vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One is scheduled to close all three of my accounts tomorrow, XX/XX/year> XXXX personal credit cards ( including my Quicksilver card in perfect standing for over XXXX years ) and my Spark business card. This issue was triggered in early XX/XX/year> by a single charge on my new Spark business card. That transaction caused a proof-of-address requirement that froze all three accounts, including my XXXX long-standing personal cards that have been in perfect standing for years. I was told I needed a utility or internet bill in my name only. I explained that I live in my mother-in-laws house, so all bills are in her name. I contacted the gas, electric, and internet providers to have my name added, but they said they could not do so on the existing accounts. I would have to cancel service and start a new contract, then wait over XXXX days for a bill. I spoke with XXXX different fraud managers. The first one said my Capital One bank statements would be accepted. The next XXXX said they would not. I offered multiple other proofs of address ( other bank statements, car registration, IRS letter, insurance documents, XXXX bill, etc. ), all showing the same address, but they were rejected. On XX/XX/year>, fraud representative XXXX confirmed that a Capital One bank statement would be accepted. He sent me an upload link and I uploaded the document the same day. Capital One sent a closure letter dated XX/XX/year>, giving me XXXX days. Tomorrow, XX/XX/XXXX, is day XXXX. I am currently in the middle of a real estate transaction and will be closing on our new home on XX/XX/year>. I will not have bills in my name until XXXX. Today, a representative from the XXXX XXXX called and stated there is nothing they can do all three accounts will be closed tomorrow. I have been fully cooperative for over XXXX months, followed every instruction, and provided the exact document their own representative requested. Despite this, Capital One has given me inconsistent information and is refusing any flexibility during a major life event. I request that Capital One immediately halt the scheduled closure of all XXXX accounts and grant a reasonable extension until at least XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
In XXXX I closed all accounts for my mother with XXXX, as her financial power of attorney. It was difficult to get Wells Fargo to process and accept the power of attorney in the first place, even though everything was in order. I paid her credit card in full and closed all of her accounts, so I was told. The cards were destroyed on the day the account was closed, so I don't even have the card numbers anymore, or access to the accounts. I found out over a month later that they had not closed the credit card, only the savings and checking, and had been allowing charges to go through on the credit card. Their response was that the credit card division had not received the power of attorney document. They are insisting that the different departments can not share legal paperwork, even though it's the same company. I should not have to go through the process again with the same company. I've told them this 3 times in the conversation back and forth, over phone and email, and they refuse to contact their own internal departments.

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NY

Complaint narrative:
They keep raising my my pay then lowering it and taking my money for over a year and I want all my money back now they wont stop doing it I get paid the same amount and I been getting paid for 2-3 years on chime straight my job messed my check up and gave me {$390.00} like {$30.00} short of what I get I get XXXX XXXX I got the XXXX they raised my my pay from XXXX to XXXX then the next week I got paid regular paycheck and they took the XXXX again and the fees and lowered me again they literally keep doing it I dont got to {$300.00} and they just randomly took it back and took the money out my paycheck and lowered my limit now today I called they say its bc of your spending habits my criteria like what? My pay was supposed to be about your direct deposit and it was said to raise depending on how much you get paid in direct deposit in a month now its watching what I do and what I spend? And take money from my paycheck and lowering my limit how is this making sense and want my money back asap all of it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Texan Credit Corporation
State: TX

Complaint narrative:
They keep calling and harassing even going to where I live to collect the payment, I told them I didn't appreciate they going to my house, and harassing me like that

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 2026-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
XXXX of 2026 i called XXXX XXXX and asked if they could waive the fees for something they said was fixed on my vehicle but was not fixed. I also asked why rental fee was added on, because they told me it was a courtesy vehicle, and all i would have to pay is gas. A week of having the car i was noticing the coolant still draining. And not long after having the car my head gasket was blown, the leak was still happening. Then they asked me to bring the vehicle in, but i couldn't. I had no way of bringing it back and i did inform them of my financial situations. They told me to call Acima to waive the fees that were placed on my lease to see if i could get a lower payment and to take off the rental fee. So i did. Acima told me that they could not lower the fees or take off the rental fee. I called again XX/XX/XXXX to both XXXX and Acima and asked again why the rental fee is on there. So today ( XX/XX/XXXX ) i was told this wasnt a contract with XXXX, but XXXX is the one who has given us the courtesy vehicle. I was told by XXXX i only had to pay the amount of {$2000.00} something and they wouldnt add no charge of rental fee. And Acima charged me for using a " courtesy '' vehicle that they did not give me to use. So now i have a bill of $ XXXX. They did not provide me with the documents. Just my receipt of what i would be paying, which was only {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a payment to my credit card and I received an email stating my bank info was incorrect, I reviewed my bank info and everything was correct mt routing number and account number since I was reading it off my check book. Days later on my credit card app it said my account was currently restricted I called and they said it was due to incorrect banking info and a alert was sent to them, I tried to explain that my info is correct. Rep on phone stated there was nothing to do since the account was already closed all I could is reapply for another credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Was charged {$1100.00} for a product on XX/XX/2026 not as described via JP Morgan Chase credit card. I returned item with proof of false advertisement. The item I purchased was supposed to be new and not damaged. The item I received was damaged in shipment or via the shipper for using cheap packaging in a brown paper bag versus a box. I documented all of this and returned the product back to the shipper. A week later I was given emails and confirmation of return being completed and refund issued. I was given several receipts of this confirmation with my credit card showing a refund was issued only to not actually received a refund. After shipper gave me the run around would not resolve my issue I contacted Chase and disputed the charge. Shipper denied any wrong doings and refuse to refund even though on their website and via emails they confirmed the refund was done. I documented this evidence also and sent that information to Chase. Chase denied my claim saying the charges are valid when theyre not. I provided proof of return, receipt of returns, photos of the damage product, proof of return again when product was returned back to me and I sent it back. Company isnt reading my evidence and even after reiterating multiple times what the issue was they denied my claim saying they cant reopen the dispute as it was already closed by Visa even though I have evidence that back up my claim but they said they cant submit it because Visa already closed it. I sent more evidence and resent my information again to get another representative to look at it but they didnt look at it or ask for clarification. This was the issue to begin with as they automatically decided in favor without giving the consumer a chance to provide documentation to refute the merchant before deciding on the outcome like they usually do. I didnt receive a working product as advertised and Chase doesnt understand this and keeps saying my dispute is not a billing error. I need a higher up to actually review and see what my issue is as the billing department isnt looking over my evidence that clearly shows I didnt get what was advertised and that I returned the damaged item several times that XXXX XXXX sent to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
An account was opened with XXXX in XXXX without my knowledge or consent. Jefferson Capital now owns it and placed it on my credit report in XXXX. I disputed it with the bureaus, stating I never opened it, but they refused to remove it. I do not owe this money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Following an escrow analysis on XX/XX/year>, Pennymac failed to return my escrow refund of {$590.00} to me, the sole active borrower, in violation of RESPA guidelines. Pennymac 's system automatically disbursed my funds electronically to an outdated bank account from six years ago. This account was a joint account during my marriage, but following my divorce, it belongs exclusively to my ex-spouse. Pennymac effectively sent my funds to an unauthorized third party. When I called to complain, a Pennymac supervisor explicitly admitted the error and verbally confirmed that Pennymac would reissue the payment to me via a physical paper check. Relying on this official instruction, I waited. However, when I called back the following week to check the status, frontline customer service representatives went back on that promise, giving me the runaround and stating the reissue is still being reviewed by their back office for approval and they gave me an internal case number. Pennymac is dragging its feet on fixing a massive internal error and refuses to transfer my calls to the department they claim is the sole department that can answer my questions and resolve the issue. Their internal corporate approval delays do not absolve them of their legal obligation to deliver escrow funds to the correct borrower immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I would like to clarify that I was unaware money had been sent to my Zelle account at the time of the incident. I did not knowingly participate in fraud, request fraudulent payments, or intentionally violate any Zelle policies. The situation occurred approximately 23 years ago, and I believe my account may have been restricted based on circumstances I did not fully understand at the time. Since then, I have not had any repeated issues involving fraud or suspicious activity. I respectfully request a manual review of my case and reconsideration of the permanent restriction placed on my Zelle access. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bilt Technologies, Inc.
State: NC

Complaint narrative:
I had scheduled XXXX single payment for the statement balance of {$3800.00} for XX/XX/year>. The credit card company " Bilt '' and their partner " Cardless '' deducted the same amount twice on XX/XX/XXXX instead of XXXX as I had scheduled. I raised this issue with Bilt 's cards partner for payment processing on XX/XX/XXXX and asked them to refund the over deducted amount. They said they will review and get back to me without providing any ETA on when my refund would be processed. On XX/XX/XXXX I called Cardless again to get a follow-up on the refund request and they said someone will review and get back to me. Again did not provide any ETA on the overpayment refund which was deducted over a week ago. This delay in processing the refund has caused me to be short on funds that I planned for other bills I have to pay for. Credit Card companies normally charge penalties to their customers if payments are delayed. In this case it is the opposite and I would like to not only be refunded for the overpayment mistake that they have made, but also want them to compensate for the shortness of funds they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
I had a XXXX bill for Mobile service and WiFi service but switched to a different carrier,, I was told to send in my WiFi equipment, I did and have sent them the ups confirmation multiple times and are still charging me for it,, contacted the collection agency months ago gave them all info they said they would be in touch and I have now tried to contact them multiple times and havent heard anything,, Im being charged {$1300.00} when it should be a little over {$800.00} and I said I would be willing to pay once fixed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Unlawful and Indefinite Withholding of Funds ( {$3500.00} ) After Four Years Without Legal Justification I am filing this formal complaint against PayPal , Inc. for the unlawful, indefinite withholding of my funds totaling {$3500.00}. PayPal has held my property for over four ( 4 ) years without ever providing a formal written policy justification, compliance notice, or statutory reason for doing so. My US PayPal account was placed under a permanent limitation over four years ago.PayPal never issued a formal email notification detailing the exact reason for the lifetime hold, nor did they outline a legal justification to deviate from their standard 180-day ( 6-month ) maximum hold policy.I still retain active login access to the account, which clearly displays a locked balance of exactly {$3500.00}. I have repeatedly contacted PayPal via their phone support lines and their text chat service to request the release of my funds. During these communications, customer service agents have been entirely unable to provide any tangible, legal, or policy-based reason as to why my money is still restricted after more than 48 months.Because the window for any consumer chargebacks, disputes, or financial reversals against my account closed years ago, PayPal has zero financial exposure. They are keeping my property without legal authorization or due process. I have preserved full screenshot evidence of these chat conversations and account states.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
My mandatory credit card due date is strictly fixed on the XXXX of every month with Old National Bank. For the billing cycle closing in XXXX, the bank received a payment from me on XX/XX/XXXX in the amount of {$150.00}. By federal law, a bank must promptly credit a payment on the exact date it is received. Because this payment was made on XX/XX/XXXX, it occurred after the XX/XX/XXXX due date and physically landed inside the new billing cycle period. Therefore, this payment must be calculated as a credit applied to the cycle period concluding with the upcoming XX/XX/XXXX due date. Instead, the bank is treating this XX/XX/XXXX payment as if it belonged to the old statement period, while simultaneously demanding an additional {$40.00} minimum payment for the XX/XX/XXXX due date. This forces me to make XXXX separate payment allocations within the exact same cycle period time to avoid penalty flags. To protect my account from further unfair penalty flags and to safeguard my XXXX XXXX promotional rate while this dispute is investigated, I am being forced to pay the additional {$40.00} on top of the {$150.00} I already paid on XX/XX/XXXX. This constitutes an unfair double-payment demand within the same cycle period.

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 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am reporting LVNV Funding LLC and its servicer, Resurgent Capital Services L.P., for violations of the FDCPA ( 15 U.S.C. 1692e ) regarding an alleged XXXX XXXX XXXX account ( # XXXX ). On XX/XX/XXXX, the company issued an 'Account Summary Report ' asserting a 'Current Balance Due ' of {$730.00}. However, the XXXX XXXX billing statement they attached as 'verification ' ( Statement Closing Date : XX/XX/XXXX ) records a 'Payments & Credits ' entry of - {$730.00}, resulting in a legally binding 'New Balance ' of {$0.00}. Because the underlying master ledger shows a {$0.00} balance, the company is actively reporting and collecting a fabricated balance. Furthermore, the company admitted in writing that the debt is time-barred under New York law ( CPLR 214-i ). Despite this, they continue to report this invalid {$730.00} balance to credit bureaus to coerce payment. This is a false representation of the character, amount, and legal status of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: MD

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX ] Via Certified Mail BEST BUY/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist / Demand for Deletion Account Number : XXXX To Whom It May Concern, This letter serves as formal notice that I dispute the validity, accuracy, and enforceability of the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and applicable consumer protection laws, you are hereby instructed to cease and desist all collection activity, reporting, and communication regarding this account unless and until you can provide competent legal validation of the alleged obligation. I request immediate cessation of : * Telephone calls * Collection letters * Electronic communications * Reporting to any consumer reporting agency * Transfer or sale of the alleged account * Any further collection efforts Under FCRA 1681e ( b ) and 1681i, all information furnished to consumer reporting agencies must be complete, accurate, and verifiable. I dispute this account in its entirety and demand strict proof of the following : * Original signed agreement bearing my signature * Complete payment and accounting history * Proof of lawful ownership and authority to collect * Verification of the balance being reported * Proof of the date of first delinquency * Evidence of Metro 2 compliance * Documentation validating every reported late payment and charge-off notation Please take notice that under UCC 1-308 , I reserve all rights without prejudice and do not consent to any assumption of liability absent verified proof of claim. Failure to provide competent evidence validating this alleged debt requires immediate deletion of the account from all consumer reporting agencies pursuant to the FCRA. Additionally, continued reporting or collection of disputed and unverifiable information after receipt of this notice may constitute : * Defamation * Negligent or willful noncompliance under the FCRA * FDCPA violations * Consumer protection violations under federal and state law You are hereby directed to : 1. Cease all collection activity immediately ; 2. Cease furnishing information regarding this account to all credit bureaus ; 3. Delete the tradeline from all consumer reporting agencies ; 4. Provide written confirmation of deletion and cessation of collection efforts. Any further communication other than written confirmation of compliance will be considered harassment and evidence of continued noncompliance. Without Prejudice, UCC 1-308 Sincerely, [ XXXX XXXX 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 non-monetary relief