vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I signed up for a checking account with a sign up bonus of {$1500.00} after making a certain number of eligible transfers plus maintaining a certain balance. I called and spoke to them about what was required and then made the necessary transactions based on what the rep said. When I called to confirm that I was receiving the bonus they said that I was actually XXXX transaction short of the requirements and it was too late to make that last transaction. I transferred a substantial amount of money ( more than XXXX ) to get this bonus and then made the transactions based on a convo I had with the rep- I feel totally tricked to then be told XXXX XXXX transaction short when I just did what the rep said.

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 2026-05-17 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This entire thing was created by Wells Fargo. You needed {$500.00} balance to waive monthly fee. They increased it to {$1500.00} without informing me about it. So they charged me {$10.00} fee XX/XX/XXXX, {$15.00} fee XX/XX/XXXX, {$15.00} fee XX/XX/XXXX, {$15.00} fee XX/XX/XXXX, {$15.00} fee XX/XX/XXXX and {$15.00} fee XX/XX/XXXX. I just want them to reverse these monthly fees and inform properly if they decide to change the amount needed to waive monthly fee.

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 2026-05-17 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: CA

Complaint narrative:
- Im writing to file a complaint against Portfolio Recovery Associates , LLC 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 2026-05-17 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing a formal complaint against Synchrony Bank regarding a {$550.00} credit balance on my Lowe 's credit card caused by an overpayment. I contacted customer service XXXX first by chat, and second by calling XXXX and escalating to request a Credit Balance Refund. In both cases the bank refused to initiate an immediate ACH reversal or expedited check, stating the refund was 'under consideration ' and would take 15 days. This is a deliberate delay tactic to float my funds. Under Truth in Lending Act Regulation Z ( 12 CFR 1026.11 ), a card issuer is federally mandated to refund a credit balance within 7 business days of a consumer 's request. Synchrony Bank is actively violating federal timelines by forcing a 15-day waiting period. I demand an immediate electronic ACH refund or an expedited check for my {$550.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Skrill USA, Inc.
State: KS

Complaint narrative:
Hi I recently had filled out a dispute forum with skrill regarding my debit card having multiple unauthorized transactions after I filed it couple days went by I noticed that my physical card had gotten suspended

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/XXXX I closed a checking account with Chime. They owed me {$230.00} from what was left in my account during closure. I called many times, was told a check was on its way, verified address, etc. When I had waited the 30 days for my check, I was told it arrived on XX/XX/XXXX, even though I did not recive anything. They told me they canceled the old check and sent me a new one. It has been two weeks and I have not recived the new one. I want my money, they owe me this money, their business says I am owed my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us bank is taking over a week to apply XXXX XXXX sent by XXXX. I belive this is an effort to collect daily interest still by not applying payments of full balance. They are taking over a week to apply payments that have been funded, all while collecting interest on the days they spend " processing '' payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 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: TX

Complaint narrative:
Account was fraudulent accessed and repeatedly charged from multiple different locations within minutes even as I was on the phone disputing charges with bank, chime said that they found no trace of fraudulent activity and that I wont receive any of my fund back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
b'I would like to file a complaint on the following two companies as collections shown on all three of my credit bureau reports.\n \nLVNV FUNDING LLC in the amounts of $XXXX & $XXXX- CLOSED\nCARE OF RESURGENT CAPTIAL SERVICES L.PXXXX XXXX XXXX XXXX XXXX XXXXacct #*XXXX and *XXXX; Debt buyer account\n\XXXX XXXX XXXX -$XXXX-CLOSED\nXXXX XXXX XXXX XXXX XXXX\nacct #XXXX charge off\n\nLVNV FUNDING, LLC- I do not know who this company is and have never had an account with LVNV FUNDING. I contacted via phone call the company to dispute the debt. They said they are collecting for XXXX XXXX credit card. I stated that account was closed four years ago due to lost/stolen cards and transactions were not authorized by me. I was told they would file a dispute, I have not heard anything nor has it been removed from my report. \n\nI contacted XXXX to resolve the issue showing on my report as a collection. I spoke to a representative in customer service and fraud alert to file a complaint via phone call. Both stated they did not have the account and that I needed to contact XXXX XXXX. I contacted XXXX XXXX and was told they did not have the account and that I need to contact XXXX Both companies had me contacting the other stating that they no longer had access to the account and could not share any information with me. They could not pull any statements to verify amounts. I reported this card lost or stolen and have not had access in approximately four years. I disputed this account and now it is showing on my credit report active as of XXXX.\n\nThese accounts are negatively affecting my credit report. I am have made several attempts to work with each company to resolve this issues but the companies continue to give me the run around and seemingly unable to verify the debt yet continue harm my financial standing by reporting to the credit bureau.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Collection Bureau Services, Inc.
State: MT

Complaint narrative:
I have been making monthly payments towards tuition debt ( not loans, unpaid tuition ) to Collection Bureau Services XXXX XXXX. ( XXXX ) My most recent monthly payment was {$100.00} on XX/XX/year>. On XX/XX/year> XXXX attempted to charge the same card {$1600.00}, successfully collecting {$310.00} from checking and {$4.00} from savings, for a total of {$320.00}. I did not authorize these payments, nor was I contacted by phone or mail that this would be charged. The account is a shared account between myself and someone I share a lease with. It is not my personal checking account and is a shared one between members of my household to pay shared expenses, like rent, power, and wifi.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION
State: NJ

Complaint narrative:
I am filing this complaint regarding Alliant Credit Unions improper servicing of my auto loan account, including account restriction, denial of payment access, and inaccurate delinquency reporting. Prior to the account reaching 30 days past due, I made multiple documented attempts to make a payment and communicated with Alliant representatives regarding hardship assistance. During recorded calls, representatives stated my account was restricted, they could not access the account, and they were unable to process a payment. Despite this, Alliant later claimed I could have paid and proceeded to report the account delinquent. I believe Alliants servicing practices, inconsistent communications, refusal to communicate substantively in writing despite operating as a large XXXX XXXX XXXX, and handling of account restrictions raise serious concerns regarding member treatment, transparency, and compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
my paypal account was permanently limited on XX/XX/year>, during which they were supposed to send me an email confirming this action on my account, and they did not. after which, on XX/XX/XXXX, i attempt to pay for a service using my account and i was met with a nasty message on my screen telling me that my paypal account was permanently limited. i almost never recieve payments on paypal, and almost exclusively use it to pay for services. which means someone likely filed a dispute over a payment i made. the only payment that matches the timeframe was a payment on XXXX on XX/XX/XXXX that i made for an ingame code. my best guess is that they made a fraudulent appeal to paypal or something, however, paypal refuses to help me. they boast claims about protecting the buyer, however all attempts to try to reinstate my account has been met with almost exclusively copy-pasted answers from overseas support agents and AI. it is virtually impossible to get any support from paypal and i have been met with a brick wall in getting my account back. paypal is an extremely shady business and reserves the right to foreclose your account and terminate all services for you without warning and without telling you what you did wrong, and with no means of fixing the issue or disclosing what could be done in the future. for all intents and purposes i am almost exclusively left with no choice but to make an entire new account, which the uninformed woman on the phone told me i was allowed to do, though XXXX almost 100 % certain that will result in getting the new account terminated for attempting to circumnavigate an account restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
My son was XXXX in the early morning hours of XX/XX/XXXX. Earl that morning I got a call from a no caller ID number, they identified themselves as They XXXX XXXX XXXX XXXX. The scammer told me my son qualified for a release program, but needed to be fitted for a GPS tracker. Was XXXX for ankle model, was XXXX for wrist watch style. They wanted it done thru XXXX XXXX, but XXXX would not allow the transaction. So, the scammer told me I had to open a Chime acct, so I did. I moved XXXX from my checking, but Chine would only allow XXXX to go thru. Per Chime, Ive put in a request for refund, which has pretty much been ignored. But Chime said the request will expire in 2 weeks, thats when they will dispute the request for refund. The Chime acct that received the money has been open since XXXX. Its under the name of XXXX XXXX. But the profile also refers to a XXXX XXXX as well. The scammers said I was listed on my sons records as the emergency contact. The same man was able to scam my c wife for XXXX. And they also tried getting my daughter as well. When Chime acct would only allow XXXX, they said I could XXXX thru XXXX XXXX XXXX. XXXX shut the transaction down immediately and thats when I figured I was scammed. I was in the phone with that guy for about 3 hours that morning. I am planning on following up again with Chime next Monday, because of my request for refund. But realistically they havent been much help yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
This was an old credit card debt in my business name, someone showed up at my door with paperwork from filing a civil suit for the amount that I owed, I tried contacting company on many occasions to lower interest rates so that I can pay this debt off, iv given them XXXX of dollars but I couldnt afford to keep paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I voluntary did a repossession and they sold the vehicle and I paid the remaining balance off in full and I have the letter to prove it but they have it as a charge off on my account and I have asked twice to change it and they want what can I do because the account was paid 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 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally express my dissatisfaction regarding Capital Ones Refer a Friend promotion, which advertised a {$100.00} referral bonus for approved new cardholders, up to five referrals per year. I referred 2 individuals using the referral link that was provided directly through my Capital One app. Based on the information presented within your own platform, I had every reason to believe that the referrals qualified under the promotional terms. The referred individuals completed the application process and obtained new Capital One cards. After waiting approximately XXXX weeks I called and inquired and was told I must wait XXXX weeks and at at XXXX weeks I called again for the referral bonus ' to be processed, I contacted Capital One only to be told that the link provided through my account was allegedly only a pre-approval link and therefore did not qualify for the referral incentive. This explanation is both confusing and unacceptable. At no point was it made clear that the link displayed through my Capital One app would not qualify for the advertised referral program. If Capital One provides links through its own platform that appear to be referral links, consumers should not later be denied promotional compensation based on undisclosed technical distinctions or internal classifications. The lack of transparency and accountability in this matter is astonishing. Customers should not be expected to decipher hidden differences between links provided directly by Capital One, especially when the promotion itself is clearly marketed as a referral opportunity. I am requesting the following : A full review of my referral submission and account history. Payment of the promised referral bonus ' if the referred applications met the stated promotional requirements. A written explanation clarifying why a link issued through my Capital One app would not qualify for the promotion and why is very nefarious to offer compensation then denying due to your platform. Immediate review of the clarity and transparency of Capital Ones referral program communications to prevent similar customer experiences. I have been patient throughout this process and allowed more than sufficient time for processing before raising this complaint. I expect a prompt and fair resolution. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing to dispute your response to my prior complaint # XXXX, as the explanation provided does not reconcile with the account statements or payment history. On the statement covering XX/XX/XXXX through XX/XX/XXXX, the Minimum Amount Due is listed as {$690.00}. This amount is incorrect. The actual amount due by XX/XX/XXXX was {$690.00}, which was timely paid. The calculation is as follows : Regular payment : {$620.00} Late fee : {$29.00} Additional late fee : {$40.00} Total : {$690.00} Your XX/XX/XXXX correction acknowledged a {$2.00} error related to the XX/XX/XXXX payment cycle. However, that {$2.00} discrepancy directly caused an additional {$40.00} late fee to be assessed on XX/XX/XXXX. Had the XXXX statement reflected the correct amount due, this late fee would never have been triggered. Further, I do not understand how the account balance then reflected {$700.00} due. Even if the improperly assessed {$40.00} late fee were included, the balance should have been : {$620.00} payment Plus {$40.00} late fee Total : {$660.00} Please explain how the balance became {$700.00}. Then, on XX/XX/XXXX, another {$40.00} late fee was charged, bringing the amount to {$790.00}. This is completely inconsistent with the prior balances and fees assessed. Even assuming incorrectly that two additional {$40.00} late fees were valid, the balance would have been approximately {$700.00}, not {$790.00}. This situation is extremely concerning and has required an unreasonable amount of time spent reviewing statements and drafting correspondence to address errors that originated from an incorrect statement balance generated by your institution. I am requesting : A full written accounting showing how each balance was calculated ; Reversal of all late fees resulting from the original {$2.00} statement error ; Correction of any negative credit reporting associated with these disputed late fees ; and Written confirmation once the account has been corrected. Please investigate this matter thoroughly and provide a detailed written response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I participated in the Capital One XXXX rewards program, utilizing an email subscription and a browser extension. I received several offers from Capital One XXXX which I proceeded to make purchases on, and never received the promised rewards. I received an offer from Capital One for 50 % rewards on any purchase placed on XXXX on XX/XX/year>. I proceeded to spend {$1100.00} on XX/XX/XXXX at XXXX with the Capital One XXXX Rewards extension showing a valid offer. The Capital One XXXX offers are binding contracts between Capital One, the shopping partner, and myself, and I expect them to be fully honored. Note : It's widely known that XXXX invoices in a very strange way that has to do with when orders are shipped, not when they are ordered, so even though I placed the orders on XX/XX/XXXX, XXXX invoiced them in a series of subsequent emails and invoices. However, of the XXXX orders were placed on XX/XX/XXXX, the day on which I was offered 50 % rewards on XXXX orders up to {$1000.00}. You can see that date on some of the email receipt XXXX XXXX from XXXX. The other charges were my Cap One XXXX XXXX, which shows th XXXX invopice/shipping dates instead. But you can see Capital One XXXX shows a record of the browser extension activity at XXXX on XX/XX/XXXX. So, {$1000.00} should have been ellgible, and I should have recevied {$500.00} in rewards. instead I only received {$40.00}. XXXX, I am owed {$460.00} by Capital One XXXX XXXX for this offer. I spent on another offer from Cap One and XXXX for 25 % back on XX/XX/XXXX. I spent {$570.00} on two rentals, earning {$140.00} in rewards which I never received. On XX/XX/XXXX I received an offer from Cap One and XXXX XXXX for {$150.00} when you spend {$250.00}. I spent {$380.00} and never received the rewards. In total, I am owed {$750.00} by Cap One XXXX Rewards. If the rewards aren't credited, it's a breach of contract by Capital One XXXX and the partners. Attached is documentation of the rewards offers and purchases. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have tried repeatedly to add funds to my prepaid debit cards and have all been denied! Citibank declines my transactions trying to load funds to my prepaid cards deliberately stating that every card that I try to add fund are deemed unsafe and bad merchants! I have been doing transactions with XXXX different prepaid debit cards ( chime ), ( XXXX ), and ( XXXX )!! All blacklisted by citibank!! I have been doing business with those 3 merchants for 7yrs!! Citibank will add money using ACH and Wire transfer but if a merchant is unsafe why would citibank approve those payment methods

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