vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to escalate an ongoing issue regarding my newly approved Capital One Savor account. Upon approval, my account was immediately restricted by the automated security system. I promptly uploaded the requested documents ( my ID and bank statements ) to verify my identity and restore access. I have contacted customer service six times, including speaking with a supervisor. However, I am repeatedly told to wait 10 business days, with no agent willing or able to verify if my documents are legible or to initiate a manual review. Being caught in this automated loop without actual human support is an unacceptable experience for a new customer. I request that a specialist from the Executive Office or the Back Office manually review my uploaded documents and lift the restriction on my account immediately. My identifying information is as follows to locate my file : Full Name : XXXX XXXX XXXX Last 4 digits of XXXX ZIP Code : XXXX Phone Number : XXXX Email Address : XXXX I expect a prompt resolution and look forward to hearing from your office. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: AZ

Complaint narrative:
I made a purchase from XXXX I sent a product back and the sent my refund in the XXXX XX/XX/year> back to my cash app account. So, I wait a couple days for cash app to make my funds available because the refund has already posted. I contact support within the app and the next day the refund was reflected in my balance. I used my card to pump XXXX in gas at a XXXX XXXX the next day there was no cash balance in my account. Once again .. asking customer service whats going on. I believe this is retaliation for me taking the {$5000.00} out of my selling all my stocks and changing my direct deposit after cash app decided to charge me ATM fees. I contacted them before the XXXX transaction about the charging me ATM fees which they have never done before when you use XXXX XXXX ATM. I have been with Cash app for about 6-7 years now and it felt like them trying to scam me out of money any way they could. So, customer service babbled about my XXXX status : that when you direct deposit certain amount of money every month. I get weekly pay so not only did I transfer the XXXX I took XXXX out my checking. I no longer direct deposit with them so now I have a problem with my refund. They tried to say the refund is on my debit card but that's linked to my checking account so why is there no cash showing. Its a big XXXX run around I want my money before I close my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have two interest charges on my credit card account {$26.00} in XX/XX/year> and {$28.00} in XX/XX/year>, totaling {$55.00}. I was not clearly informed about the interest terms when I signed up and did not realize interest would be applied until I saw the charges on my statement. On XX/XX/year>, I contacted Bank of America customer service by phone to request a one-time courtesy waiver for these interest charges. The representative refused to remove the charges and said they could not be cancelled. I was not given a clear explanation of why the interest was charged or how it was calculated. I believe the interest terms were not adequately disclosed to me at the time of application. I am requesting a one-time courtesy waiver for the total interest charges of {$55.00}.

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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XXXXagainst JPMorgan Chase Bank regarding a credit card application and handling of my personal documents.\n\nAbout a month ago, I applied for a credit card online from Chase. A few days later, I received a letter informing me that my application had been denied due to suspected fraud.\n\nAs soon as I received this notice, I went in person to a Chase branch in XXXX XXXX XXXX XXXX XXXX XXXX XXXX) where a bank representative helped me resubmit the necessary documents.\n\nI followed the instructions and called the number provided (XXXX. During the call, they asked me to resend my documents via email, which I did carefully, making sure that all documents were legible and complete. These included my ID, Social Security number, green card, and a recent XXXX bill.\n\nThey told me to call back within 48 hours, which I did. However, I was then informed that my documents were not visible in their system and was instructed to resubmit everything. I complied with the request.\n\nThis process was repeated several times. Each time I followed the instructions exactly. I even asked if resubmitting the documents would cause any inconvenience and was assured that it would not.\n\nDespite this, I continued to receive letters requesting the same documents and ended up receiving conflicting letters one requesting documents and the other stating that my application had been rejected due to suspected fraud.\n\nAround XXXX XXXX XXXX I contacted the branch again and was told that they could not help me any further, but again I was given a phone number XXXX XXXX XXXX XXXX XXXX which I of course called, unfortunately without success.\n\nAs a result of this situation, my credit score has dropped significantly, from approximately XXXX XXXX XXXX I believe that the multiple credit checks and the improper handling of my application may have contributed to this damage.\n\nI feel that I have been treated unfairly, my time has been wasted, and my personal, sensitive documents have been repeatedly requested without proper handling or resolution.\n\nI am requesting the following:\n\n- A clear explanation of what happened to my application\n\n- Confirmation of how my documents were handled and whether they are secure\n\n- Correction of the negative impact on my credit report that this process has caused\n\n- Proper processing of my application or official clarification of the denial\n\nThank you for your attention to this matter.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OH

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, my U.S. Bank checking account ending in XXXX was subjected to a high volume of disputed electronic fund transfers involving XXXX and XXXX. I promptly reported the activity as unauthorized and submitted evidence of account compromise, including XXXX security restrictions, password reset activity, suspicious login alerts, an FTC Identity Theft Report, and a police report. U.S. Bank issued partial provisional credit on some transactions but denied the majority. In written responses dated XX/XX/year> and XX/XX/year>, U.S. Bank stated that the transactions were authorized based on account history, location, and pattern of use. On or around XX/XX/year>, I submitted additional fraud claims regarding further unauthorized transactions on the same debit card ending in XXXX. By XX/XX/year>, the majority of these new claims had already been marked Resolved in the U.S. Bank mobile app, with no provisional credit issued and no detailed explanation provided. U.S. Banks own prior responses state that it placed a hold on my savings account due to an alert for unusual activity and began closing procedures due to suspected irregular activity. At the same time, U.S. Bank has maintained that the disputed transactions were consistent with my normal account history and pattern of use. U.S. Banks position appears internally inconsistent. In prior responses, U.S. Bank concluded the disputed transactions were authorized and consistent with my account history and pattern of use. However, U.S. Bank also states that the same activity generated unusual activity alerts, resulted in account restrictions, and ultimately led to account closure procedures due to suspected irregular activity. If the activity was sufficiently unusual to justify fraud monitoring actions and account closure procedures, U.S. Bank should explain how the same activity was simultaneously deemed sufficiently consistent with my normal behavior to support a finding of authorization. U.S. Bank has still not identified a single transaction-specific fact demonstrating that I personally initiated any disputed transaction. Instead, its responses rely on generalized references to account history, location, and pattern of use without identifying the specific evidence linking me to any individual disputed transaction. U.S. Banks responses identify conclusions, but not the underlying facts supporting those conclusions. By resolving the most recent claims within approximately one to two days, U.S. Bank has not explained what investigative steps were actually performed, what transaction-specific evidence was reviewed, whether merchant or authentication records were obtained, or how evidence of prior account compromise was incorporated into the determination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am disputing this collection account because the company has failed to properly validate the alleged debt and prove it has the legal right to collect it. I sent multiple written disputes requesting full debt validation, proof of ownership/chain of title, the original signed agreement, complete account history, and documentation showing the amount claimed is accurate. The company only responded with generic account statements and failed to provide the specific documentation requested. They did not provide sufficient proof that they legally own the debt or have standing to collect it. Despite my disputes, they continue attempting to collect the debt and continue reporting the account, which has negatively affected my credit. I believe the investigation performed was incomplete and inadequate because my requests for validation and proof of legal ownership were not properly addressed. I am requesting that the company provide full legal validation of the debt or cease collection activity and correct any inaccurate reporting.

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 2026-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
When I logged into my American Express account online, I was presented with an Offer to earn a {$500.00} bonus for opening an American Express High-Yield Savings Account by XX/XX/year>, depositing {$25000.00} within 30 days of account opening, and then maintaining that balance for 60 days, with the {$500.00} to be deposited within 8-12 weeks of depositing the required funds. While logged into my American Express account, I clicked the Offer link and opened the account on or before XX/XX/year> and subsequently deposited the full {$25000.00} by XX/XX/year>. on XX/XX/year> I contacted American Express to inquire as to why I had not received my bonus and was told that I was not eligible for the bonus since I did not open the account using a link or an offer code. However, this is false as I DID open the account using the Link that appeared as an Offer within my online account, and I fulfilled all the requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Amex wrote me a bad check that was a refund to a credit balance I had on my account. I requested they fix it because it negatively impacted my checking account. I was charge fees for the bad check that Amex wrote me. They did not fix it and suggested that I wait a week for it to go into a review process to get fixed. This has now put a financial burden on me. This happened on XX/XX/year>. Amex has done nothing but submit for internal review. They wont help me or give me any info.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
I made a large payment to Avant credit card on XX/XX/year>, it is still not reflected in my available balance!!! And it cleared my bank on XXXX XXXX. I have several credit cards, and have NEVER, EVER HAD A COMPANY PULL A STUNT LIKE THIS BEFORE!! AND I ALSO DEMANDTHAT THIS PAYMENT BE REPORTED TO THE CREDIT BUREAUS BY XX/XX/XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kikoff Inc.
State: FL

Complaint narrative:
am disputing the reporting of a Kikoff account that appears on my credit report. The account is being reported with a balance of {$380.00} and a status of 120 days late. According to my credit report, the account was opened on XX/XX/XXXX, and was last reported on XX/XX/XXXX. I have requested that the credit reporting agencies investigate and verify the accuracy of this information. At this time, I have not received sufficient documentation demonstrating that the reported balance, payment history, and delinquency status are accurate and complete. I am requesting that the company provide documentation supporting the account information being reported, including the balance, payment history, and any late-payment reporting. If the information can not be verified, I request that it be corrected or removed from my credit report. I am seeking a fair resolution and accurate reporting of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
This debt is currently under active litigation in XXXX XXXX XXXX XXXX in Georgia. This is my eighth complaint regarding this same debt. Aldous & Associates has now provided multiple contradictory statements across multiple CFPB complaints. In earlier complaints, they repeatedly stated that the debt was validated and owed, and closed out my reports without providing any legally required validation. In the most recent complaint, they reversed their position and now claim they are investigating with the original creditor, which directly contradicts their prior statements to this federal agency. They continue to respond with boilerplate language, fail to provide validation, fail to address the violations I identified, and improperly close out complaints without resolving the issues. This is now a documented pattern of contradictory, evasive, and nonresponsive behavior. Nothing they have provided to me is full validation under 15 USC 1692g. As stated earlier, this is my eighth time asking for validation. Aldous & Associates has repeatedly asserted that the debt is valid and owing ( see attached reports ) while simultaneously refusing to provide any of the legally required documentation ( movein inspection, moveout inspection, itemized list, invoices, receipts, or the statutory 5day notice ). They previously claimed they mailed validation to my address, but full validation was not received. Theyve claimed now that theyve reached out to the original creditor multiple times and yet still have yet to produce legally valid documentation. This is a pattern of misrepresentation and noncompliance. Again, this debt is currently under active litigation in XXXX XXXX XXXX XXXX. I have attached as proof : The affidavit of service in my case The Statement of Claim in the same case The prior CFPB responses showing repeated nonresponses This is a clear pattern of : Failure to validate Misrepresentation of mailing Stalling instead of validating Ignoring litigation Asserting validity without documentation Responses from the company will be used as evidence in the lawsuit I filed against the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
NOTICE OF DISPUTE, REQUEST FOR VALIDATION, AND CEASE COMMUNICATION To Whom It May Concern, I am writing regarding the above-referenced account. I dispute this alleged debt and request full validation pursuant to my rights under federal law. Please provide documentation supporting your claim, including but not limited to : * The amount of the alleged debt * The name of the original creditor * Documentation showing that I am legally obligated for this debt * A complete payment and account history * Documentation showing your authority to collect this debt Until proper validation is provided, I request that all collection activity cease. Additionally, I hereby request that you cease communication with me regarding this matter except as allowed by law, including providing any required legal notices or validation documents. Please do not contact me by telephone, text message, or electronic means. Any future communication should be made in writing only. This letter is not an acknowledgment, admission, or acceptance of liability for the alleged debt and shall not be construed as such. Please note that I am keeping records of all communications regarding this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am submitting a complaint regarding a brokerage account transfer issue involving SoFi and XXXX that has resulted in account restrictions, negative balances, and inability to access or correct my investment account. On or around XX/XX/year>, I initiated a stock transfer from my XXXX brokerage account to my SoFi brokerage account through SoFis platform. During processing, the transfer appears to have been duplicated or processed incorrectly, causing approximately twice the amount of shares to be transferred from my XXXX account. The securities involved included : * XXXX XXXX ( XXXX ) XXXX shares * XXXX XXXX ( XXXX ) XXXX shares * XXXX XXXX XXXX XXXX ) XXXX shares * XXXX ( XXXX ) XXXX shares * XXXX XXXX XXXX ) XXXX shares * XXXX XXXX XXXX XXXX XXXX XXXX shares * XXXX XXXX XXXX XXXX XXXX XXXX shares * XXXX XXXX ( XXXX ) XXXX shares As a result of this issue : * My XXXX account now reflects negative balances and/or negative positions * My XXXX account has been restricted * I am unable to transfer assets back to resolve the issue * I have contacted both SoFi and XXXX customer support multiple times without resolution * SoFi advised they could not assist despite the transfer being initiated through their platform * Neither company has provided a clear timeline or ownership for resolving the issue This situation has caused significant stress and concern regarding my investments, account access, and potential financial harm resulting from what appears to be an operational or transfer processing error. I am requesting : 1. Immediate investigation of the duplicate transfer issue XXXX. Coordination between SoFi and XXXX to correct the transfer records XXXX. Removal of improper account restrictions XXXX. Restoration of accurate balances and positions XXXX. Written communication regarding the resolution process and timeline I am willing to provide supporting screenshots, account statements, transfer confirmations, and communication records upon request. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LoanCare, LLC
State: MN

Complaint narrative:
In XXXX of XXXX. I called to speak with agent to gave the PMI removed from my account due to having above 20 % equity. Told they would have someone look into it. I did receive notification it was been looked at. Called on XX/XX/XXXX, agent stated a letter was sent. I did not receive. Told me it could not be removed until XXXX. I did tell her I was above having 20 % equity and I wanted it removed and a refund for all months I was charged while I was at the 20 % threshold. For 30 minutes I was placed on a ( brief hold ) while she went back and forth with someone. I do not believe she worked in the PMI department. She was more reading from script. I finally had enough and told her to file her report with who ever she need to and I was filing a report with consumer finance.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Name Reported : XXXX XXXX XXXX Email Associated : XXXX Address Associated : XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth Associated : XX/XX/1981 Phone Number Associated : ( XXXX ) XXXX I dispute the reporting and association of the above personal information with my consumer report and Financial account. I do not recognize this information as belonging to me, and I believe it has been inac associated with my credit profile. his intormation appears to be incorrect, mixed with another consumer 's tile am requesting an immediate investigation and removal of any inaccurate information from my consumer accordance with the Fair Credit Reporting Act ( FCRA ). Please provide : The source of this information Any documents used to associate this information with my file The method of verification used Copies of any signed applications or records connecting me to this information If this information can not be fully verified, I request its

Company response to consumer: Closed with explanation