vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing this formal complaint against JPMorgan Chase for gross negligence in account management and breach of promotional terms regarding my XXXX XXXX credit card. 1. Deceptive Marketing & Unhonored {$400.00} Credit : I applied for this card under a targeted promotion promising a {$400.00} statement credit upon booking a XXXX flight. I fulfilled this requirement immediately. However, Chase has failed to issue the credit. Despite multiple phone calls and secure messages, agents have been entirely unhelpful, offering no timeline and " beating around the bush '' to avoid honoring the offer. 2. Internal System Failure ( XXXX XXXX & Replacement Card ) : The root of this issue lies in Chase 's own flawed onboarding process. Upon approval, Chase provided an option to add the card to XXXX XXXX immediately to book my flight, which I did. However, Chase failed to deliver my physical card. When I reported the non-receipt and unrecognized charges, Chase initiated a fraud case and issued a replacement card with a new number. Because of this internal swap, XXXX XXXX now claims they " do not see '' that I paid for my ticket with the card, even though my statement clearly shows the transaction was authorized and paid off. It is Chases responsibility to ensure that promotional eligibility and cardmember benefits migrate correctly when they replace a card due to their own delivery failures. 3. Improper Baggage Charges : On my travel date, I was charged {$150.00} for two checked bags. As a primary cardmember who used the card for the ticket purchase, this fee must be waived under my Cardmember Agreement. XXXX system failed to recognize my status because of the aforementioned account mismanagement by Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Square regarding the sudden closure of my business account and the withholding of my funds. I am the owner of XXXX XXXX XXXX, XXXX, a legitimate consulting and training business that provides government contracting training, coaching, and virtual business support services. My business processes payments for digital services that are fully delivered to clients. Without prior warning or a clear explanation, Square informed me that my account is being closed. At the time of closure, I had an available balance of {$3600.00}, which Square is currently refusing to release. These funds are critical for my business operations, including paying my staff and contractors. All transactions processed through my account are legitimate, tied to delivered services, and supported by invoices, client communications, and fulfillment records. While there was one disputed transaction, the services were fully rendered and documented. This single dispute does not justify withholding my entire balance. I have made multiple attempts to resolve this directly with Square, but I have not received a clear explanation, timeline for release of funds, or meaningful support. This situation is causing significant financial harm to my business and impacting my ability to meet payroll obligations. I am requesting : 1. Immediate release of my full account balance of {$3600.00} 2. A clear written explanation for the account closure 3. Confirmation that my funds will not be further withheld without cause I am willing to provide any documentation needed, including invoices, contracts, and proof of service delivery. I am seeking a fair and timely resolution so I can continue operating my business without further disruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OK

Complaint narrative:
received notification that my loans were over paid on XXXX Contacted them on XXXX and again on XXXX - no response. I need to know when the funds will be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/XXXX, I was targeted by a scammer on a XXXX XXXX XXXX. Initially, I was told to pay a {$60.00} fee, but Chases payment system became extremely unstable. Transactions did not appear in real-time, and several were " reversed '' only to be re-processed months later in XX/XX/XXXX. This systemic confusion, combined with extreme duressincluding threats against my safety and the scammer coercing me for my banking app passwordled to a total loss of {$1200.00}. I immediately reported this to Chase and filed a police report. However, Chase has repeatedly denied my claims for over a year, ignoring the evidence of account takeover and coercion. The bank 's failure to provide a stable transaction environment and its inability to detect clear fraud patterns after I reported the password breach has caused significant financial distress to me as a student.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX., I contacted Navy Federal Credit Union to verify a XXXX transfer sent to my husband. The funds originated from a Texas adoption subsidy, which is a recurring monthly payment intended to cover essential household needs, including groceries, medical expenses, and general living costs for our two adopted children. Following that contact, I fully complied with all instructions provided by the customer service representative. I completed the required form and returned it by email on XX/XX/year>, as directed. I also provided a copy of my drivers license, which contains a signature matching the signature on the submitted form, in support of identity verification. I also have a recording of the chat conversation showing that I fully complied with the original request and followed the instructions given to me. During a follow-up call on XX/XX/year>, I was then informed that I would be required to travel to a physical branch located in a different city, approximately XXXX hour away, to resubmit the same form in person. This requirement is not feasible due to my current medical condition. I am bedridden as a result of a spiral ankle fracture with dislocation that required surgical internal fixation. Under strict medical orders, I am prohibited from bearing weight on my injured foot. Traveling that distance to another city would place me at substantial risk of further injury and could result in additional surgical intervention. Despite clearly explaining my medical limitations and the documentation already provided, I was informed that no alternative accommodation could be made unless I appeared in person at a branch. As a result, the funds remain inaccessible, even though they are essential for my household and for meeting the needs of my children.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Action had started to take place XX/XX/XXXX after an escrow analysis was sent showing a shortage in my accounts escrow. Monthly phone calls asking for an update. I do not have specific dates of phone calls. Selene finance tax department states that they will not be refunding until XXXX XXXX refunds the double payment. As of today XX/XX/XXXX there is no update on when I can expect my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I had previously sent money to the recipient on Cash App. I sent money again to the same recipient not knowing that the account isnt being used anymore. I asked Cash App to send it back but they refused because the transaction was completed. I asked for a refund from the recipient but she couldnt do anything. I went back and forth with Cash App for hours. Cash App said they will reverse the transaction after 10 days. When the 10 days were up they still refused to send me my money back. The amount is XXXX dollars. They should not be able to keep my money and I should not be held responsible for what others do with their Cash App accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Remitly, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I initiated an international money transfer of {$7000.00} through Remitly. At the time of initiating the transaction, the app displayed a delivery estimate of 34 business days. I relied on this timeline because the transfer was time-sensitive. After submitting the transaction, the delivery timeline changed to a later date ( XX/XX/year> ). Remitly is now stating that only the delivery estimate shown in the receipt after submission is considered final, and that earlier timelines are only estimates. From a consumer perspective, this is misleading. The delivery timeline shown before submission directly influences the decision to proceed. Changing or overriding that expectation after submission creates a discrepancy between what was presented and what was actually delivered. On XX/XX/year>, upon realizing the delay would impact me, I contacted Remitly and requested cancellation and refund so I could re-initiate the transfer using their Express service. This request was not effectively actioned, and I was informed that cancellation was no longer guaranteed. This removed my ability to mitigate the delay. The funds were ultimately delivered on XX/XX/year> ( XXXX ), which was later than the originally expected timeline I relied on. As a result, I incurred a financial penalty of approximately {$540.00}. Remitly has declined further compensation, stating that the transfer was completed within the final delivery estimate shown in the receipt. However, this does not address the core issue of misleading delivery timelines presented prior to submission and the lack of effective resolution when I attempted to correct the issue. I am requesting fair compensation for the financial loss incurred due to reliance on inaccurate and misleading delivery information, and a review of this practice to prevent similar issues for other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I am filing a complaint regarding a charge dispute that was incorrectly denied by American Express. On XX/XX/year>, I attempted to complete a required business filing online and was redirected to a third-party service, Fast Filings, where I was charged {$110.00}. I believed I was completing a legitimate filing process. Within minutes of realizing this was a third-party service, I attempted to cancel the transaction. I attempted to contact the merchant by phone immediately and later followed up by email on XX/XX/year> to continue my cancellation request. The merchant claims that a digital product was downloaded. However, I did not download, receive, or access any documents from this company. I have no knowledge of what was supposedly downloaded, and I did not receive anything of value. Additionally, the service I paid for was never completed. The filing was not submitted by the merchant, and I was required to complete and pay for the filing myself directly with the Utah Department of Commerce. I have official documentation showing that I completed the filing independently. The merchant also incorrectly stated that I never attempted to contact them, which is false. I provided documentation showing my attempts to contact and cancel the service. Additionally, American Express appears to have misinterpreted my documentation. The filing document from the Utah Department of Commerce was completed and paid for by me directly, not by the merchant. This document was incorrectly treated as evidence that the merchant completed the service. It also appears that the merchant may have obtained my filing from publicly available records and used it to support their claim, which is misleading and does not demonstrate that they completed the service. Additionally, American Express did not follow its own dispute timeline. In a letter dated XX/XX/year>, I was instructed to submit documentation by XX/XX/year>. However, I received a decision dated XX/XX/year>, denying my dispute before that deadline had passed. American Express denied my dispute based solely on the merchants claim that a digital product was downloaded, without verifying whether the service was actually completed. I am requesting a full reversal of the {$110.00} charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I obtained a credit card with Navy Federal Credit Union with a {$7000.00} credit limit. I paid on the credit card for 4 years and still owe {$5000.00}. Navy Federal Credit Union closes the card and continued to charge interest on the credit card despite the card being closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: Comerica
State: MI

Complaint narrative:
I am filing a complaint regarding an unauthorized {$1600.00} XXXX XXXX transaction that my bank has refused to reimburse. The transaction occurred on XX/XX/year> at approximately XXXX XXXX through my XXXX account for a high-value electronics purchase ( XXXX ). I did not authorize this transaction and did not provide permission for anyone to use my account or XXXX XXXX. I also did not receive the item. I reported the issue directly through XXXX, and my claim was denied based on policy without any proof of delivery or confirmation that I received the order. Additionally, my XXXX account was logged into multiple devices, including non-mobile systems, meaning access to my account was not limited to a single device in my possession. I did not authorize this transaction from any device. While I may have previously speculated about a possible individual or individuals, I would like to clarify and clearly state that I do not know who initiated the transaction and have no evidence identifying any person. However, I can state with certainty that I did not authorize this charge. The bank appears to have relied solely on the fact that the transaction was made through my account and delivered to my address, which does not establish authorization under the Electronic Fund Transfer Act ( Regulation E ). I am requesting that the bank provide evidence that I personally authenticated this transaction. If such evidence can not be provided, I am requesting full reimbursement of the {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: TX

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 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 non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is regarding my brothers deceased business account. He was originally banking with XXXX XXXX and he passed away when his account was still with First republic a few months later Chase acquired First republic, and when they transferred the funds into the new account, apparently Chase erroneously opened the account as a business account rather than an estate account. I have no idea and Ive just been in Probate trying to close the estate. I deposited a large check into the account, causing Chase bank to figure out their mistake. They ended up closing the account and I have not been able to have access to my account since XX/XX/year> I have been unable to play. My brothers one last employee was helping me with the taxes since XX/XX/year>. Finally, they issued a check erroneously to the business name rather than the estate name and Im unable to open up an account at another bank. It has been four months since I have not had access to over {$450000.00}. This has cost loss of interest and undue stress from my end. I am at the point where Im about to pay my brothers ex employee out of my own pocket because XXXX cant access the funds. Unacceptable from Chases perspective.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi bank closed my bank account over a year ago and did not send me my check to my house they are asking for all types of verification. But yet to still verify my account they have caused me to be evicted and lose my phone service and become homeless for a certain amount of time due to closing my account for no reason. And sending my check to the wrong addresses. They are non compliant to my issue. This bank is the worst bank in the United States of America. They will steal your money and close your account if you are using your account too much.

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Complaint Regarding Improper Hold on Cashiers Check Deposit Lack of Notice and Misrepresentation I am filing a formal complaint against Truist Bank regarding the improper handling of a cashiers check deposit, and failure to comply with federal funds availability requirements. On XX/XX/year>, I deposited a large cashiers check ( from a verifiable POD account at XXXX XXXX XXXX XXXX at the Truist branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX At the time of deposit, I explicitly asked the bank representative whether there would be any holds or issues with the funds. I was clearly and explicitly informed that there were no holds, flags, or restrictions, and that the funds would be available the next day, as it was a cashiers check. Neither the XXXX XXXX XXXX XXXX nor his supervisor XXXX XXXX have followed up at all to numerous complaints about this matter. Despite this assurance, after the deposit was accepted, Truist Bank placed an administrative hold on the funds without : Providing any prior notice at the time of deposit Providing a written notice explaining the hold Giving a specific or reasonable cause for the delay Providing a clear timeline for when funds would be released This action has caused significant financial harm, including : Necessity of utilizing credit lines at materially significant interest rates Loss of access to funds that were represented as available Ongoing uncertainty regarding my financial obligations Under the Expedited Funds Availability Act ( Regulation CC ), banks are required to : Provide timely notice when placing extended holds Have reasonable cause for such holds Clearly disclose availability timelines at the time of deposit Truist Bank failed to meet these obligations and, more concerningly, misrepresented the availability of funds at the time of deposit, which directly influenced my reliance on those funds. In fact, XXXX XXXX the Branch Manager advised that all he needed to do was call someone at XXXX XXXX XXXX to confirm the checks validity. He has not subsequently followed up in any way to confirm that he has done so or failed to do so. I am requesting the following : 1. Immediate release of the held funds ( if not already resolved ) 2. A full explanation of the reason for the hold 3. Reimbursement of any fees or financial damages caused 4. Confirmation of corrective actions to prevent similar incidents I ask the Consumer Financial Protection Bureau to investigate this matter and ensure compliance with federal banking regulations.

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