vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I concluded a purchase online through XXXX for the head lights and it canceled after 3 days. The money was withdrawn and order was canceled. I received a transaction charges. The transaction is now not showing on my bank statement and the credit isn't either. When I called for resolution I requested a letter advising me of the incident. I was argued with and progressed into excepting they can't give me a statement letter stateing the funds were pending and then returned.also the email is astatment for accounting that a hold was received and released but I don't show that on the transactions list.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, I made a purchase on XXXX for a XXXX miles offer on the Capital One VentureX card portal. On XX/XX/year>, I received a payout of XXXX miles for the XXXX offer, however on XX/XX/year>, the miles were clawed back with no explanation. I have met all the terms of the XXXX offer : I signed up and added my purchased item to my cart after activating the offer, purchased outside of the XXXX app, did not use XXXX pay, did not apply any coupons, and did not return my item ( see attached screenshot ). The clawback of the miles is a dishonest and deceptive practice that has greatly affected my willingness to do business with Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am submitting this complaint regarding a fraudulent Citibank credit card account ( ending in XXXX ) that was opened in my name without my knowledge or authorization. The balance associated with this account is approximately {$9000.00}. For nearly a year, I have been attempting to resolve this matter directly with Citibank and my primary bank, XXXX. On XX/XX/year>, I formally emailed Citis Executive Response Unit requesting that the fraud investigation be reopened after Citi concluded that I was responsible for the account. The individual who opened the Citi account also gained unauthorized access to my XXXX bank account and used it to make payments toward the fraudulent Citi account. Initially, I did not realize the charges appearing on my XXXX account were connected to a fraudulent Citi account because I was not immediately attentive to the statements. Once I became aware of suspicious activity, I promptly contacted XXXX and Citi to investigate the charges and protect my accounts. XXXX investigated the unauthorized debits and determined that the activity was fraudulent. XXXX reversed the charges and reimbursed my account. I provided Citi with documentation from XXXX confirming that my XXXX account had been compromised and that the related transactions were unauthorized. Despite this, Citi concluded that I was responsible for the account because statements were mailed to my address, payments originated from my XXXX account, and my phone number contacted Citi regarding the account prior to the fraud reporting date. These facts do not establish that I opened or authorized the account. The XXXX account used to make payments had itself been compromised, a fact confirmed by XXXX investigation. Further, any calls I made to Citi were part of my efforts to understand suspicious charges and investigate unauthorized activity appearing on my accounts. Once it became clear that the Citi account was fraudulent, I disputed the account and requested that it be closed. I also informed Citi during recorded calls with its fraud department that my XXXX account had been compromised. During XXXX conversation, I was advised by a Citi representative not to close my XXXX account during the investigation. I followed Citis direction in good faith. I believe Citi failed to conduct a reasonable investigation by disregarding Chases fraud findings and failing to adequately evaluate the evidence I submitted. I am requesting that Citi reopen the investigation, review all supporting documentation and recorded calls, and remove the fraudulent account from my credit reporting if Citi can not produce verified proof that I opened or authorized the account.

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am a victim of a financial scam. I was deceived into transferring {$500.00} via XXXX to a scammer : XXXX. I immediately filed a police report with the FBI 's XXXX XXXX XXXX XXXX : XXXX, Complaint ID : XXXX. I notified Chase immediately on XX/XX/XXXX, but Chase abruptly closed my claim ( Claim # XXXX ) and decided to remove my temporary credit, telling me it was an 'authorized transaction '. This is completely unfair because the transaction was induced by fraud. I request Chase to reopen the investigation and reimburse my funds based on the FBI report provided. Claim Number : XXXX Associated Account Number : Chase Checking Account ending in XXXX Disputed Transaction Date : XX/XX/year> Disputed Amount : {$500.00} ( Part of a larger total fraud loss of {$1400.00} ) Payment Method : XXXX XXXX ID : XXXX Recipient Name on Account : XXXX XXXX Recipient Account Identifier : XXXX Transaction ID / Reference Number : XXXX : XXXX Date of Initial Dispute Inquiry : XX/XX/year> Date of Chase Notice Letter : XX/XX/year> Chase 's Current Decision : Chase has denied the claim, stating the transaction was authorized. They intend to remove the {$500.00} temporary credit from the account on or after XX/XX/year>. The detailed timeline and sequence of events have been outlined in my XXXX form attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
My Cerulean credit card account ( ending XXXX ) was closed shortly after opening without prior notice. Despite making consistent payments since closure, my balance has repeatedly increased due to ongoing late fees and interest charges. By XX/XX/XXXX, I had been charged {$260.00} in fees and {$96.00} in interest for the year alone, on top of additional charges continuing into XXXX. I have never missed a payment intentionally the fees compound faster than my payments can reduce the balance. I am requesting a full waiver of late fees and a review of all post-closure interest charges, and a clear payoff amount to resolve this account

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 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have been receiving letters from Chase Bank since XX/XX/year>. These letters contain information stating they have declined to open an account I requested. It shows my maiden name, that I no longer use legally. Some letters are duplicated or are dated the same. I have received XXXX letters thus far, I feel whomever is attempting to open these accounts are actively still attempting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Yes Im currently in the process of moving, checked my credit score and noticed XXXX collections accounts that are not mine, Ive never had an application with these companies and would like them removed immediately to greater my chances of being approved for mortgage loan. The XXXX companies are Caine $ Weiner for {$570.00} and XXXX XXXX XXXX for {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Statement of Facts & Administrative Escalation I am filing a formal consumer protection complaint against Frost Bank regarding systematic, predatory, and unconscionable overdraft fee generation on my Personal Account ending in XXXX. Between XX/XX/XXXX and XX/XX/XXXX, Frost Bank assessed twenty-one ( 21 ) separate " OD Charge Internal '' line items against my account, extracting an aggregate total of {$1200.00} in punitive penalties. On XX/XX/XXXX, I contacted Frost Bank customer support via their secure digital portal to request an equitable settlement and administrative reversal given that I have stabilized the account. Digital chat representatives acknowledged the excessive nature of these fees. A customer supervisor named XXXX issued a partial courtesy credit totaling {$240.00}, but formally stated that this was the absolute administrative cap permitted at the chat channel level. This leaves an outstanding balance of {$1000.00} in heavily disputed historical fees. Section 2 : Federal Statutory Violations & Regulatory Non-Compliance I am disputing the remaining {$1000.00} balance based on explicit non-compliance with federal consumer protection statutes and regulatory junk fee guidance : Violation of the Consumer Financial Protection Act ( CFPA ) - Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Under 12 U.S.C. 5531 and 5536, a banking practice is legally unfair when it causes substantial consumer injury that can not be reasonably avoided. Frost Bank leveraged structured back-end penalty triggers that created an unavoidable, compounding cycle of debt. Extracting over {$1200.00} from a low-to-moderate-income account with tight transaction margins rendered it structurally impossible to recover, directly mirroring the CFPB 's clear prohibitions on illegal XXXX junk fees ''. Violation of the Electronic Fund Transfer Act ( EFTA ) & Regulation E ( 12 CFR 1005.17 ) : Federal regulations strictly prohibit financial institutions from assessing overdraft fees on point-of-sale debit card and ATM transactions unless the consumer provided affirmative, clear, and verifiable " opt-in '' consent. I am formally challenging Frost Bank to produce the signed disclosure logs verifying that I affirmatively consented to this specific overdraft program configuration for these 21 transactions. If explicit compliant validation can not be produced, Frost Bank stands in direct violation of Regulation E. Substantial Disproportionate Injury : Compounding consecutive {$35.00} penalties within identical 24-hour cyclesreaching fee caps of up to {$100.00} per dayserves no legitimate regulatory or risk-mitigation purpose. This mechanism operates solely to extract liquid wealth from vulnerable accounts, causing significant and disproportionate financial injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: GA

Complaint narrative:
On XX/XX/year>, I completed an online loan application through XXXX seeking a small personal loan to cover my sons {$500.00} dorm deposit and private school fees for my daughter. On XX/XX/year>, I received an email from XXXX XXXX claiming to represent XXXX XXXX XXXX. During a phone call, he stated his company used crowdfunding to provide loans to borrowers with less-than-perfect credit. He offered a {$5000.00} loan with payments of {$250.00} per month for 24 months. He stated I needed to send {$500.00} upfront, which would count as the first XXXX payments, with the first payment due in XX/XX/year>. Later that day, XXXX XXXX instructed me to send the {$500.00} through XXXX XXXX and stated the loan funds would be deposited into my checking account within XXXX hours. About XXXX hours later, he claimed the lender required an additional {$250.00} because of my debt-to-income ratio. At that point, I believed I was being scammed. I refused to send additional money and requested a refund of my {$500.00}. XXXX XXXX refused to return my money and instead claimed another lender could fund the loan by the following Friday. I never received any loan funds or a refund of my {$500.00}. I later demanded they cease contact and return my money. I filed a dispute with Capital One. A temporary credit was issued but revoked on XX/XX/year>, after XXXX XXXX falsely claimed the loan had been funded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: ADP Inc.
State: OH

Complaint narrative:
On XX/XX/26 I attempted to activate my online account for a MyWisely PayCard. MyWisely is a subsidiary of ADP and the card is supported by XXXX XXXX XXXX. Upon registering for the account, I was notified that the account was locked and was instructed to call an agent at the number XXXX. In the past XXXX hours, I have spoken to XXXX different customer service representatives, each of whom have provided inconsistent, conflicting information regarding why my account is locked, the steps needed to unlock the account, and the timeframe in which the account will be reviewed and unlocked. The most consistent message I received is that the account was locked because I did not provide my email address and phone number as contact information. I did in fact include this information at the time of registering my account and provided this information to representatives over the phone multiple times throughout the day. The team members said they could not take this information over the phone and that I would need to submit a copy of my driver 's license and social security card for review ( despite the fact that I previously provided these documents to the company earlier in XXXX ). I learned that the account was locked by an agent named XXXX whose employee ID is XXXX. I spoke with XXXX who was unkind and deliberately obfuscatory. Additional employees who were unkind and deliberately unhelpful were XXXX ID XXXX, and XXXX employee ID XXXX. At multiple points during these conversations, I was told that the matter was being reviewed by a number of different " teams '' such as the compliance team, fraud team, floor team, and corporate team. My requests to be transferred to these teams, speak to individuals involved in the review of my case on these teams, or to obtain the general contact information ( email, phone number, address ) of these team members was deliberately withheld. At this point, I am very concerned that the company is deliberately withholding my money from me so that they can keep it for themselves. I am very concerned that this is fraudulent behavior. Furthermore, I am concerned that the company is committing identity theft by using my personal documents to faciliate abnormal activity on my account. I am asking that the CFPB help me resolve this problem since company employees are acting in a manner that I consider to be dishonest, untrustworthy, and potentially fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: PA

Complaint narrative:
I made the mistake of working with Freedom Debt Relief. My payments due got more expensive than I was told originally and due to their lack of response the last 3 debts were able to sue me. I spoke to all 3 Before this happened and was told they gladly work with Freedom Debt but they had not be reached out to and I was unable to fix anything because I was working with Freedom Debt Relief. I had no choice but to apply for the " Acheive Loan '' through Freedom Debt Relief because their lack of action on the last 3 debts caused XXXX on my home that I did not know about until I was selling it. I called on XX/XX/XXXX to ask about a lower payoff amount and was told they would not accept any lesser amount. This company engaged in unethical credi practices and engage in predatory credit structures that trap people in high-interest debt cycles.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that Experian remove and block fraudulent information from my consumer credit report within four business days of receiving this notice. The inaccurate and unauthorized information includes the following : XXXX XXXX XXXX XXXX - XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX EMPLOYER - XXXX XXXX XXXX - XXXX These fraudulent account have resulted in negative impacts on my credit report. I do not recognize these accounts, nor did I initiate or authorize these transactions. As they are the direct result of identity theft, I demand their immediate removal. Enclosed is a copy of FTC Identity Theft Criminal Complaint # XXXX as further evidence that these fraudulent items must be deleted from my credit file in accordance with my rights under federal law.

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 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Wolf River Development Company
State: IN

Complaint narrative:
Interest rates on my loan was different from what I was told. I was paying for it every 2 weeks until they started trying to charge more to my account. They told me I could do 3 more payments and be done but continued to charge my account. Also, they wrote a check to themselves in my name without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: Chime Financial Inc
State: DE

Complaint narrative:
I am filing a complaint regarding how my billing dispute was handled by my credit card issuer related to charges from a XXXX XXXX agreement # XXXX My dispute was denied with the explanation that no billing error occurred. However, my dispute was not properly evaluated under the correct category. This is not a general billing dispute. The issue is that I was charged for a vehicle class that differs from what I originally reserved. At pickup, the reserved vehicle was unavailable, and I was provided a substitute vehicle described as a complimentary upgrade. I did not authorize or agree to a higher daily rate. Despite submitting documentation showing the reserved vehicle class, the vehicle provided, and the final billing, the bank treated the matter as if all charges were authorized solely based on the signed rental agreement. The bank did not adequately consider whether the charges reflected the originally agreed-upon service or whether a higher rate was properly disclosed and accepted. Additionally, the rental was impacted by a vehicle incident reported on XX/XX/year>, after which the usability of the vehicle was affected, yet billing continued. I am requesting that the bank : * Reevaluate the dispute under services not as described or incorrect amount billed * Review the discrepancy between reserved vehicle class and billed vehicle class * Provide a detailed explanation of how the charges were deemed valid despite this mismatch

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Hi Yes, I am having a hard time getting my money from my Huntington bank account .i walked my payroll check into the branch for a deposit on XX/XX/year>. They XXXX business days, which was fine. On the XXXX of XXXX a hold was put on my account, I cant access my mobile banking or any funds thats connected to my account.!!! Ive been getting the run around for a month in a half now. I have funds in my account that I can not use and I am on the verge of being evicted at any moment. Its very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
They restricted my account with no reasoning my online does not work when I call they only let me talk to one department who hangs up. I disputed several XXXX transactions plus sent in a police report and a signed affidavit saying it wasnt me. Yet they denied then said it was pattern how can some fraud somebody did back to back my pattern makes no sense any transactions from the merchant XXXX I disputed rather it was denied or not .. its fraud. But to prevent me from filing again now my account is suspended I didnt violate any rules then the reps telling me I have XXXX available then some are saying its XXXX but no ones is helping me they suspend my account so they dnt have to help me as much this is classic predatory things banks do specially PNC THIS IS NOT A DUPLICATE CLAIM THIS NOT A DUPLICATE CLAIM!! Its it pertaining different issues they denied claim saying I didnt dispute items after card was reported I disputed then same day card was was reported then they deny the claim for XXXX bet XXXX transactions Ive disputed ones in past they denied so they say you didnt dispute the past XXXX lol then XXXX atm withdrawals wiht a police report that says they pulled camera it wasnt me yet they still deny and lie and hold me back

Company response to consumer: Closed with explanation