vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
First I'd like to complain about how difficult it is to resolve anything with Capital One as you have only the option to call. They froze my account for no reason, and I was offered no explanation. I was able to resolve this after self ID-ing 6 times, 3.5 hours of phone calls and embarrassingly having to have a 3 way call with my old bank- so they could say the same thing I had been telling Capital One. They unfroze my account but I then had to call back to get access to online banking. Call again to get acess to my debit card. Etc I felt like a child in trouble with their divorced parents. My complaint now is I mobile deposited a portion of my payroll check and they will not be releasing the funds for 6 business days which will be a total of 8 days. I find this absurd and potentially illegal as I was under the impression {$270.00} must be released the next business day, it is the same company that direct deposits into the account, and it is a check issued by the state in which I live- as I am a XXXX XXXX. My main ( XXXX XXXX ) Direct Deposit payroll is also sent by the state on Wednesdays but Capital One will not release funds until Friday - when other banks would issue the funds the day after it is sent.

I find Capital One is intentionally making it difficult for me to bank with them and would like them to stop making it difficult for me to access payroll funds, and my account in general. I work odd hours this time of year and making a phone call is nearly impossible - I have had approximately 4 hours home since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
ACTIVE network LLC. Charged my account {$99.00} for a fee that I never agreed to. They violated my consumer rights by abusing my credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Violation of Bank Obligations under Regulation E : Refusal to Investigate an Unauthorized Electronic Fund Transfer Dispute XXXX Dispute XXXX Wells Fargo Bank violated its obligations under the Electronic Fund Transfer Act and Regulation E ( 12 CFR Part 1005 ) by refusing to accept and investigate my claim of an unauthorized electronic fund transfer. 

After the initial dispute was closed, I submitted a separate request based on a different legal basis namely, a claim of an unauthorized transaction arising from newly discovered circumstances. Despite this, the Bank refused to conduct an investigation, incorrectly characterizing my request as a duplicate dispute based on the same grounds. 

The Banks refusal to review the claim as an unauthorized electronic fund transfer and to conduct the investigation required by law constitutes a violation of Regulation E, including the duty to reasonably investigate consumer claims and issue a determination on the merits. 

I respectfully request that the CFPB require Wells Fargo Bank to : accept the claim for review under Regulation E ; conduct a proper and lawful investigation ; and restore my rights as a consumer of financial services.

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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am filing this complaint to correct and reopen a previously denied fraud claim for two XXXX transfers on XX/XX/year>, totaling {$3000.00} ( {$1000.00} to 'XXXX ' and {$2000.00} to XXXX ' ). 
At the time of my original report, I believed my phone had been stolen by a third party ( such as a maintenance worker ), as I had no knowledge of these transfers. I have recently discovered through my XXXX daughters XXXX XXXX that she was the one who initiated the transfers. However, she did so under extreme duress and criminal extortion. She was targeted on social media and threatened with the release of XXXX XXXX images ( XXXX ) if she did not send the money. 
Under Regulation E, these transfers are 'unauthorized ' because they were initiated by a XXXX without my permission and through criminal coercion. My daughter did not have 'actual authority ' to move these funds, and her actions were involuntary due to the illegal threats. I am requesting that Wells Fargo reconsider this claim in light of these criminal circumstances and the vulnerability of a XXXX  victim.

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 2025-12-30 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I paid my crediat card balance in full {$9700.00} and they took my money just prior to leaving for a family vacation. My intention was to use the card while traveling to avoid being forced to use my bank debt card as this creates concerns for fraud or theft of my card information. However, Goldman Sachs apple card despite reporting a credit limit of {$10000.00} and taking my large payment as listed a above has listed my available credit as {$37.00}. SO now, I XXXX XXXX traveling with family, have tied up a substantial amount of what was our available cash and have NO way of using our credit card as planned to fund the trip and improve our security while traveling. When I called, they told me the avaialbl ecredit balance will " reset '' on XXXX XXXX 2026. They refused to give the money back or provide any resolution to this while we are traveling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I sent XXXX to the wrong person on cash app I notice it right away and tried to cancel but it wouldnt allow me. I spoke with a representative through text and the took over 10 minutes tell me to hold on while they look in my account and then came back and said due to the transaction being completed I cant get my money. I request my money from the young lady and she declined to give my money back so they basically said Im out of my money and there is nothing the can do this needs to change it legally robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: NY

Complaint narrative:
I found the claim for fraudulent charges in the amount of $ XXXX around the XXXX. I also found another claim for the same fraudulent and charges around {$700.00} around or about XX/XX/XXXX. 
The claim for {$700.00} or fraudulent charges from XXXX and XXXX XXXX  was approved and refunded back to my account. The first claim of fraudulent charges for {$480.00} was approved and then denied so they sent me a denial letter it doesnt make sense. The fraudulent charges are coming from the same company or the same entity in both complaints. You approved one and then tell me the other one I authorize when XXXX and XXXX XXXX  have made the bank aware. I do not have an active account with them. I had to file a new fraudulent charge claim SR XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Leafy Financial, LLC
State: NY

Complaint narrative:
It says the account was open XX/XX/year> the company name is leafy financial llc and the collection amount is {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Transaction reference number : XXXX Date sent : XX/XX/year> Amount sent : {$28.00} USD ( Total charged : {$29.00} ) Recipient country : XXXX XXXX Receive method : XXXX XXXX Date inquired from money gramXXXX XXXXXXXX XXXX XXXX XXXX MoneyGram confirmed the transaction as complete, but the recipients bank never received the funds. When I contacted MoneyGram support, they refused to refund the transaction and instead closed my account, stating they were not comfortable with my activity. 
MoneyGram has provided no proof of payout and has not returned my funds. Closing my account does not resolve the issue of undelivered funds. I paid for a service that was never completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, JPMorgan Chase notified me that my bank account was being closed after they flagged it for suspicious activity. When I contacted the bank for clarification, the representative informed me that their backoffice team made the decision to close the account because it had previously been flagged for fraudulent checks that I had unknowingly deposited electronically. That issue had already been resolved prior to this notice. 

I was also informed that the remaining funds in my account would be mailed to me by check within 710 business days. However, on XX/XX/year>, I received a notification showing that the account balance had changed to {$100.00}, even though the account had a positive balance of {$130.00} before closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent a {$7000.00} wire from my XXXX Account to a client with whom had US Bank. The client received the money. However, a week later, XXXX without merit told his bank that the money was sent through wire fraud. So US Bank took the money out of his account pending investigation. I proved my innocence with all the accusations over the course of the month following the incident. The transfer number to this original wire is XXXX. Because of this, US Bank sent a letter to the person I wired and took them that they would be returning the money to XXXX on XX/XX/XXXX. Because of this, I took {$7000.00} of my money out the bank to replace the {$7000.00} that US Bank said they were sending back to XXXX. As of today, XX/XX/year>, XXXX is still saying they do not have these funds. They continuously message US Bank about the matter but US Bank only sends what appears to be automated response messages. The internal US Bank incident report number is XXXX. In XXXX, it should not be this difficult to locate funds from a wire. Either US Bank has the money or they did send it back to XXXX which would mean they have been lying to me since XXXX. I need this intervention because {$7000.00} is a lot of money and I need. Someone needs to find this money.

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc.
State: FL

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: NY

Complaint narrative:
There was a technical issue when I connected my XXXX XXXX account to XXXX. My netspend XXXX XXXX account is no longer linked with XXXX. This is NOT a XXXX issue. 

I need help regaining my original username XXXX. 

This issue has not been resolved. Netspend has not resolved this issue.

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 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
Credit Acceptance was paid in full on XX/XX/year> as part of an auto refinance. I am located in XXXX XXXX DC. 

The electronic lien release has been completed, but I am still owed a refund of {$1200.00} related to the payoff of the loan. 

As of today, the refund has not been issued, and I have not been provided with a payment date, check number, ACH confirmation, or tracking information despite contacting Credit Acceptance.

I am requesting prompt issuance of the {$1200.00} refund and written confirmation of the payment method and date.

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
The terms of the XXXX XXXX credit card by Chase states that after making the XXXX and XXXX qualifying rental car booking through cars.united.com with either XXXX or XXXX car rental carriers, the cardholder will receive {$40.00} in United travelbank cash/credit for each of the XXXX bookings. I made XXXX separate bookings in 2025 through cars.united.com and made sure that the terms and conditions were met which includes using a specific promotion code at the time of booking, and booking for a minimum 2 day trip. I have proof to show that these conditions were met and so I believe that I should receive a {$40.00} XXXX credit. The booking was executed between XXXX. However, I still have not received the {$40.00} XXXX  credit/cash into my XXXX XXXX  XXXX. 

I have reached out to United on more than one occasion asking for escalation of the issue, and every time have been turned down. At one point, United told me I hadnt booked the reservation through cars.united.com but this is blatantly false as a I have the confirmation email from cars.united.com to prove it ( and this was shared with them prior to them using this as an excuse to not pay me out this benefit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Michael Wayne Investment
State: VA

Complaint narrative:
I paid off my auto loan with Michael Wayne Investments in XX/XX/XXXX. Despite the loan being paid in full, the lienholder failed to properly release the XXXX with the Virginia XXXX XXXX XXXX XXXX ( XXXX ). 

I notified Michael Wayne Investments multiple times between XXXX and XXXX of changes to my legal name and address due to marriage and relocation. They refused to update my information in their system. As a result, when the loan was paid off, they mailed a vehicle title to an old name and outdated address. 

In XX/XX/XXXX, when I attempted to update my name and address on the title at the Virginia XXXX, I was informed that there is still an active electronic lien on my vehicle under Michael Wayne Investments in the Virginia XXXX XXXX XXXX XXXX ( XXXX ) system. Because the XXXX remains active, the XXXX can not issue a clean title or process my name and address changes. 

Michael Wayne Investments has failed to properly submit an electronic lien release as required by Virginia law, even though the loan has been paid in full for over a year. This error is preventing me from exercising full ownership of my vehicle and correcting my legal information with the XXXX. 

I am requesting that Michael Wayne Investments immediately submit the required electronic lien release to the Virginia XXXX XXXX XXXX and provide written confirmation that the XXXX has been released.

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 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I contacted the debt collector that my contract was transferred to from the auto dealer. I asked for my balance ; and they told me it was {$17000.00}. I then asked whats the total amount of payments Ive already paid on the loan ; they told me {$18000.00}. So I then stated ; if my loan financed at {$21000.00}, why is my balance still high after almost 3 years & why is my finance charge {$20000.00} making my total amount of payments on an economy car {$42000.00} with a APR of 25.44 %. And charge a {$3100.00} for a mechanic agreement that was not required to obtain financing. I stated this was never discussed and I would have never agreed to these charges. They could not tell me why my balance have not really moved since XX/XX/year> or where my payments being allocated to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
I went to club with some friends club is called XXXX  XXXX while at the club Someone broke into atleast 10 cars and stole everything out everybody car even busy car windows I left my phone in car by mistake and someone took my money I folks  police report and showed proof of police report and also filled a dispute with chime and they keep denying my claim and I need my money back immediately thats why I am filling my complaint against the company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Chase closed my personal account and is holding {$1100.00} of my funds. I was told a check would be mailed but no date was provided. I am facing imminent eviction due to this delay. I am requesting immediate release of funds or overnight delivery of the check

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: MT

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX veteran on fixed income. 
I am not able to attend a gym. Right after I received a call that this had occurred, I requested a new card from my bank. I then called the gym and told them my card had been used against my knowledge, and they stated they would get their money and that my credit would be tanked due to this. I then attempted to contact the collection agency and they shared the same sentiment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing a complaint regarding XXXX XXXX refusal to issue a cashiers check despite sufficient available funds. 
On XX/XX/year>, I visited the Wells Fargo branch at XXXX XXXX XXXX, XXXX, XXXX, to request a cashiers check in the amount of {$12000.00} from my savings account, which had over {$50000.00} available. XXXX staff told me they could not issue the check due to account activity, despite the most recent transaction occurring on XX/XX/year>. 
Staff also incorrectly stated that a {$25000.00} deposit from XX/XX/year> had not processed, which is inaccurate. To address their concern, I transferred {$5000.00} from savings to checking, leaving approximately {$16000.00} available in checking, and again requested a cashiers check. This request was also denied. 
I was not provided a clear, accurate explanation or timeline for when access to my funds would be restored. I am concerned that Wells Fargo is restricting access to my own funds without justification or transparency. 
I am requesting a written explanation for the denial, confirmation that my accounts are not improperly restricted, and assurance that I can access my funds, including obtaining cashiers checks, without arbitrary denial going forward.

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: OK

Complaint narrative:
On XX/XX/year>, U.S. Bank assessed a {$40.00} returned payment fee on my credit card account. I always make payments on time, and the return was caused by bank processing issues outside of my control, not insufficient funds or negligence. I contacted U.S. Bank customer service to request a courtesy waiver, but the request was denied. I have since made the required payment and am actively working to keep my account current. I am requesting a one-time goodwill removal of this fee.

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