vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Issue : Unauthorized or unexplained Multi-Factor Authentication ( XXXX ) contact information on account ; potential account security failure Summary : I am reporting a serious account security concern involving my XXXX Savings account. While reviewing my account security settings, I identified a phone number listed within my multi-factor authentication ( XXXX ) setup that I did not add and do not recognize. This raises concerns about unauthorized access or attempted access to my account. Details of the issue : An unfamiliar phone number appears in my XXXX settings I did not add, authorize, or recognize this number This indicates a potential compromise or vulnerability in Discovers authentication controls I contacted XXXX customer service and fraud support, but they stated they could not locate or verify the number I am seeing This discrepancy between what is visible to me and what XXXX can access is highly concerning and suggests a possible system, security, or account integrity issue Impact and risk : The presence of an unknown XXXX contact method creates a significant security risk. XXXX is intended to protect accounts from unauthorized access. If an unknown number is associated with my account and can not be identified or removed by XXXX, it undermines the reliability of their security controls and puts my financial information at risk. Actions I have taken : Contacted XXXX customer service and fraud department and was transferred XXXX times without a resolution Requested verification and removal of any unauthorized contact information Secured my account by freezing the funds in my account. Additional concern : If XXXX is unable to see or manage XXXX contact data that is visible to the customer, this represents a broader security and compliance concern that XXXX impact other customers. Preferred resolution : Written confirmation of investigation findings, account security status, and corrective actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was contacted by an individual via XXXX XXXX in regards to giving me access to in game currency. After they contacted my phone number via XXXX. I was instructed to place {$600.00} from my debit account into a XXXX account and send a bank this money for " software '' approval. I believed and was told this money would go back to my debit account or get canceled as a form of verification but instead the money was removed and the scammer left. This was a scam involving misrepresentation and false promises. External Information I have on the scammer/case I collected via XXXX and a external XXXX Request : -Name/Alias : XXXX XXXX OR XXXX XXXX -Phone XXXXumber associated with scammer : XXXX and XXXX XXXX -Last 4 digits of debit account XXXX XXXX XXXX ID : XXXX

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 2026-04-30 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: GA

Complaint narrative:
On XX/XX/year> I contacted WISELY ADP on my behalf of my phone being stolen at work which led to several unauthorized transactions being made and on XX/XX/year> my dispute claims were denied without any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am disputing an alleged debt being reported and collected by National Credit Systems , Inc . I first submitted a written dispute in XX/XX/year> requesting validation of the alleged debt. I did not receive proper documentation in response. I submitted a second written dispute in XX/XX/year> again requesting full validation, including a signed agreement, itemized statement of charges, and proof of my legal obligation. The company responded but did not provide sufficient documentation. Their response only stated that the original creditor had " previously validated '' the debt. I submitted a third written dispute on XX/XX/year>, due to their continued failure to provide proper validation. To date, the company has not provided adequate documentation to support the validity of the alleged debt, yet continues collection efforts and reporting. I am requesting that the company either provide full and proper validation of this alleged debt or cease collection efforts and remove this account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
In XXXX of XXXX I received a statement of account spanning the time period from XXXX XXXX. In that time period it showed I had paid XXXX, and the trustee had paid XXXX. I noticed a column labeled as unapplied balance that started with XXXX, and had an ending balance XXXX. I demanded on the call that that unapplied balance be immediately applied to PRINCIPAL ONLY. Further I requested that a statement be sent to me when that was done within the next two weeks. Select Portfolio Servicing Inc refused. I received the next statement on Monday XXXX XXXX. On this statement it shows two payments each dated XX/XX/XXXX as regular mortgage payments with interest, taxes and insurance dedeucted. Further leaving XXXX as an UNAPPLIED balance. There are multiple isuues. ! ) first mortgage payment for XXXX was paid XX/XX/XXXX where the payment was divided up into principle, interest, taxes and insurance was withdrawn from that payment, which is normal. 2 ) Extra payment made on XX/XX/XXXX line item should have paid the entire amount to principle only. The fact that I was again charged interest, and taxes and insurance nrepresents a fraudulent accounting entry on their part. 3 ) Second Statement which covers XXXX XXXX shows two additional payments in the same month of XXXX on line item ) XX/XX/XXXX and a second line item dated the same titled payment with with principle, interest, taxes, and insurance. This also represents fraud and abuse since all other three extra payments in the same month are NOT subject to interest, taxes, and insurance. Further there remain XXXX dollars in unapplied balance which again should have all been applied to principle only. Furthermore the amount they deducted from the principle on the second state ment has not been deducted from total on far right hand column. This company is actively participating in fraud and abuse and they need an audit done of there accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
This was a XXXX XXXX XXXX XXXX card issued by XXXX XXXX. The card sent me stopped working at merchants. I called the company multiple times. at leat 1 hour hold+. On XX/XX/XXXX, finally reached this company via phone. They informed me that there was an issue with the card and would sent the balance via check to my address of record to close the card. As of XX/XX/XXXX i still do not have the check. Called today, after another approx hour on hold, rep picked up the phone, went through multiple ID verification questions. After all that, she stated i should go online and try to get my money. When i8 advised that online does not work - she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: Block, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX XXXX Filed dispute with Cashapp for a purchase concerning XXXX XXXX for {$2900.00}. Cashapp said they would contact the company seeing as I was unable to reach them. I then contacted Cashapp each week for an update but they said to wait 45 Days maximum. Well the 45 Days was over 2 weeks ago and every single time I contact cashapp they do not provide a provisional credit nor an explanation in any way. This has been very frustrating and they are not willing to give me my money back or even give me an explanation and wont give me a timeline or any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Over the past year, Citibank has reduced my credit limit on three separate occasions : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. Each reduction occurred immediately after I made a substantial payment toward my balance. Most recently, on XX/XX/XXXX, I made a {$2000.00} payment on a {$4900.00} balance with a {$5000.00} credit limit. Immediately following this payment, Citibank reduced my credit limit to {$4000.00}. This pattern of behavior artificially increases my credit utilization ratio despite my efforts to pay down my balance, which has significantly harmed my credit score, dropping it from good XXXX to poor XXXX. These repeated, unexplained credit limit reductions appear to penalize responsible payment behavior and may constitute an unfair practice.

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 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NC

Complaint narrative:
Re : Dispute of Inaccurate Reporting ( FCRA ) To Whom It May Concern, I am disputing inaccurate reporting on my credit file regarding an account with Klarna that has been reported as delinquent and placed into collections. From XXXX through XX/XX/XXXX, I was unable to make payments due to ongoing technical failures in Klarnas payment system. XXXX payment says its still processing, but its XXXX. This is when the technical issues started. I called multiple times during this time. Klarna has my calls and emails documented. The website and phone channels repeatedly failed to process payments despite my attempts. I was prepared and able to pay the balance in full before the account was sent to collections, but I was prevented from doing so because no functioning payment method was available. I dispute this reporting as inaccurate and misleading. Under the Fair Credit Reporting Act, I request immediate investigation and deletion of all late payment, delinquency, and collection reporting associated with this account. If it can not be fully verified as accurate, it must be removed. Thank you for your assistance and further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
AAFES/MILITARY STAR illegally seized my XXXX federal tax refund through the Treasury Offset Program without providing the legally required pre-offset notice under 31 U.S.C. 3716 and 31 C.F.R. 285.7. AAFES claims they sent statements to my old address and that mail was " returned. '' However, I moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX in XXXX. This is confirmed by a XXXX XXXX XXXX statement dated XX/XX/XXXX, billing me at XXXX XXXX XXXX for services rendered XX/XX/XXXX and XX/XX/XXXX. Despite knowing or having reason to know my address changed, AAFES : Continued mailing statements to the old address in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Never updated my address in their system Never sent the legally required pre-offset notice to my correct address or IRS filing address Successfully executed a Treasury Offset on XX/XX/XXXX for {$2100.00} using my correct SSN/IRS information , proving they had accurate data but chose not to use it for required notice The XX/XX/XXXX collections statement shows the offset occurred on XX/XX/XXXX ( Fms Pymt - {$2100.00} ). No prior notice of this offset appears in any statement. This is a clear due process violation. AAFES 's " returned mail '' excuse is a pretext for their own negligence. They can not claim returned mail prevented notice while simultaneously proving they never attempted to update my address for over three years, and while successfully offsetting my refund using current IRS data. I am a 100 % XXXX veteran relying on my tax refund for essential expenses. AAFES 's failure to provide legally required pre-offset notice deprived me of statutory rights and caused immediate financial harm.

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 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am struggling to open up credit card after being wrongfully accused by bank of writing bad check, identity theft in the banks, and debt that is wrongfully under my name its causing financial hardships.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I reviewed my ChexSystems consumer report and discovered multiple accounts reported under my name that I do not recognize and did not authorize. These include accounts reported by XXXXXXXX XXXX XXXX XXXX XXXX and BMO Bank N.A . These accounts are listed with negative balances and statuses such as overdrafts and account abuse. I did not open these accounts, did not authorize their use, and have no knowledge of the transactions associated with them. I believe my personal information was used without my consent to open or operate these accounts. I have disputed these items with XXXX and am in the process of filing an identity theft report with the Federal Trade Commission. I am requesting that these companies investigate this matter and provide documentation proving that I authorized these accounts. If they can not provide such documentation, these accounts should be removed as fraudulent.

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 2026-04-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/year>, I was notified by Citibank that my account would be closed, with a scheduled closure date of XX/XX/year>. On XX/XX/year>, I visited a branch and requested to close the account earlier. During this process, the teller assisted me with the closure. However, I was not clearly informed that closing the account before the scheduled date would result in an early withdrawal penalty. At no point did the teller explain that a penalty would be charged, nor was I asked to acknowledge or consent to such a fee. Based on this lack of disclosure, I proceeded with the account closure. After the account was closed, I was charged an early withdrawal penalty. The amount of the penalty is approximately {$360.00} If I had been clearly informed that closing the account earlier would trigger a penalty, I would have waited until XX/XX/year>, as originally scheduled by the bank. I believe the penalty is unfair because I was not provided with sufficient information to make an informed decision at the time of closure.

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 2026-04-30 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: TX

Complaint narrative:
I disputed a charge on my card from XX/XX/year>, with XXXX Capital One XXXX, and they stated this charge was not fraudulent ( {$170.00} ). This charge took place on XX/XX/year> ; however, I do not have a receipt for the charge. On XX/XX/year>, XXXX. XXXX was able to charge {$85.00} on the new card with the old card number. The company told me they have to do an investigation and that some companies have a contract with XXXX that even if my card number changes, the card will automatically update, and that's how XXXX is and was able to continue charging my card. I replied that it was new to me, and I had never heard of that before, and no one asked me when applying for the card if I wanted my card included in a program like that. I did not fight the first charge for a service I had purchased, actually on XX/XX/year>, for {$250.00}. That was never charged to the card. However, when I spoke and sent the items to XXXX customer service, and they could not see where I had made any purchases on XX/XX/year>, I was refunded. Now, they say I owe for a service that I did not receive. The only information I ever receive is that it is done on XXXX, and I have the app with all my receipt and neither for those XXXX dates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/2026 I made a purchase on a XXXX site I saw from a facebook advertisement. I realized the pricing seemed a little too good to be true after purchasing. I called my credit card to say it was a scam and unauthorized, but I realize I should have used the terminology " fraud '' rather than unauthorized charge. My credit card ( Barclays JetBlue ) proceeded to deny my request as it was indeed authorized. It has been 90 days since purchase and they say they can not submit this as " failure to deliver goods '' since I put in my initial dispute incorrectly. I did contact them to change to this while the dispute was in appeals, but they said they legally don't have to help me. The transaction amount was {$500.00}. XXXX will not help, the website " XXXX '' will not reply, and Barclays JetBlue has told me it is not their problem.

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 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I am filing a complaint against NewRez LLC regarding improper loan servicing, including payment misapplication, escrow mismanagement, and wrongful default classification. NewRez issued a default notice stating that my XXXX and XX/XX/year> mortgage payments were not made, totaling {$9100.00} due. This is incorrect. I made the following payments : - XX/XX/year> : {$4500.00} - XX/XX/year> : {$4500.00} Both payments cleared my bank account. Additionally, NewRezs own system reflects receipt of a payment in XX/XX/year>. My loan experienced a significant escrow increase due to hazard insurance premiums ( ~ {$17000.00} annually ), causing over half of each payment to be allocated to escrow. Following a XX/XX/year> payment reversal and reposting event, NewRez appears to have misapplied payments and incorrectly determined that my loan is delinquent. This is a servicing error. I am requesting : 1. Immediate correction of payment application 2. Removal of default status 3. Confirmation that my loan is current 4. Confirmation that no negative credit reporting has occurred 5. Full payment allocation audit This situation presents a risk of wrongful foreclosure despite payments being made. Supporting documentation includes bank statements, escrow analysis, and servicing transaction records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am filing this complaint against Capital One regarding an unresolved account restriction on my Capital One business basic checking account ending in XXXX. On XX/XX/year>, I received an email from Capital One ( XXXX ) requesting that I contact them to confirm account details for XXXX compliance purposes. I called the number provided ( XXXX ) and spoke with a representative who confirmed my identity and stated that my information was in order. Despite completing this verification, my account remains restricted. I have since been transferred multiple times between customer service representatives, none of whom have been able to resolve the issue or provide any explanation beyond stating that the account is " restricted '' and that someone will reach out for further verification. No one has reached out. I have received no clear timeline, no escalation path, and no resolution. Capital One initiated this compliance review. I complied promptly and in good faith. The continued restriction of my account with no resolution, no clear communication, and no escalation to the appropriate compliance team is causing ongoing harm to my ability to conduct business. Case reference number provided by Capital One : XXXX.

Company response to consumer: Closed with explanation