vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a government-issued check for {$450.00} at a Bank of America financial center . At the time of the transaction, the teller accepted the check, and no hold or issues were communicated to me. Immediately following the deposit, I received an automated email stating a full hold was placed on the funds until XX/XX/year>, citing that the check 'may be returned. ' I am a long-term customer and this is a government instrument with virtually zero risk of being returned. I have already contacted the branch and customer service to resolve this, but I have been given the runaround with no explanation or attempt to verify the legitimacy of the check. The banks failure to notify me of a hold at the point of deposit and the subsequent refusal to provide a reasonable explanation or escalation path is causing me financial hardship. I am requesting an immediate review and release of the hold on these funds. ''

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint about Capital Ones handling of my debit-card/checking-account dispute involving XXXX XXXX. On XX/XX/year>, my wife and I had dinner at XXXX for XXXX XXXX. The restaurant charged us {$200.00}, but the correct amount for the items we actually ordered was {$100.00}. I disputed the {$98.00} overcharge with Capital One on XX/XX/year>. The bill included items that were not ours, including two XXXX drinks that were taken to the table beside us. We were also charged for a chocolate cake that was returned and not eaten. The waitress also added a 20 % gratuity and a 3 % swipe fee that we did not authorize. We were a party of two with a XXXX XXXX reservation. XXXX posted policy stated that automatic gratuity applied to parties of six or more or after XXXX XXXX on weekends. We did not meet those conditions. When we asked the waitress to remove the incorrect items, unauthorized gratuity, and swipe fee, she said she could not refund it and that we would need to dispute the charge with our bank. We asked to speak with the manager, and the manager gave the same response. I have provided Capital One with supporting claim documentation on FIVE ( 5 ) separate occasions via email and their upload link, per their request. I have included the original receipt, my itemized corrected amount showing the {$100.00} total, XXXX gratuity/surcharge policy, and my written explanation of what happened. Capital One continues to deny or delay the claim because it is asking me to provide an actual corrected receipt from the restaurant showing what I should have been charged. I can not provide a restaurant-generated corrected receipt because the restaurant refused to correct or refund the bill and told us to dispute the charge with the bank. This is the reason the dispute exists. It is literally impossible for me to provide the corrected receipt because I was overcharged for the dinner. Capital Ones repeated request for a document that I can not obtain is unreasonable. I have already provided the available evidence showing the correct amount, the disputed amount, and the basis for the dispute. I am requesting that Capital One reopen and properly review this dispute, permanently credit/refund the disputed {$98.00}, stop requesting an impossible corrected restaurant receipt, and provide a clear written explanation identifying the evidence it relied on and why my submitted documentation was not sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I received an offer from capital one to open a 360 checking acct, deposit XXXX deposits of XXXX dollars each and I would receive XXXX by XX/XX/XXXX. I did not receive money as described by email offer. I contacted them and they told me the deposits could not be ach but had to be paycheck deposits. This was not spelled out in email offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I noticed I was being billed for a subscription I did not pay for since XX/XX/XXXX from Coverletter.co. I was only able to dispute the charges from this company with JP Morgan Chase for the months up until XX/XX/XXXX, but nothing before because of their 60 day policy. I contacted Coverletter.co directly and they stated I already got refunded from Chase and they will not be helping me further despite knowingly incorrectly charging me for over a year for a subscription I never agreed to. I am a victim of an ongoing, deceptive negative-option billing scam by a merchant called XXXX ( XXXX XXXX XXXX ). The merchant hid recurring monthly charges without explicit authorization or a signed agreement. Chase closed my initial fraud dispute based purely on standard XXXX billing error timeframes. However, this is a case of ongoing merchant fraud, not a standard consumer error. Chase has a duty to protect consumers from fraudulent actors. I am requesting an executive override from Chase to issue a credit for the remaining {$250.00} that was stolen from my account for charges from this XXXX starting XX/XX/XXXX. Chase 's XXXX XXXX XXXX explicitly states I am responsible for {$0.00} in unauthorized transactions. I never signed a contract, checked a box, or provided explicit consent to XXXX XXXX XXXX / XXXX to establish a recurring billing profile. I can provide login info to the account that shows on XX/XX/XXXX at XXXX XXXX I was never even subscribed to anything and that was before I even filed a dispute with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: NY

Complaint narrative:
Chase Internal Dispute Claim ID : XXXX | Transaction Amount : {$2100.00} I am filing a formal complaint against JPMorgan Chase regarding their gross mishandling of a {$2100.00} merchant dispute on my Chase XXXX XXXX credit card. The merchant in question charged my card {$2100.00} but completely failed to deliver the agreed-upon goods, never provided a tracking number, and subsequently ceased all communication. I initiated a formal dispute with Chase, which was initially denied. I then requested a second review, providing clear documentation establishing the merchant 's breach of contract. When calling Chase XXXX XXXX support to check the status of this second review, Chase representatives explicitly stated that Chase had " exhausted everything, '' that they had escalated the file to " Visa Arbitration, '' and that " Visa ruled against me. '' This information is verifiably false and constitutes a severe compliance violation. Under Visa network dispute guidelines, an issuer can not initiate a formal network Arbitration case without the explicit, written consent of the cardholder. This is because losing an arbitration triggers an automatic network fee of hundreds of dollars that the cardholder must contractually agree to be liable for. Chase never requested my consent, never issued an arbitration waiver, and when requested, failed to provide a Visa Arbitration Case Filing Number. Front-line Chase representatives are actively fabricating card network rulings ( " Visa ruled against you '' ) as a deceptive tactic to force me to drop a valid {$2100.00} claim. Chase 's internal dispute team has clearly failed to submit my evidence packets or properly review the merchants fraudulent retention of my funds. I request that Chases Executive Office audit the phone logs for my accountspecifically from my calls on XX/XX/year> and XXXX review explicit proof of these misrepresentations. I ask that you bypass the front-line dispute team and either provide the literal Visa Network Arbitration Case Number proving a panel ruled on this matter, or immediately issue a {$2100.00} credit to correct your team 's severe mishandling of this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: MO

Complaint narrative:
My Chime account was opened in XX/XX/XXXX. I have not used it much since then. I logged back on to my account in XX/XX/XXXX, and around this time is when a new credit card was opened in my name. I never applied or requested a credit card from Chime. When I've called in for help with this issue, I'm being told that when I signed up for Chime in XXXX during that process I elected to open a credit builder card. So their explanation is that this was part of my onboarding process and there was, for some reason, a XXXX year delay on their end opening that account and reporting it to the credit bureaus. Obviously this makes no sense and is probably not accurate information. I believe XXXX of XXXX things happened : XXXX when I logged back on to my account in XX/XX/XXXX, I unintentionally opted in for some sort of credit builder card. This would have occurred due misleading information on their app and no clear disclaimer that doing so could affect my credit card. I NEVER would have willingly done so had I been properly informed. XXXX more likely, I feel there was some sort of glitch or error on their end. They've not been able to provide any documentation that I signed or agreed to for this card. Even if my account was hacked which I don't believe it was, there should have been some form of agreement required to open such an account. Further more, no credit card has ever been mailed to my home address. I've never received anything regarding this in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My husband has passed away on XX/XX/year>. I contacted Citi to report his death and request that his credit card account be frozen and properly handled. I spoke with XXXX different Citi representatives to speak to the right person repeating the same information. Then, once I could speak to the right person, she told me, could not dispute charges after the date of death, which is incorrect because any charges that post after death are legally unauthorized. ( The last XXXX calls had extremely poor audio quality, and the representatives repeatedly said they could not hear me ) Citi did not ask for the death certificate, and although they closed the account, they insisted they can not dispute or reverse the transactions that posted after the date of death. They also told me they need to send a final bill to the deceaseds apartment address ( after XXXX to XXXX weeks ), even though I clearly stated that I can not receive mail there. I also stated that I am not the responsible party, I am not opening an estate, and I do not want ongoing billing or collection notices sent to my personal address. Citi can not require me to forward my deceased husbands mail to my home just to receive a final bill. Citis handling of this situation has been unprofessional, confusing, and contrary to standard deceasedaccount procedures. I have been unable to submit the death certificate or have the account properly handled.

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 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I attempted to make a purchase of a XXXX XXXX XXXX via someone that had contacted me initially from XXXX, yesterday, XX/XX/year>. We agreed on a price of {$150.00}. I attempted to try to do a more secure point of sale, such as an XXXX private listing or through PayPal. I received slight push-back from this person about those two methods. He asked if I had XXXX, and I said I did not. I then offered XXXX as an option, to which they agreed. They said they had to set up their account, as they apparently did not receive a verification to that account. I looked up the account that I sent the {$150.00} do by typing in the person 's phone number, whom had given it to me the night before. An account came up that matched the first name of the email where I tried to send the payment via PayPal initially. PayPal flagged the transaction as potential fraud and didn't push it through. The person was insistent on using transaction between friends and family, because they did not want to pay any fees associated with either XXXX or PayPal. On XXXX, however, the payment went through. When I told them that the money went through, I'm told that they didn't receive it. And then they gave me a different account altogether, which was the same name as the first account, but the second one had dashes and a number at the end. The money got sent to a PayPal account that has that person 's name as well. Not long after that, all communication between myself and the person ceased. I tried contacting Venmo and PayPal, and both of them gave me the run-around, telling me to call the other, and I never got a straight resolution from either of them. One person at XXXX opened a dispute for me, but within an hour of the dispute being submitted, it was denied. I tried calling again to possibly appeal, but I got nowhere with them. They told me to call PayPal, and when I did, they told me to call XXXX again. I then tried contacting XXXX to dispute the charge, and they said that the charge can not be disputed because according to them, I willingly inputted the name of the account it got sent to even though it might be a scam. I then reached back out to XXXX to try to file an appeal and apparently they escalated the issue to an account specialist who will supposedly get back to me within 10 business days. Since last night, this person has been ignoring my messages and have not heard from them at all. It is obvious that this person is a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
BEEN LOYAL CUSTOMER WITH CHIME SINCE 2019 and they requested lots of different proof about transactions from the past few months from my visit to XXXX and stuff. I PROVIDED PROOF A FEW WEEKS ago tons of stuff and I cant let this account close but they are NOT RESPONDING to me even tho it says only takes a few business days to respond. HAVE A XX/XX/XXXX DEADLINE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: AZ

Complaint narrative:
I made a purchase from XXXX XXXX in the amount of {$160.00} XXXX XXXX XXXX for a XXXX way flight on XX/XX/XXXX I canceled the flight and this is what they sent via email : Original Purchase {$160.00} Cancel Fee - {$0.00} Type Valid Thru Amount Reservation Credit ID : ( XXXX ) XX/XX/XXXX {$160.00} Your reservation credit is valid for trips booked within 12 months of issuance on any flight dates available in the system. Reservation credits can be used for multiple bookings until the full value is used. It can be redeemed by any Guest linked to this reservation, and can be applied toward airfare, bags, seats, taxes, and fees. Your reservation credit can be redeemed at XXXX. At this time, our XXXX XXXX does not support reservation credit bookings. Rental car or hotel reservations are non-cancellable, and not included in the reservation credit listed above.For instructions on how to redeem click here. The instruct to file dispute with my Chase Credit Card.. I reported this to Chase dispute as instructed on the XXXX XXXX Website. ( Can not reach XXXX ) XXXX Chase twice now! They denied claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: CO

Complaint narrative:
Company : Chime Financial , Inc. ( partner banks : XXXX XXXX XXXX, XXXX. and XXXX XXXX, XXXX. ) Issue : Repeated fraudulent account openings using my stolen identity Complaint : I am a victim of identity theft. Unknown individuals have repeatedly opened Chime accounts in my name without my knowledge or consent. To date, I am aware of XXXX fraudulent accounts opened using my personal information, the most recent on or around XX/XX/year>. I discovered these accounts when [ HOW YOU FOUND OUT e.g., received Chime welcome emails/ debit cards in the mail / saw it on my XXXX report ]. I have never opened a Chime account and have never authorized anyone to open XXXX on my behalf. I contacted Chime on XX/XX/year> by phone and requested that the accounts be closed and my identity blocked from future openings. " Chime closed the account but a new one was opened weeks later '' / " I received no substantive response. '' ] Despite this, fraudulent accounts continue to be opened, which demonstrates that Chime 's identity verification and fraud prevention procedures are inadequate. I have filed an identity theft report with the FTC at XXXX ( report attached ) and placed security freezes with XXXX and XXXX XXXX XXXX. Chime 's failure to implement reasonable Customer Identification Program ( CIP ) procedures, as required under the Bank Secrecy Act through its partner banks, has allowed criminals to repeatedly exploit my identity. This exposes me to ongoing financial harm, potential liability for fraudulent activity, and damage to my banking history. Requested resolution : XXXX. Immediately close all accounts opened in my name and confirm in writing that I am not liable for any activity on them. XXXX. Place a permanent block on my SSN and personal information to prevent any future account openings. XXXX. Provide written confirmation of both actions, including a list of all accounts ever opened using my information. XXXX. Confirm that all fraudulent account records have been corrected with XXXX and XXXX XXXX XXXX so my consumer reports are not damaged. Attachments : FTC Identity Theft Report [ # ], correspondence with Chime, [ any Chime welcome emails/letters received ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
On or about XX/XX/year>, I updated my mailing address with Citi and received confirmation that the address change was completed. Between approximately XX/XX/XXXX and XX/XX/year>, I used the Citi mobile app to request a replacement XXXX XXXX XXXX card. During that process, the app offered an expedited delivery option, which I selected. The app appeared to successfully process the request. Shortly thereafter, the last four digits of my card changed within the Citi mobile app and within XXXX XXXX on my XXXX, indicating that Citi had generated a replacement card number. On XX/XX/year>, after not receiving the replacement card, I contacted Citi customer service. Citi representatives informed me that they had no record of a replacement card request being submitted. However, they were able to see and confirm the new card number that was displayed in both the Citi app and XXXX XXXX. Despite acknowledging the existence of the new card number, Citi representatives stated that they could not issue or send the replacement card associated with that number. Instead, they stated that they would issue yet another replacement card with a different card number. They also informed me that expedited delivery was not available, despite expedited delivery having been presented as an option in the Citi mobile app when I submitted the original replacement request. I requested escalation to personnel who could investigate the discrepancy between the replacement card request reflected in the Citi app and Citis inability to locate any record of that request. I was advised that I could not speak with the relevant fulfillment or card reissue personnel and that only internal feedback could be submitted. My concern is that Citis systems generated a replacement card number and reflected that change in both the Citi app and XXXX XXXX, yet Citi later claimed to have no record of the replacement request and could not provide the card that had apparently been issued. I am seeking an explanation of what occurred, confirmation that my account information is accurate and secure, and prompt delivery of a replacement card. I also request that Citi investigate why the expedited replacement option presented in the mobile app was not honored.

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 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I believe mandarich law group is charging excessive, unnecessary attorney fees. I don't want to be associated with this debt anymore due to my ex-husband ( who was in the XXXX ) being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I believe XXXX XXXX XXXX is charging excessive, unnecessary attorney fees. I don't want to be associated with this debt anymore due to my ex-husband ( who was in the XXXX ) being XXXX.

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