vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 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:
In XX/XX/year> I entered into a one time coaching contract with a Canadian-based coach for $ XXXX. The contract was specifically for services to be rendered by the named coach directly. Within the first week he attempted to substitute a different coach without my knowledge or consent, which I objected to in writing. I requested cancellation and a refund at that time. Despite this, the merchant continued charging my card $ XXXX for 5 months total months beyond the contract term itself with zero services rendered. I have text message documentation of the entire dispute including my cancellation request and his acknowledgment. I contacted Chase to dispute all 5 charges totaling {$2200.00}. Chase refused to dispute 2 of the charges citing their XXXX policy window despite my XXXX account history and clear evidence of merchant fraud. I am requesting Chase honor disputes on all 5 charges given the documented unauthorized nature of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: TX

Complaint narrative:
On XX/XX/2026, Chase sent me a fraud alert regarding XXXX XXXX activity on my account ending in XXXX. Chases own fraud system flagged the activity as suspicious and asked me to confirm whether I authorized it. On XX/XX/2026, a debit of {$3100.00} from XXXX XXXX XXXX XXXX my account. After the transaction posted, I contacted Chase to dispute the charge and request that it be handled through Chases fraud/error investigation process. Instead of properly opening and processing the claim, Chase representatives redirected me back to the merchant and refused to meaningfully intake, classify, or investigate the disputed transaction. I also requested an explanation for why Chase flagged the activity as suspicious on XX/XX/2026 but still allowed the charge to post. On XX/XX/2026, I contacted Chase again to escalate the matter. During that call, I requested a formal investigation, clarification of how Chase classified the claim, and an explanation of why the bank would not process it through its fraud/error procedures. The matter was still not properly resolved. Because Chase failed to timely and properly handle the disputed transaction, my account was driven negative and a separate {$250.00} deposit was absorbed into the negative balance. This caused additional financial harm and interfered with urgent business and vehicle-related obligations. My complaint is not only about the disputed XXXX debit itself, but also Chases failure to provide a clear, consistent, and meaningful investigation process after its own systems flagged the activity as suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
XX/XX/XXXX a fraudulent wire transfer was made to Wells Fargo for {$25000.00} XX/XX/XXXX a fraudulent wire transfer was made to Wells Fargo for {$10000.00} Both transfers were made fraudulently by someone that had access to my phone and my accounts at XXXX Bank. XXXX has recalled the wire transfers and Wells Fargo responded by saying, sorry. Funds are no longer available. They are not even trying to investigate the fraudulent account of their customer where the funds went. They should debit the account of their customer, put account in negative and find out who they are and prosecute. I want my money back!!

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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
Account closed for invalid reason ( alleged bad address, but address was correct and unchanged throughout account ownership ). No notice or reason given to cardholder. Cardholder entitled to reinstatement under FCRA.

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 2026-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC
State: VA

Complaint narrative:
This is my third time having to dispute against the original debtor, XXXX. This is my second time disputing against MiraMed Revenue group. MiraMed Revenue Group is still trying to collect a debt I do not owe. First, they tried to collect a debt of {$150.00}, I disputed it, and the account was closed. Now, theyre saying I owe $ XXXXwhen I dont. My original outstanding balance with XXXX was sent to XXXX XXXX. I seriously wish XXXX and MiraMed Revenue Group would STOP hassling me for money that was already given to a different debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to me Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Respondent : Mutual of XXXX Mortgage Loan XXXX : XXXX XXXX XXXX Number : XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Loan Type : Home Equity Conversion Mortgage for Purchase ( XXXX ) -- - I am filing this complaint against Mutual of Omaha Mortgage and loan officer XXXX XXXX for failure to provide timely mortgage disclosures as required under RESPA and Regulation Z, and for material misrepresentation of loan costs. On approximately XX/XX/XXXX, I initiated contact with XXXX XXXX of Mutual of Omaha Mortgage regarding an XXXX reverse mortgage for the purchase of a property at XXXX XXXX XXXX, XXXX, NC XXXX. Over the following weeks, I provided extensive financial documentation at XXXX XXXX 's request, including income information, asset statements, and personal financial records. During this period, XXXX XXXX communicated a net proceeds figure of {$100000.00} to me via email message. No formal Loan Estimate or written cost disclosure was provided at that time. I relied on this figure in good faith when evaluating whether to proceed with the transaction. I did not receive the actual loan application until XX/XX/XXXX more than two weeks after my initial contact and the commencement of the application process. This delay in delivering the Loan Estimate violates RESPA 's requirement that a Loan Estimate be provided within three business days of a complete application. When I reviewed the application documents on XX/XX/XXXX ( XXXX XXXX. XXXX ), I discovered for the first time a lender 's title insurance charge of {$6000.00}. This fee was never disclosed to me verbally or in writing during the more than four weeks I was actively engaged with XXXX XXXX and providing financial information. There was no changed circumstance that would justify introducing this fee at such a late stage. The late disclosure of this material fee representing a significant and unexpected cost is a violation of RESPA 's disclosure requirements and constitutes an unfair and deceptive practice. I was effectively required to invest significant time and provide sensitive personal financial information before being shown the true cost of the loan. Upon discovering this undisclosed fee, I canceled the application immediately. I am requesting that the CFPB investigate Mutual of Omaha Mortgage and XXXX XXXX for these disclosure violations and take appropriate regulatory action. I am also requesting that this complaint be forwarded to HUD, as XXXX loans fall under federal HECM program oversight. I have retained all documentation, including the loan application dated XX/XX/XXXX, and e mail message communications from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: CO

Complaint narrative:
I have a checking account with Key Bank, XXXX. A term and condition of my checking account is that I made at least a {$3000.00} direct deposit per billing cycle. Key Bank has a mandatory, non-opt out " early deposit '' program where my monthly salary direct deposit is deposited in advance of the normal last day of the month schedule. The deposits are unpredictable and have twice resulted in my direct deposit being made outside of a normal billing cycle. I am unable to opt out of the " early deposit '' program. The first time this happened in XX/XX/XXXX, I called to contest the charge I was told the charge would be refunded as a " one time courtesy ''. The second time it happened in XX/XX/XXXX, I was told the charge would be refunded as a " one time courtesy ''. It was refunded both times. What appears to be going on is Key Bank is hoping I don't notice the charge ( or hoping other less diligent customers don't notice the charge. ) This strikes me as a deceptive business practice and inconsistent with federal law about disclosure of terms and conditions of FDIC insured banking institutions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am filing this formal complaint against Robinhood Markets , Inc. ( headquartered at XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) regarding the inaccessibility of approximately 14,000 cbXRP tokens deposited to my Robinhood account, currently valued at approximately {$20000.00}. I believe Robinhood has engaged in unfair, deceptive, or abusive practices in violation of the Consumer Financial Protection Act ( CFPA ). Summary of Events : On XX/XX/XXXX, I transferred approximately 14,000 cbXRP tokens ( XXXX-wrapped XRP on the Base/Ethereum Layer 2 network ) from my XXXX account to my Robinhood account using the wallet deposit address provided by Robinhood. The blockchain record confirms the tokens arrived at a wallet address controlled by Robinhood. After contacting Robinhood customer support, I was informed that the platform does not support cbXRP on the Base network and that there was " nothing they could do. '' At no point during the deposit process did Robinhood 's platform clearly warn me that the Base network or cbXRP tokens were unsupported. The deposit interface provided only a wallet address with insufficient network-specific warnings, leading me to reasonably believe the deposit would be accepted and credited. Nature of the Consumer Harm : ( 1 ) Deceptive Practice Robinhood 's deposit interface did not adequately disclose that only native XRP on the XRP Ledger ( XRPL ) network was accepted. A reasonable consumer would not understand that a deposit address provided by Robinhood could not receive all XRP-related tokens. ( 2 ) Unfair Practice Robinhood is currently holding approximately {$20000.00} of my digital assets in a wallet address they control while refusing to return them or take any remedial action. This causes substantial financial injury to me as a consumer. XXXX has agreed to help me recover the funds and all Robinhood has to do is send it back to XXXX since they do not support it. ( 3 ) Failure of Duty As a regulated financial institution, Robinhood had an obligation to either support the asset, reject the deposit at the point of entry, or provide clear warnings that such deposits could not be credited or returned. Prior Attempts to Resolve : I contacted Robinhood customer support on XX/XX/year>, XXXX, XXXX and XXXX. I received responses on stating that the company could not assist. I also sent a formal written demand letter to Robinhood 's Legal Department on XX/XX/XXXX. I am happy to provide any additional documentation, including the full blockchain record, screenshots of the Robinhood deposit interface, and all customer support correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Couch Lambert LLC
State: TX

Complaint narrative:
Received a letter in the mail total of two times now. Debt collector from a XXXX XXXX credit card in the amount of {$2600.00}. I called the XXXX XXXX credit card company ( separate from the number on the bill ) asking if a credit card had been taken out in my name, they said no. I tried to reach the number on the letter send and it was a voicemail. I do not have a XXXX XXXX credit card and these people are scamming. Below I will send information on bill Couch Lambert XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX Main office : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX XXXX XX/XX/year> Pay online at XXXX XXXX or XXXX TTY services dial XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I sent {$600.00} through XXXX for a business deal. XX/XX/year>. The person misled me and showed fake/scheduled transactions to make it look like they sent me money. They then tried to get more money from me. I believe this is a scam and I want to file a fraud dispute and request a recall. I tried to dispute it with my bank but they didnt allow me to dispute it and this person has blocked and changed his numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
The XX/XX/year> statement balance on my CapitalOne Credit Card ending XXXX was {$900.00}, minimum of {$26.00}, due by XX/XX/year>. I paid {$900.00} on XX/XX/year>. The card has been closed for around a year and there have been {$0.00} in new purchased. CapitalOne charged me an Interest Fee of {$8.00} on XX/XX/year>, and a Past Due Fee of {$8.00} on XX/XX/year>. My card was closed and paid in full as of XX/XX/year>. I was unaware there was an interest charge that resulted in a late fee. I called customer service today and was advised by both an associate and a manager that they couldn't waive those fees. I paid them just now before writing this complaint. They're illegal fees. Additionally, I'm concerned about CapitalOne reporting to the credit bureaus when they're charging me illegal fees. How do I know they won't continue to charge me more fees? It's predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-31 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: Bilt Technologies, Inc.
State: WA

Complaint narrative:
I am filing this complaint regarding a disputed charge of {$380.00} on my Bilt XXXX XXXX ( issued by XXXX ), dated XX/XX/year>. The charge was made through Bilt XXXX for a hotel booking at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX, for XX/XX/XXXX The booking was made accidentally due to a UI design issue in the Bilt XXXX app. The booking confirmation button was positioned at the bottom of the screen in a location easily confused with navigation gestures on a smartphone. The transaction was processed instantly without adequate confirmation steps. I took the following steps to resolve this : 1. I cancelled the booking immediately after realizing the mistake. 2. I contacted Bilt XXXX support, who confirmed the hotel denied the refund. 3. I attempted to file a dispute through the Bilt app and by phone, but was repeatedly redirected without resolution. 4. When I formally requested a chargeback, I was told that charges categorized under " Bilt Rewards '' can not be disputed. I do not accept this as a valid reason to deny a legitimate dispute right. I believe this response violates my rights as a cardholder under the Fair Credit Billing Act ( FCBA ), which entitles me to dispute unauthorized or erroneous charges regardless of internal merchant categorization. Furthermore, the Bilt XXXX app 's UI design contributed directly to this accidental transaction, and the lack of an adequate confirmation step represents a consumer protection concern. I am requesting a full refund of {$380.00} and a formal investigation into both the dispute denial and the app 's UI practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$1500.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$270.00} Account name XXXX XXXX XXXX Account number XXXX Account type Charge Card Date opened XX/XX/XXXX Balance {$380.00} Account name XXXX XXXX XXXX Account number XXXX Account type Secured Card Date opened XX/XX/XXXX Balance {$0.00}

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year> I withdrew {$200000.00} from my account at XXXX Bank in XXXX MA and received it in the form of a XXXX bank check. I then walked down XXXX XXXX to Bank of America in XXXX and deposited the XXXX check into my Checking account at Bank of America at the window with a teller. Because it was a large check, the teller asked a supervisor to look at it and it appeared to be all good. They accepted the check and I received a receipt for the check. The next day, Saturday, XX/XX/XXXX, I received an email from bank of America informing me that my check would be put on hold : " Details XX/XX/year> at XXXX XXXX local time {$200000.00} We've placed a hold on your deposit because we have information indicating the check ( s ) may be returned. '' I have checked my bank account for the past two days and I see that the check was deposited and then subtracted from my account. Today I called a person who I have worked with before at Bank of America to ask why my check was placed on hold. She did not know the specifics of my case but said that they often will hold a large check from 'another bank ' to make sure it is okay. She then gave me the phone number of the Bank of America Hold Department and said I could call and ask that the check be released from the hold. I called that number ( XXXX ) and spoke to a woman ( XXXX ) about my complaint and asked that my check to be released from the hold. She put my phone on " Hold '' and said she would speak to someone in the Hold Department. After several minutes she came back and said that it was the bank 's policy to hold checks until they could be certain that the funds would not be " taken back '' by the issuing bank and that they would not release my check from the hold. I asked again to speak to someone who could tell me what was happening to my funds. I told her that I planned to open a CD with those funds and that while they were holding my check I was not earning interest on the money. I told her that if this is the bank 's policy the bankers at Bank of America should have told me before they took my check that it would be placed on hold because I would not have given it to them under those circumstances. She did not connect me to the people in the " Hold Dept. '' It is not right that Bank of America is holding my check for over a week and I don't have access to that very large amount of money.

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 2026-03-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Credit Glory LLC
State: FL

Complaint narrative:
I attempted to cancel within the 3-day cancellation period. The company is refusing cancellation and refund I signed the contracts yesterday XX/XX/XXXX at XXXX And it states Notice Of Cancellation You may cancel this contract, without any penalty or obligation within three ( 3 ) days from the date the contract is signed. To cancel this contract, mail or deliver a signed and dated copy of this cancellation notice, or any other written notice, to : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NV XXXX, not later than XXXX of the 3rd day which begins after the date the contract is signed by you. I hereby cancel this transaction.

Company response to consumer: Closed with explanation