vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I booked travel through Capital One XXXX using rewards points and cash. The reservation was never properly ticketed, which Capital One has acknowledged was not my fault. As a result, I did not have a valid ticket for my scheduled flight and experienced significant disruption and had to rebook my own last minute flight for myself and very small children. Capital One has issued partial refunds and points totaling approximately {$1600.00}, but this does not match the full amount I paid or the total financial impact caused by their ticketing failure. I have not received a clear breakdown or full reimbursement. Despite multiple hours of communication and escalation, the issue remains unresolved. I am requesting full reimbursement to restore me to the position I was in prior to this error, including all points used, all cash paid, and any additional costs incurred due to the failure. I have spent over XXXX talking to multiple people in your company and I was verbally informed that I was not at fault for any of the issues that happened between XXXX and airlines used. While I have received approximately {$1600.00} in refunds and points, this does not match the full amount I paid or the financial impact caused by this failure. Based on my records, between booking XXXX flights and rebooking fee : Total paid : {$6900.00} Total refunded : {$1600.00} I am also requesting a clear written breakdown of all refunds and adjustments made to my account. They refused to give me written confirmation of anything, including reasoning why they refunded what they did. They refused to give me employee id 's for XXXX people I talked to in just last day of trying to resolve this.They refused to share transcript of calls wirer they admitted they are at fault. They refused to share a ticket/case number for my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
b'Closed my chase accounts without even letting me know'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding an unjustified restriction placed on my Capital One credit card accounts. I mistakenly entered an incorrect bank account number when attempting to make a payment. The payment was returned because the account was invalid. This was an honest input error and not an attempt to make payment from an unauthorized account. Immediately after discovering the issue, I contacted Capital One and fully cooperated with their investigation. I provided all requested documentation, including : * A written explanation letter * Government-issued identification * Bank statement for the valid account I use for payments Despite providing these documents and maintaining communication for several weeks, Capital One has refused to remove the restriction and continues to request a bank statement for an account that does not exist and was entered mistakenly. It is impossible for me to provide documentation for an invalid account number. I am requesting that Capital One conduct a reasonable review of the documentation already provided and either : Remove the restriction and restore normal account access, or Provide a clear written explanation of the specific reason for maintaining the restriction. I have acted in good faith throughout this process and am seeking a fair resolution. My Full name is XXXX XXXX PHONE NUMBER ( XXXX ) XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX EMAIL XXXX XXXX CREDIT CARD LAST FOUR DIGIT XXXX PERSONAL CREDIT CARD LAST FOUR DIGIT XXXX PAYMENT WAS MADE ON XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IN

Complaint narrative:
I have worked a XXXXXXXX XXXX XXXXXXXX months at a qualifying employer. If XXXX had not been in litigation over the save plan, I would have already made my XXXX XXXX XXXX XXXXXXXX on time payments, but because it was tied up in litigation, they put my loans in forbearance. So I applied for the buyback in XX/XX/year>, and I've called twice to see what the status is of my application. No one at XXXX can tell me anything or when my application will be processed.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/year>, I made an online purchase of {$340.00} at XXXX XXXX XXXX. On XX/XX/XXXX, it was marked arrived. Despite it saying delivered, I did not receive the package. Because it was late in the evening, I waited until the morning of XXXX to reach out to XXXX XXXX XXXX to inform them I did not receive my order. The customer service representative told me their policy states there are no refunds on orders marked delivered, even if delivered to the wrong address. They told me I would need to check with carrier ( XXXX ) or reach out to my bank ( XXXX ) to dispute the charge. First, I went to XXXX. I was asked to give the claims representative time to speak with the driver delivering that day. However, a few days later, the representative reached out to me and told me the driver not got back to her and at this point she was also convinced the package was delivered to the wrong place. She told me XXXX XXXX XXXX, as shipper, would have to request the refund. After being told by them they would not do that, I finally reached out to Venmo. I started my dispute process on XX/XX/XXXX. I have not been contacted once regarding my dispute. I uploaded documents showing my order, delivery, delivery photo, XXXX complaint and The XXXX XXXX response. I have called on multiple occasions requesting an update, but was told each time to wait until today, because the dispute will be completed by today. However, when I called this afternoon, representative suddenly had a new story. She told me I would need to wait up to 50 days for item not received dispute resolution. This contradicts the XXXX business days XXXX website states. It is incredibly disappointing that Venmo is continuing to fail their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CATHAY BANK
State: CA

Complaint narrative:
I was scammed for {$600000.00} by a romance scam. I was asked by the online scammer ( romantic con-artist ) to invest in XXXX XXXX XXXX XXXX XXXX I wrote a cashier 's check worth {$600000.00} to that company. I don't work for them but the cashier 's check was endorsed with my name. I am NOT their employee so I CAN NOT endorse the check. I have attached the copy of the check copy from the bank. It shows my name on the back of the check. This is fraud or scam. My bank is XXXX XXXX. that's where the money was drawn from. Cathay Bank was where the check was deposited. Cathay Bank needs to give me back my money. They falsely cashed my check by having my named endoresed on on the back when I am not an employee of XXXX XXXX XXXX XXXX. It is a fake company. I went to Cathay Bank and they ignored me. They did not help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My XXXX synchrony was transferred due to the relationship closing with Synchrony. Instead of just keeping the same preferences, they've removed paperless and are now saying I will have a paper statement fee. Also, they didn't continue my auto enroll pay and so I have to reenroll but when I did, it said I had to call in. Alot of these are what I perceive to be unscrupulous ways to charge fees.

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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo snuck behind their customers back and raised the minimum checking balance from {$500.00} to {$1500.00}, and only informed its customers through a bank statement on the last page, something most customers only glance at and never get to the back page. Its caught thousands of people off guard and theyve made a ton of money on their fee that went up to {$15.00} weve been being charged {$15.00} per account since XX/XX/year>!!!

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 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I am filing a complaint regarding a loan that was processed through a contractor and financing company. At the time of sale, I was verbally promised XXXX months no-interest financing by the contractor XXXX XXXX representative. I agreed to move forward with the project based on those specific terms which was from Mariner Finance. However, the loan that was ultimately processed does not reflect the terms that were presented to me. The financing agreement differs from what was clearly explained prior to signing. Additionally, there were concerns during the signing process, including being asked to re-sign documents through XXXX, which raises further concerns about whether the terms were properly disclosed and agreed upon. I believe this situation involves misrepresentation and potentially deceptive sales practices, as I relied on the information provided to me in good faith when agreeing to the financing. I have since attempted to resolve this issue directly with the company and financing institution, but no satisfactory resolution has been provided. Requested Resolution : I am requesting that the loan be : Corrected to reflect the originally promised XXXX no-interest terms, OR Canceled and the financing reversed entirely I also request a full review of the documentation and sales process associated with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I purchased XXXX XXXX pills from a company called XXXX XXXX. Within XXXX minutes of buying the pills, I discovered through a video that was only made accessible to me from the seller about the product was potentially dangerous to my brain health. In a XXXX video, which was made available to me only after I purchased the product, the seller stated that if I stopped taking the pills too early, my brain could be in worse shape than before I started taking the pills. The company did not state specific terms for what constitutes stopping consumption of the pills too early. I also discovered upon researching the company and the product online that the videos in their advertising were completely fraudulent and used AI generated images of XXXX XXXX. In the video, XXXX XXXX is shown as saying that he developed this product because his father died of XXXX. I learned through research on the Internet that XXXX XXXX is not involved in the making of XXXX XXXX at all. These are reasons why I have wanted to return the product for a full refund. PayPal refused to grant my refund from their company. I contacted XXXX XXXX within XXXX minutes of purchasing the pills. XXXX XXXX ignored my request for a refund and then proceeded to send me the product, after I told them explicitly through an email that I did not want the product.I learned from my bank, XXXX XXXX over the phone yesterday, XX/XX/XXXX, that the bank will be denying my request for credit from their institution, also. This is very concerning to me because the product is obviously dangerous, by the sellers own admission, and their advertising is completely fraudulent, with regard to images of XXXX XXXX that are not real. XXXX added piece of information that I would like to include is that PayPal initially told me through their AI assistant that my payment for the product was declined and that the order would not go through. This proved to be a false, inaccurate statement. Also, when I contacted XXXX XXXX XXXX XXXX XXXX on XXXX separate occasions for information on where and how to return the product, I was given slightly different address information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 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: KS

Complaint narrative:
I went to go look at a car to buy on XX/XX/XXXX at a carlot I had bought a car from in the past the car I looked at had issues so the carlot said they would fix it. On XX/XX/XXXX I went back to the carlot because they said they fixed the issue I test drove the vehicle and had a mechanic check it out and the issue was not fixed I have photos showing it wasn't fixed so I decided not to buy the vehicle and left then XXXX weeks later I go to look at another car and I got on my app to tell them how much down I could put and I realized my money was gone I had XXXX transactions taken out of my account XXXX on XX/XX/XXXX for XXXX and XXXX on XX/XX/XXXX for XXXX both from the carlot I decided not to buy a car from. I bought one in the past from them in XXXX beginning of XXXX and they prob still had my payment saved I did not authorize them to run my debit card either time I reached out to chime for a charge back they said ok I would receive provisional credit in XXXX days that was XX/XX/XXXX and still till this day I have yet to receive it they told me my dispute was categorized wrong and they escalated the issue which would take XXXX days to fix then a additional 10 days before I receive anything even though they are the ones who messed up when filing my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was involved in a romance scam where I was tricked to invest {$200000.00} in XXXX XXXX XXXX XXXX XXXX. I wrote a casher 's check worth {$200000.00} to this fake company and it was endorsed fraudulently. I do not work for XXXX XXXX XXXX XXXX but I was told to endorsed the check and it was cashed. This is fraud since I am not their employee and this is a fake company. I was scammed. There's already a case with FBI XXXX. My case number is XXXX This is a fake company, I don't know how BMO Bank of N.A allow them to cash the check with fraudulent endorsement when I don't work for any of them. Under UCC 4-207 ( 2 ), BMO should know their customer 's signatures. That signature was faked and cashed.

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 2026-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXXThey closed my account without even letting me know'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: O'Currance, Inc.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Untimely response