vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We visited XXXX November 1, XXXX for a week in XXXX XXXX XXXX XXXX. I used the card to purchase a taxi ride to an airport hotel. The next morning I had a text from Chase stating that there was a suspicious charge on my card. I took a look and found a charge for {$2000.00} to XXXX * XXXX XXXX. As nearly as I can determine this is a Mexican Hardware company. Now, I own no property in Mexico and certainly did not purchase {$2000.00} worth of hardware! 

I immediately contacted Chase and cancelled the credit card and challenged the charge. They said they would investigate the disputed charge. They allow 60 days before the charge becomes due if they decide against you. 60 days plus 1 day, XXXX XXXX 2026, Chase decide that it was a legitimate charge. I called their XXXX XXXX XXXX XXXX Department and demanded that they re-review my claim. On XXXX XXXX, 2026, I received another online letter stating that they had reviewed it and determined that the charge was legitimate. I asked them how they made that determination, and they stated that it was because the card was used for the charge. They apparently did not try to contact the vendor and ask to see a receipt or anything like that. 
By this time I was very frustrated and angry, so I wrote them a registered letter and insisted that they provide proof that I made the purchase. 

I received an email on XXXX XXXX, 2026 stating they had received my letter and would again review the dispute. On XXXX XXXX, 2026, I received another online letter at the Chase site stating that they had again reviewed it and found it to be legitimate. At no time did they say they had proof, such as a signed receipt or anything like that. They simply go through the motions and fall back on their previous position. 

What happens now? I am going to file complaints with you and with the federal site, Consumer Finance Protection Bureau. I am also going to start a lawsuit against Chase in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I had an unauthorized charge on my USAA checking account with my debit card on XX/XX/XXXX25 for {$9900.00}. I called USAA and got my card frozen immediately. And was traveling back home from a work trip. I called on XX/XX/XXXX25 to complete the full fraud review, and reporting charges. The fraudulent activity was an unauthorized XXXX dollar charge to a scam XXXX store, multiple attempts to use the blocked card and moving money from my savings to my checking account also unauthorized. I competed this review less than 24 hours after the charge. USAA sent me a new debit card on XXXXXXXX/25XX/XX/XXXX, we reset all of my account passwords and log in pin, and they gave me a temporary credit. They did send a notification of a security alert and concern for my account on XXXX25. On XX/XX/XXXX26 I got a notice from USAA through their investigation they deemed the {$9900.00} dollar charge not fraud. I called immediately and asked next steps in which I got the report of their analysis, and a re-review. I received the report for designation of fraud, they stated the tracking number associated throughh USPS delivered a package to my house. I never received a package and the items are all inflated value low dollar items that were purchased ( 4 air mattresses for XXXX dollars a piece and 4 ice maker containers for XXXX dollars a piece ). This is a major red flag and known to be a scam. The XXXX store ( which I have never used XXXX and can validate that in my purchase history ) is a generic generated domain name that was never changed. This is also a major red flag for scam stores that fraudulent activity runs through to get funds. I did not purchase this, and on that date can validate through my computer history that I never even went to that web address. I then called and requested IP addresses that accessed my account and devices as I was told android and windows devices accessed my account during this fraudulent activity time and I only have iOS and apple devices. The IP address also traced back to New Jersey in my search for the charge-when the report said it was XXXX TN XXXX All of which are not locations I was in at the time I was in XXXX Florida at the time of fraudulent utilization and live in XXXX, Tn. I submitted a detailed document of dates and times of events to my best knowledge. And research on this store and its red flag and high probability of a scam to USAA.

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 2026-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: USCB, Inc.
State: CA

Complaint narrative:
USCB America has been calling me for the past 3 months since XX/XX/year>2025 regarding collection on a past XXXX XXXX XXXX. I asked them to send this information to me in writing so I can understand the bill prior to paying the amount which is approximately {$1000.00}. I have never received the documentation. I received a call in XXXX asking again for payment and I advised them I did not get the documentation and will they please send it, email it, etc. The collector said it was sent and I was lying and just saying that to avoid payment. I advised them I never received a bill from XXXX and have been good to pay all my bills so if there is a bill I actually owe I would llike to understand what it is. Collector continued to harass me and tell me I just need to pay it now. I advised them this is harrassment and not to call me and contact me in writing only. I have since been getting repeated calls and consider this harrassment. I have filed a DO NOT CALL me today on their " do not call '' site. I do not want any collection calls harassing me- I will address their concerns in writing of which I have not received anything as of today in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Today, XX/XX/year>2026 around XXXX, I checked my credit report on XXXX  getting a notification that my score changed. I opened XXXX 's website and discovered that there was an account opened under my name. I immediately called the Wells Fargo Bank 's Identity Theft department but was unable to reach someone because the account number listed on the XXXX  credit Report is non-existent. They tried social security number, phone number, email, but nothing came up. They transferred me to their Identity theft department and was unable to help due to it not having a card number or anything else. I told them the bank name, banking account number, and credit type, and creditors address as shown in the screenshot attached. They told me to call XXXX  and request a credit report freeze and monitor it for the time being. I called XXXX  's Consumer Relations line, and after the authentication questions I was able to reach a representative. They tried to find my Wells Fargo account on their end and was unable to find anything with the 12-digit account number in the screenshot. They asked me if I wanted a hard copy credit report and I said yes it will be here in 7 business days but until then they can not help with my issue. I am confused as to why no one can find this account and worried my identity is stolen and someone is using my name to open accounts with a different phone number and address. I am aware of the internal fraud going on in Minnesota, as there are imposters disguised as Wells Fargo Reps creating identity theft problems and draining accounts.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In the summer of 2025, I cancelled a XXXX airline flight due to the war zone at the time. A refund amount of XXXX dollars was posted to my credit card ending in XXXX. This card was closed. I monitored the refunded amount and called the dispute center several times to ask why they are not transferring the refund to my active card ending in XXXX. I have the statement showing that a refund of {$450.00} was unposted item 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 2026-01-29 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am filing a complaint against CareCredit ( Synchrony Bank ) regarding an improper deferred interest charge. 

I had a promotional financing balance of {$4100.00} that was required to be paid in full by XXXX XXXX 2025. I mailed my payment in full and CareCredit received that check on XXXX XXXX, 2025, which is before the promotional expiration date. Despite this, the company charged {$320.00} in deferred interest, claiming the interest had accumulated. 

Prior to making the final balance of {$4100.00}, I learned that CareCredit closed my account without my knowledge and I was consistently making payments on a closed account. When I spoke to a representative during that time, I was informed of the amount of the remaining balance and ensured that if I made the payment in full by XXXX XXXX, 2025, I would NOT be charged additionally. 

Because the full promotional balance was paid before the deadline, this interest charge is incorrect and constitutes a billing error. Deferred interest only applies if a promotional balance is not paid in full by the expiration date, which does not apply in my case. 

Additional concerns. 

My account was closed by CareCredit despite my account being current and compliant with promotional terms I have a history of on-time payments I contacted customer service to dispute this, and the representative asked, How did you come up with this money to pay this? This question was inappropriate, unrelated to my dispute, and unprofessional. 

I believe this interest was applied due to internal processing delays or a system error after account closure. A consumer should not be penalized for payment processing timing when payment was received before the deadline. 

I am requesting Immediate removal of the {$320.00} Written confirmation that my account reflects a XXXX  balance Confirmation that no negative credit reporting has occurred A written explanation of why interest was assessed despite payment being received before the promotional end date I have documentation showing payment receipt before the deadline. 

Thank you for your swift review of my case, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX25 I enrolled in a Citi Merchant Offer to earn {$16.00} statement credit with any purchase from XXXX on my card ending in XXXX. I made a purchase on XX/XX/XXXX25 of {$37.00} which satisfied the terms of the offer, which was to be credited within 1-2 statement cycles. After it did not credit on my 2nd statement cycle of XXXX/26XX/XX/XXXX, I used Citi chat on XX/XX/XXXX26 to attempt resolution. First I chatted with rep XXXX at XXXX, who could not find the offer. I asked to chat with a supervisor and chatted with XXXX at XXXX who also could not find the offer and asked that I call support. I called support on XXXX2XX/XX/XXXX at XXXX and spoke with XXXX, who also could not find the offer and said he was transferring me to a supervisor. He transferred me at XXXX but it was dead air ( no response ) and then I was disconnected a minute later. 
Citi owes me {$16.00} and an hour of my life back, but I'll settle for {$16.00}.

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 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: NM

Complaint narrative:
I got a {$3000.00} loan in XXXX. They are charging me with a 665 % interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
Subject : Request for Credit Report Update in Exchange for Pay for Delete To : Midland Credit Management CC : CFPB To Whom It May Concern, I am writing regarding the account listed under my name : MCM Account Number : XXXX Alleged Original Creditor : XXXX XXXX XXXX, XXXX. 
I acknowledge the outstanding balance of {$550.00} on this account. While I understand my responsibility is for this debt as you have refuted your responsibility based on the fact you were evaded my requests for the paperwork from XXXX XXXX XXXX  XXXX. making you the owner of this account and dept, I am seeking a resolution that benefits both parties. 
In the interest of resolving this matter promptly, I am prepared to pay {$550.00} as a full and final settlement of the account, on the condition that you agree to remove all negative information related to this account from my credit reports with XXXX, XXXX, and XXXX. 
If you agree to these terms, please provide a written confirmation on your company letterhead, signed by an authorized representative, stating that upon receipt of the agreed payment : 1. The account will be deleted entirely from my credit file. 
2. Any other negative references to this account will be removed from my credit history with all three major credit bureaus. 
Once I receive your written agreement, I will remit payment immediately via cash. 
I appreciate your consideration of this request and look forward to resolving this matter quickly. Please respond in writing to confirm your acceptance of these terms within 14 business day. 
Thank you for your time and cooperation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX : XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
In XX/XX/XXXX there was a promotion for my credit card to pay a specific amount monthly and pay the debt over XXXX. On XX/XX/XXXX I contacted AMEX customer service to question the withdraw since I had put in a different bank account than they were pulling the funds from. I was told that there was nothing they could do besides change the bank account for the following month, and the payment will be pulled an additional 2 times they are unable to stop it. This resulted in {$75.00} of overdraft fees with my bank. I was assured that they took that bank account off the file. Then on XX/XX/XXXX I check my balance in that account and see yet again, they attempted to withdraw payment from that account and theres a {$25.00} overdraft fee with an additional pending charge for a second withdraw in progress. I called AMEX customer service who agreed that the error was on their end and it should have never been withdrawn from the account that should have been removed, however theres no way to stop the future additional withdraws on their end. AMEX instructed me to contact my bank and do a stop payment, which also costs {$25.00} along with an additional {$75.00} of over draft fees from the funds not being available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
Balances are too old for collections, I am XXXX and they took advantage of me I called several times to tell them I dont owe anything and they keep charging me fees and interest and late charges

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: Chime Financial Inc
State: GA

Complaint narrative:
Chime is currently taking money at random amounts I did not authorize calling to speak to customer service and supervisor both are rude dismissive and disrespectful to customer actively hanging up on me while trying to ask questions I was called names I do not wish to repeat .withholding my money I have 2 children under 6 Im trying to pay electric bill and they are declining my transaction for no appropriate reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: CA

Complaint narrative:
On XX/XX/XXXX, I traded in [ early ] my leased XXXX XXXX XXXX at the XXXX XXXX, California Audi Dealership and leased a new vehicle. Subsequently, I became aware that the dealership had incorrectly processed the vehicle payoff with Audi Financial, resulting in an outstanding balance of {$1300.00} on my account. I placed a multitude of phone calls, sent emails, and visited the dealership in an effort to resolve this matter and safeguard my credit standing. On XX/XX/XXXX, the Dealership gave me a written commitment to settle the outstanding amount for the vehicle. Throughout my dealings, I kept Audi Financial updated and was never informed that this would be marked as a Charge Off on my record. I have now learned they reported this as a Charge Off againt my credit resulting in my being denied credit on more than one resent application. Although the lease has now been fully paid through the Dealership as intended, when I contacted Audi Financial about the Charge Off and offered documentation proving I traded in the vehicle at their dealership, they refused to removed it. They requested a Liability Letter from the Dealership to review my case. I'm now back to calling and emailing the XXXX XXXX Audi Dealership every day to obtain this, but my requests continue to be ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: ARVEST BANK GROUP, INC.
State: MN

Complaint narrative:
We purchased a new construction home from XXXX XXXX  and arvest mortgage was the servicer who acquired the loan. Unfortunately, when they calculated our escrow amounts prior to closing, they utilized only the land tax portion instead of the fully assessed tax which would occur about XXXX years after closing, when the taxes became fully assessed on the land and home. Apparently, I did sign a document at closing that states the land tax was only going to be used, but this is very different than the conversation I had with our loan officer, and it was clear that we were intending to have the fully assessed taxes considered for escrow account from the beginning so that we would have sufficient funds in escrow and this would not be the problem that we are having now. For Additional context, I used to work for the XXXX, XXXX XXXX and managed the area that was mostly impacted by this issue at closing and it was very common that the lender would use their own tax calculations despite what the customer requested. This has caused a severe escrow shortage of approximately {$6000.00} and increased our monthly payment by almost {$900.00}. This is not feasible, and I have simply requested a longer spread of the escrow shortage to several more years, XXXX year spread would help tremendously. I know this is a possibility, having XXXX  an XXXX XXXX myself as part of XXXX XXXX and longer spreads are not an issue when the customer can not afford the shorter spread and higher payment. They have been unwilling to work with us and have left us no options to work together on a resolution to ensure we are able to continue to make our monthly payment and stay in the home weve worked so hard for. We are simply asking for some grace and a longer time period to repay the shortage, which is typical practice. With all the inflation and increase cost, who can just casually afford an increase of approximately XXXX to their payment? We are willing to repay the shortage ( although it shouldnt have occurred ) but need a knife already to ensure our monthly payments can still be made. Not making payments is not who we are. We are hard working parents, who built a house for our daughter to go to school in a better community and we intend to make this a forever home but can not afford the payment without the escrow shortage being spread longer than only 12 months. We appreciate your consideration. 

Respectfully, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: IA

Complaint narrative:
XXXX {$380.00} Received mailings from company. XX/XX/year> : Chatted with support. I told them that this debt was not mine and that there's a checking account attached that isn't mine. They told me to submit a report from the Federal Trade Commission and they need a copy of the report stated that I was scammed. That someone used my name to open up a checking account that doesnt belong to me. They told me to submit documentation to them so they can cancel the debit and remove it off of my credit report.

Company response to consumer: Closed with explanation