vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am disputing these charges under the Fair Credit Billing Act and Visa chargeback rules for services not received. The hotel confirms they never payment and cancelled the reservation. Despite this, my account was charged XXXX times ( with XXXX credit ). Please reopen/escalate this dispute and provide documentation showing settlement of funds to the merchant. On XX/XX/XXXX I made XXXX charges for {$4200.00} to XXXX XXXX XXXX ( XXXX rooms for a vacation over XXXX XXXX ). My husband was unaware that there would be XXXX separate charges and when Chase reached out to him about possible fraud, he initially said there should only be XXXX charge. After I spoke with him and confirmed that there should in fact be XXXX charges, he called Chase immediately and canceled out the dispute. We were unaware and were not told that the dispute was already in motion. We saw XXXX charges on our card with XXXX credit and a rebill all in the amount of {$4200.00}. We assumed everything was fine until XX/XX/XXXX when I was notified that our XXXX room had been canceled for nonpayment. According to Chase ( I spoke with someone on XX/XX/XXXX @ XXXX ) and that person stated that the money was sent and received by XXXX XXXX on XX/XX/XXXX. I have been in contact with someone from XXXX XXXX who has shown me all the transaction between my card and XXXX XXXX and they did not receive a XXXX transaction on their end. We traveled XXXX XXXX XX/XX/XXXX and occupied XXXX rooms. We had to pay for an additional room at a higher rate once we realized our original reservation was cancelled for XXXX of the rooms. We have been charged for XXXX rooms. The original dispute regarding the XXXX charge of XXXX was resolved when Chase said the money was sent. We are looking to reopen that dispute considering no goods or services

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I closed this account 2 months ago with a {$0.00} balance. Chime is continuing to report it as active/new debt, which has caused a XXXX drop in my credit score. I want the account marked as 'Closed ' with a {$0.00} balance immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 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: Bilt Technologies, Inc.
State: WA

Complaint narrative:
On XXXX XXXX, my mother used her XXXX XXXX XXXX by XXXX to pay Bilt Rewards for a rent payment to XXXX XXXX ( XXXX XXXX ) in the amount of {$1700.00}. XXXX charges went through totaling {$3400.00}. Only XXXX payment was authorized. She filed a dispute with XXXX for the duplicate charge. XXXX issued a provisional credit of {$1700.00} around XX/XX/year>. XXXX disputed the chargeback and supplied information on XX/XX/year>. The chargeback was reversed on XX/XX/year> and her provisional credit was removed. She canceled the dispute and decided to use the overage of funds toward paying rent. No refund was ever recieved. Bilt 's own dispute records, provided by Bilt Rewards XXXX XXXX via email, show the following timeline through their payment processor XXXX : - XX/XX/year> : Chargeback opened- XX/XX/year> : Bilt supplied information - XX/XX/year> : Chargeback reversed - XX/XX/year> : XXXX processed Bilt debited She did not initiate a second chargeback. In a follow-up email dated XX/XX/year>, Bilt confirmed XXXX the XXXX payment was reversed via chargeback on XX/XX/year> and removed from the rent ledger on XX/XX/year>. XXXX then directed me to contact my card issuer for the funds. However, the XX/XX/year> XXXX statement shows no credit was ever received. When we contacted XXXX, their specialists confirmed they have received no funds, refunds, or returned amounts from Bilt. XXXX attempted to trace an XXXX number provided by Bilt but were unable to do so, as it was a merchant-specific number and not traceable on the XXXX network. I have requested a XXXX network-traceable XXXX for the XX/XX/year> transaction from Bilt, but none has been provided. Bilt confirms they were debited on XX/XX/year>. XXXX confirms they received nothing. Both companies are directing me to the other. The {$1700.00} duplicate charge from XX/XX/year> remains unresolved and unrefunded after nearly XXXX months. I am requesting the CFPB investigate where these funds are and require that Bilt or XXXX resolve this matter and return the {$1700.00} to my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year>, I attempted to receive a {$600.00} XXXX transfer for work services. Before the funds were sent, I logged into both the mobile app and the desktop site to ensure the destination was set to my [ Account ending in XXXX ] checking account, which was in good standing. My screen explicitly confirmed the destination was set correctly. Despite this, Capital Ones backend routed the funds to a different, overdrafted checking account ending in. I immediately contacted Capital One on XX/XX/XXXX and XXXX. During these calls, representatives confirmed a " systematic issue '' where my user interface did not match their internal records which took a second call for them to confirm that as the first was very firm that i made the mistake when i was assure i didnt... They acknowledged the error and filed an internal ticket for a " systematic sync failure. '' However, on XX/XX/XXXX, Capital One performed an unauthorized " XXXX XXXX XXXX '' withdrawal for {$280.00} ( labeled 'Withdrawal to XXXX XXXX XXXX ' ) to cover a previous overdraft. This offset was only possible because of the bank 's initial routing error. Capital One has since denied a reversal of this offset, despite admitting the error was on their side. Because of the bank 's refusal to return the misrouted funds, I'm having to potentially use out-of-pocket money. they as well even stated that i had the account sent and recieved for the account account in XXXX but that is not true as i have a video recording showcasing that i can recieve money on the XXXX account Furthermore, Capital One is reporting an incorrect address for me to XXXX Despite multiple phone calls where Capital One staff claim they do not have this address on file, they refuse to send a deletion notice to the credit bureau, leaving unverifiable and inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I originally started with the sign on bonus for the Chase Sapphire Preferred credit card. When applying for the credit card I was under the impression I would get a XXXX mile sign on bonus. When applying for the card, it said I was in eligible. I then called in to confirm that I was eligible and I was able to confirm that I was eligible. The code for the promotion was XXXX. I confirmed this with a customer service agent the day after I signed on I then called in a month later to confirm I was going to receive my bonus and it was confirmed the terms for the bonus were to spend {$5000.00} in three months which I completed within one month. My issue is I called in once I spent the {$5000.00} and confirmed that I would be getting my bonus and I got another confirmation. I then called in a month after that because I havent received my XXXX mile bonus offer and was told that Im in eligible due to having a Chase sapphire family card in the past. My issue is Ive never had a Chase Sapphire card of any kind and its unacceptable that they denied me for this bonus because Ive had a sapphire before. If you take a look at my credit report, you can clearly see. Ive never had a Chase Sapphire card before this one. I then called in because I received a letter saying that they could not honor my points because, you received notification at the time application and letter explaining premium decision. You may have similar products and or received new account bonus within the last 24 months the issue with this is Ive never had another Chase card besides the XXXX XXXX Chase card. This experience has been completely infuriating. All I wanted was XXXX miles sign on bonus and I didnt get that. So when I spoke to that last customer service supervisor, they informed me that I would not be getting the chase offer and that they would file a complaint on my behalf when waiting to give feedback after the phone call like Chase tells me to do I was hung up on. I called again to complain about that Chase supervisor and I was hung up on again without being able to lead my feedback, this experience has been unacceptable and Chase seriously needs to up their customer service skills. If they are putting a promotion out for XXXX mile bonus sign on then I expect to get that XXXX miles bonus sign on offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VELO LAW OFFICE
State: GA

Complaint narrative:
I am filing a complaint against VELO XXXX regarding inaccurate and unverified debt collection reporting. VELO XXXX is reporting a utility collection account on my credit reports ; however, I do not have a contract or agreement with this company. I dispute the validity and accuracy of this alleged debt. I requested proper validation of the debt, including : * The name of the original creditor * A copy of the original signed agreement or service contract * Complete billing and payment history * Proof that I am legally responsible for the debt * Proof that VELO XXXX has legal authority to collect and report this account To date, sufficient validation has not been provided. Despite the lack of proper validation, the account continues to be reported to the credit bureaus, which is negatively impacting my credit profile. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting : XXXX. A full investigation into this account XXXX. Immediate verification of the debt XXXX. Removal of any inaccurate, unverifiable, or improperly reported information from all credit reporting agencies XXXX. Cessation of collection activity until proper validation is provided I request written confirmation of the investigation results and any corrective actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
I attended The XXXX XXXXXXXX XXXX XXXXXXXX and took out federal student loans to fund my education. On XX/XX/XXXX, I received official notification from the U.S. Department of Education that my federal student loans associated with The Art Institutes are eligible for full discharge under XXXX XXXX to Repayment as part of the XXXX XXXX borrower relief actions. The Department of Education determined that The XXXX XXXX engaged in pervasive and widespread substantial misrepresentations related to graduate salaries, employment rates, and career services. My discharge notification also stated that I may be eligible to receive refunds for prior payments made on the XXXX federal student loans. Prior to this discharge determination, in XXXX, I refinanced my federal student loans into a private student loan through XXXX. The refinance paid off my federal student loan balances through federal loan servicers. I have attempted to obtain information regarding my original federal loan accounts, discharge processing, and potential refunds. However, I have been unable to obtain clear guidance regarding how borrower defense refunds are handled when the underlying federal loans were previously refinanced through a private lender. I also contacted prior federal loan servicers, including XXXX, and was informed that the discharge and refund process is managed solely by the Department of Education. At this time : * My federal student loans have been determined eligible for full discharge * I may be eligible for refunds related to those loans * My original federal loan records are no longer easily accessible due to refinancing * I remain responsible for private student loan debt that originated from loans now deemed eligible for discharge This situation has caused ongoing financial harm and uncertainty regarding the status of any refund or relief to which I may be entitled. I am requesting clarification, review, and resolution regarding the discharge processing and handling of any refunds associated with my federally XXXX student loans.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: NJ

Complaint narrative:
I am writing to formally dispute the validity of the medical debt mentioned above and to request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). Please be advised that I am exercising my right to verify that this alleged debt is accurate and that your company has the legal right to possess my private medical billing information under the Health Insurance Portability and Accountability Act ( HIPAA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Formal Complaint against Wells Fargo Deceptive Marketing, Gross Misconduct, and Denial of Customer Rights XXXX. Deceptive Bonus Offer & System Failure : I received a mailer with an {$820.00} bonus offer for a new " Initiate XXXX Checking '' account. I completed the online application and received an " Approved '' status. However, when I called to confirm the next steps, XXXX different representatives could not find my XXXX or account in their system for over an hour, despite me providing the XXXX XXXX and XXXX XXXX clearly displayed on my approved screen. XXXX representative from the XXXX Department was extremely rude, refusing to verify my account via the account number and failing to correctly spell or repeat my XXXX name, eventually giving me a completely different name. XXXX. Employee Misconduct & Refusal to Escalate : The XXXX representative repeatedly talked over me and refused to address my concerns. When I asked for her name to file a complaint, she abruptly hung up on me. Subsequent calls were equally unproductive. None of the XXXX representatives knew the requirements for the {$820.00} bonus or the next steps for account activation. Despite my repeated requests to speak with a supervisor to resolve these conflicting instructions ( e.g., being told to visit a branch despite online approval ), every representative refused to escalate the call. XXXX representative transferred me to a random department, and others flatly denied my right to speak with management. XXXX. Suppression of Customer Rights : When I informed a representative that I was recording the call for my protection, she aggressively claimed that recording was " illegal '' and that I was " absolutely not allowed '' to record, which is a suppression of my rights as a consumer in a recorded service line. XXXX. Failure in Account Closing Process : Exhausted after over XXXX hours of XXXX resolution, I contacted the Closing Department. I explained that I was closing the account because no one could help me with the setup. The representative, XXXX, showed XXXX interest in the issue and processed the closure without asking for any details. When I asked for a reference number for the call, she claimed that Wells Fargo representatives do not have reference numbers, which prevents any accountability for their misconduct. Conclusion : I suspect Wells Fargo is intentionally inflating account opening numbers through misleading mailers without providing the necessary infrastructure or staff training to support new customers. Their refusal to connect me with supervisors and the systemic rudeness I experienced are unacceptable. I am filing this complaint to ensure an investigation into their deceptive practices and professional misconduct.

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 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I disputed a collection account being reported by CREDIT COLLECTIONS associated with XXXX XXXX XXXX XXXX in the amount of approximately {$76.00}. I requested validation and supporting documentation for this alleged debt, including documentation showing I am legally responsible for the debt, proof of the balance claimed, and documentation showing the collection agency has authority to collect and report the account. Despite my dispute, the account continues to be reported to the consumer reporting agencies with dispute remarks stating consumer disputes this account information. However, I have not received sufficient documentation supporting the balance or collection activity. I believe the account is being reported and collected without proper verification or reasonable investigation. I am requesting a proper investigation and supporting documentation for this account, or deletion of the account from my credit reports if it can not be fully and accurately verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened a card with Capital One XX/XX/XXXX. I tried to make a few scheduled payments with a linked debit card once my first balance posted and there was a banking problem with my linked debit card. The payments were returned on XX/XX/XXXX and XX/XX/XXXX so I contacted the bank and they advised me to link my checking account to my card to prevent any further confusion. I called Capital One on XX/XX/XXXX and we discussed the returned payments. The representative explained to me that they were confident that the new payment for the amount of XXXX, scheduled for XX/XX/XXXX was expected to clear and that my card 's credit would be unrestricted by XX/XX/XXXX. I then found an email in my XXXX XXXX that was dated from the same day and it said my account was closed. They returned my security deposit and have not provided me with an ample explanation of why they've closed the account after I filed a dispute. They had stated they would considered my account for review but my deposit was returned again with no notice of why. This has hurt my credit badly and caused a lot of trouble for me. The payment method was corrected but the proceeded to misinform me that my card was fine when clearly my account had already been closed. I'm very unhappy with this company and am asking for help. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation