vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
In XXXX, I received my monthly bill from Citi XXXX XXXX XXXX showing my new balance of {$6300.00} due on XX/XX/year>. On XX/XX/year>, I paid the new balance of {$6300.00}. This payoff was made 13 days before the due date. I recently received my XXXX statement from Citi XXXX XXXX XXXX showing the Previous Balance of {$6300.00} and Payments of {$6300.00}. It then shows Credits- {$0.00}, Purchases + {$0.00}, +Cash advances + {$0.00}, Fees + {$0.00}. and Interest + {$51.00}, showing a New Balance of {$51.00}. On XX/XX/year>, I contacted Citi Bank XXXX XXXX XXXX at XXXX and disputed this new charge of {$51.00}. I advised that my previous balance was paid in full 13 days prior to the due date and that, based on Citis own showing on my XXXX Statement, I had paid the full amount due and therefore there should be no additional interest charged on this account. Citi refused to recognize that the account was paid in full and that there should be no further interest on it. Apparently, Citi XXXX XXXX XXXX is attempting to steal another {$51.00} from me on this account. I am attaching a copy of my XXXX Statement, which shows the account was paid in full, along with notes from my conversation with Citi XXXX XXXX XXXX. Any assistance you can provide in correcting this injustice would be appreciated.

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 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
On XXXX XXXX I disputes a claim for two different charges and about 2 weeks later I had tried to transfer 3 payments to my external account but realized it would take five days so I canceled them immediately and than I was told since I did it immediately that I shouldn't have to wait for it to be sent back and the external bank said they sent it back and I had to still wait so I did and supposedly my account was suddenly closed for no reason so they told me that they had to send it in three separate checks so I waited ten business days and still no check so they canceled it and sent another one and still didn't get it so called again and now they are saying they need my dispute from something totally different before they can release my current XXXX even tho they are already sending three separate checks. But that's the dispute I've been waiting on for nearly two months and they want a paper that I have no clue what it is cause I've never received it and they refuse to send it even after telling them I need it and ive tried to speak to a manager four times and they tell me I will get a call back in a day or Two and I'm never called back. They third person promised me over and over that she guarantees a call back with one hour and she lied as well. They refuse to settle any of these problems and continue to give me the run around than I just got an email saying that I can open my account back up and get the funds put in there but I tried that and they refuse to open one for me even tho they sent an email telling me to open one. It's ridiculous ive had over 30 calls with them they can verify that as well. At some point they have to be liable for treating people this way I'm a single father of XXXX and every dollar counts especially gas at XXXX dollars a gallon. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
This is a loan and equity line from XXXX it closed innXXXX. I had to pay {$200000.00} to them when I sold my house due to my x-husbands wife calling to order my checks. -acted like me with my credentials ( ss # ) then ordered checks then fraudulently wrote them till the account was drained. XXXX closed at that time and I e never been able to collect or prosecute. I am wondering if this is who can help me? The local police said not enough evidence? Her brother is one of the main cops here. Thats why. Its u fair but how it goes here. Is there any way to get my money back? Through XXXX PERHAPS??

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 2026-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing a complaint regarding a Best Buy credit card issued by Citi. I enrolled in a deferred interest promotional financing offer for a purchase. I made consistent payments toward the balance and reduced it significantly during the promotional period. At the time the promotional period ended in XXXX, I only had approximately {$400.00} remaining on the promotional balance. However, I was later charged approximately {$2000.00} in deferred interest. I contacted the company to request a goodwill adjustment or partial reversal of the interest charge, explaining that I had nearly paid off the balance and believed I was close to satisfying the promotional terms. My request was denied, and I was told the charges would not be removed. I understand that deferred interest promotions require the balance to be paid in full by the promotional deadline. However, I believe the resulting interest charge is disproportionate to the remaining balance at the time of expiration and does not reflect my consistent payment history during the promotional period. I understand that because I was in the hospital and was under the influence of narcotics I was not in my right mind to think about my bills. I did offer to pay the {$400.00} in full.

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 2026-05-08 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: NV

Complaint narrative:
On XX/XX/year>, I arrived at XXXX XXXX XXXX at approximately XXXX hours, ahead of my scheduled XXXX checkin time. When I attempted to check in, the front desk clerk verbally told me that my reservation had been canceled and that I would be refunded. Based on this statement, I left the property. I was never checked in, never provided a room, and no lodging services were delivered. Later that day, the hotel sent a contradictory message stating request declined, which conflicts with what I was told in person. I filed a dispute with Cash App for the {$140.00} charge. Cash App denied the dispute and stated that I would be able to review the merchants evidence. However, I never received any documents or evidence from Cash App not in my email, spam folder, or Cash App inbox. Because I was never provided the evidence used to deny the dispute, I was unable to submit a proper rebuttal. I reopened the dispute, but Cash App treated the missing documents as a separate complaint, closed the chat, and still did not provide the required documentation. Cash App has failed to : - Provide the merchants evidence used in the first dispute - Provide the denial documentation - Allow me to review the evidence as promised - Properly handle my second dispute - Correct the merchants false claim that services were delivered - Follow required dispute procedures I am requesting that the CFPB require Cash App to : XXXX. Provide all merchant evidence and documentation used in the first dispute XXXX. Reopen or reconsider the dispute due to procedural failure XXXX. Correct the handling of my dispute and ensure my rebuttal evidence is reviewed I was charged for services that were never provided, and Cash App has not followed proper dispute procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Received a text from XXXXwith a code ( XXXX ) that I did not request and directing me to sign in. After typing STOP I was told I had successfully unsubscribed. However, I never subscribed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Ordered a Suitcase I needed before XX/XX/XXXX. I got the money for it and ordered it XX/XX/XXXX. Advertised as delivery in XXXX business days. It sat in XXXX NM. I had to move XXXX. Put in for a refund, price XXXX, XXXX is ripping me off by saying XXXX on the XXXX. Never got that suitcase or refund back. Trusting XXXX again, after putting in for refund, I purchased another suitcase at XXXX something, XXXX says XXXX. Again promised XXXX business days. XXXX tracked it in XXXX Massachusetts, XXXX hours away from me. Then for whatever reason it went to California where there was not update. Fighting to find out where my first refund was and where my suitcase was for days. On the XXXX of XXXX it was finally updated to XXXX NY, XXXX hours away after I made a fuss. That same night, without my consent XXXX canceled it. Since the XXXX, I have been sent back and forth by XXXX and Cashapp. Getting nowhere. Lies after lies. Cashapp claimed AFTER I received an email from XXXX once again showing they refunded it to Cashapp. All the sudden Cashapp tells me it was refunded. The money is not in my account and there's no transactions of it being deposited. The only refunds are of a few dollars. Some look like they were taken back. It doesn't compare to what they owe me. Im in recovery. Im XXXX months XXXX XXXX XXXX XXXX. I don't need this in my life. Almost a month of fighting with them. No help. No one has my back. They get to treat me like this for simply being a customer. I have no trust in anything. They are straight up garbage and thieves. Can I please get some information or guidance to take action.? I will not rest until they return my money. I want switch to XXXX. I got very little in my account and I don't trust Cashapp. Please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint regarding a debit card transaction processed through Cash App ( XXXX XXXX issuer ) for goods that were not received and were misrepresented at the time of purchase. On XX/XX/XXXX, I purchased puppy pee pads from a merchant operating as XXXX XXXX/ XXXX XXXX XXXX. The product listing advertised shipping within XXXX days from Wisconsin. Based on this representation, I completed the purchase using my Cash App debit card linked to my XXXX XXXX account. After purchase, no tracking information was provided for several days. When tracking was eventually issued, it showed delayed or inactive movement and did not reflect timely shipment consistent with the advertised delivery timeframe. As of today, the item has still not been received. I contacted the merchant requesting resolution. The merchant did not provide delivery confirmation or a full refund and instead offered only a partial refund of approximately XXXX %, despite the item not being delivered at all. I initially filed a dispute through Cash App, but it was denied. I am now escalating this matter because the transaction involves non-receipt of goods and misrepresentation of shipping terms, which I believe qualifies under Regulation E protections for debit card purchases. I am requesting a full investigation and reversal of the charge due to non-delivery and misleading fulfillment representations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have XXXX FORM PRIVING A SALE XXXX DOLLARS AND CASH IS NIT RECONIZING THIS WHEN IT AKREADY WEBT XXXX IRS THE AMOUNT I HAVE PROFF I XXXX THTRANSCTIIN DATE AND XXXX FIRM

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
XXXX sold one of my accounts to AI Bounce. I negotiated with AI Bounce and ultimately agreed to pay XXXX a month for 48 months. They returned my payment telling me that a check from the bank every month was not an authorized form of payment. But that my debit card, which is linked to my checking account, is. I believe that XXXX XXXX is running a scam against a person older than XXXX XXXX XXXX [ me ].

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have repeatedly asked for a replacement card and they keep replying with the same stock message over and over, with no updates. It has been over a month, with no progress seen. No help from customer service, and just the same excuse every time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
On XXXX XXXX, 2026, I received a collection notice from Caine & Weiner Company , Inc. claiming I owed {$9600.00} to XXXX XXXX XXXX XXXX XXXX, XXXX. This balance was expressly waived in writing on XXXX separate occasions by the original creditor prior to placement with Caine & Weiner. On XXXX XXXX, 2025, XXXX XXXX XXXX, the firm 's managing partner, transmitted a written unconditional waiver of the balance. On XXXX XXXX, 2025, the attorney of record confirmed in writing that the balance would not be pursued. This confirmation was copied to XXXX firm personnel. Despite both written waivers, the account was referred to Caine & Weiner XXXX days after the first waiver, with no correction to the account status and no notation of the waivers. The collection notice reflects a pre-waiver origin date of XXXX XXXX, 2025, the date the underlying bills were generated, predating both written waivers, with no reference to either waiver. On XX/XX/XXXX, prior to my submission of any formal dispute and within the dispute window established by Caine & Weiner 's own XX/XX/XXXX notice, Caine & Weiner transmitted an unsolicited text message to my mobile telephone explicitly directing me to contact them regarding the account. On XXXX XXXX, 2026, I submitted a formal written dispute to Caine & Weiner via their electronic portal, and subsequently submitted the same dispute via certified mail with XXXX supporting exhibits, including both written waivers, the billing communication log, the collection notice, the disengagement and final invoice email, and Caine & Weiner 's correspondence. Collecting a multiply-waived debt violates 15 U.S.C. 1692e, 1692e ( 2 ) ( A ), 1692f, and, if this account has been reported to any consumer reporting agency without notation of the written waivers, 1692e ( 8 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 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: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
Caine & Weiner Company Inc ( account # XXXX, original creditor : XXXX XXXX, {$210.00} ) reported a collection account to Equifax on XX/XX/XXXX, damaging my credit report. I never received written notification from Caine & Weiner before this account was reported, as required by FDCPA Section 809. I submitted a formal Debt Validation Request but have not received documentation verifying the accuracy of the reported balance or delinquency date of XX/XX/XXXX. I filed a dispute with Equifax on XX/XX/XXXX ( Confirmation # XXXX ). The collection account appears only on XXXX and not on XXXX or XXXX, suggesting inaccurate reporting. I request that CFPB require Caine & Weiner to either provide complete debt validation or remove this account from my XXXX credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CADENCE BANK
State: TX

Complaint narrative:
I am filing a complaint against Cadence Bank regarding a denied new business checking account bonus promotion. In XX/XX/year>, I opened a new business checking account at a Cadence Bank branch after specifically asking the banker whether I was eligible for the promotional offer. The banker explicitly confirmed that I qualified for the offer, and I relied on that confirmation when deciding to open the account. The promotion required : Depositing at least {$5000.00} within 30 days Maintaining at least a {$5000.00} average daily collected balance for the first three statement cycles Completing 15 qualifying transactions within the first three statement cycles I fully completed all required conditions within the required timeframe. However, Cadence Bank later refused to pay the promised {$400.00} bonus. I contacted the branch multiple times over the past several months, but they repeatedly refused both to honor the promotion and to explain why I was denied. At this point, more than six months have passed since the issue began. I believe Cadence Bank engaged in misleading and unfair business practices by confirming my eligibility, accepting my deposits and activity, and then refusing to honor the promotion without explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Reference Number : XXXX To Whom It May Concern : I am requesting that this complaint be reopened and further reviewed due to significant new information obtained directly from Capital One during a recent supervisor call. I am the account holder for Capital One account ending in XXXX. My husband and I have spent extensive time attempting to resolve this matter directly with Capital One through phone calls, certified letters, and prior disputes. During a recent supervisor call, Capital One reviewed the internal account notes and confirmed that there was in fact a prior request made to close this account. This confirmation is extremely important because it validates the central issue we have consistently raised throughout this dispute. Capital One is now attempting to claim that the closure request was somehow invalid because my husband, XXXX XXXX, communicated on my behalf during the original call. However, throughout our relationship with Capital One, I repeatedly provided verbal authorization for my husband to speak on my behalf due to language barriers. Capital One representatives repeatedly accepted this authorization and discussed my account with him. Even during the recent supervisor call, Capital One required me to verbally authorize communication before they would continue speaking with my husband. At no point during the original closure request was I informed that my husband lacked authority to communicate or request closure after I had granted permission. We were led to believe the account had been closed. The account then remained at a XXXX balance for several months. The issue later occurred when a Capital One representative mistakenly processed a transaction to the wrong Capital One card account. Instead of charging one of our active accounts, the transaction was applied to the account previously requested closed. The physical card had already been destroyed and was never intentionally used again. I am not disputing the original approximately {$400.00} transaction amount itself. I have repeatedly stated my willingness to resolve the original amount owed. However, I strongly dispute : The penalties and accumulated interest The charge-off reporting The failure to properly close the account after the documented request The failure to provide meaningful notice before delinquency escalated Capital Ones inconsistent position regarding authorization I am requesting : Removal of the charge-off reporting Removal of penalties and interest associated with this issue Written copies or transcripts of all relevant account notes and closure request communications A proper reinvestigation by Capital One that addresses the authorization issue fairly and consistently I have acted in good faith throughout this process and respectfully request further review of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Captial One has purchased the Kohls Credit Card. I in making my monthly payments sent Kohls {$3000.00} in error when it should have been my regular Capital One Account. I have called " XXXX '' times to request a refund- for the past month - I still do not have my check back. I have even spoken to a manager ( XXXX XXXX who thought if he kept repeating himself I would get off the phone. Their recording says you will have this in XXXX days. My first call was on XX/XX/XXXX, they are telling me it was on XX/XX/XXXX - as you can see it is way past XXXX days. In calling again today they said - your check is going out today- I have no recourse in getting my money back - just keep getting excuses. Please know that I do not owe Kohls any money whatsoever, and have a credit balance of {$3000.00} on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My POA XXXX XXXX wired our entire house sale proceeds of XXXX to Capital One Bank XXXX XXXX XXXX, XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX and routing # XXXX. This was reported to FBI in XX/XX/2025, after we were back and realized the scam. Capital One Bank at this point has not tried to pay us towards this. Our attorney XXXX XXXX tried to get us as much as possible back from her insurance, but they are only giving us XXXX. She was able to get a check from the account for around XXXX. We are out over {$860000.00}, due to high attorney costs/mediation costs for the past year, and are out a significant amount in interest. We realize Capital One Bank may not pay us back everything we're out, but we know they did not follow bank protocols and they allowed scammers to steal all of our money. Thank you, XXXX

Company response to consumer: Closed with explanation