vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I sent {$1000.00} to a relative on XX/XX/XXXX and the recipient did not receive it. I filed a claim with my bank on XX/XX/XXXX. It was denied. I filed a rebuttal twice and they were both denied on the grounds that the recipient received the money. The recipient did not receive the money. They would not contact the recipients bank or do anything to further investigate except send me the same receipt of the fact that it was sent. They didnt seem to understand that it was not delivered. I would like the bank to provide more detailed information and do anything actual investigation instead of pocketing my {$1000.00}. My bank is Capital One, the recipients bank is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I enrolled in a XXXX-month promotional financing offer on my Synchrony Bank credit card and enabled autopay at the time of account setup. All required payments were made on time, and in addition to meeting the required minimum payments, I consistently paid more than the minimum amount due during the promotional period. My intent was to pay the promotional balance in full within the promotional period. 

The promotional period ended on my XX/XX/XXXX billing date. I did not receive any email or mailed notice advising that the promotion was ending or that deferred interest would be applied. My contact information on file is correct, and I confirmed that no such notices were received, including in spam or junk folders. 

After the promotion ended, deferred interest was applied to my account. When I noticed the interest charge, I contacted Synchrony by phone to request a courtesy review, explaining that autopay was enabled and payments were made on time. 

I spoke with a customer service representative and later an account manager. I was informed that Synchrony does not allow any review or exception beyond XXXX  days after the promotional period ends, and that no further adjustment or exception review was available by phone. I was provided a mailing address for written escalation. 

I am requesting that Synchrony review this matter and reverse the deferred promotional interest as a one-time courtesy based on good-faith payments, autopay being enabled, and the lack of received notice regarding the promotional expiration.

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 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
IDENTITY THEFT WAS COMMITTED ON ME, USING MY PERSONAL INFORMATION. CREDIT CARD ACCOUNTS FRAUDULENTLY OPENED. FRAUDULENT ADDRESSES, P.O.BOXES, AND PREVIOUS ADDRESS.

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 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: DC

Complaint narrative:
On Monday XX/XX/XXXX at XXXX. I received an email from cash app stating my cash app card has been deactivated for XXXX XXXX XXXX XXXX XXXX  XXXX. I immediately appealed cash app action. On XXXX XXXX my appeal was denied. My cash app activity log does not support none of what is being alleged, and cash refuses to reactivate my card/account. Moreover, cash app has not provided me with any evidence, dates, times or places that they're alleging. I explained to cash app, " I DON'T XXXX  ''! My cash app card is primarily used ro pay bills, make purchases and send money between my wife and kids. Sir or ma'am I ask you look into this matter. This has been a tremendous inconvenience. I ask that someone please look into this matter ASAP. Thank you. If you have any questions, please don't hesitate to reach out ( XXXX ) XXXX. My name is XXXX XXXX NOTE : I have no way of disputing what's being alleged, other my card activity, which shows ABSOLUTELY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: NE

Complaint narrative:
I previously submitted a complaint about the loss mitigation process but found out they sent my case to foreclosure attorney. I was made aware from XXXX and a friend that they should have given me the opportunity to appeal the denial of my loss mitigation plan. I have searched their site and have the letter stating the denial but no information on appealing this decision. I was not informed when I called on XX/XX/XXXX nor XX/XX/XXXX. When I called again on XX/XX/XXXX I asked what my options were and what I needed to do and they told me the person I spoke with on the XXXX should have told me to start loss mitigation paperwork again instead of escalating the issue to let them know what happened to the letter. He put me on hold. He said a supervisor said I have no option but to do another application to start loss mitigation again because XXXX  is strict and the last XXXX payments I made go to the loan but don't count towards making payments. Then he said I am now am XXXX payments behind and have to start over again. I and I should have asked for an extension on the letter being returned be fore now. I didn't ask for an extension. I simply let them know what happened. I did not decline the agreement. The fax just didn't go through without my knowledge. Therefore, I was not aware I needed an extension. Either way I was not given the option to appeal the decision. I can not find an appeal option on the bank site either. No address for appeals or anything. They also said it was not there fault I didn't get the letter in a timely manner probably due to holidays.

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
Dear CashApp, I am writing to report a serious case of theft and identity fraud. The merchant involved ( XXXX XXXX ) in these transactions is not a legitimate business and has stolen my data and information to steal funds from me. The thieves and hackers have made transactions appear as if they were authorized by me, but I did not approve any of these payments. I am unfamiliar with the recipient of the remittances. I had the same problem at XXXX and XXXX has refunded me and I ask for the same from you. Merchant involved in these transactions is not a legitimate business and is running fraud against users. I did not authorize these payments and do not have my cashapp card. 
Please assist me in resolving this issue. Its important to note that remittances are not permitted according to Cash Apps terms of service. I request an immediate refund for the following unauthorized transactions : XXXX. {$3000.00} USD PandaRemit XXXX XXXX. {$3000.00} USD XXXX  XXXX XXXX. {$2500.00} USD XXXX  XXXX These payments were made to XXXX  XXXX using my CashApp debit card linked to XXXX. All of my personal belongings were stolen, I have reported this crime to my local law enforcement agency, the XXXX XXXX XXXX XXXX ( XXXX ), and they have provided me with a valid police report. The police department has advised me to work directly with you, as my financial institution, to initiate a chargeback process and assist me in obtaining a refund for the unauthorized transactions. I have attached here similar experience with the same theft and merchant at XXXX and those XXXX transactions have been refunded for unauthorized activity and I ask you to do the same. Check the attachments here for XXXX transactions of {$2000.00} USD and {$600.00} USD. I need you to refund me immediately. 

Regards, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: MD

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  charges back to back ranging from XX/XX/year> to XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Plz contact me for detailed list and screenshots

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am the sole heir and authorized successor in interest to the borrower. 

Probate is active in XXXX XXXX XXXX XXXX XXXX ( Case No. XXXX ). 

PHH Mortgage has received all probate and heirship documentation and has added me as an authorized user. 

A trustee sale is scheduled for XX/XX/year>. 

Despite active probate, authorization, and my request for loss mitigation review, PHH is refusing to place a foreclosure hold and is demanding reinstatement only. 

I am currently making regular monthly payments and am seeking time to complete probate and evaluate loss mitigation options. 

Proceeding with foreclosure under these circumstances would cause irreparable harm and violates successor-in-interest servicing obligations.

I am requesting immediate executive escalation and postponement of the foreclosure sale while probate and loss mitigation review are completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I mobile deposited a XXXX check to Ameris Bank XXXX on XX/XX/year>. I am a local resident and have been a customer of Ameris Bank since XXXX Banking Company sold out to Ameris Bank approximately XXXX  years ago. The check I mobile deposited was written from a XXXX resident. All parties are local XXXX residents. Once I mobile deposited the check I was sent an email the check was on a XXXX day hold. I went to Ameris Bank on XX/XX/year> and was told by banker XXXX there was nothing she could do and was given no reasonable doubt for the hold. I left the bank. I went to the bank again on XX/XX/year> and was again told by banker  XXXX there was nothing she could do. I was again given no reasonable doubt of why the check was on hold. Banker XXXX told me the check would post today on XX/XX/year>. Its been XXXX days and XXXX business days since the mobile deposit. As of the close of business today, XX/XX/year>, XXXX days, XXXX business days, the XXXX check has still not been posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CFPB Complaint Draft Against : Capital One Product : Checking account ( XXXX Checking ) Issues : Unauthorized electronic transfers ( XXXX fraud ) + Promotional bonus refusal Consumer Information Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Complaint Summary ( what CFPB reviewers see first ) I am filing this complaint regarding unauthorized XXXX transfers totaling {$1500.00} from my Capital One XXXX  Checking account and Capital Ones refusal to honor a {$300.00} promotional bonus, despite my substantial compliance and continued direct deposits. 

Capital One has acknowledged the transactions occurred but has not yet provided a written fraud determination. Separately, Capital One denied a {$300.00} bonus based on an alleged XXXX delay in a qualifying direct deposit, even though I made multiple direct deposits over several months and remained an active, funded customer. 

Detailed Explanation XXXX Unauthorized XXXX Transfers ( Primary Issue ) On XX/XX/year>, XXXX ( XXXX ) XXXX transfers were sent from my Capital One XXXX  Checking account to an individual named XXXX XXXX, totaling {$1500.00}. 

I did not authorize these transactions. I do not know this individual and received no benefit from the transfers. 

The unauthorized transfers were : {$120.00} {$150.00} {$150.00} {$100.00} {$50.00} {$970.00} XXXX : {$1500.00} Capital One issued a letter dated XX/XX/year>, confirming that these XXXX transfers posted to my account. However : Capital One has not yet provided a written fraud determination I have not received documentation showing device, IP, or login analysis No clear explanation has been provided as to how these transactions were authorized This complaint serves as confirmation that I dispute these transactions under the Electronic Fund Transfer Act ( Regulation E ) and request a full investigation and written outcome. 

XXXX Refusal to Pay {$300.00} Promotional Bonus ( Secondary Issue ) I opened my Capital One XXXX Checking account in XX/XX/year> under a promotion offering a {$300.00} bonus after qualifying direct deposits. 

My deposit history : First direct deposit : XX/XX/year> Second direct deposit : XX/XX/year> Third direct deposit : XX/XX/year> Capital One denied the bonus, stating that my XXXX deposit was allegedly XXXX  days late and therefore disqualified. 

I believe this decision is unfair, rigid, and inconsistent with reasonable consumer expectations, for the following reasons : I made multiple qualifying direct deposits I remained an active, funded customer Capital One suffered no financial harm The deposits were continuous and in good faith The denial appears to be based on a technicality, not substantive non-compliance This refusal occurred while my account was also impacted by unresolved fraud activity, further compounding consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
In approximately XXXX, I attended Johnson & Wales University XXXX  financed my education using a combination of federal aid ( including Federal XXXX Grants, SEOG, XXXX XXXX, and XXXX federal loans ) and institutional funding from the school, including a XXXX XXXX XXXX XXXX XXXX. According to a XX/XX/XXXX loan XXXX  account statement from the school, the institutional XXXX loan ( referred to as an XXXX XXXX in my transaction history ) originally totaled {$4000.00}, with a remaining principal balance of {$2800.00}, interest due of {$2600.00}, late fees of {$14.00}, XXXX  a total payoff amount of {$5400.00} as of XX/XX/XXXX. That same statement also shows a separate student account balance of {$6100.00}, for a combined institutional exposure of about {$11000.00} that the school is still trying XXXX  collect decades later. 
I completed all required coursework for my XXXX XXXX XXXX  was academically eligible XXXX  graduate, but the university placed financial holds related to this institutional XXXX XXXX XXXX  unpaid balance. In or around XXXX, I requested my official transcript XXXX  degree documentation ; the university released XXXX official transcript as a XXXX-time exception but informed me that no additional official transcripts or full credential access would be provided unless I paid the institutional loan XXXX  related balance in full. The school indicated that the XXXX XXXX does not expire XXXX that these old institutional receivables justified continuing holds, even though my degree requirements had been completed XXXX  large portions of my education were funded with federal XXXX XXXX aid. 
Since XXXX, I have repeatedly tried XXXX  resolve this situation in good faith. I filed a borrower defense application in summer XXXX because the school had promised meaningful employment support XXXX career assistance as part of its recruitment XXXX  program marketing, but those services were never delivered, leaving me with debt XXXX  no benefit from the promised career outcomes. I have also discovered that federal regulators now view blanket transcript withholding tied XXXX  institutional loans as an abusive practice : in XXXX, the Consumer Financial Protection Bureau reported that using transcripts as leverage for institutional loan collection is an abusive act or practice under federal law, XXXX  more recent federal rules limit transcript holds for periods paid with federal aid. Despite these developments, the school continues XXXX  rely on this decades-old institutional loan XXXX  related balance XXXX  restrict my access XXXX additional official transcripts XXXX  degree documentation, which is preventing me from pursuing further education ( including PhD programs ) XXXX  advancing my career.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-01 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: CA

Complaint narrative:
Over XXXX transactions that were made to a site called XXXX XXXX nothing I approved nor authorized anyone to make the transactions that were done I have no ties to this merchant at all nothing besides that they said one of my cell phone numbers was used to do the transactions which I told them that's not authorization just cause a phone was used I never once authorized one let alone XXXX of them I have a bank account with chase which is my main bank account I mention to them so when I notified them that's I noticed these transactions which I did not approve they helped me file a claim so now I'm just waiting for the team to do there investigation but I asked for provisional credits but received nothing yet so now I'm asking for your help to solve this matter

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 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am disputing a credit card transaction that I reported to Chase within the required timeframe of {$13000.00} because no products, goods, or services were received. I initially submitted the claim as fraud shortly after the transaction posted. 

Chase conducted a fraud investigation and later determined the charge did not qualify as fraud. I was then instructed to pursue the matter through the dispute department. 

By the time the claim was transferred internally from fraud to disputes, the dispute timeframe had elapsed. Chase has now denied the dispute solely on the basis that the merchant is not required to validate the charge due to the elapsed timeframe. 

The delay that caused the dispute window to lapse was entirely due to Chases internal handling and routing of the claim, not due to any delay or inaction on my part. I acted promptly and in good faith by notifying Chase as soon as I became aware of the charge. 

I am being penalized for Chases internal processing delay, despite providing timely notice. I am requesting reconsideration of the dispute or a courtesy exception due to the banks internal handling of the claim. No goods or services were rendered for this transaction and now chase is attempting to hold me accountable for a charge that was wrongfully charged to my card and is not taking accountability.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
On XX/XX/year>, my daughter opened a XXXX " benefit '', number XXXX. The XXXX XXXX didn't allowed to upload the document, so it was sent to XXXX. With days passing by and monitoring, the benefit wasn't processed. It was resent on XXXX XXXX and XXXX to different emails per conversation with the agents. She called again to an agent and the agent said that documents were received when it was sent XXXX times. The agent did a search on the email and found the document but never sent it to the analyst because it was monitored. In that conversation, the agent told me that the benefit was under my own benefit XXXX, from a XXXX I had back in XXXX. I explained it's XXXX different people, to different situations. Later days, my daughter was able to upload the document the website but it was closed again. Today she called and an agent told her that her document has not been received. So it means that all the previous agents lied to her about receiving answers submitting the document. But previous that call, she called and told her, again, that her benefit was under mine. 

She requested to speak to an analyst but the agent told her she'll be reached from XXXX business days and she denied. It's almost a month since we submitted her " benefit ''. We tried to open a new benefit but it says there's already XXXX when it's not.

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 non-monetary relief
Consumer complaint received 2025-12-31 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: U.S. BANCORP
State: AZ

Complaint narrative:
I applied online for a special XXXX percent 24 month credit card. U.S. Bank asked me how much I was applying for, I input {$16000.00}. I completed the pre-approval process and was told that I was approved. U.S. Bank then asked me if I wanted to proceed, and I clicked " yes. '' I then received notice that my card was approved, but not for {$16000.00}, only {$500.00}. 

The bank deceived me into thinking I was approved for the {$16000.00} amount. I would never have allowed U.S. Bank to run my credit verification if I was only approved for a {$500.00} card. I already have a {$10000.00} credit card line with U.S. Bank that has a XXXX balance. 

I asked to have this credit card application cancelled, and also the credit report they ran, which affected my XXXX XXXX, removed. U.S. Bank refused.

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 non-monetary relief