vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a business checking account with Chase. I wrote a paper check from another entity I own : XXXX XXXX XXXX ( XXXX XXXX Filing # XXXX ) in the amount of {$2500.00} to fund the account. This action triggered a 'fraud alert ' by Chase XXXX They asked me to contact them to discuss. I did. They said they were concerned about the source of funds, so they opened a XXXX call with me and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX confirmed with Chase I was the owner of the account and they processed the draft. After short period of time, Chase closed the account without explanation. They sent a letter saying they would distribute my funds in the account in the amount of {$5600.00} via cashier 's check within XXXX days. It's been over XXXX days. I do not have a cashier 's check. I called their helpdesk to inquire. They said they had to verify ownership of the bank account and the company that funded the Chase account before they could release the funds. I offered my XXXX XXXX XXXX ( XXXX XXXX ) XXXX Filing Information. They offered no proactive resolution path. The agent said until they can confirm ownership they were not releasing my money. He offered no timeline, no ownership, no process, no commitment. He basically in lay terms told me to get lost. This feels like plain old fashioned thievery to me. I wrote the check, the check was deducted from MY business account and credited to Chase. Chase VERIFIED this fact with XXXX on the phone live. Now they're holding my funds saying they can't verify the source of funds that have been posted to the Chase bank since XX/XX/year>. They also had the nerve to send me a statement showing a deduction from the account for {$5600.00} which zeros the account out, but they have not released the check. This is straight up robbery and theft. They need to send me my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> I asked Bank of America credit card bank to dispute {$1800.00} that I didnt purchase or authorized this transaction and they denied on XX/XX/year> and I made dispute again and also denied and I made fraud and they denied and I asked for the documents they use it to take this decision like XXXX address where the order made, phone number, email, the address when the order delivered and the name signed for the order I call asking for this and agent said they dont have this information and said only thing I can do is to reopen fraud report again for how long I have to wait for the problem to be solve it is more than year I am on XXXX and I cant afford to pay this for something I didnt order it or received

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 2026-06-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, a XXXX XXXX ( XXXX XXXX XXXX XXXX ) door-to-door salesperson named XXXX XXXX came to my home and used high-pressure sales tactics to sign me up for a XXXX XXXXXXXX XXXX. He expressly promised that the system installed on my roof would result in a XXXX electric bill and low monthly loan payments through Dividend Finance of approximately {$190.00} per month. This promise was completely false. After installation I was paying {$190.00} per month to Dividend Finance AND continuing to receive substantial electric bills meaning my total monthly costs were significantly higher than before the solar system was installed. I ended up paying more every month than I did before I had solar panels. In XX/XX/XXXX I formally contacted both XXXX XXXX and Dividend Finance to complain. I provided them with a full year of electric bills as documented proof that the promised savings never materialized. Both companies ghosted me they stopped responding entirely and I received no resolution, no callback, and no acknowledgment of my complaint. I felt trapped because XXXX XXXX placed a second lien on my property in connection with this solar loan, making it extremely difficult to sell or refinance my home. I have been stuck paying {$190.00} per month to Dividend Finance plus my full electric bill ever since for over 5 years. XXXX XXXX has a documented national pattern of this exact misrepresentation. They recently agreed to a XXXX XXXXXXXX XXXX class action settlement related to deceptive consumer practices. I have filed complaints with the Texas Attorney General, the Texas Department of Licensing and Regulation ( TDLR ) under SB 1036, and sent a certified demand letter to XXXX XXXX 's legal department. Under the FTC Holder Rule ( 16 C.F.R. 433 ), Dividend Finance as loan holder is subject to all claims I have against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE BANKSHARES, INC.
State: ND

Complaint narrative:
On XX/XX/year>, I received a text message from my bank fraud protection center, saying someone tried to use my card at XXXX. I said no to the transaction. They replied back in a text saying someone would call me to get more information. I received the call about 30 seconds later. He claimed to be from Bell Bank Fraud Protection Services and asked me multiple transactions that were made with my debit card from my checking account. This person already had access to my checking somehow because he was asking me about charges and amounts that I actually made. Then said someone made a transaction from my account through XXXX XXXX. As I was on the phone with him, he said the only way to keep my account safe was to transfer the money to a separate debit card because XXXX XXXX is a third party and cant deal with fraud charges. While still believing this was my bank, I transferred {$1000.00} in 4 different transaction, in the amount of {$250.00} each, to this card. He assured me my funds would get transferred right back to my checking account. The transfer happened instantly so there was no way for me to cancel it or stop the transaction. He then hung up and my account was wiped clean. I filed a fraud charge to my bank immediately and began to dispute the charges. They initiated a rapid relief of {$1000.00} to my checking while during the time of them disputing my charges. Today, XX/XX/year>, I had that {$1000.00} taken back out of my account and that put me in the red. I drove to my bank to speak to a representative. He pulled the credit transactions and the scammer blocked his IP address and made it look like it only came from me. The bank actually called the fraud protection services, verified that the original text I received from them was legit from the bank but since he blocked his IP, they couldnt flag it. So my claim was denied, Im out {$1000.00} and now I owe {$500.00} through XXXX XXXX. Those ended up closing my checking account since they managed to log into it without my permission, username or password. I just want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I purchased an item on XXXX for {$530.00} using PayPal. The seller provided a tracking number that falsely appears to show delivery to my address, but I never received the item. I contacted XXXX directly and they confirmed they could not verify delivery to my address and stated they would only provide delivery details to XXXX upon request. I filed a dispute with PayPal but they denied my claim without properly verifying the tracking information with XXXX. I also filed a dispute with XXXX and attempted a chargeback with my debit card, both were denied. The seller has since been removed from XXXX, which further confirms fraudulent activity. PayPal failed to conduct a proper investigation before denying my claim despite the seller using fake or manipulated tracking information and being banned from the platform for fraud. I am requesting PayPal reverse this transaction and refund me {$530.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against Citibank due to an unauthorized hard inquiry on my credit report associated with an account that I was misled about during the application process. I was explicitly informed by a Citibank representative that my application would only result in a soft credit pull. However, I later discovered a hard inquiry on my credit report, which I did not consent to. This is not only misleading but also detrimental to my credit score. The presence of this unauthorized hard inquiry is negatively affecting my credit score and, consequently, my ability to secure credit in the future. This situation raises serious concerns regarding compliance with the Fair Credit Reporting Act and other relevant regulations, as it appears to be an improper reporting of my credit information. Given the severity of this issue, I am considering seeking legal assistance to address these unauthorized actions and to rectify the damage caused to my credit history. I urge the CFPB to investigate this matter thoroughly and take appropriate action against Citibank.

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 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
According to XXXX XXXX ( XXXX XXXX XXXX ) offers enhanced protections for servicemembers beyond the federal XXXX, notably capping interest rates at 6 % per annum on debts ( including credit cards, car loans, and mortgage payments ) incurred for goods/services during XXXX XXXX or XXXX. It applies to XXXX residents and those stationed there, requiring written notice and military orders to the creditor. I am currently getting charged way more interest rate on my personal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
Applied for a XXXX AMEX card from the XXXX website. Purchased XXXX tickets and then made XXXX other purchase a day or XXXX later. XXXX has been frozen ever since. Have verified my identity XXXX ways to Sunday including sending live pics of myself along with front and back of license, verified the card via AMEX phone # once I received it, set up auto-pay through my bank and still can't satisfy AMEX that XXXX am who I am. I have owned dozens of credit cards with multiple banks and have NEVER been put through such a quagmire of waisted time and effort. Have been told the only way to satisfy security is to go through XXXX party website. XXXX in security dept told me he would send the link XXXX minutes ago but did not. Feeling like I'm dealing with a bait and switch and would not have bought XXXX tickets if I had any idea what a nightmare dealing with AMEX is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: WI

Complaint narrative:
I was living in an apartment where I was not able to stay due to XXXX XXXX in the apartment from other tenants, XXXX smoking, cigarette, smoking partying, complain to manager several times of regarding the situation had XXXX twice in my apartment had to purchase cameras in my apartment too afraid to leave sleeping out in the lobby because I could not stay in my apartment. She told me if I did not like what was going on then move IN for the residents moved out of the apartment due to the same situation and XXXX months later, I have a collection on my credit report, stating that I owe money that I do not owe I moved out XXXX XXXX and she stated because I moved out XXXX XXXX after telling me to move out she wants to collect XXXX rent and I feel is I was forced to move out due to unsafe living conditions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I prepaid for one year of sauna services with XXXX XXXX XXXX on my XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX the studio closed without notice to customers or the corporate office in California. I made several attempts to contact the owner without success. On XX/XX/XXXX I submitted a billing dispute with XXXX XXXX. I submitted the contract and other evidence to XXXX to prove my claim was valid. I was recently told by a XXXX representative that my claim was being denied because the merchant never responded to XXXX 's inquiries. The sole purpose of me putting this charge on my XXXX XXXX was for buyer 's protection, and XXXX is allowing the owner to steal nearly {$1000.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
So I disputed several charges over company XXXX on my capital one card. I personally am not one that sees a point in buying sports cards when I dont personally own a single sports card. Then the company told me investigation complete that Im not liable for any of the transactions. So I try to close it an now the company is trying to open it back up when they already said I wasnt liable. So Im refusing to pay it because I did not make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Company : American Express Product : Credit Card XXXX Amex XXXX, Amex XXXX ) Issue : Improper account restrictions, unfair treatment, unreasonable payment demands, failure to complete financial review, and harmful credit practices. What happened : I am a longtime American Express customer who uses the Amex XXXX XXXX for the majority of my business expenses. Without warning, American Express began declining my transactions, including recurring payments, which caused embarrassment and disruption to my business operations. When I contacted American Express to resolve the issue, they initiated a financial review and requested XXXX years of business statements. I provided all requested documents, and all three years showed profits. After submitting the documents, American Express never followed up, never completed the review, and never restored normal use of my account. Nearly a year later, American Express suddenly imposed spending limits on my cards at a time when my balances were high. They set a {$55000.00} limit on my XXXX XXXX and a {$7500.00} limit on my XXXX XXXX. Immediately after imposing these limits, they began declining all my transactions, including small recurring charges, which severely damaged my business relationships and reputation. During the last month and a half, American Express has collected more than {$55000.00} from me. They also collected {$21000.00} on XX/XX/year>. Despite these large payments, they are now demanding an additional {$43000.00} by XX/XX/year>. I can not keep up with these accelerated repayment demands, and American Express has not provided any explanation or assistance. I believe American Express is engaging in unfair and abusive practices by : Imposing sudden limits without notice Declining legitimate transactions and recurring payments Ignoring the financial documents I submitted Forcing accelerated repayment schedules Creating financial hardship through their own actions Failing to communicate or provide a resolution Their actions have caused significant financial harm, business disruption, and emotional distress. I am requesting CFPB assistance to compel American Express to : Complete the financial review they initiated Restore reasonable access to my accounts Stop the accelerated repayment demands Provide a clear explanation for their actions Work with me on a manageable payment plan if necessary I have acted in good faith at every step, and I am simply asking for fair treatment and a resolution that does not destroy my business or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Good evening. I'm profoundly XXXX. My husband is XXXX. I don't know XXXX, so I rely heavily on XXXX XXXX, XXXX or XXXX XXXX. I was trying to get ahold of USAA to figure out ways to pay off debt faster or use some benefits they have, especially for XXXX or XXXX. I have tried to use online chat ( which was difficult to get to ) and for the problem I have, they said I must call. They did say to use relay service, even though I have said that I can't use it. My husband is XXXX and can not call. I have spent the better hour being frustrated that I was getting nowhere. I tried to do secure messaging, but USAA got rid of it. And USAA is mostly digital, so I could not go to any physical building and talk to someone in person. I'm incredibly frustrated at how unaccomodating USAA is. I am a XXXX consumer. USAA does not offer a secure messaging option and their phone lines are not accessible. I require all communication regarding my account hardship/payoff to be done in writing or secure messaging or through online chat. I have since switched to XXXX XXXX so I probably won't need their services anymore. But I figured, for future customers who are XXXX and other needs, that USAA needs to be more accessible.

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I am filing a complaint regarding the permanent limitation and deactivation of my personal U.S. PayPal account associated with the email address [ XXXX ] ( mailto : XXXX ). My account was used only for ordinary personal purchases and day-to-day consumer transactions. I was not operating a business, selling prohibited items, or knowingly violating any PayPal policy. PayPal permanently deactivated my account and provided only the following explanation : " After a review, we found unusual activity on this account that we can't support. '' Reference ID : XXXX PayPal did not identify any specific transaction, policy violation, or activity that allegedly caused this action. I was not provided with a meaningful explanation, an opportunity to address any concern, or an effective appeal process. As a result of this account closure, I lost access to my PayPal Debit Card and related financial services. The sudden termination of these services has negatively affected my ability to conduct ordinary consumer transactions and access financial products that I previously relied upon. I believe this action is unfair because PayPal has permanently restricted my account without providing sufficient information about the alleged issue or any reasonable path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid a freight company using my Citibank card to move a resistance welder to my business located in XXXX, CA. The freight company ( XXXX ) consigned the movement of my goods to a third party, XXXX XXXX. XXXX picked up my resistance welder and brought it to a warehouse in XXXX XXXX, NJ. I still haven't received my resistance welder after months of waiting and XXXX has stopped communicating with me. I filed a payment dispute with Citibank as I paid XXXX {$600.00} and they have not provided the agreed to service. I need help as Citibank has closed my dispute ( XXXX ) even though I never have received my welder and am being charged interest on something I never received.

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