vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have mailed through XXXX XXXX. The amount of the check was {$9500.00}. I called the bank where my friend banks with and provided the check number XXXX from XXXX XXXX before I mailed to Discover bank they stated that there is sufficient funds. This is the XXXX time that Discover bank did this to me and I have been a member for years. They never provide me why they decided to reject the check. Their stupid excuse is alway due to security reasons. I wouldnt mail a check overnight if the check wasnt legit. They have even contacted the bank to see if it was legit. They need to apologize and explain in detail to me on why they declined the check over and over again. This is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kovo
State: SC

Complaint narrative:
I checked my credit file due to being a victim of fraud scam and I noticed a late payment. being reported fora company called KOVO, INC and I have never heard of them and don't. do any. business with them. I contacted the number listed on my credit file and I can not get anyone on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am disputing a XXXX charge-off account reporting on my XXXX credit file. This identical account was removed by XXXX following a CFPB complaint, confirming it can not be verified. XXXX has failed to investigate and correct this inconsistency across bureaus. The continued reporting of an unverifiable account violates FCRA 623 ( a ) ( 8 ) and 611 ( a ) ( 5 ) ( A ). XXXX XXXX removal of the same account is documented proof that this tradeline can not be substantiated. XXXX has produced zero verified documentation supporting continued reporting on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
b'Back on XXXX XXXX I found out that on my business debit card with Bank Of America with the following account XXXX XXXX XXXX had been lost misused unauthorized activity on the following dates XXXX XXXX XXXX XXXX there were XXXX unauthorized withdrawals that I reported each found XXXX for total of XXXX . Ive yet to even get an provisional credit from bank at all and my card was not in my possession either being XXXX XXXX I did lose my card or being XXXX known for lots of theft via skimming ... I reported this to BOA on XXXX XXXX directly'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
CFPB Subject : Formal Complaint Regarding Unpaid Savings Account Bonus Cash Bonus To whom it may concern : I am filing this complaint because Citizens bank has failed to honor a promotional offer of a {$250.00} cash bonus for a new/existing Savings account, despite my full compliance with the terms and conditions. Timeline of Events : Offer Enrollment : On XX/XX/XXXX I enrolled in the promotion which required a deposit of {$10000.00} until XX/XX/year>. Funding : On XX/XX/XXXX, I deposited exactly {$10.00} into account ending in XXXX Maintenance Period : I maintained a balance above the {$10000.00} threshold for the required XXXX period, ending on XXXX XXXX The Issue : On XXXX XXXX, I contacted the bank to inquire about the missing bonus. I was told : The explanation I received from Citizens was utterly shameful for a reputable institution like Citizens Bank. The representative used a deceptive explanation to deny me my {$250.00} bonus ; she claimed that simply maintaining my {$10000.00} deposit was not sufficientI was required to maintain the exact same previous balance in my savings account, a condition that is nowhere mentioned in the offer. I understand that, bank offers usually have restrictions, limitations and rules. Under NO circumstances Citizens Bank show a rules or a link to follow explaining the rules of this offer. Citizens Banks just limited to show the offer hundreds of times in my instagram account, offering the bonus without any disclosure of rules for this offer. Is a misleading offer. I feel scammed. Evidence of Compliance : I have retained copies of the original offer ( attached ) which clearly states the requirements. My bank statements ( attached ) confirm that the funds remained in the account for the duration of the XXXX holding period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: ShoulderTap Technologies, Inc. d/b/a Fizz
State: CA

Complaint narrative:
CFPB, I am submitting this complaint regarding an incorrect {$100.00} charge that was processed by Fizz, despite the underlying authorization being released by the merchant. On the date in question, I made a legitimate purchase of {$27.00} at XXXX XXXX. That transaction is valid and authorized. Later that same day, I checked into XXXX XXXXXXXX XXXX XXXX XXXX, where a {$100.00} security deposit was placed on my card as a standard authorization hold. This hold was not a finalized charge and was only intended to temporarily reserve funds during my stay. The hotel released the {$100.00} authorization on Saturday, and I have documentation confirming that the deposit was released. Because the authorization was released, the funds should have been returned to my account and should never have been processed as a completed transaction. However, Fizz still drafted {$100.00} from my account. This is incorrect. To be clear : The only valid charge for that day was {$27.00} from XXXX XXXX The {$100.00} hotel deposit was not a completed charge The hotel released the authorization, and I have proof of this Fizzs own system reflects that this amount was refunded, yet the funds were still drafted All other transactions on my Fizz account are valid. The issue is specifically limited to this {$100.00} charge, which should not have been processed under any circumstances. This reflects a failure in how Fizz handles authorization holds and reversals, and it has resulted in an improper debit from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My business bank account with CITIZENS BANK for Passionate Singers & Musicians was unexpectedly closed on XX/XX/year> without any prior notice or explanation. I was not informed in advance that the account would be closed. I only discovered the closure when I visited my local branch to conduct normal business. The branch staff were also unaware at the time and could not provide any explanation. Afterward, I was directed to contact the banks online/phone support. When I spoke with a representative, I was told that the bank does not have to provide a reason for closing an account and that accounts can be closed at any time. No written explanation, notice, or justification was provided. This sudden closure has disrupted my business operations and I am requesting a formal explanation for why the account was closed, as well as confirmation of any remaining funds and how they will be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ascent Holding Co
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding my private student loan account. I am experiencing significant financial hardship and have been unable to obtain meaningful assistance from my loan servicer despite multiple attempts. My current loan balance is {$130000.00} across XXXX education financing products. I have a past due balance of {$3300.00} with a total amount due of {$4400.00} by XX/XX/year>. I contacted my servicer today to request assistance and was denied any meaningful relief. Specifically : XXXX. I have exhausted my forbearance and was denied additional deferment options. XXXX. When I called today to request a hardship-based payment modification or permanent payment restructure based on my income, I was told no such program exists and that the only option available was a {$70.00} reduction per loan which does not reflect my actual financial hardship or ability to pay. XXXX. When I asked to be transferred to a XXXX department, loss mitigation team, or supervisor with authority to offer real modifications, I was told there were no other options available. XXXX. I specifically requested assistance bringing my account current through a structured arrangement rather than a lump sum payment of {$3300.00}, which I can not afford. This request was also denied. XXXX. My servicer has failed to offer any income-based repayment option, interest-only payment plan, extended repayment, or loan modification despite my documented hardship. I am a registered nurse and small business owner. My monthly income does not support the current payment obligation. I am not attempting to avoid my debt I am actively seeking a way to pay something consistently and keep my account in good standing. My servicers unwillingness to offer viable solutions leaves me with no path forward and puts my credit at serious risk through no fault of my own. I am requesting that the CFPB investigate this matter and require my servicer to review my account for all available hardship and modification programs, provide a written explanation of all options available to me, and offer a good faith solution that reflects my current financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX Transunion and XXXX violated my rights as a consumer under 15 USC 1681C-2 and I need these inquires blocked and deleted from my credit report within 4 days of receiving this ftc report under fcra law 605b. Remove address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: TX

Complaint narrative:
I had several online credit charges within minutes of each other on XX/XX/XXXX for several XXXX dollars and Chase hasnt resolved the fraud yet after waiting months for a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally express my concern regarding my inability to contact XXXX by phone. I have attempted to reach multiple departments, including customer service and the corporate office, using my personal phone number. Each time, I receive a recorded message stating that XXXX is unable to take my call. This situation is both concerning and unacceptable. I need to speak with a representative regarding specific charges on my account, and being unable to access support channels prevents me from addressing what may be a time-sensitive financial matter. If my number has been blocked, I respectfully request a clear explanation and immediate resolution so that I can communicate with the appropriate department. Denying access to customer support, especially in matters involving account activity, is unreasonable and does not align with expected standards of customer service. Please advise on how I can promptly reach a representative to resolve this issue. I expect a timely response and a workable solution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Subject : Formal Demand for Compensation Due to Failure to XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally address a serious issue regarding an account managed by Portfolio Recovery Associates , LLC, under account number XXXX. On multiple occasions, I requested a debit validation and purchase agreement related to this collection in order to verify its legitimacy. Despite these requests, the proper documentation was never provided. This failure to furnish the required validation caused significant harm to my credit profile, resulting in substantial damage. Such actions constitute a violation of the Consumer Financial Protection Bureau regulations governing debt collection practices. As a result, I am demanding compensation in the amount of {$1000.00} for this violation. Please consider this communication a formal notice of the issue and my demand for remediation. I trust that the CFPB will take appropriate action to address this matter in accordance with regulatory guidelines. Thank you for your attention to this urgent issue. Sincerely, XXXX XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Minto Financial dba Minto Money
State: NE

Complaint narrative:
My original loan amount was {$2300.00}. After making regular payments for approximately XXXX months, I contacted your company and approved a full payoff of the remaining balance. I was under the clear understanding that this payoff would be processed. However, the payment was never withdrawn from my bank account, and I was not notified of any issue. Since that time, I have continued making payments in good faith. Over the past year, I have paid more than XXXX to the loan and XXXX told I owe {$1800.00}. Of the original XXXX XXXX. This raises serious concerns including failure to process payment an unauthorized payoff, failure to notify me of processing issues, and potentially miss application of payments. Im Requesting a full audit of my account, a completely payment history, correction of my balance, and refund of any overpayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cashapp has been taking fees and also not allowing me to speak to someone XXXX when it comes to customer service & or getting refund or having money STOLEN and not have a way to dispute it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I made a {$2400.00} payment. There was a discrepancy with my bank and the {$2400.00} was returned to my account. I immediately made a {$1000.00} payment. The payment cleared and my account was restricted. I called Capital One today and they informed me my account was closed. The balance does not reflect the {$1000.00} payment. The woman had no explanation to give other than there was suspicious activity and offered to send papers. Which I had access to online. She couldn't explain to me why the {$1000.00} payment has been sitting in limbo on my account and not being reflected to the balance owed. I am concerned that this is going to negatively impact my credit score. I have held this account in good standing for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am filing a complaint regarding a debt collection issue. I requested validation of an alleged debt from the collector, but they have failed to provide sufficient documentation to verify that the debt is valid and that I am legally obligated to pay it. Despite my request, the collector continues collection efforts and/or reporting this debt to credit bureaus without proper validation. This is concerning and may be a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that the debt collector provide proper validation of the debt or cease collection activities and remove any inaccurate information from my credit report. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am filing a complaint against Webster Bank regarding the closure of my bank account and their failure to return my remaining balance. My account was closed approximately XXXX ( XXXX ) months ago. Since then, Webster Bank has continued to withhold the funds that were in the account at the time of closure. Despite multiple attempts to contact the bank by phone and/or email, I have not received a clear explanation for the delay or a definite timeline for when my funds will be released. I have requested the return of my remaining balance on several occasions, but the bank has failed to resolve this issue. As of today, I am still unable to access my money. This prolonged delay is unreasonable and has caused me significant financial inconvenience. I am requesting that Webster Bank : I did a transfer from my account ( ending XXXX ) to a bank account generated by crypto.com which is XXXX XXXX XXXXXXXX XXXX checking was been flagged as fraud and a hold placed. This was a legitimate small trial deposit i initiated. Ive attached : screenshot of the crypto app showing the generated account in my name, confirmation that the app received the deposit, my bank transaction ID, and a photo ID. Please escalate for manual review and let me know next steps and estimated timing but still they never reciprocated I am prepared to provide any necessary identification or documentation to verify my identity and ownership of the account. I respectfully request that this matter be investigated and resolved as soon as possible. Here is the account number and full information of the account : Account Number and routine Name : XXXX XXXX Account number : XXXX Routine : XXXX Bank : Webster bank Amount : {$9300.00} Your swift response will be so much appreciated Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I was induced through false representations to send {$900.00} by XXXX for XXXX XXXX XXXXXXXX XXXX XXXX tickets that were never delivered. The seller represented on XXXX that the tickets existed, provided screenshots that appeared to show the tickets, negotiated the sale price to {$900.00}, and stated that the tickets were ready to be transferred immediately after payment. Relying on those representations, I sent the payment on XX/XX/year>. After receiving the funds, the seller did not transfer any tickets and instead gave shifting and contradictory explanations about payment processing and enrollment status, while attempting to move the transaction to other payment methods. I reported the matter to my bank on the next business day the claims office was open, and a claim was opened. The following day, I faxed a written support packet with screenshots, transaction proof, and a full timeline showing why this was a fraud-induced payment. On XX/XX/year>, the bank denied the claim on the basis that the transfer was completed according to the instructions provided and that no error occurred. My complaint is that the bank did not fairly evaluate the fraudulent inducement and instead treated the matter only as an authorized transfer. I am seeking a reinvestigation and review of the evidence showing that the payment was obtained through deception.

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