vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I had opened a checking for my XXXX  and I at the Chase Bank XXXX XXXX XXXX, XXXX, nc. I did not know my credit would be viewed or third party, XXXX  XXXX XXXX inacurrate, red lining and race triggered reporting was main reason I was declined me a better checking account with features like overdraft protection/grace period. I currently, being charges {$4.00} for basic checking and feel this bank put minorities in lower tiers to prevent them for getting access to personal loans and products.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
Ive had a few different problems with this company Carrington Ridge. I have had a huge amount of fees applied to it in a short amount of time making it hard to catch up on payments and then once I did catch up on payments after two foreclosures, I actually fully paid the payments. Each one is like {$11000.00} to reinstate the loan and then at that time I had showed $ XXXX {$4300.00} in my escrow account extra and when I asked for an escrow analysis they told me that they couldnt do that because they were doing analysis themselves at the time this was in XXXX I can attach the call recording if need be, now that Ive made the call on in mid XXXX for the escrow analysis they refused it saying that they couldnt do it because they were doing one currently and I couldnt do anything else with the account. You wouldnt do anything then when I tried to log onto to see my information, they currently have me my account being moved or something where they shut down my app. I cant even see my statements or payments or anything. I cant see that right now. I have a screenshot of that also.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One suspended my credit card account after flagging a payment as suspicious. The payment originated from my own business checking account, which I control. 

Importantly, this same business checking account has been used previously to make payments on this credit card, including payments that were accepted without issue until the balance was fully repaid. There were no changes to ownership, control, or account details. 

Inconsistent requirements and failure to follow internal guidance : During XXXX of my calls with XXXX XXXX XXXX department, I specifically asked whether the fraud XXXX could confirm the internal verification methods applicable when payments originate from a business account. I was informed that Capital Ones internal documentation indicates that alternative verification methods should be considered when payments come from business accounts. 

Despite this, Capital One refused to apply any alternative verification method in my case. 

Initially, a fraud prevention XXXX confirmed that a voided business check would be sufficient to verify the payment source. Acting in good faith, I provided the voided check as instructed. 

After submitting the voided check, a different Capital One agent reversed that guidance and stated that the only acceptable verification is a complete, unredacted business bank statement, with no alternatives permitted. No explanation was provided for why previously approved verification methods were no longer acceptable or why internal guidance regarding alternative verification was not followed. 

Steps Ive taken to resolve this : Full cooperation Escalated the issue internally Provided a voided business check, as originally approved Offered a redacted bank statement showing only the Capital One payment Confirmed that the same business account has been successfully used for prior and post payments Offered to cooperate through any reasonable alternative verification method All alternatives were refused. 

Why I believe this is unfair : Capital One accepted payments from this same business account in the past and there after Capital One representatives provided contradictory and changing instructions I relied on guidance from a fraud prevention XXXX in good faith Capital One acknowledged internal procedures allowing alternative verification for business accounts, yet refused to apply them The demand for a full, unredacted business bank statement exposes irrelevant and sensitive financial activity unrelated to verifying a single payment Despite my account balance being {$0.00}, Capital One continues to withhold my accumulated rewards points I am not refusing verification. I am objecting to the scope, inconsistency, and lack of proportionality of the verification demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: DC

Complaint narrative:
In XX/XX/year>, I redeemed Chase points for an airline ticket with XXXX XXXX. When flying this airline, I charged {$1300.00} to purchase an upgrade. 

The flight was canceled and rebooked for the next day. I did not receive my upgraded seat on the new flight, so XXXX XXXX said I would receive a refund for {$1300.00}. XXXX XXXX informed me that they remitted the funds used for purchase to Chase XXXX directly instead of my account. 

I informed Chase of the issue shortly after the incident. They noted that they would get back to me and refund my money. However, they ignored my request. Chase has {$1300.00} of my funds and I would like this sent to me in cash, or if faster, as a credit to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Credit Collection Services, which reported a collection account on my credit report without sending the required notice. According to the Fair Debt Collection Practices Act, they must send a written notice within XXXX days of contacting me, but I never received any communication about this debt before it appeared on my credit report. The details are as follows : Collection Agency : Credit Collection Services XXXX XXXX XXXX : {$150.00} Date Reported : XX/XX/year> Credit Bureau : XXXX XXXX XXXX XXXX  I request that the CFPB investigate this violation and ensure the collection agency either provides the proper notice or removes the account from my credit report. Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NEW YORK COMMUNITY BANCORP INC
State: MO

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX XXXX XXXX. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: FL

Complaint narrative:
On XXXX  I used Klarna to purchase from XXXX totaling {$160.00}. The shipment was handled by XXXX ( Tracking XXXX ). Although the tracking shows delivered, the delivery confirmation indicates delivery to an address that is not mine, and I never received the package. 

I disputed this with Klarna and submitted documentation showing misdelivery. Klarna initially sided with the merchant despite the proof, and later only credited the remaining Klarna balance owed. However, I am still out the amount already charged to my card for this purchase ( {$40.00} ) and I have no merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Have been in contact with JPMorgan Chase starting on XX/XX/XXXX requesting a XXXX XXXX on an auto Loan which was satisfied in XXXX. On each call to the Customer Service representative Ive been assured that a document was forthcoming. The last call on XX/XX/XXXX indicated the document was scheduled to go out that very day. When nothing arrived, I visited the XXXX Chase Bank office who worked directly with the XXXX XXXX XXXX. I was assured that it would take XXXX business days to process the request and a document would be sent. As of XX/XX/XXXX theres been no communication from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it.

Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  I was charged {$33.00} for a order I didnt authorize or purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX I logged in to pay my Citi card and noticed that there was a new card sent to me as my old card is expiring in XXXX ; however, I have not received it. I hit the button to request a replacement card and to my horror the system advised me that the card in my hand ( and I am about to leave on a trip, and this is my travel card ) was cancelled and a new card will be here in 4-7 business days. I called customer service 3x and used the chat option to speak with the company. I was told that that is the process and no matter who I talk to no one can help me reactivate the card in my hand, I just needed to wait the 4-7 business days, and no one would be able to do anything. 

Here is the issue, the screen said a card was sent with the same number, just a different expiration date and XXXX. I did not request a new card ; I did not say that my card was compromised ; I wanted them to send a replacement of the one they said they had already sent me.

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 2026-01-02 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2026-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: RI

Complaint narrative:
I have student loans for my son. They went into deferred status and I didnt know it had come out. My issue is that I have one payment each month but as they are several small loans in one they are reporting me on each small amount which has severely dropped my XXXX score. I dont have the option to pay them separately so why do they get to report separately? I accept one late payment per month, six is unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
Well I was just locked out of my account and now they highjacked my money and have done very little to help me get back into my account .when I asked why they locked me out they wouldn't give me an answer. I feel like this is just another type of fraud going on here

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 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
My accounts were hacked into on multiple bank accounts I didnt make this transaction for {$80.00} I want my money back and that account reported

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
How was signed up playing games had a app set up to cash app I played a bunch of games I tried to do a transaction where I have XXXX money on my cash games apps it's in my transaction had transferred to my cash app but cash app said they never received the transaction and I never received my money and just happened over and over

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OR

Complaint narrative:
I filed a dispute with cash app for a atm error on XX/XX/year> I was told I would receive a provisional credit for the amount of the dispute on the XXXX business day.. I have contacted support about the credit and keep getting the same thing telling me it's still under investigation & nothing else... It has been more then XXXX business days and still no credit... It also states on the cash app website that if the investigation takes longer then XXXX business days a provisional credit will be issued which clearly must be a lie because seems like they are refusing to even though I was told my dispute case is eligible for a credit and would be issued XXXX within XXXX business days. This company bullies there customers and shuts people 's account down and lies about the reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I made a purchase with XXXX for {$150.00} on line. The transaction for {$150.00} wasnt presented for final payment to Wells Fargo in a timely manner. The pending charge dropped off. For some reason, XXXX does not understand, the product was still shipped. So.XXXX continues to submit the {$150.00} for payment to Wells Fargo. Wells Fargo keeps declining the transaction. This has happened 7 times in a row. Ive called Wells Fargo each time and told them the charge is valid and they need to pay it. This to no-avail. Every time The system, according to Wells Fargo, automatically declines it as a potential fraudulent charge. They absolutely refuse to find the solution. Theyre just saying thats the way it works. Im getting no where with Wells Fargo or XXXX. Im now in the position of having to actually close my checking account & other accounts with Wells Fargo. Everytime the charge declines they put my debit card on hold. This all occurring since XX/XX/XXXX to present XX/XX/XXXX. Ive spoken with XXXX XXXX XXXX at XXXX, XXXX XXXX XXXX. Ive spoken with 8 associates from Wells Fargo. I dont have their names. Two of them I could barely understand. VERY poor English. That disturbed me as well. Ive called the toll free number for Wells Fargo, Ive called the fraud department directly and called the branch I opened my accounts at in XXXX, Ga.

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 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: LA

Complaint narrative:
There is a law suit against Cash App for not having a human to contact for all troubles

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One, always committing fraudulent charges, having a checking acct XXXX, this is how the falsely advertise online * Capital One advertises : Capital One does not charge foreign transaction fees on its XXXX credit and debit cards. This includes purchases made in foreign currencies or cross-border transactions. Capital One also does not charge currency conversion fees on these cards. If so, how the bank explain that while other banks offering better services, Capital One, " pretends '' offering better services, but is just a scam. I have been dealing with that bank since XX/XX/year>, to present. I am going to give a recent information, if using abroad my debit card, my income from retirement is practically nothing, so a direct deposit of {$120.00}, I spent approximately XXXX or less, to celebrate XXXX XXXX, I tried to pay food we ordered, XXXX, my card declined so I was forced to borrow money from someone to pay our order, when I called Capital One, I found out I have a balance only {$73.00}, a and few cents, Capital One declined even having enough funds to pay, it seems that Capital One continuing applying all kind of charges for an acct XXXX. My question is that why Capital One continues committing fraudulent charges even that already is facing legal investigation? Capital One owes me money for all its continuous fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Net Pay Advance, Inc.
State: MO

Complaint narrative:
Referring back to complaint XXXX that is now closed. NetPay Advance has withdrawn money from our account after we had told them we couldn't afford the payments and asked them to work on a payment plan with us so that we could actually afford our payment. We did not have these amounts ( {$180.00} and {$440.00} ) available for spending. We are working with our bank to reverse the transaction ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I initiated the request to transfer funds from my XXXX account to an external IRA. The purpose of the transfer is to buy a property for investment/business. The process started on XXXX. At this point I havent received the transfer into the external IRA and this has caused financial distress as we are about to lose the investment. We had to move our closing date 3 times because of this and still we dont have the funds transferred. XXXX had confirmed the funds were approved to be transferred. Internally, they decided to reject the transfer. Throughout this process XXXX and its service agents have provided wrong information constantly, adding additional and unnecessary steps at my end to get the situation fixed without success.

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