vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 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: NJ

Complaint narrative:
In XX/XX/year>, Capital One closed my XXXX XXXX credit card account without providing a specific or substantive reason. The account was active and in good standing prior to closure. 

I contacted Capital One customer service multiple times to request an explanation. Company representatives stated they could not disclose the reason for the closure and advised that the decision was final. I was informed that all accumulated rewards ( approximately XXXX miles ) would be forfeited and that the annual fee of USD XXXX would not be refunded, considering the fact that the card was opened for only three months. 

The account closure occurred while I was attempting to use Capital One Travel to book flights and lodging, resulting in disruption to planned business travel. I requested corrective action, including reinstatement of the account, restoration of forfeited rewards and a refund of the annual fee. Capital One declined to provide remediation.

The unexplained account closure, forfeiture of earned rewards, and refusal to refund the annual fee raise concerns regarding unfair or potentially deceptive acts or practices, lack of transparency, and resulting consumer harm. I am submitting this complaint for regulatory review and appropriate resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/XXXX, I discovered approximately {$2000.00} in charges on my CareCredit account for an " XXXX XXXXXXXX '' security feature. I did not knowingly authorize enrollment in this program and have never filed a claim or used its services. Additionally, as a self-employed business owner, I am explicitly ineligible for coverage under the product 's own termsmeaning I was charged for a product I could never use. 
These unauthorized charges pushed my account over its credit limit, triggering additional overlimit fees. After I disputed these charges, Synchrony Bank closed my separate Rooms To Go credit account, which was in good standing, in what appears to be retaliation. 
On XX/XX/XXXX, I sent a formal written dispute via USPS certified mail to Synchrony Bank 's designated dispute address ( tracking number XXXX ). Delivery is pending confirmation. 
I am seeking removal of all XXXX XXXX  charges, associated overlimit fees, and investigation of the retaliatory account closure.

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 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Under section 605B FCRA this collection agency must provide physical evidence of the original signed contract with them. 

I demand to see this original contract signed with this collection agency. 

Their failure to positively provide evidence has hurt my ability to obtain credit and it impacted my credit score significantly. 

Per FCRA the unverifiable account MUST be removed from my credit report. 
I demand the collection account be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OR

Complaint narrative:
I paid XXXX to XXXX and the hotel canceled my reservation. 

I called XXXX and XXXX XXXX  told XXXX that they would refund in XXXX business days and they just refunded the amount XXXX months later. 

They are not responding to the XXXX dollars in additional interest per month then that puts card over limit XXXX in fees all in all once all additional fees are paid out I would be in the black. 

They were paid XXXX so I could get the card and now its been paid and they do things that are fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
In XX/XX/year>, I arrived at XXXX XXXX XXXX XXXX My room, XXXX, was very disgusting ( mold around tub borders, broken closet door, roaches in bathroom, stained linen and carpet, someone elses clothes left in the drawers and closet, dirty countertops, microwave and fridge. 

Front desk told me there werent any rooms available to switch to and there wasnt a manager onsite. Which left me no choice but to stay in this XXXX  being that it was after XXXX on a XXXX  XXXX  and nearby hotels didnt have availability either. 

On XXXXXXXX XXXXXX/XX/year>, the manager, XXXX XXXX XXXX XXXX XXXX XXXX only offered me a 10 % discount either off the total amount of {$130.00} or towards my next stay at only his location. I declined. 

I tired reaching out to XXXX since thats the third party company I booked through for the hotel and XXXX declined my refund too. 

I reached out to Apple/goldman Sachs on XX/XX/year> to dispute the transaction for a refund and theyve declined my dispute twice now stating that services were as described and they in fact were not. I can not fathom how an unsanitary room classifies as sanitary or merely as described when the photos for the room on XXXX XXXX and the propertys website shows clean rooms. 

Id like to make a complaint with XXXX XXXX XXXX XXXX and Apple/goldman Sachs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding Cash Apps suspension of my account and its continued refusal to release my funds despite repeated attempts to resolve the issue. 
On XX/XX/XXXX, I made a purchase using my Cash App debit card for airline tickets totaling {$610.00}. Immediately following this transaction, Cash App required me to verify my account information. I attempted to complete the verification process as instructed, but I was then notified that my account could no longer be verified. I was not provided with a clear explanation or an alternative method to complete verification. 
On the same day, XX/XX/XXXX, my Cash App account was suspended and frozen. As a result, I lost access to the remaining balance of {$260.00} in my account. To date, these funds remain inaccessible. 
Between XX/XX/XXXX and XX/XX/XXXX, I contacted Cash App Support multiple times seeking assistance. During each interaction, I clearly explained that I am unable to access the verification prompts and therefore can not complete the requested verification process. Despite this, Cash App Support repeatedly provided the same generic instructions that require accessing prompts I do not have, without offering any alternative resolution, escalation, or explanation for the continued freeze.

Cash App has effectively withheld my funds without providing a clear reason, a reasonable opportunity to resolve the issue, or a timeline for releasing my money. I believe this reflects an unfair handling of consumer funds and inadequate customer support practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: NY

Complaint narrative:
I am writing regarding this debt and request proper verification pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

For months, your company has repeatedly contacted me despite my efforts to block these communications. This pattern of conduct has been distressing and appears to constitute harassment. I am formally requesting that all communication with me cease immediately.

Additionally, please provide competent evidence that I have a legal obligation to pay this alleged debt. Specifically, I request the following documentation : XXXX. A copy of the original signed contract or agreement bearing my signature XXXX. Proof of the alleged balance, including a complete and itemized accounting of how the amount was calculated XXXX. Documentation establishing the complete chain of assignment from the original creditor to your company XXXX. Proof that your company currently owns the debt or has legal authority to collect it This letter is not a refusal to pay, nor is it an acknowledgment of the debt. It is a request for verification and a formal demand that communication cease as permitted by law. 

Please govern yourselves accordingly. 

Sincerely, 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 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo took Debit Withdrawls from my Dead Husband from his ATM and unauthorized transactions, which they stated I authorized. 

My husband had XXXX XXXXXXXX XXXX  XXXX, and I have the Power of Attorney throughout all of Wells Fargo Accounts that they did not accept after numerous submissions due to a change of banking personnel. 

The dates begin from XX/XX/XXXX through XX/XX/XXXX, and I did not have possession of that card. I am certain that if you get photos of the people who did these transactions after my husband 's death, since he was a XXXX XXXX Veteran, that would give you the evidence of my claims.

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 2026-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX advertised XXXX step process for receiving a one time bonus of XXXXXXXX XXXX  for the following three steps XXXX open retirement account XXXX fund the account within 45 days to determine bonus tier XXXX and maintain the balance for 90 days from funding ( XXXXXXXX XXXX or greater to receive XXXX bonus ) I completed the above and was not awarded the XXXXXXXX XXXX bonus. I followed those steps to the letter and was refused the promised amount.

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 2026-01-24 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
An American Express cardholder booked a short-term lodging reservation through the XXXX platform and paid {$1000.00} using an American Express card . The booking was governed by a clearly disclosed non-refundable cancellation policy presented at the time of booking. The cardholder also signed a rental agreement prior to arrival reaffirming the same non-refundable terms.

On the scheduled day of check-in, a temporary electrical safety issue affected interior lighting at the originally booked property. For safety and habitability reasons, the merchant promptly tendered performance by offering a comparable alternate accommodation for the same dates with sufficient sleeping capacity. The cardholder declined the alternate accommodation solely due to personal location preference and requested cancellation.

Despite documented evidence showing the disclosed non-refundable terms, the signed agreement, proof of tendered performance, and the cardholders written refusal and request for cancellation, American Express decided the dispute in the cardholders favor and reversed the transaction. The decision did not include an explanation of how the contractual terms or tendered performance were evaluated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: LA

Complaint narrative:
A debt collector National Recovery Agency has been contacting me on a daily basis about a debt or payday loan from XXXX I do not owe this company anything, or any money. Also this company states that another company now owns the debt, called XXXX XXXX XXXX. This loan was with XXXX which I have already disputed several times with this company unlawful practices and that I no longer owe this debt. The debt was deleted from my credit report. Now this company NRA has put this debt as Collections on my credit reports, with phone calls and texts messages regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Larry H. Miller Group of Companies
State: GA

Complaint narrative:
I keep telling the person that I had a XXXX XXXX. He keeps telling me that has nothing to do with the debt. Like said he will garnish my check. I told him I was in the process of getting my XXXX. He said well how long will that be. I told him I dont know. But he continues to threaten me for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, I open an account last year XXXX from Citibank because I need a XXXX bank to earn some money for my XXXX job and then when I try to cashing in the Check Deposit they closed my account the following day. When I call them the Funds is still available but I can not withdraw it because they closed my account, I wait 60 days to get the check again from them because I have still remaining funds of {$600.00} but they said it closed, and I saw the reviews from they're company that they have a really customer service

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 2026-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I contacted Nordstrom in advance regarding financial hardship and my inability to make the prior minimum payment of approximately {$140.00}. Instead of offering assistance, I was told by a compliance representative that I do not qualify for hardship and to try again later. 

Immediately after this refusal, Nordstrom increased my required minimum payment to approximately {$300.00}. This is objectively unreasonable and insulting. I could not afford the prior {$140.00} minimum, and Nordstrom now expects more than double that amount with no explanation or accommodation. 

The compliance representative did not address my hardship at all. There was no meaningful review, no alternative offered, and no acknowledgment of my prior communication. The response felt dismissive and punitive rather than compliant or consumer-focused. 

This appears to be bad-faith servicing : denying hardship assistance, instructing the customer to wait, and then dramatically increasing the minimum payment despite documented inability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
My name is XXXX XXXX and I am the account holder of a Chime account. My salary is regularly deposited into this account. 
On XX/XX/year>, my mobile phone was stolen from my car while I was at a shopping mall. When I returned to my car, I found that the car mirror was broken and my phone was missing.

During the time my phone was stolen, an unauthorized transaction of {$1400.00} was made using my Chime virtual debit card on the merchant XXXX. The transaction occurred on XX/XX/year> at XXXX XXXX. I did not authorize this transaction and had no knowledge of it at the time it occurred.

I reported the theft to the police and filed an official police report. The police later recovered my phone, but the {$1400.00} transaction had already been completed.

I then contacted Chime support and filed a dispute for the unauthorized transaction. I have a screenshot of the dispute confirmation email, which I will attach. However, Chime denied my dispute, stating there was no error.

This transaction is clearly a case of fraud and unauthorized use resulting from the theft of my phone. I believe Chime did not conduct a fair investigation or properly consider the police report and the circumstances of the theft.

I am requesting that Chime reopen the dispute, conduct a proper fraud investigation, and issue a full refund of the unauthorized {$1400.00} transaction. Supporting documentation, including the police report and the dispute confirmation email, is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My husband and I purchase our home in XXXX. My husband died on XX/XX/XXXX. This case involves Foreclosure on my property. I have completed 4 modification assistant applications with Shell Point. Shell Point denied me the modification, stating that I have to prove that I have the rights to own my home. The case Involves XXXX, XXXX and Shellpoint servicers which is under the umbrella Newrez LLC. I have completed 4 modification assistant applications with Shell Point. Shell Point denied me the modification, stating that they when I asked for assistance when the mortgage was only two months behind with no results. I have sent documents stating that I was successor in interest to my home after the death of my husband. This has been determined through 2 different servicers. Shellpoint have given me a false sense of helping me and at the same time trying to take my home from. When the account was transferred to Shellpoint, not all documents, which includes the current terms for this loan not transferred? Before the modification I only owed about {$80000.00} now they are making me pay over {$200000.00}. I only had 96 months to pay according to the previous loan contract. They have me making more payments for XXXX more months to pay my mortgage. After the completion of the modification, Shellpoint is milking more money out of me. They are making me pay over again what my husband and has paid for this house. If they had allowed me to assume the mortgage under the current contract, I would not had to endure this scam. In the end I will have paid over a half of XXXX dollars for my house. I had to agree with their new loan modification or loss my house. Attorney XXXX at XXXX XXXX XXXXXXXX XXXX XXXX  has advise me that this case is so complex, that it needs to go before a Judge. I am being advised that I need to seek a XXXX XXXX XXXX to handle this case, because it involves Mishandlings, misrepresentative, and fraud. XXXX transferred the incorrect old XXXX mortgage contract verse what was current was the XXXX modification contract and Shellpoint was aware of the situation and proceeded to try and take my house. Attorney XXXX stated that when I do received additional representation, he will transfer all file to the new attorney and fill them in on what has occurred.

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 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions Bank denied my initial debit card fraud claim. I attempted to reopen the claim in writing by providing a narrowed list of unauthorized transactions, but Regions is refusing to accept written notification and is requiring phone-only communication to reopen the dispute. This restricts my ability to document the Regulation E error resolution process. I am requesting a reopened Regulation E investigation and provisional credit for the unauthorized transactions.

What happens : Regions must respond XXXX XXXX {$33.00} XXXX XXXX {$12.00} XXXX XXXX {$33.00} XXXX  {$22.00} XX/XX/XXXX XXXX {$66.00} XXXX  {$21.00} XXXX XXXX XXXX {$30.00} XXXX XXXX {$6.00} XX/XX/XXXX XXXX XXXX {$30.00} XXXX {$11.00} XXXX XXXX {$12.00} XXXX XXXX XXXX {$20.00} XXXX {$11.00} XXXX {$6.00} XXXX {$47.00} XXXX  {$55.00} XXXX {$7.00} XXXX {$8.00} XXXX XXXX {$55.00} XXXX {$80.00} XXXX XXXX  {$44.00} XXXX {$27.00} XXXX  {$10.00} XXXX  {$150.00} XXXX XXXX XXXX {$140.00} XXXX XXXX {$52.00} XXXX  {$30.00}

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 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Again I have received a notice after viewing my credit report Barclays is reducing my credit limit. I have not given consent to pull my credit report and the score documented is not accurate. I have filed a complaint with the XXXX XXXX XXXX as well and have read the numerous complaints against Barclays with the XXXX XXXXo I will not associate with this company any longer. I will now look further into any legal options I may have and take action against Barclays.

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