vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
Robinhood placed an administrative hold on my account despite sufficient funds being available. This internal hold caused valid payments to be returned. Robinhood then charged me approximately {$190.00} in 'Payment Returned Fees ' for these failures caused by their own restriction. When I asked for a refund, they admitted the fees could be reversed but refused to do so until I paid off the entire account balance. This is an unfair practice : holding my refund hostage to collect a debt that was exacerbated by their own errors. Dates are XX/XX/XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Flexible Finance, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I contacted Flex to resolve an account that had been incorrectly associated with my XXXX sons name. I confirmed with Flex support that the account was already canceled and requested permanent deletion so I could create a new account under my own name. 

Between XX/XX/XXXX and XXXX, XXXX, Flex support instructed me to delete the account and associated data through the app. It indicated that I would then be able to reapply using my own information. At no point was I informed that deleting the account would permanently block my SSN from future use. 

I followed Flexs instructions and completed the account deletion recently. 

On XXXX XXXX XXXX after attempting to create a new account, Flex support informed me that because my SSN had previously been associated with the deleted account, their system permanently prevents me from creating a new account. A Flex support agent explicitly acknowledged in writing that this critical consequence was not disclosed to me when I was instructed to delete the account. 

As a result, I was misled into taking an irreversible action that permanently denied me access to Flexs financial product. Flex admitted the failure to disclose but offered no remediation or alternative solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I took advantage of an offer of 0 % balance transfer offer mailed to me in 2023 with an upfront 3 % one time fee. The total borrowed was {$10000.00}. I tried to find an option using their app to select automatic minimum payments for the promotional time and planned on paying the remaining balance when promotion ended. Couldnt find an option to do so, so I set up monthly payments of 1 % manually for 11 months with the final payment of total money borrowed plus 3 % minus payments made as 12th payment. This should have fulfilled my obligation, but they had added fees that after 12 months had me between 0 and {$100.00} short. After marking me as delinquent for 2 months, they contacted me in a debt collection capacity. They never explained fees when asked. I asked for an accounting and waived fees, as my stated position was that it was their error. They denied fault, wouldnt work with me so I paid them so I wouldnt have any more late payments reported. I have tried with reporting agencies to have derogatory marks removed with no sanction so far.

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 2026-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo is sending notices that my Homeowners Insurance was " cancelled '' and is trying to bill me for " replacement insurance ''. In XXXX I had replaced my insurance and repeatedly notified Wells Fargo ( both myself and the New Insurance Provider ) that I had a new Insurance policy ( provided them with both the cover page and summary page so that they could confirm with the insurance company directly. Yet I still keep getting these belligerent notices and attempts to open fraudulent duplicative coverage. 

I reached out to Wells Fargo via their website and did receive confirmation that they had the new policy. But they are still continuing to harass me with further demands based on a claim that my insurance was " cancelled ''. I tried to call them via phone on multiple cases, but merely spent hours waiting on the line and could not get to an actual representative. 

I understand that Wells Fargo is looking for excuses to get rid of mortgages that are under 3 %, even when they have always been current on all payments. I also believe that this is a case of elder discrimination that is specifically targeting me as a senior citizen homeowner.

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 2026-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
received newsletter from CHFA about mortgage modifications with trouble making payments. Applied for a modification. Sent documents. Correspondence came from the. their loan servicing center.

Final document said i had options under other. However, there were no options available. We were misled to believe that they were going to help, however all we received was pencil whipped documents denying our application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I went to the chase bank on XXXX XXXX XXXX Ca my employer banks with chase but I dont but I do cash my check at this location and XXXX XXXX XXXX then deposit the funds with my bank just so that my bank doesnt put a hold on the check. I went in a teller name XXXX helped me I seen he was having trouble cashing my check so I started asking what is going on. He could XXXX answer my question he asked someone else to help him so she did then she said have you cashed a check here before and I said many times why and she said maybe you should go to that XXXX XXXX location to cash the check but I continued to ask why its a chase bank check I shouldnt have to go over there I want to know why well I asked for the bank XXXX to see if she can explain it to me and she came with a aggressive hostile tone and said you dont bank with us your employer does we dont need to cash your check bc we dont have to you bank with XXXX XXXX XXXX take your check there. STILL NOT TELLING ME WHY SHE CANT CASH MY CHECK. So at the end she not only treated me with disrespect but treated me as if I was trying to cash a fraudulent check. I am my bosses assistant I do cash drops of XXXX along with cashing my check. Not only is my complaint against that branch XXXX but all the employees at the branch as well the teller that was trying to help me XXXX was struggling with trying to help me he asked XXXX coworkers and they figured the conversation they were having was more important than helping the coworker that was struggling. 

I still want answers as to why they couldnt cash my check but I also want to state that if something isnt done my regular branch on XXXX XXXX is closing their location XXXX XXXX is the nearest location to my employers office if this treatment continues I can then advice my employer the hostile treatment Im enduring at this location to maybe switch banks. I really didnt appreciate being treated that way and demand an apology

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Citibank reversed the payment without any prior notification or explanation to me. As a direct result of this reversal, my account became past due, and Citibank assessed a late fee of {$41.00}. 
I have attached a screenshot showing evidence of the original payment posting and the subsequent reversal. This reversal appears to have been initiated by Citibank, leading to an unfair late fee that I should not have incurred since I took action to make the payment on time.

I previously attempted to resolve this directly with Citibank customer service but was unable to get the late fee waived or the reversal explained/reversed satisfactorily. I am requesting that Citibank remove the late fee, correct any negative reporting to credit bureaus if applicable, and provide a full explanation for why the payment was reversed.

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 2026-01-31 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: Kriya Capital, LLC
State: IL

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collections activities and provide proper validation when requested in writing within 30 days of initial contact. The accounts I've referenced aren't 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect-you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Net Pay Advance, Inc.

Complaint narrative:
I am writing to report an unauthorized payday loan opened in my name by NetPay Advance. I did not apply for, authorize, or receive any funds from this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
I am in dire straits. I had been applying for loans online when XXXX XXXX reached out to me with an approval. They said that they needed to verify account. To do this they deposited {$500.00} into each of my accounts. I was then directed to send {$1400.00} back to them via a barcode at XXXX XXXX. I did so. The next day the loan funds were not in my account. I called them and they stated that they had to increase my credit score and now recertification of my identity had to be be. The same procession the day before ( XX/XX/year> ) was followed. I called them a while later and no one answered the phone. I immediately notified my bank. I was told by my bank that XXXX could still hold me responsible for these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I have already alerted the credit bureaus about my identity being stolen through many different means. This is my XXXX time writing this so it would be better to call me. This has effected my life in many different ways. This person filed taxes in XXXX, and tried in 2024. My phone was stolen in XXXX and then I got it back later on. I found all these quick cash websites where they tried to get loans.they know my social and somehow logged into my bank. I had my account closed 2 times for fraudulent activity. This person or persons tried to get into my new phone number when I reset my phone. The XXXX didn't understand. It said tried to login too many times with wrong password. So they were trying to get into my phone multiple times again. I had to call the credit bureaus as there were XXXX or XXXX occasions where they did hard pulls on my credit where I didn't recognize the activity. XXXX  and experion have all disputed and will delete this activity because it wasn't me. My ID was used many times and I'm still finding them day by day I now have id theft software to tell me if someone has used my identity again. This person stole my mother 's, my dad 's, and my money. Then my sister calls me and says I did this and I did that. First of all I don't recall any of which she is saying. It wasn't me. I think when someone stole my phone. They put some kind of phishing app on my phone. I've been working with my carrier. Changed my number and did a hard reset. Now it's saying my password was typed in wrong too many times after I reset my phone and changed my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
A person called my employer, and family members leaving request for me to call them. They said they were a third party debt collector for The Cash Store. They are demanding payment, credit card number or say I will be served papers for court. Ive never received anything by mail from them. They are very aggressive and said they will call everyone in my family and keep calling my employer after I requested not. I called the cash store and they said that their company had received emails about these scammers calling themselves The XXXX XXXX. They told me that this was not the cash store debt collectors and to not give them any money. I want these people stopped from calling my employer and family. It is illegal of them and harassment! They are trying to extort money from people because some how there was a breech of my information. They had my social security number and an old PO Box that I had over 6years ago. 

I appreciate help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for the Capital One Savor credit card through Capital Ones official webpage ( https : //www.capitalone.com/credit-cards/savor/ ), which clearly advertised a Limited-Time Offer : Earn up to {$300.00} in bonuses, consisting of a {$200.00} cash bonus after spending {$500.00} within 3 months, plus a {$100.00} Capital One Travel credit XXXX 
I clicked the Apply Now button on that page and was approved. I then completed more than {$500.00} in qualifying purchases within the first 3 months from account opening, fully satisfying the advertised requirements. 
After the bonus failed to post, Capital One refused to honor the offer, claiming that the bonus was not included in my contract and assertingafter the factthat there are two versions of the Savor card, one with a bonus and one without. This distinction was never disclosed on the application page, during the application process, or anywhere in the publicly advertised offer. 
Capital Ones own webpage states that the bonus is available by clicking Apply Now and contains no disclosure that some approved applicants may receive a version of the card without the advertised bonus. I relied on Capital Ones published representation, completed the required spending, and Capital One accepted the benefit of that spending. 
This appears to be a misrepresentation and a bait-and-switch practice : advertising a sign-up bonus to induce applications and spending, then refusing to honor it based on undisclosed internal classifications. 
I am requesting that Capital One honor the advertised welcome bonus and credit my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Credit Karma, LLC
State: LA

Complaint narrative:
I got my tax refund advance deposited into my Credit Karma account, but because it had been a year since I last used it, I had to change my phone number, when I changed my phone number it locked any access I had to my money, {$3500.00} to be exact. I cant use the virtual card they provided, I cant transfer my money to my actual bank account, I cant make online payments. My money is just sitting there. And when I call customer support they cant give me a time frame on when the system will unlock my account, saying it could be days or weeks and that they cant do anything. They refuse to transfer anyone to resolutions when you ask, and sometimes you just get hung up on! My money along with a lot of other people I have talked to is just sitting there and Credit Karma apparently has no idea when Ill be able to use it, if ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: CA

Complaint narrative:
Employer sponsored payroll Wisely by ADP direct deposit debit card overtake ; with earned wages just deposited days prior depleted from account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Professionals, Inc.
State: TX

Complaint narrative:
The companies named in my complaint ( Collection Professionals, IncXXXX and XXXX XXXX XXXX ) have failed to provide a substantive response within the CFPB response period. 

The debt at issue arises from XXXX XXXX XXXX XXXX. The VA issued a formal denial confirming the provider billed the wrong payer, failed to submit the claim to the correct CCN contractor ( XXXX ), and that no patient responsibility exists. VA billing confirmed this charge should have been written off. 

Despite this, the collection agency continues to report and pursue the account and the credit bureaus continue to display it as verified. 

This constitutes : Failure to conduct a reasonable investigation under 15 U.S.C. 1681s-2 ( b ) Continued collection without proper validation under 15 U.S.C. 1692g ( b ) Reporting a debt not legally owed The companies named in my complaint ( Collection Professionals, Inc. and XXXX XXXX XXXX ) have failed to provide a substantive response within the CFPB response period. 

The debt at issue arises from VA XXXX XXXX XXXX. The VA issued a formal denial confirming the provider billed the wrong payer, failed to submit the claim to the correct XXXX XXXX ( XXXX ), and that no patient responsibility exists. VA billing confirmed this charge should have been written off. 

Despite this, the collection agency continues to report and pursue the account and the credit bureaus continue to display it as verified. 

This constitutes : Failure to conduct a reasonable investigation under 15 U.S.C. 1681s-2 ( b ) Continued collection without proper validation under 15 U.S.C. 1692g ( b ) Reporting a debt not legally owed I request immediate deletion of this collection account from all consumer credit reports, cessation of collection activity, and confirmation that no balance is owed.

Supporting VA documentation was previously provided and remains unaddressed.

Supporting VA documentation was previously provided and remains unaddressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Complaint Regarding Inaccurate and Unverifiable Credit Reporting Request for Deletion To Whom It May Concern, I am submitting this complaint to request CFPB assistance regarding inaccurate and potentially unlawful credit reporting by JPMCB Card Services concerning a charged-off credit card account.

Account Information - Creditor : JPMCB Card Services - Account Type : Credit Card - Account Status Reported : Charge-off - Reported Balance : {$12000.00} - Account Number : XXXX This account is currently being reported as a charge-off with a balance due and a {$0.00} minimum payment. Despite this, the account continues to negatively impact my credit profile. 

I dispute the accuracy and completeness of this reporting for the following reasons : 1. Failure to Provide Proper Verification I have not been provided sufficient documentation demonstrating the legal basis for the reported balance, including a complete payment history, original signed agreement, or proof that the balance is accurate and legally owed.

2. Inconsistent and Potentially Misleading Reporting The account is reported as charged off while still reflecting a balance and revolving terms, which may be misleading and not reflective of the accounts true status.

3. Fair Credit Reporting Act ( FCRA ) Compliance Concerns Under the FCRA ( 15 U.S.C. 1681 ), furnishers are required to ensure information reported is accurate, complete, and verifiable. If an account can not be properly verified, it must be corrected or deleted.

Due to the issues above, I am formally requesting that the CFPB investigate this matter and require JPMCB Card Services to either : - Provide full and proper verification substantiating the accuracy and legality of the account, or - Delete the account entirely from all consumer credit reporting agencies.

I am seeking resolution through deletion, as the current reporting appears inaccurate, unverifiable, and harmful.

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XX/XX/year>

Company response to consumer: Closed with explanation