a alcohol sale license. Please note that the landlord 's tenant ( male, about XXXX XXXX XXXX XXXX XXXX XXXX ) of which I was told of XXXX years named XXXX is likely not reliable as a source to be used for this complaint because he is listed in the lease the landlord gave me which shows he is should be assumed as being part of the landlord fraud scheme in some manner. I have text messages showing the landlord acknowledging receiving the {$500.00} security deposit from me and him telling me there were no damages I made to the property. As far as I know I believe it may be in my legal rights to at least get my security deposit back. Once you review my complaint I filed with the CFPB please feel please contact me for any further information needed for this matter. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am requesting a full refund from a cash app transation {$200.00} sent on XX/XX/year> at XXXX. The payment was made in error and was not authorized to this receipent. I immediately reported the issue to Cash App while the transaction was still in a Pending Status, at that time the transaction was still reversible and Cash App had the ability to pause or stop the receipient from withdrawning the funds. However, no effective action was taken and the unauthorized payment was completed on XX/XX/year> at XXXX. Despite multiple attempts to resolve this issue Cash App has not refunded the funds. I provided proof of a screenshot payment pending. Cash App Support Managers, XXXX and XXXX XXXX stated that they were unable to revese a completed transaction, but at the reported time of the error transaction was in a pending status. I also mention in my dispute my accoint may have been compromised, this raises serious concerns. This matter still remains unresolved, had appropriate action been taken when I first reported the issue, this outcome my have been avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MD

Complaint narrative:
URGENT : Unauthorized XXXX Transfer Immediate Investigation Required I am reporting an unauthorized XXXX transfer of my brokerage assets from Cash App Investing ( clearing firm : XXXX ) on XX/XX/year>. I did not authorize this transfer, did not open an account with the receiving firm, and did not sign any transfer documents. I believe an account may have been opened in my name without my knowledge, or my identity was used to initiate an XXXX pull. I am requesting FINRA assistance to : Identify the receiving brokerage Require the receiving firm to freeze the account Reverse the unauthorized XXXX transfer Ensure compliance with FINRA Rule 11870 and identity theft protections This is a case of fraud and unauthorized account activity. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
I received a certified letter today referencing a previous communication from them giving notice that their firm was handling a foreclosure on my home. I never received any such communication. The first I heard that foreclosure was imminent was when I called the mortgage company to check the status of the confirmation letter regarding the payment plan they offered me on XX/XX/XXXX. This certified letter is dated XX/XX/XXXX, over a month before the first payment date that was offered to me, which was XX/XX/XXXX. I know that Georgia requires a notice of default before sending the foreclose sale date letter and I did not receive such a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I have never lived in nj a day in my life my information was a part of a data breach more than 30 times so I really dont know why XXXX is trying to charge me I live in New York and havent had a vehicle and Ive desputed the auto loan that was on my credit because someone moving around nj had to steal my information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Hello I am a Capital One customer. On XXXX/2026 at XXXX I tried to withdraw XXXX dollars from a Capital One authorized ATM in XXXX RI. The withdrawal failed and gave me no money. I tried a second time and it told me i had insufficient funds. I now went XXXX XXXX XXXX to another atm and was not able to withdraw the XXXX dollars.I took out XXXX dollars and it cost me {$3.00} in fees. I now call Capital one about the issue and they gave me a credit for {$500.00} which was XXXX more than i asked for. I called on the XXXX th and told them about the mistake and they said they would take care of it.On XXXX/26 they sent me an email that my claim was denied. They closed my claim. they then after numerous calls still wont help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capitol One credit cards I'm requesting for these paid items be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Request for Removal of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several credit inquiries that appear on my XXXX credit report which I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit file, and I am requesting immediate removal of the unauthorized inquiries listed below. Unauthorized Inquiries : XXXX Capital One XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance # {$4100.00} Open XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: MT

Complaint narrative:
I opened an investor checking account with Charles Schwab on XXXX and funded the account through ACH transfers. On XX/XX/XXXX I attempted to make a XXXX transfer using the account which failed. I called the company and was told that it was a technical issue and that I could use my debit card to get the case I need to pay my rent. However on XX/XX/XXXX I tried to use my debit card and it was declined and a fraud alert was placed on my account. I was given no warning and when I called the company I was told that I would have to complete an identity verification process which involved faxing documents and obtaining a notary 's signature to regain access to my account. On XX/XX/XXXX I faxed the requested documents to the company, but as of XXXX my account is still restricted. I have no access to my funds or a timeline for when I will be able to access my account. I called customer service and all I am told is that they will email their fraud department to call me. I have no access to the money I need to pay my bills and no firm time line for when this issue will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Email : XXXX Attention : XXXX XXXX XXXX XXXX Department College : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Hello, XXXX XXXX Investigation Department : I am writing to formally ask for an Investigation on my College student loan with XXXX XXXX , over the past few years. Of attending college I have notice that my college student loans has increased. Within an extreme amount and still at this date, I do not possess an XXXX XXXX from XXXX XXXX, with the amount of debt on my credit score. Asking for this Investigation, is due to the unfair acts of XXXX XXXX. The College would change my schedule and add, additional classes making my time with the College longer, and increasing my debt of student loan. Leading me into having to take out a parent plus loan, leading my parent into my college debt. Along side of scheduling classes in which there would be no tutoring program, for an adult student learner to have an successful outcome of the classes. XXXX XXXX has been one of the most unsuccessfully educational decision that has been made. As a single mother trying to overcome the economic hardships of life, and financial barrier of the economy. Gaining a XXXX XXXX has been challenging because of XXXX XXXX and its high tuition. In which some classes were failed because lack of tutoring for students in most classes. In an area of courses that which tutoring is needed. These unsuccessful grades are a permanent mark on my transcripts, and although tutoring was requested from me. The College neglected to mention that there is no tutoring program for most courses. As a student paying back these loans I ask that the grades, loans and College be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I filed a dispute against tax relief advocates and XXXX days later my chime account was closed.the better business bureau stated my first step regarding my claim against tax relief advocates was to file a dispute with the debit card company which was chime against the charges made by tax relief advocates.when I asked several agents at chime customer service why my account was being closed they stated I was not compliant with policy and no explanation was given

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: AL

Complaint narrative:
I am filing a complaint regarding Citis handling of a credit card dispute for a transaction in the amount of {$1800.00} with Interior Define on XXXX XXXX, 2026. This is a clear case of merchandise not received. The merchant failed to produce or deliver the purchased furniture within the originally promised timeframe ( XXXX 2026 ). I was later informed that production had not begun, and delivery was delayed until the end of XXXX 2026. Due to the failure to deliver, I canceled the order. The merchant refused to issue a refund to my original form of payment and instead issued store credit without my consent. I never received the merchandise. Recently, the merchant issued a partial credit of {$110.00} to my account, leaving {$1600.00} outstanding. This partial refund confirms that the transaction was not fulfilled. I disputed the charge with Citi ; however, my dispute was denied. Citi appears to have miscategorized the dispute as a return or cancellation rather than properly treating it as a goods/services not received claim. This is not a return dispute. The merchandise was never produced or delivered. I am requesting : - That Citi reopen and properly investigate this dispute under the correct classification ( goods/services not received ) - That Citi issue a chargeback or credit for the remaining {$1600.00} Citis refusal to properly process this dispute is inconsistent with credit card network rules and consumer protections. I am requesting a full and fair review and resolution of this matter.

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 2026-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I had purchased furniture from Wayfair ( online ). It was " junk '' so I promptly returned it ( within a week of delivery ). I received an invoice from Citibank credit cards for total amount shortly thereafter. I called and talked with a Wayfair representative who indicated there had been some " issues '' in their system and my return had not shown but they were able to see that the furniture had been returned. They issued an invoice illustrating a XXXX balance. There had been an XXXX dollar return fee and I paid XXXX and I was given " credit '' for the remainder. The balance again was XXXX according to what the Wayfair rep sent me. The following month I got a bill from Citibank cc again illustrating that while the furniture fee was removed they were still charging me interest and late fees. I provided the invoice that I received from Wayfair illustrating a XXXX balance but it went unacknowledged. I continue to receive invoices from Citi with interest and late fees accruing and mounting more and more each month. They sent me a text telling me my account was overdue, I attempted to respond, but the message I got back was that " these texts messages are not monitored ''. I have attempted to call Citi however each number they provide on correspondence doesn't get you to a person just an automated system. I am requesting that these late fees and interest which should have never been incurred to begin with be removed. They currently have it racked up now to 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 explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I decided to apply for a XXXX membership as their warehouse is relatively close to where I moved. While there, I was up-sold the executive membership, the XXXX Executive/Citi/XXXX credit card , and the annual cash back program. I received a credit card statement in the mail in the last day or two. An entry caught my eye, I was charged {$13.00} in interest. This surprised me. Last month my statement balance was {$560.00}, due on XX/XX/year> I paid {$560.00} and it was applied to my account on XX/XX/year>. Leaving a roll over balance of {$2.00} I thought to myself, how can the interest be more than the balance? I called CitiXXXX to find out. I learned todayXXXX XXXX/CITI/XXXX charges interest on something they call the daily balance method ( including CURRENT TRANSACTIONS ) What this means is, XXXX XXXX is charging me interest on BALANCES THAT ARE NOT YET DUE!! I asked the customer service agent at CITI, yes or no please, am I being charged interest on balances that are not yet due? Her answer was YES. This is appalling and if it isnt illegal IT SHOULD BE YES, IM ANGRY To add insult to injury, it appears this is being done selectively. So Im being discriminated against as well. It seems if you have a little ( XXXX ) in the section of the bank statement where it breaks down Interest Charge Calculations .. then you are awarded with this special charge. Does everyone have the ( D ) code? I doubt it. Why me? My credit score is over 800 I sure hope someone takes this seriously and responds to me. Im tired of being ripped off and taken advantage of

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