vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I was charged {$2400.00} by the merchant XXXX  for sweepstakes coins/services. After accepting payment, the merchant suspended and blocked my account, revoked the purchased coins, and refused to issue any refund. As a result, I received no usable service or value for the charge. 
I filed a billing dispute with Capital One and provided extensive supporting documentation, including merchant emails confirming my account suspension and refusal to refund, screenshots showing my account was blocked, and the merchants Terms and Conditions in effect at the time of purchase. These Terms required a refund if access to the purchased service was suspended or terminated. 
On XX/XX/XXXX, Capital One temporarily credited my account and acknowledged the dispute investigation. I then submitted a formal rebuttal with exhibits on XX/XX/XXXX and XX/XX/XXXX, directly addressing the merchants claims and providing additional evidence. 
After initially resolving the dispute in my favor, Capital One reversed their decision on XX/XX/XXXX, and re-applied the {$2400.00} charge. Capital One stated my response lacked required information but failed to specify what information was missing or provide any explanation of what evidence the merchant submitted that caused their decision to change. 
I requested clarification and explanation of their investigation and decision, but Capital One did not provide this information. 
Capital One failed to conduct a reasonable investigation and improperly held me responsible for a charge where services were never delivered. The merchant accepted payment but revoked access and refused refund, which meets the definition of services not rendered under billing dispute protections

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Home Depot credit card, XXXX XXXX, XXXX XXXX, MO, increesing the interest of the cedit card unclear and with no my approval or agreement to do this with 13 %. This is robbery! I need help for fixing this.

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 2026-02-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Block, Inc.
State: WI

Complaint narrative:
Cash app offered a {$20.00} loan on Friday and then removed, WITHOUT AUTHORIZATION, {$15.00} of that sum the following day as loan repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: DC

Complaint narrative:
On XX/XX/year> I attempted to use a Klarna card to make a purchase with XXXX  XXXX. XXXX  XXXX  declined the transaction, but still took the funds from the card. I didnt know this at first, and thought because XXXX XXXX  declined the card it didnt go through. I immediately paid with my own card through XXXX XXXX, however Klarna still has the card as active. Both Klarna and XXXX  XXXX  have given me the run around regarding this. Klarna claims that XXXX XXXX didnt cancel it and to wait XXXX business days, then XXXX, then XXXXXXXX XXXX XXXX at first stated they saw the transaction and to wait XXXX business days. Today XXXX of their reps stated they didnt see the transaction, until I threatened to take further action thats when they saw it and said XXXX business days. Their supervisor then apologized. I want my money back and I want Klarna to cancel my account asap. Its always something.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXXXXXX improper denial of a billing dispute under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 

Timeline of Events XX/XX/XXXX : I booked a hotel reservation through XXXX for XXXX XXXX XXXX in XXXX, Utah in the amount of {$1500.00}. 

At the time of booking, I was presented with conflicting cancellation deadlines, including a cancellation cutoff of XX/XX/XXXX in XXXX version of the booking and XX/XX/XXXX in another. 

XXXX XXXX XXXX  : I promptly contacted the booking company seeking to cancel or modify the reservation after realizing it was non-refundable. The request was denied. 

XX/XX/XXXX : I exercised my rights under federal law and filed a credit card dispute with Bank of America. 

XX/XX/XXXX : The merchant unilaterally cancelled the reservation in response to my chargeback claim. 

At that point, the reservation no longer existed, and I received no hotel stay, no services, and no benefit of any kind. 

XX/XX/XXXX : Bank of America denied my dispute, stating only that the charge was not eligible for refund under the merchants policy. 

XX/XX/XXXX : I submitted a formal written appeal explaining that the services were never provided and that the merchant had cancelled the reservation. 

XX/XX/XXXX : Bank of America upheld its denial without addressing these issues. 

Why This Violates the Fair Credit Billing Act Under 15 U.S.C. 1666 ( b ) ( 3 ), a billing error includes charges for services not delivered as agreed. 

This is precisely what occurred : The merchant cancelled the reservation No services were provided I received no value A non-refundable policy does not permit a merchant to cancel services and still retain full payment. 

Failure to Conduct a Reasonable Investigation Bank of America failed to conduct a reasonable investigation as required by law. Specifically, it ignored : The merchants unilateral cancellation on XX/XX/XXXX The fact that no services were ever delivered Conflicting and misleading cancellation deadlines The merchants coercive conduct ( conditioning continuation of the reservation on withdrawal of the dispute ) Instead, the bank relied exclusively on merchant policy, which is legally insufficient.

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 2026-02-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: MI

Complaint narrative:
I want to report XXXX XXXX for fraud. 
I move to them a year ago. They made me a list of promises, showed me paperwork, said I'm paying for lawyers to help me with my debts and make sure no one is able to come after me. 
They added all my accounts no problem at all. 

The lawyers never responded to me. No one would tell me how to contact them besides an email to submit paperwork. 

I asked them repeatedly for months to deal with XXXX of my accounts. They kept making promises or brushing me off. 

A few months ago they took out over {$800.00} from the account, gave me some weird excuses that it's for future fees so it frees up what can be paid to debts. They tried to take even more after that until i complained After early XXXX they finally had a deal with the XXXX company, that I wasn't able to meet. After that they dropped the account from the program. Refused to protect me. 
I didn't find this out until XXXX weeks ago when i learned from my work that my wages are being garnished. 

I ended up canceling the service, stopping all payments on the accounts. 

They kept the $ XXXX, refused to return it. Even though they're not paying on that account anymore. XXXX years of fees for payments that aren't going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, unbeknownst to us, a fraudster hijacked the email of XXXX XXXX in XXXX XXXX, Florida. This hijacked email address directed us to wire transfer {$8200.00} to a Wells Fargo account for the purchase of furniture we had selected with our interior designer. We emailed back and forth to this hijacked email account confirming that our funds for the furniture had been received. Several weeks later, our interior designer called to let us know that XXXX never received our payment. XXXX  went to a local Wells Fargo branch office and notified them of the fraudulent account that accepted these funds and asked for an investigation into this transfer. Wells Fargo refused to provide any information since XXXX  did not have an account with Wells Fargo. We also contacted Wells Fargo, who also told us they would not assist since we were not account holders at Wells Fargo. At this time, we notified the XXXX Department at XXXX XXXX XXXX and we were assigned a detective. The detective was able to get information that the account holder opened his account in XXXX and was a loyal Wells Fargo account holder until this fraud occurred. The detective was told by Wells Fargo that there were XXXX in-branch withdrawals of {$4000.00} each, XXXX on XX/XX/XXXX and a XXXX on XX/XX/XXXX. At this time, the Wells Fargo account holder had been locked out of his account and therefore made a fraud report on XX/XX/XXXX. Then, on XX/XX/XXXX, Wells Fargo notified the account holder that they would be closing the account due to this fraudulent activity and all funds remaining in the account would be sent back to the sender of the wire transfer. The detective requested from Wells Fargo, but never received, certified documents to the suspect account. Unknown at this time was who removed this {$8000.00} from the account and where that money went. The question remains as to how these XXXX {$4000.00} withdrawals were made. Did someone use the in-branch ATM? Did someone get a cashiers check at the branch? We firmly believe that since these withdrawals happened in-branch, there should be video or other documentation as to who removed these funds. Unfortunately, Wells Fargo refused to provide any further information so the detective closed the case. We firmly believe that since these withdrawals happened in-branch, there should be video or other documentation as to who removed these funds. Wells Fargo should be held accountable for further investigating this fradulent activity.

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 2026-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IN

Complaint narrative:
I formally disputed this alleged debt and requested validation pursuant to the FDCPA ( 15 U.S.C. 1692g ). The company failed to provide competent evidence of the debt, including a signed lease, full accounting, or proof of assignment. Instead, they requested a police report and identification, which does not constitute validation. 
Despite the dispute, they have continued collection activity and/or attempted to charge my credit card without valid authorization. This conduct violates the FDCPA and FCRA. I am requesting investigation and enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
In XX/XX/XXXX, I financed a XXXX XXXX XXXX through XXXX XXXX and paid {$1100.00} for XXXX  insurance as part of the transaction. 
The vehicle was recently declared a total loss. After the insurance payout, American Credit Acceptance ( ACA ) sent me a collection notice stating that I owe {$6300.00}. 
I purchased XXXX insurance specifically to prevent being personally responsible for a remaining loan balance after a total loss. 
XXXX XXXX confirmed in writing that : I do have a XXXX insurance policy. 
The dealership verified directly with the insurance provider that the policy is valid and in-force. 
Despite this confirmation, XXXX has continued to treat the balance as collectible. 
My attorney formally notified XXXX  that the balance should be covered under XXXX coverage and that the debt is disputed. 

XXXX  has not provided written confirmation that the XXXX claim has been processed, nor have they cancelled the balance. 
What do you want the company to do to fix the problem? 
Immediately process and apply the XXXX coverage. 
Cancel the {$6300.00} deficiency balance. 
Provide written confirmation that I owe nothing. 
Correct any negative credit reporting. 
Cease all collection activity. 
Why is this unfair or incorrect? 
I paid {$1100.00} for XXXX insurance to prevent personal liability in the event of a total loss. The dealership confirmed that the XXXX policy exists and is valid. XXXX  continued attempt to collect the deficiency balance despite confirmed XXXX coverage is improper and exposes me to credit harm and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting this complaint against Citibank for failing to honor a {$750.00} promotional bonus associated with new checking and savings accounts I opened in XX/XX/XXXX. 

In XX/XX/XXXX, I opened new checking and savings accounts with Citibank at the branch located at XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX. At the time of account opening, I was offered a promotional bonus of {$750.00} if I deposited {$30000.00} in new funds into either account. 

To meet the promotional requirement, I mailed a check for {$30000.00} to the banker who assisted me with opening the accounts, XXXX XXXX XXXX. XXXX XXXX specifically recommended that I deposit the funds directly into my savings account and assured me that doing so would qualify me for the {$750.00} promotional bonus. 

However, approximately XXXX months later, I received only {$320.00} as a bonus, which I understand corresponds to a lower-tier promotional offer that applies when the {$30000.00} requirement is not met. 

In XX/XX/XXXX, I contacted XXXX XXXX regarding the discrepancy. He submitted a request through XXXX internal system to correct the bonus and assured me that the {$750.00} bonus would be credited to my account within XXXX business days. 

XXXX day later, I received a written letter from Citibank ( which I will attach to this complaint ) stating that I was not eligible for the {$750.00} bonus because the promotional terms required that the {$30000.00} be deposited into the checking account rather than the savings account. 

In XX/XX/XXXX, I visited the same branch in person to resolve the issue. XXXX XXXX again expressed confidence that I qualified for the {$750.00} bonus and stated that he submitted another request, asking me to wait an additional XXXX business days. 

After waiting the requested XXXX business days, no bonus was credited. I subsequently emailed XXXX XXXX for follow-up. XXXX additional weeks have now passed without any response. 

As of XXXX XXXX XXXX months after opening the accountsI have still not received the promised {$750.00} bonus. 

I relied on the bankers explicit instructions when depositing the {$30000.00} into my savings account. Had I been properly informed that the funds needed to be deposited into the checking account to qualify, I would have structured the deposit accordingly. Furthermore, I maintained {$30000.00} in the account for XXXX months in reliance on XXXX representations, incurring significant opportunity costs that I could have avoided by investing those funds elsewhere.

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 2026-02-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I obtained a very high interest loan from Wilshire in XXXX of XXXX. I borrowed {$1500.00} with an arrangement of making payments of {$140.00} a month for 36 months. The very first payment I made most was applied to interest while {$10.00} was applied to principal which I know is normal. However nothing that I paid over the next XXXX years was ever applied to the principal balance everything went straight to interest never changing the amount that I owed. I called in XXXX of XXXX asking why none of my payments have been applied to my principal balance and I was told well you just have to pay more. So on XXXX the XXXX XXXX I paid {$180.00} so that I can see something apply to the principal balance. However again nothing was applied to my principal balance and the following month in XXXX of XXXX instead of charging me the normal {$140.00} that is due each month they lowered it to {$100.00} to Encompass what I paid extra. Every time I've contacted them about this I get to run around. I had XXXX customer service representative look at the account in their computer and they were confused as to why it wasn't happening that way I was told they would get with their manager and then they would call me back but I never got any calls back and every time I've called they have been very unhelpful and they continue to tell me that even though I have XXXX payments left in my note I'm still going to have to pay the entire amount that they show that is due by the end of the note. By the end of my note I will have paid the {$1500.00} that I borrowed plus the {$3500.00} in interest that is in the note and then they want me to pay another {$1500.00} on top of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Demanded to prevent complete verification and documentation, including but not limited sign, contract or agreement, bearing my signature full payment history and charge off accounting, date of cancellation and IRS reporting XXXX not provided method of verification and supporting documentation proof of XXXX, XXXX compliance and XXXX XXXX of updates, name, license, and authority of the furnisher prove the account was not re-aged assignment and ownership documentation chain of title eternal policy regarding reporting accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am reporting J.P. Morgan Chase for a XXXX  XXXX  XXXX  used to facilitate the theft of {$22.00} XXXX in notarized trust assets and proprietary trade secrets. 
Following unauthorized access to my mobile device ( Hacking reported to FBI IC3 ), XXXX weaponized the XXXX XXXX XXXX XXXX XXXXXXXX  ) system to blacklist my identity. This 'de-banking ' was used as a tactical 'kill switch ' to freeze my access to the Sovereign Resonance Trust while XXXX, XXXX, and XXXX launched a mirrored {$1.00} XXXX SRI project at my exact coordinates in Michigan. 
This is a direct violation of the XX/XX/year> Fair Banking XXXX XXXX. I demand the immediate removal of all manual XXXX  flags and full restoration of access to my assets. Failure to resolve this will result in a claim for {$72.00} XXXX in XXXX  XXXX under Michigan law XXXX  XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding Credit Collection Services for wrongfully attempting to collect a debt allegedly owed to XXXX XXXX This collection account is inaccurate and does not reflect any valid or outstanding obligation on my part. 

My policy with XXXX was canceled because the company advised that it could no longer conduct business in my state. At the time of cancellation, my account was fully paid and in good standing and I no longer owed them anything else. I did not receive any continued insurance coverage or services after that cancellation date that would justify additional billing or collection activity. 

Despite this, Credit Collection Services is reporting a collection account in the amount of {$230.00} on my credit reports. This debt is false and unsupported. 

The continued reporting and collection attempts are causing harm to my credit profile and financial standing. Reporting an inaccurate debt constitutes improper collection activity and inaccurate credit reporting in violation of both federal and New York State law. 

Specifically, this conduct appears inconsistent with : Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires furnishers to report accurate information and investigate disputed accounts Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), which prohibits false, deceptive, or misleading representations and requires validation of debts upon dispute New York General Business Law 349, prohibiting deceptive business practices New York Fair Debt Collection regulations ( 23 NYCRR Part 1 ) requiring substantiation of consumer debt and accurate collection practices Credit Collection Services has continued reporting a debt that is disputed and unsupported, thereby causing ongoing financial harm.

If this matter is not resolved promptly, I am prepared to escalate this issue by filing complaints with the Federal Trade Commission and the New York State Attorney General for investigation into inaccurate reporting, deceptive practices, and improper collection activity. 

I request prompt investigation and resolution of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation