vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/XXXX, a {$2000.00} insurance deposit hit my account. Chime 's automated split failed, miscalculating the initial routing balances, creating a double-deduction on my checking ledger, and leaving an unallocated cash deficit of {$560.00}. My app timeline displays corrupt, impossible out-of-order timestamps. Phone support supervisors refused to review the processing error and hung up on the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am an US bank XXXX XXXX credit card holder since several years ago. I can't place travel order via their travel center, I was told there was a holder put on my card because of dispute. I talked to the customer service department and got supervisors involved, but no resolution, the holder keeps me from booking online. The more serve issue is I was told my card is blocked for use because I needed to have verification, I asked why I needed the verification, no one can tell me, supervisors just hang up my phone call w/o explanation. I have been struggled those situation for a few months, never get my issues resolved. I asked to close my credit card and get refund my annul fee, which I never used my card to have benefits. no refund I was told so.

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 2026-05-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I got a business gift card as a bonus for XXXX dollars from my work and the card declined after the first attempted purchase and then locked the card and now I dont have access to my earned funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
Please reference my complaint # XXXX marked as resolved by XXXX XXXX . It is absolutely not resolved. I have made a monumental effort to have this resolved, often faced with confusion on the part of Dispute Department as to why XXXX XXXX Resolution Dept will not allow my refunds. Every day I try long phone calls explaining again and again. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding Planet Home Lendings reporting of a late mortgage payment for XX/XX/XXXX in the amount of {$4400.00}. Prior to my loan being transferred to Planet Home Lending, my mortgage was serviced by XXXX XXXX. From XXXX until the transfer, I maintained a positive payment history and had no reported late mortgage payments. Following the transfer of servicing and during a forbearance-related period, a late payment for XX/XX/XXXX was reported to the credit bureaus. Based on my understanding of the status of my account and the circumstances surrounding the servicing transition, I do not believe this reporting accurately reflects the situation. I have contacted Planet Home Lending on multiple occasions and requested a review and removal of the late payment. My requests have been denied without what I believe to be adequate consideration of the circumstances, my prior payment history, and the confusion related to the transfer and forbearance status. This single late payment has caused significant harm to my credit profile despite years of responsible mortgage payment history. It may also negatively impact employment opportunities and other financial opportunities that require credit review. I am requesting that Planet Home Lending conduct a thorough investigation, provide documentation supporting the reporting of the XX/XX/XXXX late payment, and consider removing the late payment from all consumer reporting agencies based on the circumstances of the account, my otherwise excellent payment history, and the servicing transition.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: IL

Complaint narrative:
I was scammed out of the amount of {$3000.00} USD on XX/XX/year> by two individuals claiming to represent XXXX XXXX XXXX. I only wished to donate an amount of {$5.00}. They used tap to pay. Upon realization the amount due was {$3000.00} I notified my credit card company, Robinhood. On XX/XX/year> Robinhood notified me they were unable to reimburse my {$3000.00} then I submitted an appeal on XX/XX/year>. Still they sided with the vendor and I reached out to the real XXXXXXXX XXXX XXXXXXXX organization and they confirmed there was no donation received for the amount of {$3000.00} and could not pull any transaction history from my credit card. I have since appealed again on XX/XX/year> with evidence supporting my fraud claim from XXXX XXXX XXXXXXXX XXXX fraud team stating they never received funds in the amount of {$3000.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: CA

Complaint narrative:
I opened a Capital One business checking account in XX/XX/XXXX in connection with a promotional cash bonus offer. I understood that I would receive the bonus by early XX/XX/XXXX if I completed all qualifying requirements. I timely deposited the required amount of funds into the account, maintained the required balance during the promotional period, and completed multiple transactions in good faith to satisfy the transaction requirement for the bonus. Because the promotion terms were not sufficiently clear regarding whether debit card transactions qualified, I proactively contacted Capital One customer service by phone after completing the required transactions. A Capital One representative explicitly informed me that my debit card transactions WERE qualifying transactions for the promotional bonus. I relied on this information when continuing to maintain and use the account. Shortly afterward, my wife, who opened the same type of Capital One business checking account under the same promotion, contacted Capital One customer service regarding the same issue. She was told by another representative that debit card transactions were NOT qualifying transactions. Due to these contradictory statements, we contacted Capital One multiple additional times seeking clarification. Different representatives repeatedly provided inconsistent and conflicting information about the promotion requirements. At various times, we were told both that debit card transactions qualified and that they did not qualify. Capital Ones representatives provided materially inconsistent and misleading information regarding the eligibility requirements for the promotional bonus. As customers, we made financial decisions and account activity based on the representations made by Capital Ones customer service agents. Despite our repeated efforts to verify and comply with the requirements, we did not receive the promised promotional bonus as of XX/XX/XXXX. We requested escalation and further investigation from Capital One, but the matter remains unresolved. I believe Capital One failed to provide clear and accurate information regarding the promotion terms and provided misleading and contradictory guidance through its customer service representatives, resulting in financial harm and denial of the promised bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Creditly Corp.
State: IL

Complaint narrative:
I requested and received a cash boost / advance from Credit Genie online on XX/XX/year> for {$100.00} with a repayment date of XX/XX/year> which coincided with my next paycheck. On XX/XX/year> I sent 2 requests to revoke authorization for ACH and debit card transactions. One message via Credit Genie chat and one message via direct email to the company. Ticket numbers XXXX and XXXX. I received a canned message that I would receive a response the following business day. On XX/XX/year> I emailed Credit Genie again requesting confirmation that they received my request to revoke ACH authorization and debit card withdrawals including fees. After no response for several hours I logged into the credit genie mobile app and discovered that Credit Genie changed the cash boost repayment date to XX/XX/year>. I sent another email regarding the changed repayment date and reiterated that I revoked authorization for ACH and debit card withdrawals on XXXX. I again requested confirmation that the received my request and asked for an explanation about why the repayment date changed after I requested to revoke ACH authorization. Credit Genie did not respond to any of my emails and proceeded to withdraw {$110.00} ( including fees ) from my bank account today XX/XX/year> 1 day earlier than the actual repayment date. After withdrawing the funds from my bank account they responded to my email today XX/XX/year> saying my account is now closed and ACH authorization is cancelled although they proceeded with repayment debiting my bank account on XX/XX/year> and confirmed by my bank. Credit Genie deceptively responded to my email after processing repayment. Credit Genie intentionally failed to honor my revoke ACH authorization and debit card request. They are in violation of the terms and conditions for revoking ACH authorization and debit card authorizations as set forth on there website. They violated the terms of the agreement by initiating repayment 1 day early. They did not respond to my initial email within 1 business day as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to formally dispute the information reported on my credit report because it is inaccurate and misrepresents my actual credit history and account status. After reviewing my report, I found clear discrepancies that suggest the information is incomplete, outdated, or incorrectly reported, and it is unfairly damaging my credit profile. I expect an immediate and thorough investigation into this matter, along with proper validation of the account in question. If you are unable to verify that the information is accurate and complete, it must be corrected or removed without delay in accordance with applicable laws.

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 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute the information reported on my credit report because it is inaccurate and misrepresents my actual credit history and account status. After reviewing my report, I found clear discrepancies that suggest the information is incomplete, outdated, or incorrectly reported, and it is unfairly damaging my credit profile. I expect an immediate and thorough investigation into this matter, along with proper validation of the account in question. If you are unable to verify that the information is accurate and complete, it must be corrected or removed without delay in accordance with applicable laws.

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 2026-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
I bought a couch for {$300.00} on XXXX XXXX from XXXX XXXX in XXXX, Ohio. She told me I had to send half the money upfront to hold the couch and then the rest was needed for the delivery truck from her uncle. I sent money to her on Cash App. I disputed the claims with Cash App and XXXX XXXX and neither of them will help me and keep denying the claims have any merit and that the other party is responsible. Then Cash App ended up refunding 1 of the transactions and confirmed it was a scam. They gave back {$150.00}. But they have taken over a month researching the other transaction and they continuously deny the transaction. They confirmed it was a scam. I need them to refund the remaining transaction. I have proof and screenshots with XXXX asking for the money and then blocking me on XXXX and the speaking with my husband. She claims to have crippling XXXX and got stressed out and thats why shes didnt deliver the couch. She spent the money on her electric bill and has still not refunded us through cashapp. She sent a picture of her bank account not even having {$1.00} in it. Im not trying to be rude but thats not my fault. She still could have at least given us the couch but she didnt even do that so now we have no couch and have been taken advantage of for {$300.00}. This should not be denied and the very least her Cash App account should be deactivated because she never provided the goods sold and took our money. Please help me. Cash App but keeps refusing to help me. The issue is, she never delivered it so it is fraud. She took the money and spent it without delivering it. So it is fraud and a scam. And her XXXX did show she just did this to someone else too. And now her XXXX is deactivated. Please refund my money. This is insane the amount of time this is taking to give me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Summit A*R, Inc.
State: WA

Complaint narrative:
I am filing this complaint regarding an alleged outstanding balance of {$1100.00} that has been incorrectly referred to collections. This balance was paid in full on XX/XX/XXXX, directly to XXXX XXXX XXXX XXXX XXXX through my XXXX XXXX XXXX insurance benefit. I have documentation confirming that the payment was issued. Despite this, I later received communications from Summit AR, Inc., a debt collection agency, claiming that the same balance remained unpaid and demanding payment in XX/XX/XXXX. I have taken the following steps to resolve this matter : 1. Confirmed with my credit card benefit service that the payment was issued. 2. Attempted to contact XXXX to verify the account status. 3. Received no meaningful response or resolution from XXXX. 4. Continued to receive collection notices from Summit AR. 5. Filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. 6. XXXX responded by stating that they had never cashed the check. However, this matter has remained unresolved for nearly two years, and I was never notified during that period that there was any issue with the check or the payment process. 7. I contacted Card Benefit Service and requested that the check be reissued. The reissued check was sent on XX/XX/XXXX. Although I have made repeated efforts to resolve this matter in good faith, XXXX has failed to communicate clearly or provide timely updates by email or phone. I believe it is unfair and unreasonable for this balance to be referred to collections when the payment was already issued and when I was never informed that XXXX allegedly did not cash the original check. I am requesting that XXXX immediately update my account, confirm receipt of the reissued payment, withdraw this matter from collections, and instruct Summit AR, Inc. to stop all collection activity related to this balance. I also request written confirmation that I do not owe this alleged balance and that no negative credit reporting will result from this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened two approved business accounts with Chase Bank approved by Illinois Secretary of State and IRS for IllinoisXXXX XXXXXXXX XXXX XXXXXXXX XXXX, both of those accounts were to assist Collegiate students and mentor youth students. This decision also affected my personnel Chase account after 20 yrs of being a customer for no apparent reason after these two accounts were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I accidentally sent {$120.00} to another user. I have documented proof that the recipient admitted the mistake and explicitly authorized a refund. However, Cash App blocked the recipient 's attempt to send the funds back because the recipient has an owed balance. Instead of facilitating the authorized refund, Cash App has effectively seized my {$120.00} to settle a third party 's debt to their platform. I have appealed this three times with Cash App, providing screenshots of the recipients authorization and their failed attempts to return the money, but Cash App continues to deny the refund. This is an unfair practice where my accidental funds are being used by the platform for debt collection against another user without my consent. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX we purchased a XXXX XXXX XXXX XXXX ( XXXX XXXX ) from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. We traded in a XXXX XXXX XXXX XXXX XXXX with less than 4,000 miles essentially a brand new car and a XXXX XXXX XXXX XXXX XXXX that had only one previous owner for less than one year, also in excellent condition. Our Wells Fargo loan ended up at {$55000.00} at 14.48 % interest with a monthly payment of {$1200.00}. The vehicle 's MSRP was approximately {$30000.00} our loan is nearly double what the car is worth, leaving us severely underwater. The following fraud occurred : ( 1 ) The XXXX XXXX XXXX XXXX XXXX trade-in does not appear anywhere in our 15 pages of purchase documents despite being traded in at purchase. ( 2 ) Our Wells Fargo loan contract falsely shows {$7500.00} cash we brought to the deal we walked in with no cash, only two trade-ins. ( 3 ) Approximately {$24000.00} in negative equity was rolled into our loan without our full informed consent. ( 4 ) Our purchase contract states 14.29 % interest but Wells Fargo is charging 14.48 %, a Truth in Lending Act violation. ( 5 ) We do not recall agreeing to XXXX add-on products including a service contract ( {$3900.00} ) and road hazard ( {$660.00} ) added to our loan. ( 6 ) We signed a power of attorney to XXXX XXXX which we believe was used to facilitate unauthorized transactions. ( 7 ) Approximately one month ago we brought the car in for a recall and asked for help XXXX offered to put us in the same situation with a XXXX model only if we paid {$5000.00} down which we do not have. ( 8 ) Earlier this week we called XXXX to find out what we signed for and whether we had XXXX insurance we were transferred repeatedly, promised callbacks that never came, and received no answers. ( 9 ) We emailed Sales Manager XXXX XXXX explaining our full situation and received no response. ( 10 ) XXXX 's refusal forced us to contact XXXX, Wells Fargo XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX directly for our records. ( 11 ) My husband is a 100 % permanently and totally XXXX veteran. XXXX complaint # XXXX filed with no resolution. Please note we are still waiting for emails to come in with loan payoff information from XXXX and XXXX and the contract/road hazard contracts from 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 2026-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this complaint regarding Chase Executive Office 's bad-faith handling of case number XXXX. Chase has issued a final denial regarding a {$6000.00} ACH debit pulled by a merchant operating under the name " XXXX XXXX XXXX. '' Chases Executive Office explicitly acknowledges in writing that the merchant has " no legal counterparty '' and is a fraudulent entity based on official New York Department of State records provided to them. Despite documenting and admitting that this merchant is a legal fiction committing institutional merchant fraud, Chase is refusing to invoke standard XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) network rules regarding absolute failure of consideration and total non-performance. Chase is hiding behind the claim that the transaction was initially " authorized '' to protect a documented, non-existent fraudster 's retention of {$6000.00} in consumer funds rather than protecting their own consumer. Furthermore, Chases letter acknowledges that the merchant is engaging in " predatory extortion '' and " threats '' against me, yet they are refusing to trigger the appropriate dispute pathways for services not received/fraudulent merchants. Chase is effectively facilitating the transfer and retention of consumer funds to an illicit, non-existent entity. I request that a senior regulatory compliance officer review Chases failure to properly investigate merchant validity and reverse this unauthorized retention of funds.

Company response to consumer: Closed with explanation