vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 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:
My complaint is against CITI CARDS. for fraudulent charges on my XX/XX/year> statement. For the the first few months I was given credit while " investigating '' the two charges one for {$5700.00} and the other for {$1300.00}. These charges occured at a XXXX store in XXXX XXXX, CA. ( I live in XXXX, CA. ) I have sent registerd letters to Citi Cards and have documented everything. Here is what happened : A purchase at XXXX XXXX XXXX of roofing and building supplies for the {$5700.00} and another six days later at the same store for {$1300.00} in appliances. But on that same day I purchased stamps in XXXX XXXX with my card and have the receipt with my card number on it. The distance between these purchases is over XXXX miles. Citi Cards finally gave me credit for the {$1300.00} but not the other. I am XXXX XXXX XXXX, I don ' [ t purchase any more than XXXX per month on my card. The two fraudulent purchases were from the SAME STORE yet the credited me for just one of the charges, the smallest amount. I have all the receipts, letters, etc,.

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 2026-06-03 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
XXXX Amex denied my claim because Amex said I authorized the charges in question. I am requesting documentation to support that assertion

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
I lost my wallet which contained my debit card transactions were made on my card for {$2900.00}. In which I reported the same say after trying to find my card, I have provided current with a police report after they told me that this would qualify as proof that I did indeed lose my card and unauthorized charges were made. The charges were made in South Carolina. I am a resident of North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint against Capital One due to an ongoing, unresolved suspension of my XXXX XXXX credit card account that has lasted nearly two months, causing severe financial distress while my family and I are traveling internationally. Timeline of Events : XXXX XX/XX/year> : My XXXX XXXX account was restricted and placed under review without warning. Capital One requested verification documentation. Immediate Action : I promptly uploaded all requested documentation to Capital One 's secure portal right away. XX/XX/year> : After weeks of silence, I sent a formal escalation email to Capital One 's Executive Escalations Team requesting an update. XX/XX/year> : A Capital One representative called me, but they were completely unprepared, possessed zero context regarding my case, and could not answer basic questions. Instead, I was told I must wait an additional two weeks for a review. This is the third time I have been given a generic " two-week wait '' response by an unbriefed representative. Impact and Financial Harm : My family and I are currently abroad in XXXX. This XXXX XXXX card is our primary international travel card. Having our access to our credit line completely cut off for over 60 days with zero substantive communication has disrupted our daily living, hindered our ability to navigate international travel logistics, and caused severe financial and emotional stress. I have fully complied with every document request immediately. Capital One 's internal delays and repetitive, empty " two-week '' extensions constitute a total breakdown of customer service and are unfairly restricting access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
Paid XXXX through Cash App {$1300.00} on XX/XX/year>. I did XXXX separate transactions. I did not know until XX/XX/year> that the payments got reversed to cash app. I filed the first dispute. I filed another dispute in XXXX when I did not receive the full payment!! The payments did not go through and Cash App only refunded me {$350.00} on XX/XX/year>. I was told that it would take 30 days after that date to receive the {$990.00}. I called back XX/XX/year> they said it would take XXXX more days well my car got repossessed XXXX XXXX. I spoke with XXXX supervisor at Cash App, XXXX and XXXX only for them to tell me that my appeals have been DENIED and that there was nothing they could do. Those XXXX transactions have been deleted off my Cash App history and anyone know that WE can not delete anything thats someone at Cash App that has access to steal from us. Because where are those transactions? Where did they go and why are they gone? Because someone at Cash App took the money because it had been over XXXX days since I was told about the payments not going through. And now conveniently as of XX/XX/year>, someone keeps posting fraud payments to my account making the NSF fees go up higher and higher!!!! Causing me to owe out more money for the car!!!!!!! I also attached a copy of what looks to be a fake Cash App statement where XXXX from Cash App said they sent back some of the {$990.00}. I also attached the other Cash App statement that I obtained in XXXX when I first started the dispute. The XXXX payments on the original statement has the payments highlighted in yellow which a Cash App agent did that. And the calls are supposed to be recorded so, can we get those calls as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL REQUEST FOR INVESTIGATION AND VERIFICATION OF NEGATIVE ACCOUNTS To Whom It May Concern : I recently obtained a copy of my XXXX credit report and discovered several accounts that I dispute. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting a reasonable investigation into the accuracy, completeness, and verifiability of the information being reported. I dispute the following accounts : 1. CREDENCE RESOURCE MANAGEMENT Original Creditor : XXXX XXXX XXXX Account Number : XXXX I am requesting that XXXX conduct a thorough investigation and provide competent evidence that these accounts are being reported accurately. Specifically, please provide : The date the accounts were opened. The date of first delinquency. The complete payment history. The name and address of the original creditor. Documentation bearing my signature establishing liability. Documentation proving the furnisher has the legal right to collect and report the alleged debt. The method of verification used during the investigation. If XXXX can not provide documentation sufficient to verify the accuracy and completeness of the disputed information, I request that the accounts be deleted from my consumer file immediately pursuant to Sections 611 and 623 of the Fair Credit Reporting Act. Additionally, I request that any inaccurate, duplicate, obsolete, or unverifiable personal information, addresses, telephone numbers, employment information, and account information be removed from my credit report. Please provide the results of your investigation in writing and furnish me with an updated copy of my credit report reflecting any corrections made. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Village Capital & Investment LLC
State: NH

Complaint narrative:
Applied for short sale assistance XXXX/XXXX/XXXX. Was told on XX/XX/XXXX I was denied and would need to reapply for review. Completed resubmitting documents and review was marked complete with 30 days to respond. On XX/XX/XXXX I was told denied with the attached letter. In reviewing the letter, I was denied for mortgage forberance which I was not requesting. The short sale or Pre-Foreclosure was marked as " Conditional '', " Plan not Sected '', which was false, an offer and all assistance documents were submitted. The foreclosure was reactivated with a sale date now of XX/XX/XXXX. I spoke with Loss Mitigation on XX/XX/XXXX and was told the offer would result in to great of a loss for Village Capital. The current cash offer is {$400000.00} and the lender confirmed that the appraised value of the property is {$300000.00}. The offer is $ XXXX greater than the appraised value. Proceeding with foreclosure while a facially complete loss mitigation application and short sale request remain unresolved raises significant concerns regarding compliance with RESPA, Regulation XXXX, CFPB mortgage servicing requirements, XXXX loss mitigation obligations, and applicable dual-tracking prohibitions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I have been trying to have access to my checking account for more than 40 days now, with no success. It all started in XXXX. All of a sudden when I typed my username and password in the app, it would loop back to the same page indefinitely. When I try to retrieve password or username, I don't get the XXXX, or there's a message saying they can not grant me access, and to call their phone number. I have tried several times to fix this issue by calling them, I have been to one of the branches, and NOBODY was able to help me. When I try to access it through a web browser, I get the same problem. They have supposedly checked all my credentials and everything seems to be correct. I receive my salary in this account! If I don't get an answer and a solution soon, I will have to close the account and choose another bank.

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 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I learned in XX/XX/XXXX that the interest rate applied to a group of balance transfer that were processed in late XXXX was the regular credit card rate and not XXXX as expected. The rate was not disclosed at the time the balance transfers were processed and thus I could not have accepted it or agreed to it. I tried working with customer service to resolve this but was ignored. I filed a XXXX XXXX complaint in XX/XX/XXXX but the requested proof was not provided. Some interest was refunded, but they stopped working with me. A copy of the XXXX file is attached. Other issues surfaced with this account which delayed my filing this complaint but resulted in an unnecessary change in my account number.

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 2026-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CrossCountry Mortgage LLC
State: MD

Complaint narrative:
This complaint concerns a VA short sale that has been pending with CrossCountry Mortgage for an excessive period of time without meaningful communication or action. The initial short sale package was submitted on XX/XX/year>. A fully executed purchase contract and all offer documents were submitted on XX/XX/year>. XXXX ordered an appraisal, which was completed on XX/XX/year>. On XX/XX/year>, our assigned negotiator contacted us and requested a contract extension. The requested extension and all supporting documents were submitted the same day. Since providing the requested documents on XX/XX/year>, we have received no further communication from the assigned negotiator and no indication that any additional documents or information are needed. We haven't been able to even confirm receipt of the package with the assigned representative XXXX XXXX as he doesn't respond. The current offer exceeds the minimum net proceeds required by the VA for short sale approval and satisfies CrossCountry 's short sale requirements. Despite this, no decision has been made and no meaningful updates have been provided regarding the status of the review. The file needs to be submitted to the VA for approval review. Since submitting the requested contract extension on XX/XX/year>, we have made numerous attempts to obtain an update. We contacted CrossCountry by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and subsequent follow-up calls. We also sent email requests for status updates on XX/XX/XXXX and XX/XX/XXXX. During each phone conversation, representatives acknowledged our requests and advised that they would reach out to the assigned negotiator. Despite these repeated follow-up attempts, we have received no response and no status update regarding the file. The lack of communication is causing unnecessary delays and jeopardizing the transaction. The borrower, buyer, and all parties involved are unable to make informed decisions because CrossCountry has failed to provide any substantive update, request for additional documentation, or explanation regarding the delay. We respectfully request that CrossCountry Mortgage immediately review this file, submit it to the VA for approval review and re assign the file to a new representative that will respond and update the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A week or so ago I fell prey to a scam and lost around XXXX. I reported it to wells and they denied it then removed my right to a debit card for one year. I was out of state and needing gas they told me call 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 2026-06-03 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: NJ

Complaint narrative:
XXXX XXXX amount {$1000.00} Disputing the charges with Chase credit card. Requested Chase credit card dispute team to work with the Hotel merchant to get me the credit. Merchant gave me a credit for the amount ( see email below from the merchant ) and they charged my card again on XXXX, XXXX. I have been following up with chase credit card company with many phone calls follow-up with requested documentations and every time they deny. Not sure why this can not be resolved even though the merchant committed and confirmed that they will give me the credit for the total amount {$1000.00}. This is a frustrating issue which is adding a lot of stress and trauma and impacting my health. -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX Leaders XXXX Sent : Tuesday, XX/XX/year> at XXXX XXXX XXXX Subject : Concern Regarding Refund Dear XXXX, Thank you for bringing this matter to our attention, and please accept my sincerest apologies for your experience and for the frustration caused by the delay in communication. What you described is certainly not reflective of the standards we strive to uphold, and I completely understand your concerns. Im glad to inform you that your full refund in the amount of {$1000.00} has now been processed. Please allow a few business days for the funds to reflect in your account, depending on your financial institution. Additionally, as a gesture of goodwill and to sincerely apologize for the inconvenience and distress caused, we have credited XXXX XXXX XXXX points to your account. We truly value your loyalty as a XXXX XXXX member, and I regret that this experience fell short of expectations. Your feedback regarding the condition of the rooms and the difficulty in reaching the property has been taken very seriously and is being addressed internally. If there is anything further, I can assist you with, please do not hesitate to reach out. We appreciate your patience and hope to have the opportunity to restore your confidence in us. Warm regards XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Hotel : XXXX Direct : XXXX Fax : XXXX XXXX Be our guest. XXXX XXXX XXXX. Website XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is violating Federal Regulation E regarding an unauthorized transaction fraud claim of {$6900.00} filed on XX/XX/year>. My physical phone, wallet, bank cards, and IDs were stolen in Florida, resulting in a total Account Takeover. On XX/XX/XXXX, Bank of America XXXX XXXX escalated the claim and promised a provisional credit in XXXX to XXXX business days. Instead, they delayed for 14 days and issued a bad-faith denial on XX/XX/XXXX, right before the legal XX/XX/XXXX regulatory deadline. They then immediately " reopened '' the investigation to trick the system and reset the federal clock. Multiple associates have given false credit timelines, and today agents refused to provide their names or employee IDs. I am a documented victim of severe identity theft facing extreme financial hardshipI can not afford food, rent, or basic survival. Bank of America is manipulating claim statuses to evade federal consumer protection laws and withholding my legally mandated provisional credit while their reopened investigation continues.

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 2026-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove these unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/2025 XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XX/XX/2025

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 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DailyPay, Inc
State: VA

Complaint narrative:
I am filing a complaint against DailyPay , Inc. regarding the withholding of my final earned wages of {$130.00}. My employer utilizes DailyPay for wage access. Following my involuntary termination on XX/XX/year>, DailyPay 's automated system forced an unauthorized real-time debit push to my linked personal XXXX debit card on XX/XX/XXXX and XX/XX/XXXX. The transfers failed instantly because the card was frozen. The card is now fully active, but DailyPay agents refuse to re-trigger the transfer, falsely claiming the card is 'no good ' and refusing to escalate to a supervisor. I am locked out of the user app due to my termination and can not withdraw my livelihood for food and gas.

Company response to consumer: Closed with explanation