vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, on XX/XX/XXXX of this year, I contacted someone to buy a car for {$2400.00}. I didn't have cash on me at the time, so I said I would transfer the money to the seller via XXXX. The seller said they only accepted cash, so I went to a Bank of America and withdrew {$1000.00} in cash. Then, when I tried to withdraw more cash, I found out about the bank 's limit, so I told the seller the remaining amount could only be transferred via XXXX. After I completed the transfer, the seller suddenly said they still only accepted cash and asked me to cancel the XXXX transfer. I told them I didn't know how to cancel a XXXX transfer, and the seller said I could cancel it by calling the bank. So, I had no choice but to withdraw {$1400.00} in cash from my XXXX XXXX card and give it to the seller. Later, I called the bank, but because it was Saturday, I did not get through to the customer service until the evening, They told me that XXXX XXXX customer service didn't start working until Monday. So, on Monday morning, I called XXXX. XXXX staff recorded my request to cancel the transfer and told me to wait for their investigation. I said the transfer was still pending and you could still cancel it, but they insisted on waiting for the investigation. I asked if I needed to provide evidence, and they said not for now unless the investigators contacted me. However, the investigators never contacted me. On Tuesday, I discovered that the XXXX transfer had been completed on Monday, so I contacted XXXX again. XXXX said the dispute was still under investigation. Then, on XX/XX/XXXX, they sent me an email saying my dispute had not been approved and that the bank bears a large deal of responsibility for this I was transferring a new XXXX number at the time, and transfers usually take at least a business day to complete. I reported it quickly, and the bank had ample time to intercept the transfer, but they didn't. Moreover, the bank staff never asked me for any details or evidence, so they didn't conduct a proper investigation.and simply sent me an email refusing to pay compensation.

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 2026-05-19 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: OneMain Finance Corporation
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the ongoing restriction placed on my XXXX credit card account. Since opening this account, I have repeatedly complied with every request made by your company to verify my identity and residential address. To date, I have verified my address more than four times and have submitted all requested supporting documentation on multiple occasions, including additional documents nearly two weeks ago. Despite my full cooperation and repeated efforts, the restriction on my account still has not been removed, and I have not received any meaningful resolution or explanation regarding the delay. What makes this situation especially concerning is that although my account remains blocked and inaccessible due to a fraud/security hold, I am still expected to make payments on time and maintain the account in good standing while being denied normal access and usage privileges. I believe this reflects unfair treatment, poor account servicing, and a failure to resolve a matter that has already been excessively delayed. I respectfully request the following : 1. An immediate review of my account and all verification documents previously submitted. 2. Prompt removal of the restriction or fraud block placed on my account. 3. Written confirmation regarding the current status of my account and the reason for the continued delay. 4. Assurance that this unresolved issue will not negatively impact my credit reporting or account standing. I have acted in good faith throughout this entire process and have fully complied with every request made by your company. However, after repeated submissions and weeks without resolution, I now feel compelled to escalate this matter formally. I appreciate your immediate attention to this issue and expect a prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: Block, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding Cash Apps handling of multiple unauthorized transactions and disputes on my account totaling approximately $ XXXX {$2000.00}. Beginning in XXXX XXXX my account experienced a pattern of suspicious and unauthorized activity involving multiple merchants, including XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX transactions. The disputed charges included XXXX purchases for {$860.00}, {$240.00}, and {$210.00}, XXXX XXXX for {$17.00}, and XXXX charges exceeding {$400.00} combined. I did not authorize these transactions, did not benefit from them, and did not provide permission for any person to use my account, card, or credentials. At the time several of the in-person transactions occurred, the physical Cash App card was no longer in my possession. Historically, I primarily used the account for online purchases, and in-person use of the physical card was uncommon. The disputed transactions represented activity inconsistent with my normal account behavior and spending patterns. Prior to the fraudulent activity, I also observed suspicious account-related activity, including a new device login verification alert that I did not recognize, which increased my concern that my account and/or card information had been compromised. After discovering the unauthorized activity, I promptly reported the transactions to Cash App, disputed the charges, secured my account, replaced the compromised card, submitted appeals, and later submitted a police report. Cash App denied the disputes and denied my appeals. I requested copies of the documentation and investigative materials relied upon in making these determinations. In response, the materials provided appeared to consist primarily of transaction history information already visible within my account rather than substantive investigative evidence demonstrating that I authorized the disputed transactions. One disputed XXXX transaction during the same timeframe was approved in my favor, further supporting that unauthorized activity had occurred on the account. I am concerned that Cash App failed to conduct a reasonable investigation into these unauthorized electronic fund transfers as required under the Electronic Fund Transfer Act ( Regulation E ). Despite multiple opportunities to properly address this matter, Cash App has continued denying reimbursement for transactions I did not authorize. I am requesting reimbursement for the unauthorized transactions and appropriate review of Cash Apps dispute handling practices related to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: Chime Financial Inc
State: CA

Complaint narrative:
On XXXX XXXX XXXX, at approximately XXXX XXXX., two unauthorized transactions were debited from my Chime account under the merchant name XXXX XXXX for the amounts of {$70.00} and {$100.00}. I have maintained physical possession of my debit card ( ending in XXXX ) at all times, and I did not authorize or participate in these purchases. I believe my card information was stolen online. I have attempted to contact the company, but there is no phone number availableonly an email address which has not provided a response. I have reported these charges as fraudulent to Chime, closed the compromised card, and requested a new one. This report is being filed as part of the formal dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have reached out to XXXX XXXX XXXX to find the facts about Resuragent or LVNV Funding. They have placed negative remarks on my credit. I have requested to find out who they are and any and all original documentation, with negative resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They constantly call when I'm at work and I work at a hospital. I can not keep answering these calls and they do not understand they're calling the wrong person. They call at least 4 times a day throughout the whole day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
I made a deposit of XXXX $ cash in XXXX with my CHIME debit card but CHIME only deposited XXXX $ they told me it could take 45 business day to post it to my account i cant wait so please help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing this complaint against Comenity Capital Bank ( issuer of the XXXX XXXX Credit Card ) for failing to properly investigate and resolve a clear billing error, in violation of the Fair Credit Billing Act ( FCBA ). I placed an online order ( Order # XXXX ) on XXXX XXXX XXXX, for " XXXX XXXX XXXX XXXX XXXX' for in-store pickup. When I went to the designated XXXX store to pick it up, the store employee informed me that due to strict corporate purchase limits, they could not fulfill this specific order. The employee refused to hand over the merchandise, kept the items, and assured me they would immediately initiate a full refund. No refund ever appeared on my credit card statements. Due to the lack of response, I escalated this to a XXXX XXXX XXXX XXXX XXXX XXXX complaint against XXXX ( Complaint # XXXX ). Crucially, XXXX official XXXX XXXX, XXXX XXXX, officially responded and apologized, explicitly admitting that " there were issues when we migrated all of orders to a new system last month and your order was not properly refunded. '' XXXX claimed they attempted to push the refund through their backend team on XXXX XXXX XXXX, yet Comenity Bank completely denies receiving any credit or pending refund, stubbornly closing my billing dispute in the merchant 's favor. My online portal has now updated, providing undeniable proof of this errored transaction. Order # XXXX is permanently marked as " Returned '' with an adjusted total of " {$0.00} '' and details " Subtotal ( 0 Items ) '', proving no physical merchandise was ever delivered. This billing error has remained unresolved since XXXX XXXX forcing me to bear the financial burden for over two months. Comenity Bank completely failed its regulatory duty under the FCBA to conduct a reasonable, comprehensive investigation. They forced me to pay {$120.00} for an item the merchant officially admits was never given to me and was broken in their system migration. I demand Comenity Bank manually coordinate with XXXX 's corporate financial back-end to locate this stuck credit and instantly reverse this unauthorized charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
This account became delinquent during a period of significant medical and financial hardship related to a XXXX XXXX XXXX XXXX XXXX XXXX that temporarily prevented me from working. Once I was financially stable again, I resolved the account and paid the agreed settlement amount in full approximately one year later. The account has now been settled for over a year. I understand the delinquency was accurately reported at the time. However, I am requesting that Capital One review the continued reporting of the charge-off notation and consider a goodwill adjustment given that the account has been resolved and satisfied. The continued derogatory reporting is creating ongoing financial barriers despite my efforts to responsibly resolve the debt and rebuild my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a formal complaint against Capital One for deceptive consumer guidance and a refusal to honor explicit financial instructions provided by their own staff, resulting in an invalid {$130.00} interest charge. I initially contacted Capital One by phone to verify how to handle my balance to ensure no interest would accrue. The phone representative explicitly told me that paying before the due date would avoid a late fee and interest charge. To verify this information, I also visited a physical Capital One branch location XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX to make a withdrawal and paid my card in full. The teller at that branch confirmed the exact same information : that paying in full before the interest charge would prevent interest + showed me the screen to confirm and ease any worry i had about it. I have also received an email as well as push notification from capital one informing me that my balance on my account has reached {$0.00}. I acted entirely in good faith based on the consistent, explicit instructions given to me by both phone and branch staff. Capital One has recorded phone logs of these interactions. Despite following their exact directives, I was penalized with a {$130.00} interest charge. When I called to resolve this, customer service representative was rude, condescending, unhelpful, and refused to honor the promises made by their own employees. I specifically asked them to make a case and escalate, which the first representative refused. The second one said I needed to call back. I am requesting that Capital One review their phone audio logs for quality assurance and get in touch with the branch to acknowledge the consistent misinformation provided by their branch and phone staff, and immediately credit the {$130.00} back to my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chases response to COMPLAINT ID XXXX does not resolve the core issue and appears to redefine what constitutes payoff after the fact. Chase states that the only way to close the Pay Over Time plans was to pay the full card balance. However, I did pay the full statement balance immediately after the balance transfer posted, specifically to satisfy my existing obligations and close the Pay Over Time plans. The issue is that Chase is effectively treating a newly posted promotional balance transfer as intercepting and altering the payoff structure in real time, without any clear disclosure or warning to the consumer. At no point was I informed that : * paying the full statement balance would no longer close the Pay Over Time plans, * a newly posted balance transfer would immediately become part of the required payoff amount, or * the payment would instead be directed toward the promotional balance transfer while leaving the installment plans active. This creates a situation where a consumer can pay the statement balance in full and still remain enrolled in Pay Over Time plans due solely to transaction timing and internal allocation mechanics that are not transparent or reasonably understandable. Additionally, Chase still has not answered several questions raised in my complaint, including : * the exact payment allocation hierarchy applied in my case, * the inconsistent explanations provided by representatives regarding highest versus lowest APR allocation, * and whether future Interest Saving Balance payments would again be redirected toward promotional balances instead of closing Pay Over Time plans. The response provided does not meaningfully explain how a consumer is expected to predict or avoid this outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I disputed inaccurate reporting regarding a Resurgent/LVNV Funding collection account connected to an XXXX XXXX account. Documentation from XXXX XXXX confirms a payment of {$7100.00} was received on XX/XX/year>, and the account later reflected a {$0.00} balance. Despite this, Resurgent/LVNV Funding continues reporting an active collection account with a balance owed and inaccurate account information. I believe this reporting is inaccurate and misleading. I am requesting deletion of this account from my credit report due to inaccurate reporting and failure to properly investigate the dispute and supporting documentation I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: OR

Complaint narrative:
My complaint is regarding a letter dated XX/XX/year> received from US Bank Cardmember Service indicating denial of a {$750.00} enrollment bonus because only Authorized Officers accounts spending qualifies. The original promotion I received for the card indicated Just spend {$6000.00} on the Account Owners card in the first 180 days. The account owner was a small closely-held corporation and the corporation met the {$6000.00} criteria. Also, there was never any indication that only one corporation officer was authorized. Two corporation officers each held a card and only the charges of one of the officers was counted toward the {$6000.00}. The total charges on both cards exceeded {$6000.00} within the specified time period. At the time of the credit card application, the bank branch manager applied for two cards ( one for each officer ) and there was no explanation that only one of the credit cards charges would count toward the {$6000.00}. Both corporation officers are also owners of corporation stock. All charges of the corporation ( the owner ) should be counted and not one officer/shareholder over the other. My first letter regarding this matter was dated XX/XX/year> and after the response to that letter I followed up with a 2nd letter dated XX/XX/year>. It has been 7 months since I last wrote a letter to US Cardmember Service with some questions and I have not received a response. Both of these letters requested that the bonus be awarded.

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 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Mechoopda Indian Tribe of Chico Rancheria
State: LA

Complaint narrative:
The settlement amount was too high. I borrowed {$2500.00} and the settlement amount was {$4700.00} after two months.

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 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I am submitting this complaint regarding the reporting and handling of my auto loan connected to my XXXX XXXX XXXX. In XXXX, my vehicle was broken into during the widespread XXXX XXXX theft incidents affecting XXXX and XXXX vehicles nationwide. The damage made my vehicle inoperable and unsafe to drive. At the time, XXXX dealerships were publicly addressing these theft-related issues and offering repairs and anti-theft updates for affected vehicles. I brought my vehicle to the XXXX dealership for repair. However, due to the overwhelming number of similarly damaged vehicles and parts being placed on national backorder, my car remained at the dealership for over a year. During this time, I was informed that the required parts were unavailable and there was little that could be done because so many vehicles were waiting for repairs. Eventually, the dealership contacted me and informed me that the vehicle would be salvaged and used for parts because it had remained there so long and was no longer considered viable. I was also sent written documentation from the dealership confirming that the vehicle had been sitting there since XX/XX/XXXX and would be salvaged if not removed. I have attached supporting documentation, including : * Photos showing the theft-related damage to the vehicle * Dealership documentation regarding the vehicle being held and later salvaged * Evidence supporting the timeline of events Although I experienced financial hardship during this period, the circumstances surrounding this account were directly connected to the widespread XXXX theft crisis and the inability to repair or recover the vehicle in a timely manner. I am requesting a full reinvestigation of this account and the reporting associated with it. I believe the reporting does not fully reflect the extraordinary circumstances surrounding the theft, damage, prolonged dealership hold, and eventual salvage of the vehicle. Thank you for your time and review.

Company response to consumer: Closed with explanation