vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 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: U.S. BANCORP
State: TN

Complaint narrative:
I received an email this morning ( XX/XX/XXXX ) from U.S. Bank that my new credit card was on its way and I was to destroy my old one. This worried me because I had not requested a new card. I logged into the mobile app. Under the card tracking feature, it said " Your card was compromised, so we're sending you a new one. '' The app had already been updated with the new card information, so I could not check the status of my old one, which no longer appeared anywhere on my account. I called U.S. Bank 's customer service line and asked the representative why I was receiving a new card. She said their system had extended the expiration date and issued the new card. ( My old card was not set to expire until XX/XX/year>. ) It also changed my card number. I specifically asked whether there was any fraudulent activity on my card, and she said no. I asked why I had not been contacted about any of this and she did not have an answer. ( The app stated that the new card was issued on XX/XX/XXXX, but I did not know anything about it until the tracking email on XX/XX/XXXX - no call, no email, no notification. I have also received no notification of my current card being canceled other than the rep telling me it was. ) I told her I had used this card to book international travel, including hotels and rental cars, next month, and they require me to present the same card I used for booking. She seemed to think they could just change it ; I am not so sure that it won't create a major headache on my trip, as international businesses do not always abide by the same rules. I asked to speak to a supervisor and she refused to connect me. In summary : U.S. Bank canceled my card with no warning and apparently no reason, sent me a new one that I don't have yet and thus can't use, gave me a different answer over the phone than in the app, and offered no recourse for the reservations I have which are dependent on my old card.

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 2026-05-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Santander Bank regarding a {$3500.00} penalty I was charged in connection with a Certificate of Deposit ( CD ). This penalty was the direct result of incorrect information provided by their staff and errors within my account records. Key issues are as follows : - A Santander teller informed me that my CD would become liquid if I did not renew it. Based on this representation, I made the decision to withdraw my funds. - I was later charged a {$3500.00} early withdrawal penalty, which contradicts the information I was given at the time. - An executive representative from Santander stated that my request for reimbursement was denied solely because notifications had been mailed to me regarding the CD. - However, I have since confirmed that Santander had an incorrect mailing address on file for my account. As a result, I never received any such notifications. - Additionally, my mothers name was listed on my account without my authorization, which raises serious concerns about the accuracy and integrity of my account records. These issues clearly demonstrate misrepresentation and administrative error on Santanders part. I made a financial decision based on incorrect guidance from your employee, and I was further disadvantaged by your institution maintaining inaccurate account information. As a result, I suffered a financial loss of {$3500.00}. I am formally requesting : - A full reimbursement of the {$3500.00} penalty - A complete review of my account history, including how incorrect information ( mailing address and unauthorized account holder ) was maintained - A review of any recorded conversations or in-branch interactions related to this matter I expect a timely response and resolution. Please provide written confirmation of receipt of this complaint along with a case number. XXXX XXXX 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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX i filed a dispute for transactions on my chime bank account that were some unauthorized and also some that were purchased and never received the merchandise. Now today being XX/XX/XXXX they still have no answer for me and have not given a provisional credit. Its for XXXX XXXX which is not a little amount of money and they dont seem to care at all that im missing this money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
My auto loan with Nissan was fully paid off in XX/XX/year>. After payoff, I canceled warranties/service contracts associated with the vehicle, which generated a refund. On or about XX/XX/year>, a refund check from the warranty company was sent to Nissan. However, Nissan failed to process the check and it was effectively lost for an extended period of time. On XX/XX/year>, after I contacted Nissan, they located the check. Despite having possession of the funds, Nissan did not apply the payment or issue a refund to me. Instead, I was later informed that Nissan determined they were not authorized to process the check and returned it to the warranty company. As a result, the refund process has been significantly delayed, and I have not received my funds. Additionally, I have not been provided with a clear timeline for resolution or confirmation that the refund is being properly reissued to me. This situation has involved mishandling of funds, lack of timely processing, and inadequate communication. The loan has been paid off since XX/XX/year>, and the funds associated with the canceled warranties should have been promptly returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I was pressured and manipulated by a psychic to withdraw my disputes due to fraud cause she didnt want to be caught red handed and deal with the consequences. She was harassing me sending me screenshots and calling me constantly three months ago. I felt she was scamming me and pressuring me to pay for spiritual or cleansing services to remove blockages and bad spirits. So I filed disputes and two weeks after I filed them she was blowing up my phone how I was scamming her and Im ruining her bank and business. How come XXXX didnt take them down and they love doing business with her and never had complaints. So I withdrew them cause she manipulated me to do that and Citi card wont let me reopen them cause I withdrew them. She made me feel as if shes legit and doesnt like being called out for scamming or swindling others for cash to pay her so called bills and she deserves to be paid for her goods and services cause shes a so called psychic. My old card had to be cancelled due to fraud from somewhere else so I would like the remaining amount refunded to my new card number.

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 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prime Recovery LLC
State: PA

Complaint narrative:
I received an email on XXXX from Prime Recovery LLC that appears to be threatening, lacks real information about the debt owed and any real proof that services were agreed to and received by me. Concerns with their tactics, beyond lack of proof are the following : Subject was " You need to address your account '' - clearly jumps to conclusion that assumes i own money. States a random creditor, an original creditor of which neither i have heard of. Says i owe a $ amount but offers in bold RED FONT a " SPECIAL SETTLEMENT OFFER '' 25 % off. States my account is for a subscription for XXXX. that i have never heard of and have absolutely never received any services from. Email clearly states that my order was fulfilled under subscription. Final note highlights they may report me to credit bureaus which seems threatening before understanding the reality of the account and if i actually should be responsible for the account. Prevent the account from being reported to the credit bureaus ( if applicable ) I submitted my response on XXXX formally disputing any recollection of this account and clearly stating i have never received any goods or services from this company. They replied on Monday XXXX and did not provide an chain of debt ownership, proof of services delivered. They also stated that my account has now been flagged for review in the event an arrangement to repay this debt on a voluntary basis is not met.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: IN

Complaint narrative:
I am currently being charged {$710.00} monthly on my escrow account, when my taxes and insurance total {$400.00} monthly. As such, I am being charged an additional {$310.00} overage for monthly escrow. Furthermore, this is the email I sent : On XX/XX/year>, I formally sent a message to UWM regarding the misapplication of my escrow funds ( {$4800.00} ). On XX/XX/year>, I received a message from XXXX XXXX ( see attached ) stating that she submitted a request to have the escrow funds applied to my escrow account. As of today, XX/XX/year>, those funds ( {$4800.00} ) still have not been applied and remains in an unapplied and or suspense account status. I am once again writing to formally dispute the misapplication of a {$4800.00} payment made on XX/XX/year>, toward my escrow funds. On XX/XX/year>, I spoke with a representative ( refer to recorded call ) and authorized a one-time payment of {$4800.00} specifically to resolve an escrow shortage. These funds are currently sitting in " Unapplied Funds '' or a suspense account rather than being applied to my escrow balance. Because these funds were not applied correctly and continue to remain unapplied, my XX/XX/year> mortgage statement is inaccurate and reflects an incorrect payment amount. I am once again requesting the following : XXXX. Immediately move the {$4800.00} from " unapplied '' status and or suspense status to my escrow account. XXXX. Recalculate my escrow analysis based on this {$0.00} shortage XXXX. Issue a corrected billing statement for XX/XX/year> reflecting the accurate monthly payment. I still have not received a response and my escrow account is still incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
So on Saturday I went to Bank of America the ones that in XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX and I asked to withdraw {$4000.00} but I didnt have my red card so the lady only asked for my social security number and I wrote it down and then she only threw it in the trash can which isnt right. But I asked her to withdraw {$4000.00} when I got inside the car I repeatedly count the amount and it came out to {$3900.00} I didnt come back instantly because I had to leave and I couldnt come the previous days. I do see in the paper it says {$4000.00} but I and % 100 percent honest of what I am saying and I would like them to check the camaras and everything needed to see that I am not lying I went to talk to the mananger but she said that in the paper it said {$4000.00} and theirs nothing they can do about it. I find it unfair because I worked hard to earn that money. I would like the help to investigate further this case without going to far. Thank you

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Beginning on XX/XX/year> XXXX XXXX XXXX XXXX debits were made from our checking account. The withdrawals were all made to pay a XXXX account in XXXX, XXXX. They were in descending amounts from XXXX XXXX XXXX {$90.00} $ all the way down to XXXX XXXX We reported this as fraudulent activity to Citibank immediately, and a claim was made. Citibank did not cancel both of our cards ( my husband and I are both on the account ) so additional charges were made. Citi issued us provisional credits. The total amount stolen is over XXXX, XXXX XXXX I spent several hours trying to speak to someone to rectify the situation quickly, and even went in person to my local branch twice. Shortly after the provisional credits were issued, we received over 100 individual paper notices in the mailing, letting us know that our claim was denied and the monies would be reversed from our accounts as of XX/XX/year>. Upon getting STACKS of papers, I called several dispute departments again and I was told to fax my appeal. As this was not satisfactory, I notified the executive response unit. I found this information on my own, no one on the phone ever directed me there. I was then told, 15 days later, that a " deeper investigation '' was required, as Citi had previously deemed the XXXX transactions as " typical activity. '' The executive response representative did discourage me from filing this claim. However, I have little confidence that my money will be recovered. I have been shown very little compassion throughout this process. The amount in question is a large sum, especially given we are a family of XXXX. Ultimately, the XXXX charges were NOT made by myself or my husband, and we are entitled to fair treatment.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I want to address my account and the errors on my chase account that was made in the Chase branch. The impact has effected me, my account and mental being. this was a in person teller error. I was instructed by the teller to deposit the check in the Atm. I did that. I withdrew what was available from the same teller. The following day the check bounced. I was not informed Chased " no longer '', accepted 3rd party checks as i just did the same thing a few months ago.so i called. Otherwise i would have never deposited the check. I was told to wait for the physical legal copy of the check in the mail in the next 5 business days. Mind you my account is compromised at this time. when the check arrived I went to the bank with my son with 2 forms of I.D, the legal physical copy of the check hoping it will be fixed, evened out and we signed documents to fix the issue- I was already given a credit from the claims department in which I withdrew the remainder of the check balance amounting to the total of the rest of the check. The check could not be deposited on their end as it showed as paid out in my account. The chase rep then calls the claims department and got nowhere. He himself seemed very confused. I have been back and forth to the bank, on the phone with chase all the to try to resolve this and have come to no solutions other than this effecting me and my account. I have a job, so does my son. We did was asked of us on our end .I then receive a notice today XX/XX/XXXX that my account will be overdrawn on the XXXX of XXXX for the check amount. I should not be penalized for a Error made on the behalf of chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: TX

Complaint narrative:
I have been a verified Cash App user since XXXX with a clean account history, minimal transaction volume, and a linked XXXX XXXX XXXX account. I have never violated Cash App 's Terms of Service. The account closure stems directly from a technical issue caused by Cash App 's own platform design. When my mobile phone broke, I began accessing my account via web browser. Because I regularly clear browser cookies, Cash App 's system flagged each login as a new device. Not understanding the cause at the time, I repeatedly completed the identity verification process each session in good faith. This repeated verification caused entirely by a XXXX limitation of Cash App 's web platform triggered their fraud detection system. I then contacted Cash App support, explained the situation in full, completed location verification, and submitted a new selfie as requested. Despite full cooperation, Cash App permanently closed my account today. I am a legitimate, verified user since XXXX. The flagged behavior was a direct result of Cash App 's failure to handle cookie-cleared browser sessions appropriately. I was penalized for their system 's inability to distinguish normal browser behavior from fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/XXXX I initiated a XXXX from the chime app when I received the XXXX my check hit at XXXX which was about an hour later looking at my account I noticed that there were two advances of XXXX XXXX but I was only authorized to receive XXXX XXXX went XXXX was taken that's the one I did at XXXX it's saying another XXXX was taken even though my limit was XXXX and then at XXXX one was paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX Code XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX Code XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : Trans union : XXXX XXXX XXXX XX/XX/year> {$7200.00} XXXX XXXX XXXX XXXX XXXX {$2800.00} AFFIRM XXXX XXXX XXXX {$910.00}

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 non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX Code XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX Code XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : Trans union : XXXX XXXX XXXX XX/XX/year> {$7200.00} XXXX XXXX XXXX XXXX XXXX {$2800.00} AFFIRM XXXX XXXX XXXX {$910.00}

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 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation