vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, a company called XXXX XXXX XXXX electronically withdrew approximately {$10000.00} without any authorization whatsoever from our XXXX checking account. XXXX XXXX XXXX is a Chase client that has nothing to do with us or XXXX XXXX XXXX. When XXXX asked Chase to reimburse the funds, Chase stated that legally, the condo had 48 hours to report the fraud. However, we did not receive the bank statement until XX/XX/XXXX. We reported the fraud to XXXX XXXX XXXX immediately, but XXXX argued that if we reviewed our checking account daily, we would have discovered the fraud within the 48-hour period. We responded that it is unrealistic for us to review our checking account every day, as we operate a business with multiple accounts. The same fraudster attempted to withdraw an additional {$14000.00} on XX/XX/XXXX but because we had reported the issue, the attempt failed. I contacted my Chase representative, who stated that Chase was not even going to investigate the matter. I then contacted a Chase Wealth Management representative and reminded them that the bank has a duty to know its customer and, if the customer has acted fraudulently, the account should be closed. The private banker stated that they had investigated and found no history of fraud associated with this client. I responded that this was ridiculous, since the client fraudulently withdrew funds from our account twice, on XX/XX/XXXX and XX/XX/XXXX. I also contacted XXXX XXXX, CEO of Chase. While I did not speak with him directly, one of his executives spoke to me. I explained the situation, and she acknowledged that the bank has a duty to know its customer. She stated that she would investigate and get back to me within a few weeks. I also contacted the Federal Consumer Protection Agency and explained the situation. They advised that we file a police report. XXXX from our office went to the local precinct and reported the fraud. The precinct stated that we should receive confirmation of the report within about a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
I am submitting this complaint because the companys prior response does not resolve the issue and fails to provide an itemized accounting or full financial reconciliation of my loan following a total-loss settlement. I do not agree that the matter has been accurately resolved. The company states that an internal audit was performed and that a refund of {$1600.00} was issued. However, no itemized breakdown, ledger, or mathematical reconciliation was provided to support how this refund amount was calculated. Original amount financed : {$19000.00} Pre-accident payments : XX/XX/XXXX : {$410.00} XX/XX/XXXX : {$410.00} Total pre-accident payments : {$830.00} Adjusted balance at time of loss : {$18000.00} Post-loss consumer payments : XX/XX/XXXX : {$410.00} XX/XX/XXXX : {$410.00} XX/XX/XXXX : {$410.00} XX/XX/XXXX : {$410.00} Total post-loss payments : {$1600.00} Total consumer payments : {$2400.00} Third-party credits applied after total loss : Insurance payout : {$11000.00} XXXX insurance payment : {$6700.00} Vehicle Service Contract refund : {$1600.00} Total third-party credits : {$19000.00} Net calculation : Third-party credits minus adjusted balance at loss : {$19000.00} {$18000.00} = {$690.00} surplus Adding post-loss consumer payments results in a total estimated overpayment of {$2300.00} Refund issued by company : {$1600.00} Remaining unexplained discrepancy : approximately {$690.00} While the company asserts that an internal backend audit was performed and that temporary discrepancies occurred due to system processing limitations requiring payments to be lifted and reapplied, they did not provide any itemized accounting or mathematical reconciliation showing how the refund amount was determined. Specifically, the company failed to provide the payoff balance used at the time of loss, a transaction-level allocation of all payments and credits, an explanation of how insurance, XXXX, and vehicle service contract funds were applied, how post-loss consumer payments were credited or refunded, interest calculations or adjustments, or a refund calculation worksheet or ledger. The company instead provided a narrative explanation of internal audit procedures without supporting financial documentation. Because the numerical reconciliation remains incomplete and can not be independently verified, I do not agree that the issue has been resolved. I am requesting continued review and a complete itemized accounting of all loan activity, payment allocations, reversals, interest adjustments, and the full methodology used to determine the refund amount issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, my Wells Fargo debit card was compromised and utilized without my authorization or consent to execute XXXX rapid-fire transactions to XXXX totaling {$20000.00} ( {$5000.00}, {$5000.00}, {$4000.00}, and {$6000.00} ). I proactively alerted the Wells Fargo Fraud Department on XX/XX/XXXX while these massive charges were still pending in an immediate attempt to secure the account. Because the incident occurred on a Friday, these unauthorized charges officially finalized and posted to my account statement on Monday, XX/XX/year>. Despite my timely, real-time notification on the day of the breach, Wells Fargo permitted the {$20000.00} to clear and has since summarily denied my fraud claim without providing a legitimate, detailed justification. This failure to investigate a textbook pattern of " velocity fraud '' directly violates my consumer protections under federal Regulation E. I did not execute or authorize these transfers, and I received XXXX benefit from these funds. Notably, following my fraud report, Wells Fargos security systems successfully flagged and blocked subsequent unauthorized deposit attempts to other merchants. While I appreciate the banks post-incident intervention, it highlights a severe operational contradiction : the bank possessed the technical capability to recognize these external security threats, yet completely failed to protect my account when a massive, uncharacteristic {$20000.00} was drained via a single merchant in a matter of minutes. Furthermore, Wells Fargos handling of this breach has stripped me of normal account utility, causing severe ongoing financial hardship. My digital banking access and debit card have been heavily restricted, forcing me to conduct basic personal banking exclusively via physical branches. Even withdrawing small amounts of my remaining funds has become an exhausting, extended ordeal, as tellers subject me to excessive manual identity-verification delays. Wells Fargo is effectively restricting my account functionality and freezing my remaining capital based on a platform breach they failed to prevent. I demand an immediate executive review, full restoration of my {$20000.00} under Regulation E, and the immediate removal of these punitive operational restrictions on my checking profile.

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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
XXXXm writing to file a complaint against [ Collection Agency Name ] for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am filing this complaint regarding Bank of America 's failure to properly handle my fraud claim. On XX/XX/XXXX, unauthorized transactions totaling approximately {$8500.00} were made on my account. I reported the fraud to Bank of America the same day ( XX/XX/XXXX ), well within the timeframes required under the Electronic Fund Transfer Act ( EFTA ). Despite my prompt reporting, Bank of America has only issue a temporary credit of {$4200.00} about half of the total disputed amount. Under 15 U.S.C. 1693f ( a ), the bank is required to provisionally credit the full disputed amount ( minus a maximum of {$50.00} ) if the investigation is not completed within 10 business days. This has not been done. It has now been nearly two months since I filed the claim. I have called Bank of America multiple times to follow up, but each time I am given no meaningful update on the status of the investigation and no explanation for why only a partial temporary credit was issued. I am requesting the following resolution : 1. Immediate provisional credit of the remaining approximately {$4200.00}. 2. A prompt and good-faith completion of the fraud investigation. 3. Full and permanent credit of all unauthorized charges once the investigation confirms fraud.

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 monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America allow XXXX XXXX to overdraft my account for {$500.00} they told me that I owe the hotel {$500.00} and after realizing they made a mistake they told me that the hotel owe XXXX but it was too late I closed the account because if I had to put any more money in account they would have ticket and gave to XXXX XXXX again I had that account connected to my company called XXXX XXXX XXXX XXXX but I had to close down my company account due to Bank of America mistake I've been trying to file a complaint for a long time but I didn't know who to follow with I finally got through to you guys

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 2026-05-29 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: FL

Complaint narrative:
I am filing this complaint regarding Cash Apps decision to close my account without providing a meaningful explanation or evidence of any wrongdoing. Cash App informed me that my account was being closed due to an alleged violation of its Terms of Service. However, the company failed to identify which specific term I supposedly violated, what activity triggered the closure, or what evidence was used to reach that conclusion. Instead, I received only a generic statement that my account violated company policies. I have used my Cash App account for legitimate personal transactions and have not knowingly engaged in any activity prohibited by the Terms of Service. Because Cash App has refused to provide a clear explanation, I have been left unable to understand the reason for the closure, correct any alleged issue, or meaningfully appeal the decision. I believe consumers deserve transparency when financial service providers take actions that affect access to their accounts and funds. Closing an account based solely on a vague allegation, without identifying the specific violation or providing supporting information, is unfair and prevents consumers from defending themselves against potential errors. I am requesting that Cash App : 1. Provide a detailed explanation of the specific Terms of Service provision they believe I violated. 2. Identify the transaction ( s ) or activity that led to the account closure. 3. Conduct a thorough review of my account. 4. Reinstate my account if no actual violation occurred. 5. Ensure that any remaining funds or account information are made fully accessible to me. I respectfully request CFPB assistance in obtaining a clear explanation from Cash App and a fair review of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I rented a car on XX/XX/XXXXXXXX XXXX XXXX XXXX and returned it on XX/XX/XXXX XXXX XXXX. I should have been charged {$180.00} per the quote and agreement with XXXX. Instead, I received 2 charges on my credit card, and one was for {$1000.00}. I informed AMEX of this dispute and that this was a fraudulent charge but they have denied my dispute and do nothing but regurgitate company policy to me. I sent supporting documentation to both XXXX and AMEX of the below : Fwd My XXXX XXXX XXXX and XXXX Rental Quote these are the reservation documents that have the confirmation showing a 1-day rental for a total fee of {$180.00} to be picked up XXXX XXXX and returned to XXXX XXXX Invoice XXXX Incorrect for 6 Days This is a bill for a total of {$1400.00} showing a 6-day rental ; no idea how they pulled 6 days out of thin air, but this one is far beyond an error XXXX - AMEX Incorrect Bill # 2 - this shows my AMEX charged for {$1000.00} ; I assume this is for the 5-day rental invoice and somehow they billed a different amount. Either way, they are both incorrect XXXX XXXX AMEX Incorrect Bill # 1 this shows my AMEX charged {$380.00} ; no clue where this amount came from AMEX informed me that even though the one bill showed me returning the car after 1 day, the other bill that showed me having 6 days was also correct. It is impossible for both of those to be accurate if common sense is used. I am reaching out here as I am very frustrated and will not pay this charge. I have never filed a complaint in 15+ years as an AMEX customer and am just at a loss as to what to do to get this resovled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
On XX/XX/year>, I opened a XXXX XXXX XXXX Checking account with Huntington Bank using a promotional link that offered a {$1000.00} cash bonus for : 1 ) Opening a new account ; 2 ) Making total new money deposits of {$20000.00} or more within thirty ( 30 ) days of account opening and then maintaining a daily balance of {$20000.00} or more for sixty ( 60 ) days after meeting the initial deposit requirement ; and 3 ) Maintaining an open account status in the eligible checking account for ninety ( 90 ) days. On XX/XX/year>, I deposited {$20000.00} into the account, which met the initial deposit requirement and started the 60 day clock. I maintained a daily balance of {$20000.00} or more until XX/XX/year>, which was 61 days after the initial {$20000.00} deposit, thereby meeting the second requirement for the bonus. I maintained an open account until after XX/XX/year>, which was 91 days after account opening, thereby meeting the third requirement for the bonus. Per the terms of the promotional offer, the {$1000.00} bonus was to be deposited into my account within 14 days of meeting all the requirements, which would have been XX/XX/year>. To this date, no bonus has been deposited into my account. On XX/XX/XXXX, I contacted Huntington Bank over online chat to inquire about the bonus and they said I wasn't eligible because the funds weren't maintained for long enough, but I explained that they were and they they terminated the online chat. On XX/XX/XXXX, I contacted Huntinton Bank by phone and escalated to call to a supervisor who acknowledged that I had met all the terms & conditions and said she would escalate it for review and get back to me. I have still not heard back from them or received my {$1000.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: FEDChex Recovery, LLC
State: NJ

Complaint narrative:
Debt collection agency texted me at XXXX XXXX. Text message woke me up in the middle of the night. I called the agency during business hours and a representative confirmed the text was sent at XXXX XXXX but was otherwise dismissive. Highly inappropriate time to text someone. Disrupted my sleep. I wake up early for work and suffer from bouts of XXXX. After receiving this text message I was unable to return to sleep, resulting in an exhausted, unproductive work day. This has impacted my income for the day, as I work on commission and was too tired to perform my work duties efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
On XX/XX/year>, I filed a CFPB complaint regarding a collection account reported by Source Receivables Management in the amount of approximately {$1900.00}. I disputed the accuracy of the alleged debt and requested validation, including documentation showing that I am legally responsible for the balance, an itemized accounting of the charges, and documentation supporting the companys authority to collect and report the account. As of the date of this complaint, I have not received adequate validation or documentation supporting the debt. Despite the ongoing dispute, the collection account continues to be reported on my credit report. I have also disputed the account directly with the credit reporting agency. I am requesting that Source Receivables Management provide complete documentation supporting the validity of the alleged debt, including lease records, move-out records, a final accounting of charges, and documentation establishing the basis for the reported balance. If the company can not provide competent evidence supporting the debt, I request that the account be removed from all consumer reporting agencies and that collection activity cease. I am seeking a full investigation into the accuracy of this reporting and a written explanation of the basis for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
COMPLAINT AGAINST : Comenity Bank / Account Assure Add-On Product REGARDING : Bad-Faith Claim Denial, Breach of Contract, and Credit Defamation ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a paying consumer of the Account XXXX credit protection program for both my XXXX XXXX and XXXX XXXX XXXX, issued by Comenity Bank. I have faithfully paid my monthly premiums for this protection. Following my involuntary unemployment, I filed a timely claim and provided a complete, indisputable packet of official documentation that fully satisfies the programs terms. The documentation I provided to Account XXXX includes : My official XXXX XXXX XXXX XXXX Approval Letter. My XXXX XXXX XXXX XXXX Registration for Work. My original Termination Letter from my ex-employer. My last two paystubs proving the exact dates of my employment and termination. Despite this overwhelming, official state documentation, Account XXXX summarily denied my claim. They chose to take the unverified verbal or written word of a hostile ex-employer over their own paying customer. Account XXXX own terms and conditions explicitly state : " In the event the cause of unemployment provided by the state unemployment office and the employer contradict each other, the state unemployment office information shall overrule the employer information. " By failing to honor the XXXX XXXX XXXX Approval over the employer 's lies, Account XXXX is in direct breach of its own binding contract and is engaging in unfair, deceptive, and predatory claims handling practices. HARM CAUSED : Because Account XXXX refuses to honor their contract and make the promised payments, both of my credit accounts are now 60+ days past due. Comenity Bank is actively destroying my credit score and reporting delinquencies for a debt that should legally be covered by the protection plan I paid for. DESIRED RESOLUTION : Immediate reversal of the claim denial by Account XXXX. Retroactive application of benefits to pay off the past-due balances on both the XXXX XXXX and XXXX accounts XXXX Immediate correction of my credit reports with XXXX, XXXX, and XXXX to remove all past-due marks and restore my credit standing.

Company response to consumer: Closed with explanation