vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I had an XXXX XXXX XXXX 's Credit Card. No problems. XXXX XXXX changed their card provider to CitiBank. That is their prerogative. When CitiBank took over from XXXX, CitiBank cancelled all the autopayments set up w/Barclays. However, when CitiBank stopped the autopayments BEFORE the new CitiBank card arrived, there was no way to pay the small balance due to XXXX ( CitiBank took over their accounts receivable ). I spoke w/ a " XXXX '' ( accent from XXXX XXXX on XX/XX/year> from XXXX & he stated on the recorded line that CitiBank cancelled the autopayments to XXXX. Then the new CitiBank card arrives & there is an interest charge! What the heck? It wasn't much- but it the principle of the matter that irks me. This is highway robbery w/o consumer protection - hence I'm coming to the Consumer Financial Protection Bureau for assistance to make this right. I'm sure my experience is not an isolated incident & that this is an underhanded way for CitiBank to make additional money unethically. I dare even say fraud!

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 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am filing a formal complaint against Chime ( partner bank : XXXX XXXX XXXX XXXX. / XXXXXXXX XXXX XXXXXXXX. ) regarding their failure to conduct a reasonable and good-faith investigation into a disputed transaction, a potential violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The Incident : On XX/XX/year>, I canceled an equipment order with XXXX XXXX due to a carrier shipping error. The XXXX agent confirmed the cancellation and explicitly promised a refund of {$57.00} to my original payment method ( my Chime debit card ) within 3-5 business days. When the 5-business-day window lapsed on XX/XX/year>, and the merchant failed to issue the promised credit, I initiated a " Credit Not Posted '' dispute with Chime for the {$57.00}. The Bank 's Negligence : On XX/XX/year>, Chime requested " proof of promised refund such as credit voucher or refund acknowledgement. '' I subsequently provided a complete, unedited, and timestamped PDF transcript of my XX/XX/XXXX chat with XXXX Customer Service. In this transcript, the XXXX agent explicitly states : " I've checked the order and was able to confirm that you should be able to get a refund for a total of {$57.00}. '' Provided a specific internal refund ticket number. " The timeframe from processing the ticket until you will get the refund amount on your card will be 3-5 business days. '' Despite providing the exact, undisputed admission of merchant liability requested, Chime summarily denied the claim on XX/XX/XXXX, stating " no error occurred. '' I forced two subsequent reinvestigations to ensure the raw PDF file was submitted precisely to their formatting standards. On XX/XX/year>, Chime closed the claim a final time, once again denying the dispute. Proof of Failure to Investigate : Under EFTA guidelines, I requested the documentation Chime relied upon to deny my claim. On XX/XX/year>, Chime sent an email detailing their " investigation. '' The email contained no actual file attachments, and the only evidence cited within the text was a basic ledger confirming the original XX/XX/XXXX charge from XXXX. This proves their " investigation '' consisted solely of verifying that the initial charge existed, willfully ignoring the core issue of the dispute : a promised credit that was never posted. They entirely omitted the undisputed merchant evidence I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: GA

Complaint narrative:
Wisely ( ADP ) took money from my account but did not pay the merchant. My balance went down, but the payment was never sent. This has happened more than once. When I contacted Wisely, they claimed they didnt know the transaction and refused to open a Regulation E investigation. One agent allegedly supervisor call disconnected and agent never responded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XXXX XXXX : received a text message saying {$430.00} was being stolen from my account and if I recognized this transaction from target and to say yes or no if that was me. I texted back and said no and then they said a representative from the fraud department would call me. XXXX Text message number : XXXX At XXXX I then received a call from XXXX. It lasted 1 hour an 58 minutes pretending to be wells fargo moved my money to XXXX XXXX and then sent my money to my new account ending in XXXX also Wells Fargo transaction ID : XXXX. They knew all of my information and were very detailed and trustworthy. The next day XX/XX/year> I expected to have my new account and the other canceled to realize that all my money was gone. So I called Wells Fargo and told them everything and said that it wasnt them and helped me from there. I also contacted XXXX XXXX and also filed a dispute through them. I have dealt with this for two months and keep getting the same response. That I authorized this transaction and that they sent me a message saying if I was authorizing this amount of money to go from my account but I did no movements of my money it was all the fraud people being Wells Fargo.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/year>, while visiting XXXX, I went to a hospital called As XXXX XXXX only to receive XXXX treatment that had already been prescribed to me by another doctor in XXXX. While I was there, the hospital performed an XXXX XXXX XXXX XXXX. However, at no point was I informed of any pricing or told that my card would be charged the amounts that later appeared on my account. While I was receiving the XXXX XXXX hospital staff requested my ID and my Robinhood XXXX XXXX. I provided them because I believed it was for normal intake purposes. I never authorized charges totaling approximately {$390.00}, and I never signed any document approving those charges. The hospital processed the following transactions on XX/XX/year>XXXX : XXXX {$340.00} XXXX {$57.00} I was in the hospital for no longer than approximately two hours. I did not stay overnight, XXXX XXXX, or receive major XXXX XXXX I was also never provided with : * an itemized invoice, * a receipt, * or any explanation of the charges before my card was processed. For comparison, I had previously stayed at another hospital in XXXX, XXXX for approximately XXXX days and XXXX XXXX XXXX there, and the total amount charged for that entire XXXX was less than {$350.00} USD. This further supports my belief that the charges processed by As XXXX XXXX were excessive, unauthorized, and inconsistent with the services actually provided. After leaving the hospital and discovering the charges, I immediately contacted the hospital, but they refused to help and stated that because I had already been discharged, nothing could be done. I disputed these transactions with Robinhood XXXX because I believe these charges were unauthorized and improperly processed without my informed consent. Initially, I was told the matter would be investigated and I received temporary credit. However, the dispute was later denied. After the denial, I contacted customer service multiple times. During these calls, representatives repeatedly told me the case would be reopened and escalated, but shortly afterward I would receive emails stating the dispute was closed and that no further action would be taken. Robinhood has failed to provide : * any signed authorization approving these charges, * any proof that the total amount was disclosed before charging my card, * or any itemized billing documentation from the merchant. I am filing this complaint because I believe Robinhood failed to properly investigate unauthorized charges and failed to adequately address my dispute despite repeated requests for escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: CA

Complaint narrative:
In XX/XX/XXXX, I entered into a transaction in XXXX that was presented as a coordinated financial solution involving XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The transaction included the purchase of a fractional ownership product and a related agreement to divest an existing XXXX timeshare. A central inducement for the transaction was a written guarantee stating that all monies ( {$38000.00} USD ) would be refunded if the timeshare divestment was not completed within the specified timeframe. The XXXX agreement also explicitly referenced the XXXX ownership ID, indicating that the transactions were interconnected. After the transaction, XXXX asserted that it had no relationship with XXXX, despite the contractual linkage and the coordinated presentation made during the sales process. This contradiction indicates that the transaction structure and associated risks were materially misrepresented at the point of sale. I disputed the charges with Chase. Chase issued temporary credits for approximately six months, then denied the dispute on XX/XX/XXXX, concluding that the services were received or available. Chase also informed me by phone that the decision was based on XXXX determination. I believe Chase improperly treated this as a service-related billing dispute rather than fraudulent inducement. During the investigation, Chase did not contact me to clarify the evidence or address the contractual refund guarantee and linkage between the entities. I requested that Chase reopen and reinvestigate the matter as fraudulent inducement, reverse the charges, and explain its reliance on XXXX determination. I submitted a formal written appeal to Chase by certified mail on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
XXXX XXXX opened a credit card without my consent opening date sometime around 2021, don't have accurate dates it was opened fraudulent and without my consent, I asked XXXX XXXX to provide me with all the steps they took before proceeding to open the account for thieves they DID NOT provide with the results, also asked them to provide written communication of me PHYSICALLY opening the account as they can't, asked them to provide transactions and statement as well. the company did not provide me NOTHING nor did none of the XXXX credit bureaus who denied my dispute but said they found it was accurate. Now XXXX XXXX sold the debt to a company called CAVALRY PORTFOLIO SERVICES which is reporting on my credit saying that I owe {$3000.00} for a debt I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Kikoff Inc.
State: MA

Complaint narrative:
This complaint is against Grant Money , LLC, which is a subsidiary of Kikoff , Inc. I'm also including XXXX XXXX XXXX and XXXX as well. Subject : Emergency Dispute : Unauthorized ACH Debits and Regulation E Violations by Grant Money , LLC XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX, and XXXX. Statement of Facts : This complaint is filed against Grant Money , LLC ( operating as Grant Cash Advance ), a wholly owned subsidiary of Kikoff , Inc., for executing unauthorized electronic fund transfers, and against XXXX XXXX XXXX and XXXX for failing to uphold consumer protection rights under federal law. No Authorization or Receipt of Funds : On XXXX XXXX XXXX Grant Money , LLC claims I requested and received a {$250.00} cash advance into my XXXX account. I strictly deny this. I never requested, authorized, or received these funds. Conclusive Evidence Provided : I have uploaded my official XXXX bank statement covering XX/XX/XXXX through XX/XX/year>. This certified document proves XXXX funds were deposited by Grant Money , LLC under any name. Predatory ACH Hunting : On my payday, XX/XX/year>, Grant Money , LLC initiated approximately 12 rapid ACH debit attempts against my XXXX account. When those failed due to insufficient funds, they bypassed that account and immediately targeted my XXXX XXXX XXXX XXXXXXXX checking account without explicit, separate authorization for this specific balance, pulling multiple ACH transfers totaling {$250.00}. Failure of Financial Institutions to Protect Consumer : I contacted both XXXX and XXXX XXXX XXXX immediately while the fraudulent transfers were processing. XXXX XXXX XXXX XXXX XXXX refused to halt the processing fraud, refused to escalate the matter to a supervisor, and refused to provide a Written Statement of Unauthorized Debits ( XXXX ) form, claiming I must wait for the stolen funds to post. This is a severe violation of my consumer rights under Electronic Fund Transfer Act ( EFTA ) Regulation E ( 12 CFR 1005.11 ), which requires financial institutions to investigate and protect consumers upon oral or written notice of error. Severe Financial Hardship & Requested Resolution : This unauthorized sweep completely drained my entire paycheck on payday, leaving me with XXXX funds for food, transportation, and basic living necessities. I demand that : Grant Money , LLC / Kikoff , Inc. immediately cease and desist all current and future ACH withdrawal attempts from all of my bank accounts and issue an immediate refund. XXXX XXXX XXXX immediately credit my account for the unauthorized money in processing debits via provisional credit or an emergency XXXX XXXX, and block Grant Money , LLC 's ACH merchant ID permanently. Best, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
I am a deaf individual protected under the Americans with Disabilities Act ( ADA ). I require reasonable accommodations for effective communication. I use two separate phone numbers because of my disability : XXXX Number ( XXXX XXXX XXXX interpreter ) : XXXX Cell Number ( for texting/data ) : XXXX Affirms automated system flagged a phone number mismatch with XXXX due to my two numbers. When I explained my XXXX and requested accommodations, Affirm support staff were unwilling to help. They insisted on a standard voice call and refused to : Perform manual identity verification using my government-issued photo ID Accept both of my phone numbers Communicate with me only in writing ( email or chat ) I have contacted Affirm support multiple times through their online form explaining the situation, but they continue to refuse any reasonable accommodation. This has prevented me from completing the verification process and getting my installment loan approved. What I want Affirm to do : Immediately conduct a manual identity review and verify me using my uploaded government ID. Add and accept both phone numbers ( XXXX XXXX and cell XXXX ). Communicate with me only in writing going forward. Resolve the XXXX mismatch so I can proceed with the loan. I have attached screenshots of my communications with Affirm and a photo of my government-issued ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: CA

Complaint narrative:
On XX/XX/year>, I paid {$740.00} to a jewelry merchant in XXXX XXXX, CA for a ring cleaning. The charge was made to my Citibank XXXX XXXX credit card via XXXX XXXX and posted the same day. When the ring was returned, the setting was completely broken and the center diamond was loose. The ring was undamaged when I dropped it off. The damage occurred while the ring was in the merchant 's possession. I documented the damage with photographs and am obtaining an independent assessment from a second jeweler. I filed a dispute with Citibank for the full {$740.00} on the grounds that the services were not rendered as agreed and that the merchant caused damage to my property while it was in their care. Citibank issued a conditional credit pending investigation. Citibank then notified me that it had completed its investigation and was unable to identify a billing error, and that the conditional credit would be reversed. At no point during the investigation did Citibank request supporting documentation from me, ask for the photographs I had, or contact me to hear my account of what happened. The investigation was closed without consideration of the evidence available. I am filing this complaint because Citibank reached a decision without reviewing the available evidence or giving me a meaningful opportunity to provide it. I am requesting that Citibank reopen the dispute, accept and review the photographic evidence and second jeweler 's assessment, and issue a full chargeback of the {$740.00} charge, along with a written explanation of the basis for any decision reached.

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