vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/year>, I contacted Chase regarding my checking account after my account was restricted and I was unable to access my funds. The issue began after a transfer from my fiancs XXXX XXXX account to my Chase account. Chase treated the transaction as suspicious/fraudulent even though the transfer was legitimate and was not fraud. To resolve the issue, we contacted XXXX XXXX and had XXXX call Chase on a three-way call to verify and explain the transaction. Once the call was escalated, the Chase representative made the XXXX representative get off the phone, stating the information was confidential. Chase still did not provide a clear explanation of what was needed to resolve the restriction or regain access to my funds. I later spoke with a Chase representative named XXXX on XX/XX/year>. I was informed that the investigation had already been completed, but I was not given a clear explanation of the findings or a fair opportunity to provide documentation or clarification. I was also told Chase was ending the banking relationship, closing/deleting my account, and that I would no longer be able to bank with Chase. This felt extreme, especially because the transaction was legitimate and XXXX XXXX had already attempted to verify it. As a result of Chases actions, I have been denied reasonable access to my money. This has caused financial hardship, stress, and difficulty paying bills. I did not receive proper notice, a clear reason, or a fair resolution process. I requested information about why my account was restricted/closed, why the transfer was being treated as fraud, and what steps were needed to release my funds, but Chase did not provide clear or helpful information. I am requesting that Chase immediately release all funds owed to me, provide a written explanation for the restriction and account closure, correct any inaccurate fraud-related records or internal notes, and compensate me for the financial hardship, inconvenience, and damages caused by this matter. Throughout this situation, I felt Chase employees made assumptions that I was involved in fraudulent activity before properly investigating the matter or fully listening to the explanation being provided. Instead of working with me to verify the legitimate transfer, I was treated as if wrongdoing had already been determined. Even after XXXX XXXX attempted to verify the transaction directly with Chase, I still felt dismissed and unfairly judged without sufficient evidence of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
XXXX payroll records now reflect the underlying XXXX debt balance as paid in full, with an unpaid debt balance of {$0.00}. Despite this, XXXX XXXX XXXX continues attempting to collect thousands of dollars in additional amounts that have not been clearly reconciled or validated. I have not received a complete accounting showing what portion of the remaining balance represents principal, interest, collection fees, or other charges. Because the underlying debt reflected through XXXX offsets now appears satisfied, I am requesting immediate suspension of additional interest accrual and collection activity until a complete reconciliation is provided. Additionally, the accounting records provided by the XXXX and XXXX XXXX XXXX reflect multiple interest charges that are not clearly explained or reconciled. The ledger shows repeated interest entries across several periods, including multiple interest-related entries occurring within the same month, without sufficient explanation of the billing periods, calculations, or how those charges were applied in relation to ongoing XXXX payroll offsets and payments. For example, the records reflect repeated interest activity during XX/XX/year> and other periods in a manner that is difficult to reconcile against the actual declining principal balance and payments already collected. The accounting provided does not clearly distinguish principal, accrued interest, collection fees, or how each payment was allocated. Because of these inconsistencies, I believe the accounting and balance reporting are inaccurate, misleading, or incomplete, and I am requesting a full reconciliation of the account before any additional collection activity or interest accrual 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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am submitting a follow-up complaint regarding my banks handling of a fraud claim involving {$3000.00} in transactions from XX/XX/year>. In my original complaint, I explained that I was the victim of an imposter scam in which an individual posing as U.S. Banks fraud department instructed me to take action to secure my account. Acting under that belief, I completed XXXX XXXX XXXX transactions ( {$1600.00} and {$1400.00} ). U.S. Bank denied my claim on the basis that the transactions were authorized at the time they occurred. However, this conclusion fails to address a critical issue : the transactions were induced through impersonation and deception. The bank did not meaningfully evaluate whether authorization obtained through fraudspecifically, impersonation of its own fraud departmentconstitutes valid authorization under Regulation E. These were not legitimate or voluntary transactions made with informed consent. I acted under false pretenses, believing I was following instructions from my bank to protect my account. Under Regulation E, unauthorized electronic fund transfers include those made without a consumers informed consent. The banks response does not address this standard and instead relies solely on the fact that the transactions were completed, without considering how they were induced. I am requesting that this complaint be reviewed from a compliance perspective, specifically regarding the proper application of Regulation E in cases involving impersonation and deception. I am requesting that U.S. Bank : * Reevaluate this claim under Regulation E * Address whether authorization obtained through impersonation is valid * Refund the {$3000.00} to my account This situation has caused significant financial hardship, and I am seeking a resolution that reflects both the facts and applicable consumer protections.

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 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One sent me direct marketing emails that stated I was eligible to apply for a new credit card with an early spend bonus of XXXX points after spending {$4000.00} in 6 months. I applied for this card, as did my husband. I was approved for this. At no point did the application process inform me that I was not eligible for the bonus nor did it say anywhere that I found that I was not eligible for the bonus. When I called to discuss my credit line the agent told me there was no early spend bonus attached to either card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
b'am a XXXX (XXXX) and was the victim of an international criminal scam. An individual using a XXXX phone number (XXXX XXXX) hacked my XXXX account and used my identity to coerce me into linking their XXXX card (ending in XXXX). I was then manipulated into withdrawing $XXXX to that card.The scammer also attempted to force me to \'Add Money\' to the account for $XXXX, which failed. They tried to make me reset my phone to destroy evidence. Cash App Support refused to refund my money despite proof of identity theft and coercion. I am requesting a full investigation into this fraudulent activity."'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I hold a conventional mortgage serviced by Wells Fargo Home Mortgage. My homeowners insurance policy lapsed on XX/XX/year>, after my insurer XXXX XXXX XXXX ) attempted to charge a credit card that I had been forced to cancel due to theft while traveling abroad. XXXX XXXX canceled the policy without providing any prior written notice by phone, email, or mail. I had no knowledge of the cancellation until I received a letter from Wells Fargo. Upon receiving the notice, I immediately contacted XXXX and obtained a replacement policy, effective XX/XX/year>. Wells Fargo 's own records confirm this replacement policy is current. Wells Fargo subsequently charged my mortgage account {$960.00} as a lender-placed insurance ( LPI ) fee for the lapse period of approximately XXXX months ( XX/XX/XXXX XX/XX/year>XXXX ). My annual homeowners insurance premium for this same property is {$540.00} per year ( $ XXXX ). The LPI charge of {$960.00} for XXXX months represents an annualized rate of approximately {$5200.00} per year nearly XXXX times the cost of my actual insurance policy for the identical property. On XX/XX/year>, I called Wells Fargo and was directed to submit a written waiver request, which I faxed the same day to the Written Correspondence Department. Wells Fargo did not remove the charge. On XX/XX/year>, I submitted a formal RESPA Notice of Error ( certified mail ) to Wells Fargo 's designated RESPA address ( XXXX XXXX XXXX XXXX XXXX IA XXXX ), asserting that : ( 1 ) the charge violates 12 C.F.R. 1024.37 ( h ) as it is not " bona fide and reasonable '' ; and ( 2 ) I have not received evidence that Wells Fargo complied with the required two-notice sequence ( 45-day first notice and 30-day reminder notice ) mandated under 12 C.F.R. 1024.37 ( c ) and ( d ) before assessing the charge. The charge remains on my 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 2026-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Flexible Finance, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Flexible Finance Inc. ( Flex ) and their debt collector, XXXX, regarding a disputed debt of {$300.00} that I do not owe. Full Timeline : I used Flex to split my {$950.00} rent at XXXX XXXX XXXX in XXXX, NC. My move-out date was XX/XX/year>. Flex advanced my full XXXX rent of {$950.00} to XXXX on XX/XX/XXXX. I disputed my first installment of {$650.00} with my bank this was done on the advice of XXXX. I also paid my prorated rent of {$150.00} directly to XXXX via money order. When I first contacted XXXX about getting the {$650.00} back, they told me they could only return it with my security deposit, which would not have been until XXXX a full month later. I needed that money immediately for rent at my new apartment and could not wait. XXXX then advised me to dispute it with my bank, which I did and successfully recovered the {$650.00}. After I informed both Flex and XXXX of the bank dispute, Flex began insisting that XXXX should send the {$950.00} back to them directly if I requested a reversal. However, when I contacted XXXX, they clearly stated they can not initiate a reversal Flex must contact them directly to retrieve the funds. I have a recorded call confirming this. XXXX has been attempting to reach Flex for approximately two months with no response. The {$950.00} remains in holding waiting for Flex to claim it. I also received a {$20.00} return check fee on my deposit from XXXX as a result of the bank dispute being processed, which further confirms the dispute was completed and acknowledged by the property. Flexs own support agent, XXXX, confirmed in writing on XX/XX/year> that : ( 1 ) the responsibility for returning the overpayment lies with XXXX, ( 2 ) all payment authorizations on my account were officially revoked, and ( 3 ) no further action was required on my part. Despite all of this, Flex sent my account to a debt collector called XXXX for {$300.00}. I disputed the debt with XXXX and provided all of the above documentation including the recorded call with XXXX. XXXX denied my dispute anyway. Flex is pursuing me for a debt their own agent confirmed I do not owe, while refusing to contact XXXX to retrieve the {$950.00} already sitting in holding for them. This has caused my account to be placed in collections unjustly. I am requesting that this debt be closed immediately, that my account be removed from collections, and that Flex be required to contact XXXX XXXX XXXX to retrieve the funds already set aside for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bilt Technologies, Inc.
State: NJ

Complaint narrative:
I am a BUILT customer using their credit card for my rent payments. BUILT sent me a new XXXX card to replace their old card, and as a result, during the transition from the old card ( backed by XXXX XXXX ) to the new XXXX card, they incorrectly transferred a $ XXXX balance to my new XXXX card. I tried to reach out to both XXXX XXXX and XXXX several times, and both parties blame the other side for the error. I opened a support case ( # XXXX ) with BUILT XX/XX/year> and where the customer service requested " last XXXX XXXX XXXX statements ( covering the period around the time of your balance transfer ) ''. I provided those statements on the same day, via email. The statements clearly show that XXXX has made an error when transitioning my account over from XXXX XXXX. Since then, I have reached out to support multiple times by phone and email, and every time I receive the same answer : the case is being processed, and there is no ETA for resolution. They admitted that many other customers are facing the same issue, but they can't provide a timeline. Unfortunately, I have to make monthly payments on that balance to avoid a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NV

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against a debt collector for reporting an inaccurate balance on an alleged debt despite a court ruling establishing a different amount owed. Company name or names IQ Data XXXX on behalf of XXXX or XXXX The debt collector continues to report and attempt to collect an amount that does not match the judgment ordered by the court. This inaccurate reporting is causing harm to my credit profile and financial standing. The court issued a judgment establishing the lawful amount owed ; however, the debt collector is reporting and attempting to collect a higher and incorrect balance. By knowingly reporting false information and failing to correct the balance after a judicial determination, the debt collector appears to be in violation of federal law. The following laws may have been violated : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e Prohibits false, deceptive, or misleading representations in connection with the collection of a debt. Reporting or attempting to collect an amount not authorized by the court judgment may constitute a false representation of the character, amount, or legal status of the debt. 2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692f Prohibits unfair or unconscionable means to collect or attempt to collect a debt. Attempting to collect amounts exceeding the court-ordered judgment may violate this section. 3. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 Requires furnishers of information to provide accurate information to credit reporting agencies. Continuing to report inaccurate balances after notice and after a court ruling may constitute negligent or willful noncompliance. I request that the Consumer Financial Protection Bureau investigate this matter and require the debt collector to : Correct the reported balance to match the court judgment Cease reporting inaccurate information to all credit reporting agencies Provide validation and accounting of the alleged debt Remove any inaccurate or misleading information from my consumer reports I am prepared to provide supporting documentation, including the court judgment and copies of the inaccurate reporting. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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:
URGENT : HOME CLOSING AT RISK ( XX/XX/year>XXXX ) Bank of America is refusing to provide digital or faxed proof of payment for a closed credit card account ( Account Ending in XXXX ). The charge was for {$43.00} dollars and I paid it off over the phone with Bank of America on XX/XX/year>. This documentation is a critical requirement for a home mortgage closing scheduled for XX/XX/XXXX. Despite multiple escalations to the executive offices ( including emails to XXXX XXXX and XXXX XXXX with XXXX XXXX XXXX ) and a visit to a local branch XXXX XXXX XXXX, XXXX NY on XX/XX/year>, Bank of America states they can only send this documentation via " snail mail. '' They have repeatedly claimed they would fax the letter to my lender, but the lender has confirmed no such fax has been received. My account is closed, so I can not access this information via online banking. By refusing to provide this basic documentation in a timely manner ( fax or digital PDF ), Bank of America is causing irreparable financial harm, as I am at risk of defaulting on my home purchase contract.

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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: WA

Complaint narrative:
XX/XX/XXXXXXXX {$48.00} XXXX XXXX Did not receive the order and was denied by CashApp for the refund. Asked for an appeal and was denied again. XX/XX/XXXXXXXX {$43.00} XXXX XXXX Did not receive the order and was denied by CashApp for the refund. Didnt get a chance to appeal because Im busy with school and later forgot about it. But this order was taken by someone else other than my self. XX/XX/XXXXXXXX XXXX Been Verified a company that pops up under spam pages signed me up for something that I did not want and made cancelling very difficult on their website. And i didnt want their subscription I only wanted the trial and my dispute was denied by CashApp XX/XX/XXXXXXXX {$9.00} XXXX. Originally I wanted to use their services but after signing up they revealed that they also wanted to charge me another {$25.00} fee to use their notary which was absurd because I could get it done at my bank for free. I emailed the company explaining that i didnt want their services and I cancelled the subscription right way same moment and was not refunded my money and CashApp denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: MD

Complaint narrative:
Is the game call XXXX it says download free game when free money so I download the game using my cash app card once I use my cash app card I start playing the game it took off money off my card {$14.00} or {$14.00} and some change your card I don't know what's going on but on XXXX it took the money off my card XXXX I require my money back no response I told them that I will be making a police report no response so now I'm coming to your ex to y'all for help I need my money back on my card times are hard and I did not ask them to use my card to take off anything I'm XXXX I'm living in low income housing and I need my money little or big it belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am submitting a formal complaint against Synchrony Bank regarding an unresolved billing dispute and an unauthorized autopay withdrawal. I bought a mattress on XX/XX/XXXX for XXXX and they set up an account for monthly payments with synchrony. On XX/XX/XXXX i called to get another card since i hadn't received my card and i couldn't access the app to set up autopay, i also did a phone payment of XXXX dollars since they told me my due date was XX/XX/XXXX.. On XX/XX/XXXX i got my card and set up the app and realized i had a balance of {$13000.00}, I called Synchrony and they said i was double charged and they filled a dispute, they said everything was good and i would not have to pay for the extra charge. I set up automatic payments for a fixed amount of {$200.00} per month, which is higher than my required minimum payment ( approximately {$180.00} ) Despite this, Synchrony withdrew {$370.00} from my account on XX/XX/XXXX during the most recent billing cycle without my authorization. I did not authorize any change to my autopay settings, and I did not authorize a payment in that amount. I believe Synchrony may have improperly included a disputed charge or failed to follow my autopay instructions. I have attempted to resolve this issue directly with Synchrony but have not received a satisfactory resolution.

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