vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
This is pertaining to a previous complaint about the fraudulent wire transfers from my compromised account. Subject : Unauthorized Wire Transfer Due to Account Takeover and Failed Fraud Prevention - JPMorgan Chase. I am filing this complaint against Chase Bank regarding XXXX fraudulent wire transfers totaling {$35000.00} that resulted from a full account takeover and a failure of Chase 's fraud prevention and verification procedures. XX/XX/XXXX : {$25000.00} XX/XX/XXXX : {$10000.00} First-time wire transfer draining my account. This was not a legitimate or meaningfully authorized transaction. At the time of the wire transfers, my device and banking session were actively compromised by a fraudster. The scammer had gained access to my phone through a malicious app and was simultaneously on the phone with me, directing my actions in real time while accessing my financial information. During Chase 's verification call, I was being coached and controlled by the fraudster, who had visibility into my account and was instructing me exactly what to say. As a result, any responses I gave during the verification process were not independent or reliable. This situation constitutes account takeover and real-time social engineering, not valid authorization. The transaction should not be treated as authorized under these conditions. This transaction exhibited multiple high-risk indicators that should have triggered enhanced fraud prevention measures : 1. First-time wire transfer activity 2. Transfer of my entire account balance 3. Unusual urgency and behavior inconsistent with my account history. 4. Indicators of scripted or coached responses during verification Chase failed to identify and on these red flags. Chase failed to protect me as their customer under account takeover conditions. Chase 's internal controls failed me at the most critical moment - the live verification call. The bank did not detect that I was under duress and being coached by a fraudster with active access to my device and financial session. This represents a breakdown in reasonable security procedures. Chase failed to intervene despite multiple indicators that the transaction was not legitimate. My requested resolution is for full reimbursement of the fraudulent wire transfer amount, {$35000.00} Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
The company charged me interest of {$800.00} and did not provide me even the courtesy refund for any of the interest charges, I have been making minimum payment with the information that I had XX/XX/XXXX APR for the card and yet the company refuses to refund me the extra {$800.00} that they charged me, I don't have the card information on me but I don't remember looking atXX/XX/XXXXXXXX interest on purchases from day XXXX. I would like my {$800.00} back that they falsely claimed to be interest charges. XXXXXX/XX/XXXX chase credit card has been misrepresenting their terms and conditions. They said its a variable rate. I would really appreciate if someone can please look into this matter and stop XXXX chaseXX/XX/XXXXcard from continuing their malpractices and not even providing the courtesy interest refund fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: PA

Complaint narrative:
I am submitting this complaint regarding a cryptocurrency fraud case involving multiple platforms, including XXXX, Kraken, XXXX, XXXX, and XXXX. Between XX/XX/year> and XX/XX/year>, I was the victim of a cryptocurrency investment scam followed by a recovery scam. I was contacted via XXXX and later XXXX. I was instructed to download an application presented as EToro ( XXXX XXXX XXXXXXXX ), which I later discovered was fraudulent. All funds originated from my XXXX XXXX XXXX account and were transferred to XXXX, Kraken, and XXXX, converted into XXXX, and sent to external wallet addresses. The wallet addresses include : - XXXX - XXXX Small amounts ( approximately {$100.00} and {$120.00} ) were received prior to larger transfers. After that, I transferred larger amounts of cryptocurrency to the same wallet addresses. Despite multiple high-value transfers to the same external wallet addresses, no warnings, transaction holds, or risk alerts were applied by the platforms. XXXX indicated a likelihood of fraud and stated they would cooperate with law enforcement if contacted. Current status : - The case is under mediation with the State Attorney Generals office - An FBI IC3 complaint has been submitted- I have not received follow-up from local law enforcement - Exchanges indicated they will respond to law enforcement requests Case documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that this case be reviewed for issues related to fraud prevention, transaction monitoring, and consumer protection. Approximate total transferred from my XXXX XXXX XXXX account and ultimately sent to external wallet addresses : {$130000.00} USD. Breakdown of transfers : XXXX : {$10000.00} + {$9900.00} + {$2200.00} + {$10000.00} + {$3900.00} - {$3700.00} Kraken : {$5000.00} + {$2200.00} + {$17000.00} XXXX : {$20000.00} + {$100.00} + {$120.00} + {$3300.00} + {$43000.00} + {$7000.00} + {$7200.00}

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 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: IA

Complaint narrative:
I am filing a complaint regarding inaccurate and misleading credit reporting by Chime. Chime is currently reporting a balance of approximately {$5300.00} on my credit report. This is incorrect. The amount being reported reflects cumulative deposits or transaction activity, not an actual outstanding balance. My account has a {$0.00} balance and is in good standing. At no point have I owed this amount as a debt. This inaccurate reporting is falsely inflating my credit utilization and is significantly damaging my credit score. I have reviewed my account and confirmed there is no legitimate balance owed. Reporting cumulative deposits as a balance is misleading and does not accurately reflect my credit obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I open up an account with Square credit card processing company. They processed {$660.00} of my money and on XX/XX/XXXX they closed my account and kept my {$660.00} for no reason. XXXX phone calls and XXXX emails and they refuse to give me my money or to explain why they are holding it. In their deceptive small print they disclose that funds may be held for XXXX to XX/XX/XXXXdays. It has now beenXX/XX/XXXX days and they refused to release my stolen funds of {$660.00}. The phone number they list is not valid anymore and the members of their support team online have told me XXXX times that they have no clue why my funds are being withheld. I explained that they are not abiding by their own contract and still they have no answer for me. I'm in business for several years and I amXX/XX/XXXX compliant and have processed tens of thousands of credit cards. In my research they have done this to thousands of small business 's for no reason. I learned to contact the CFPB and the XX/XX/XXXX first before I have to pay a lawyer to get my funds released.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: NY

Complaint narrative:
I had XXXX charges in XX/XX/XXXX to a vendor named XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, each for {$4600.00}. The XX/XX/XXXX charge was briefly cancelled by me due to a delay in the start date for the work. However, a couple of hours later I reauthorized the payment after getting assurance from XXXX XXXX that he would start the job promptly. Chase told me the transaction would go through, but may take up to XXXX days for XXXX XXXX to receive the money due to the reissue. Chase specifically gave me a date of XX/XX/XXXX when XXXX XXXX would receive the money. That timeline came and passed and XXXX XXXX did not receive the money. XXXX XXXX and I, on a joint call, spoke to Chase on more than XXXX occasion. XXXX XXXX office assistant, XXXX, on a joint call, also spoke to Chase on more than XXXX occasion. XXXX XXXX never received the money. I asked Chase repeatedly for information, asked to speak to managers, these efforts failed to get the transaction through. I asked them to track the money and they kept telling me that all I needed was my credit card statement to show to XXXX XXXX as proof that the money was sent. XXXX XXXX merchant bank is XXXX XXXX XXXX. Please see attachment showing XXXX & XXXX returned this money to Chase. I called Chase again, and they said they resent it to XXXX & XXXX on XX/XX/XXXX. I want to note here that this was the first time they ever said they had received it back and resent it. This call was in XXXX. I asked repeatedly for Chase to track this payment, with no success. XXXX & XXXX said there is something called an ACH number and they didnt understand why I can not get the number from Chase XXXX track the payment. Frustrated, I decided to just ask Chase to cancel this charge altogether so XXXX XXXX can run it through again. First they told me no. Then they told me yes, they would go ahead and cancel that XX/XX/XXXX payment. However, they did not cancel the XX/XX/XXXX charge, they incorrectly cancelled the XX/XX/XXXX charge. As a result of this error, not only had XXXX XXXX not received the XX/XX/XXXX payment but he was also about to lose the XX/XX/XXXX payment. I contacted Chase to correct their error and they withdrew the XX/XX/XXXX dispute. I decided to just pay XXXX XXXX by personal check for the XX/XX/XXXX charge as it had been the third month of him waiting to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a purchase totaling {$190.00} for merchandise using Affirm. The purchase was split into four payments of {$49.00}. On XX/XX/XXXX, I received a notification stating that the package had been delivered to my mailbox. However, when I checked, no package was present. I immediately contacted the merchant to report that I did not receive the item and requested either a replacement or a refund. The merchant failed to address my concerns properly and did not provide a resolution. I also contacted my local post office and obtained written confirmation stating they could not verify that the package was delivered to the correct address. After receiving no resolution from the merchant, I filed a dispute with Affirm. Affirm denied my dispute, stating that, under the merchants policy, they could not issue a refund. I submitted two additional disputes with Affirm and received the same response each time. On XX/XX/XXXX, I filed a dispute with my bank. On XX/XX/XXXX, my bank determined that I am not liable for these charges. Despite this, Affirm continues to hold me responsible for the loan balance and has sent the account to collections, even though I never received the merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I requested to cancel my account with Milestone credit card service in XX/XX/XXXX. Account was never cancelled and continued to receive monthly late fees and processing fees. On XX/XX/XXXX I received a call from their customer service requesting a payment. After demanding they escalate the call to review recorded calls, they stated they cancelled my account in XX/XX/XXXX, which has likely impacted my credit report. After starting the fraudulent charges and that I would be reporting them, they escalated again and responded that they have reversed all fees and that I would have a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
In early XX/XX/2026, a check was deposited into my joint Citibank savings account. The check writer placed a stop-payment order on the check immediately after deposit. Citibank received and verbally confirmed that stop-payment order by phone on the same day. The following business day, a Citibank branch representative released approximately {$6000.00} in cash to me despite the active, bank-confirmed stop-payment on the deposited check without any disclosure that a stop-payment existed or that the funds were restricted. I withdrew the funds in complete reliance on the bank 's conduct, which represented the check had cleared. I did not learn of the stop-payment until the check writer contacted me days later. Citibank has since closed the account, demanded repayment of {$5900.00}, and threatened referral to collection agencies and reporting to XXXX and credit bureaus. When I contacted Citibank three separate times to dispute the charge and seek a payment arrangement, I received three different charge-off timelines ( XXXX days, XXXX days, XXXX days ) and was told by every representative that the process is fully automated with no ability to intervene, offer a payment plan, or escalate to a supervisor. The bank 's failure to honor its own confirmed stop-payment order created this overdraft not any action or negligence on my part.

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 2026-04-12 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: NC

Complaint narrative:
Issue : Credit Card Dispute Failure to Properly Investigate I am filing a complaint regarding Bank of Americas handling of a billing dispute related to approximately {$12000.00} paid to XXXX XXXX for Tour # XXXX, an educational trip to XXXX scheduled for XXXX XXXX XXXX I disputed this charge due to significant and documented safety concerns. On XX/XX/year>, teacher XXXX XXXX XXXX was XXXX XXXX XXXX outside her school in XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, just before the school day began, in front of students and parents. During this same period, XXXX was experiencing escalating XXXX, including armed attacks, killings, kidnappings, cartel-related brutality, states of emergency, and military XXXX. The XXXX Department XXXX XXXX also issued travel advisories warning of serious safety risks. Bank of America denied my dispute, stating that the transaction was outside the applicable dispute window, which was referenced to me as a 78-day period. However, that position fails to account for the fact that the basis for the dispute was a material change in safety conditions that occurred after the original transaction date and directly affected the ability to safely use the purchased travel services. I do not believe Bank of America conducted a reasonable or fair investigation. The denial appears to have relied on a procedural time limitation rather than a substantive review of the documented safety risks and the changed conditions affecting this educational trip. I am requesting that Bank of America conduct a thorough reinvestigation of this dispute, taking into account the material change in conditions and the documented safety concerns that made this trip unsafe and unsuitable.

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 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I just noticed that there are XXXX {$15.00} service fee from Wells Fargo bank each month starting in XX/XX/XXXX. I was told by XXXX XXXX that they changed the fee structure in XX/XX/XXXX. I asked to waive the fee but declined. Then the call was escalated. The rep XXXX told me she will do a courtesy to waive XXXX times the fee. I said that was not right. Because over XX/XX/XXXX years, and in many times, even last year, I was told and assured that if I keep my savings account minimum balance no less than {$500.00}, there won't be any service fee on my checking account. However, XXXX told me that my savings account was not linked to the checking account. I told her that was not what I was told. Also, if XXXX wants to change my account for the fee, if I was told so, I could have transferred the money from savings to checking account to avoid the fee. The phone call was unpleasant so I asked to escalate the call again. She refused to do so. Then the call went to dead air, and I got disconnected. I am very confusing about Wells Fargo 's handling the old good customer 's account. And disappointed, too.

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 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
All i know is that PayPal is holding my money and closing my account they can't keep my money on what they think tell them to prove what the reason is and give me tye reason for keeping my money. There is no transaction or checks on the account that will constitute a chargeback

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 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO XXXX XXXX CARD XXXX XX/XX/year> XX/XX/year> INTEREST CHARGE ON PURCHASES {$170.00} Product : Credit Card Issue : Incorrect fees or interest Company : Wells Fargo Complaint : I am submitting this complaint regarding an interest charge that I believe was unfairly assessed due to a system transition issue. My credit card account was recently transitioned from XXXX XXXX to Wells Fargo. During this transition, I was required to relink my external XXXX XXXX XXXX savings account in order to make payments. This additional step caused an unexpected delay, and my payment was posted one business day late. This was not due to negligence or failure to pay, but rather a direct result of the account transition and payment setup process imposed by Wells Fargo. I made a good-faith effort to complete the payment on time. I contacted Wells Fargo customer service to request a courtesy interest reversal, explaining the situation. However, my request was denied, even after escalation. I acknowledge that I previously received a courtesy adjustment in XXXX. However, that situation was unrelated. This XXXX delay was caused specifically by the system migration and account relinking requirements, which were outside of my normal payment process. I believe it is unreasonable to charge interest under these circumstances, especially when the delay was minimal ( one business day ) and directly tied to system changes. Resolution Requested : I am requesting that Wells Fargo : 1. Reverse the interest charges associated with this incident 2. Review their handling of account transitions to prevent similar issues for customers Thank you for your time and consideration.

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