vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am writing to formally raise a complaint regarding the handling of my accounts and the significant inconvenience caused. I am a long-standing Capital One customer, maintaining a checking account, savings account, and credit card accounts. I have always conducted my banking in good faith and with full transparency. On XX/XX/year>, my aunt, XXXX XXXX, mailed me a personal check for {$30000.00}. Due to weather-related delays and USPS transit issues, I received the check on XX/XX/year>. I initially attempted to deposit the check via mobile deposit with my other banking institutions ( XXXX XXXX XXXX, XXXX, and XXXX XXXX ), but was unable to do so. I then deposited the check into my Capital One account. Once the funds were made available, I transferred them to my husbands account via wire transfer, as the funds were urgently needed for family purposes. Shortly thereafter, I was contacted by Capital Ones fraud department. I fully cooperated and provided all requested information, including confirming that the check was issued by my aunt and sharing her contact details. Unfortunately, during your teams outreach, my auntwho was under work-related stress at the timemisunderstood the inquiry. Since the check was issued from her XXXX XXXX account and she is also a Capital One customer, she believed the call was related to potential fraud on her own Capital One account. As a result, she did not confirm the transaction during that call. Later my aunt did confirm again that she authorized the check but they didnt accept that. Based on this misunderstanding, Capital One proceeded to freeze my accounts. Since then : - My accounts have remained restricted since 2 months with no clear resolution timeline. - Despite multiple follow-ups from my side, I have not received any meaningful updates beyond the investigation is ongoing. - I proactively offered to provide additional documentation or visit a Capital One XXXX in person, but no such options were facilitated. - I submitted supporting documentation, including an image of the check, via email. On XX/XX/year>, the situation escalated further when my Capital One credit card was closed without prior resolution of the matter. This action has caused additional disruption, as I had upcoming travel planned using this card. Moreover, I was recently charged an annual membership fee of {$390.00} for the period XXXX XXXX XXXX. Despite closing my account, I have been informed that I am still responsible for this fee and will not be issued a refund. I find this particularly concerning and unfair, given that the account closure was initiated by Capital One during an unresolved investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: DE

Complaint narrative:
On XX/XX/year> my loan had a balance of {$20.00}, XXXX. I mailed them a check for the balance owed, plus {$200.00} extra for any interest that might appear. ( {$20.00}, XXXX ) they received the check and applied it to my loan on XX/XX/year>. They took interest out of it so I called them and advised the check is for " principal only '', and asked if that was all I owed. I was told I still owed {$100.00} in interest, with interest it was {$100.00}. I paid this immediately to the CSR over the phone. Today is XX/XX/XXXX and my account still is not paid off. Bridgecrest has reversed my payments then put the $ XXXX payment back in exactly how it was with interest taken out. I have called them several times and I really would like my account notated as PAID IN FULL and they can mail me my title. Please see if you can find out what these people are doing because after talking with them several times it is obvious to me that no one there KNOWS WHAT THEY ARE DOING! AS STATED, I PAID THIS ACCOUNT OFF in full ON XX/XX/year>. THANK YOU FOR ANY HELP YOU CAN PROVIDE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am submitting a new complaint regarding Ally Bank and their continued withholding of my funds after account closure. My account has been closed, and I am not seeking to reopen it. The issue is that Ally Bank continues to hold my funds and has neither released them to me nor returned them to the originating XXXX account. The funds in question are my SSI XXXX benefits, transferred to me by a family member from their XXXX account. XXXX has confirmed that there is no fraud, no dispute, and no recall request associated with this transfer. Despite this : Ally Bank is requiring a letter of indemnity that XXXX has declined to provide Ally Bank refuses to coordinate directly with XXXX ( including declining a requested three-way call ) The matter has been in leadership review for over two weeks with no resolution timeline I have made repeated daily attempts to resolve this and provide additional information, without progress These funds have been held since XX/XX/year>. At this point, Ally Bank is neither releasing the funds to me nor returning them to the originating bank, and no clear justification or timeline has been provided. This effectively leaves my funds in limbo. I am requesting : Immediate release of my funds to me, or return of the funds to the originating XXXX account A clear explanation of the legal basis for continued withholding of these funds A defined and reasonable timeline for resolution A bank should not be permitted to withhold a consumers funds indefinitely without resolution, particularly when there is no active dispute from the originating institution. These are essential XXXX funds that I rely on for basic living expenses, and this situation has caused significant hardship. I am requesting urgent regulatory assistance to resolve 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 2026-05-06 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: MD

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Chime Financial , Inc. and their improper handling of my unauthorized transaction dispute under Claim ID XXXX. On XX/XX/year>, I reported multiple unauthorized XXXX transactions totaling {$110.00}. I submitted all required documentation, including eight supporting files, through Chimes dispute portal. On XX/XX/year>, Chime denied my claim, stating that no billing error occurred. This denial was issued without reviewing all available evidence, including documentation from the merchant. After filing my dispute, XXXX opened a fraud case and provided the following : XXXX Case Number : XXXX Written confirmation that XXXX will provide full documentation to support my bank dispute Confirmation that the transactions were unauthorized and tied to identity theft This evidence was not reviewed before Chime denied my claim. Chimes actions violate their obligations under Regulation Z ( Truth in Lending Act ) and applicable EFTA protections, which require a reasonable investigation before denying a claim. Closing the dispute before obtaining the merchants fraud documentation constitutes an incomplete and improper investigation. I am requesting CFPB assistance to ensure Chime : XXXX. Reopens and reinvestigates Claim ID XXXX XXXX. Reviews all evidence, including XXXX fraud case file XXXX. Removes the disputed amount from my upcoming statement during reinvestigation XXXX. Provides a written explanation of the final determination This situation has caused financial hardship and unnecessary stress. I followed all required steps, obtained merchant confirmation, and submitted evidence, yet Chime closed the dispute prematurely. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX, MD

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am not disputing accuracy. I am requesting a goodwill review that was never meaningfully evaluated. I mailed detailed goodwill packets to XXXX XXXX XXXX, but they were repeatedly routed to offshore customer service teams who could not review them. I received boilerplate responses that did not address my request. I have been a Chase customer since XXXX, went through a brief hardship in late XXXX, and paid the entire balance in full ( over {$15000.00} ) once I recovered. I would be sincerely grateful for any consideration, even partial relief, as I work to rebuild my credit. I am simply asking for a proper review by the appropriate team.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Oquirrh Mountain Law Group, P.C.
State: WV

Complaint narrative:
They were suppose to help me fix my credit and my credit didnt improve or anything and I paid all that money upfront and nothing was accomplished.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX amount XXXX XXXX XXXX called no information provided was told to dispute with credit reporting agency. XX/XX/XXXX amount XXXX XXXX XXXX same info none given advised call credit agency. XX/XX/XXXX amount XXXX XXXX XXXX called no information given advised call credit agencies. XX/XX/XXXX amount XXXX XXXX - called no information given was told to dispute with credit reporting agencies. XX/XX/XXXX Amount XXXX XXXX XXXX - called same thing was advised to dispute with credit reporting Agencies. XX/XX/XXXX amount XXXX XXXX XXXX - called no information was given advised call credit agencies XX/XX/XXXX amount XXXX XXXX XXXX - called no information given advised call credit agencies. XX/XX/XXXX amount XXXX XXXX -called same information none given advised to call credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing this complaint because my scheduled monthly payments with Capital One keep showing as canceled even though I did not cancel them. Specifically, my XXXX, XXXX, and XXXX scheduled payments were canceled, while XXXX and the remaining scheduled payments for the year stayed active. This makes no sense to me because I did not make any changes to selectively cancel only certain months. When I contacted Capital One, representatives stated they could not determine why the payments were canceled and could not provide proof that I personally canceled them. They only stated that because I logged into my account, they are assuming I canceled the payments, but they could not provide evidence, timestamps, device information, or any confirmation showing that I actually made those cancellations. As a result of these unexplained canceled payments, I was charged a {$40.00} late fee. I requested that the fee be removed due to the unresolved issue, but I was told they would not refund it. I believe it is unfair to charge me a late fee for a problem that Capital One can not explain or properly investigate. I am requesting a full investigation into why only certain monthly payments were canceled, documentation showing the cause of these cancellations, and reimbursement of the {$40.00} late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
XXXXOn XXXX XXXX XXXX, a Robinhood XXXX XXXX credit card was fraudulently opened in my name. The card is offered by Robinhood Credit, Inc. and issued by XXXX XXXX XXXXk as creditor and card issuer of record. The account was charged to a balance of approximately XXXX of a XXXX credit limit. I have been in continuous federal custody under the Bureau of XXXX since XXXX XXXX XXXX (XXXX Register No. XXXX XXXX XXXX XXXX I sent both XXXX XXXX XXXX and Robinhood Credit, Inc. certified-mail identity theft notices with my notarized affidavit, filed FTC Identity Theft Report No. XXXX, government ID, and XXXX custody documentation enclosed. The certified-mail return receipts (article XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, signed for by XXXX XXXX and article XXXX XXXX XXXX XXXX XXXX XXXX to Robinhood Credit) confirm both entities received the notices on XXXX XXXX XXXX XXXX XXXX XXXX eleven days after receipt of the identity theft notice Robinhood Credit sent me a collection email from XXXX with the subject line Your Robinhood Gold Card account is 18 days past due, demanding XXXX by XXXX XXXX XXXX This is a violation of the Fair Credit Reporting Act 1681s-2(a)(6) and the Fair Credit Billing Act 1666(c). The account has already been closed by the issuer for suspected fraud, which forecloses any reasonable belief that the debt is owed by me.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: January Technologies, Inc
State: WA

Complaint narrative:
On XX/XX/year>, I mailed a formal written pay-for-delete settlement offer to January Technologies, Inc. at their New York office regarding XXXX XXXX, XXXX accounts with a combined balance of {$530.00}. I offered {$220.00} as a lump-sum payment in full in exchange for deletion of all three tradelines from all three major credit bureaus upon payment. I requested a written settlement agreement confirming the terms before any payment would be made. January Technologies received my letter around XX/XX/year>. Despite receiving my written correspondence, January Technologies never responded to my settlement offer and instead continued sending collection emails repeatedly without addressing my proposal. I received over XXXX collection emails from January Technologies between XX/XX/year> and XX/XX/year>, none of which acknowledged or responded to my written settlement offer. Their continued collection activity without responding to my written correspondence demonstrates a pattern of ignoring consumer communications while continuing aggressive collection efforts. I am requesting that the CFPB investigate this matter and require January Technologies to respond to my written settlement offer and cease collection activity until they do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
On XX/XX/year>, I mailed a formal written debt validation request to Harris & Harris XXXX Ltd. via certified mail regarding an alleged medical debt owed to XXXX XXXX XXXX, reference number XXXX, in the amount of {$44.00}. Harris & Harris received my letter around XX/XX/year>. Despite receiving my written validation request, Harris & Harris continued to send collection emails after receipt of my letter without providing any debt validation. I received 3 collection emails from Harris & Harris after my validation letter was received on XX/XX/year>, and twice on XX/XX/year> none of which provided the requested debt validation. Each of these emails constitutes a separate FDCPA violation under 15 U.S.C. 1692g, as they continued collection activity without validating the debt as required by law. Harris & Harris never provided any of the requested validation documentation including proof of the original debt, itemized billing, or proof of licensure to collect in the State of Washington. Under 15 U.S.C. 1692k, each violation carries statutory damages of up to {$1000.00}. I am requesting that the CFPB investigate these violations and require Harris & Harris to cease all collection activity until proper debt validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Multiple times throughout this loan, we have become delinquent due to health problems and loss of jobs, and yet we have always somehow caught back up or did their extension. Nobody informed us that there is daily interest applied, weve had this loan since XX/XX/year> paying {$910.00} a month and our balance has not changed. There are multiple complaints and pending lawsuits against Exeter finance LLC for the same predatory practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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:
I am filing a complaint regarding unresolved unauthorized charges on my Chase credit card account. I originally reported an unauthorized transaction from the merchant XXXX as fraud in relation to a charge that occurred on XX/XX/year>. I did not authorize this transaction and have never used or created an account with this merchant. Despite this initial fraud report, the charge was later added back to my account on XX/XX/year>. I again contacted Chase and requested that the case be reopened on XX/XX/year>. I was told to wait four business days for a fraud specialist to contact me. However, I did not receive the promised callback. I followed up again on XX/XX/year> and was again told to wait an additional four business days. This has resulted in repeated delays without resolution. During my interactions with Chase, representatives repeatedly stated that the transaction was made through XXXX XXXX and implied it must have been authorized by me. I do not agree with this conclusion. I still have my phone, did not lose my device, and did not authorize any XXXX XXXX or wallet transaction. I also contacted XXXX regarding this issue. XXXX confirmed that when a purchase is made using a personal card in XXXX XXXX, the transaction is not processed or controlled by XXXX. XXXX clarified that disputes must be handled between the merchant and the financial institution. Therefore, XXXX is not involved in investigating or resolving these charges. This information with the email, was also shared with Chase 's Fraud Recovery on XX/XX/year>. Additionally, the same charge appearing across multiple credit cards suggests a broader unauthorized activity rather than a single transaction dispute. I am concerned this pattern is not being properly considered. I also note inconsistent handling of my accounts, where one of the same transactions was approved while another was denied. Previous steps taken I have XXXX XXXX Reported the original transaction as fraud on XX/XX/year>XXXX XXXX Had the charge later added back to my account on XX/XX/year>XXXX XXXX Requested reopening of the case on XX/XX/year> - Was told to wait four business days, then again on XX/XX/year>, was told to wait another four business days - Did not receive the promised fraud specialist callback XXXX Contacted XXXX as advised, who confirmed they do not process or adjudicate XXXX XXXXy disputes and that resolution must be handled by the financial institution and merchant - Had inconsistent outcomes across my accounts for the same transaction pattern ( one approved, one denied )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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:
I tried to purchase airline tickets on XX/XX/XXXX. I never received the airline tickets. It appears the company was fake as I was deceived by the merchant. I immediately disputed the charge due to not receiving services that I paid for and received a temporary credit from Citibank on XX/XX/XXXX which Citibank later reversed. The investigation was a long drawn out process in which I emailed all forms requested from Citibank in regards to the dispute on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX as well as spent several hours on the phone with representatives from Citibank trying to get reimbursed for the purchase in which the product was never received by me the consumer. It appears this transaction was the result of a scam in which I was mislead to authorize a payment. I am requesting the charge be removed from my balance and all related fees and interest charged as well.

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