vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-26 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: DC

Complaint narrative:
I would like to make formal complaint against ( Capital One ) on XX/XX/XXXX they closed my account without any formal notice. I had XXXX XXXX XXXX since XXXX, paid my bills and had some issue with my payments, but paid my bill. Ever since they merged with XXXX, alot of middle class customers, woke up the morning of the XXXX of XXXX. Our accounts were closed with Capital One... I have my XXXX, XXXX dollars car loan with Capital One and I am afraid that they will call that loan back with-out any notices. I feel that something needs to be done about ( Capital One ) closing my accounts when, I paid my bills. I have outstanding balance of {$700.00} which that will be paid in full on XX/XX/XXXX. Again, I don't have any credit cards now, due to this were closed without any proper notice. cc : XXXX XXXX XXXX XXXX XXXX XXXX United States Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, 2026, my Citi XXXX XXXX credit card was closed by Citi. They sent a letter explaining that the reason they close my account is due to returned payments on this account when the credit card company try to withdraw from my bank account. However, I have already pay $ XXXX using my debit card before the statement due date and statement balance is only $ XXXX. This should not have triggered the autopay withdraw of $ XXXX from Citi since I do not have any balance due. Also, the reason that the payment was returned by my bank is due to recent frauds that has occured in my bank account where there was multiple fraudulent withdraw using the citi cards vendor code so my bank block this vendor code from any fund withdraw. This is the reason I have been paying my credit card statement using my debit card. I explain this to Citi about what happened and they still won't reinstate my account and I have been using their credit card for the past 7 years and I have never miss any payments and have been in good standing with their company.

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 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
My account and routing number have been disabled, but I have documentation from the comptroller showing my account is no longer frozen. I'm requesting a formal review and reinstatement of my account and routing number. The comptroller has reached out to cashapp and E-faxed the information needed! Cashapp has not complied with the comptroller. Cashapp has not helped me out as a customer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 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: TX

Complaint narrative:
Account was closed ; however, I have reestablished two additional accounts with company. I need to have this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover charging too much for interest and ARP rate they keep changing my monthly payment without notifying me I don't get no credit increase I've been with this company for years my interest is high too high my APR is too high this is like highway robbery for a loyal customer that pay their bill on time and never had a late payment this is disgusting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I mistakenly submitted another monthly payment prior to closing date on my card, and 2 payments were completed on closing date. XXXX for {$5300.00} which cleared my balance, and an additional {$5100.00} which placed me in negative balance. I called WellsFargo on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I got the same answer an all times ( wait 7-14 days ) for refund to be issued.

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 2026-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, my husband XXXX XXXX and I transferred {$2000.00} from our joint XXXX XXXX XXXXXXXX account to his JPMorgan Chase account ( Confirmation Number : XXXX ). Due to a manual entry error, one digit of the account number was entered incorrectly. My husband has confirmed with JPMorgan Chase customer service that the incorrect account number he provided ( ending in XXXX ) does not exist in their system. Because there is no valid recipient, this {$2000.00} transaction is currently listed as " unsettled funds '' by JPMorgan Chase. More than XXXX months have passed since the transaction occurred. Although we have informed JPMorgan Chase that the receiving account is invalid, they have not yet initiated the process of returning the funds to XXXX XXXX XXXX. I request that JPMorgan Chase use the confirmation number and recipient 's name to locate the funds and immediately initiate administrative refund procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Mortgage — Conventional home 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: Guild Holdings Company
State: NM

Complaint narrative:
I am submitting this complaint regarding the origination of my mortgage loan in XX/XX/XXXX through Guild Mortgage. During the home purchase process, the inspection report noted that the roof was aged and recommended repair. I raised concerns regarding the roofs condition and insurability during the loan and insurance process. During that time, I was verbally advised by my loan officer that repairing the roof temporarily would be sufficient and that full replacement could be addressed later. I was further advised that if a severe storm or snow event occurred in the future, insurance could potentially cover roof replacement. I was also advised not to emphasize the roofs age when dealing with insurance underwriting. Based on this guidance, I proceeded with the loan and insurance arrangements believing the roof condition would not create immediate insurability issues. In XX/XX/XXXX, shortly after closing, my homeowners insurance was cancelled due to the roofs age. Although my mortgage payment did not increase immediately, lender-placed insurance and escrow adjustments were later applied. In XX/XX/XXXX, my monthly payment increased significantly ( from approximately {$840.00} to {$1300.00} ) due to escrow recalculation associated with the insurance issue. The fact that insurance was cancelled so soon after origination indicates that the roofs age and insurability were material risks at the time of loan approval. I relied on professional guidance provided during the origination process, and the delayed financial consequences of that guidance have resulted in substantial hardship. I am requesting a review of whether the advice and disclosures provided during origination adequately addressed the insurability risk and whether the guidance provided met professional and regulatory standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I noticed that my Navy Federal account, account number XXXX, is reporting as charged-off, but it also continues to show monthly past-due balances after the charge-off. Additionally, the reported charge-off date is inconsistent, with multiple dates listed on my credit report. I contacted Navy Federal to request verification of the Date of First Delinquency, the correct charge-off date, an itemized final balance, and correction of any inaccurate information reported to the credit bureaus. I have not yet received written confirmation of corrected reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Attached is a letter with all details. No legal investigation was conducted nor have i received any proof of one.

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 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank Closed my Business checking account and not sending my balance that was in the account they keep saying it is in the mail I contacted customer service for citi bank they advised me to go to the branch I went to the branch several times they advised me to call customer service, however customer service is referring me to to branch it has been almost 2 months and I cant get my funds.

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 2026-02-26 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:
I am filing a complaint regarding an unresolved Apple Card billing dispute with Goldman Sachs Bank USA. On XX/XX/year>, while traveling in XXXX, XXXX, I was approached on the street by an individual who pressured me into following him to purchase ingredients for a coconut oil hair treatment. I was taken to a shop called XXXX XXXX XXXX XXXX in the XXXX XXXX. Inside the shop, I was told the total cost would be approximately {$30.00} USD, which I agreed to pay so that I could leave the situation. I was alone in a foreign country and felt pressured and unsafe during the interaction. When I tapped my Apple Card, I immediately received a notification showing a charge of {$350.00} USD, which was far higher than the amount I agreed to. I did not authorize a charge of {$350.00}. I only agreed to approximately {$30.00} USD. The merchant misrepresented the price and charged an incorrect amount. I immediately confronted the merchant and requested a refund, but the merchant refused. I left the store without receiving any meaningful goods or services for the charge. I did not receive the service that was promised and I did not receive anything of value in exchange for the {$350.00} charge. I disputed this charge with Apple Card ( Goldman Sachs ). The charge has been provisionally credited and then re-applied multiple times. Despite providing a detailed explanation, Apple Card has continued to deny or reverse the dispute. I have requested proof that I authorized a charge of {$350.00}, but this has not been provided. This is a billing error involving merchant misrepresentation, an incorrect amount charged, and failure to provide goods or services. Transaction details : Date : XX/XX/year> Amount : {$350.00} Merchant : XXXX XXXX XXXX XXXX XXXX, XXXX I attempted to resolve this directly with the merchant and with Apple Card, but the issue remains unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-26 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: NY

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX item for {$260.00} from XXXX XXXX - XXXX XXXX XXXX at the XXXX XXXX. After returning to New York and closely inspecting the item, I discovered material inconsistencies and initiated authentication. The item was determined to be counterfeit by a XXXX professional authentication service. Despite providing expert documentation, American Express has refused to conduct a meaningful investigation and has repeatedly closed my dispute. Timeline of Events below : - XX/XX/XXXX : My initial dispute was closed after the merchant submitted generic franchisee/authorization certificates. No authentication of the actual item was performed. - XX/XX/XXXX : I reopened the dispute and provided additional contextual evidence. - XX/XX/XXXX : American Express closed the reopened dispute and instructed me in writing to provide an expert report confirming the item was counterfeit. XX/XX/XXXX : In reliance on American Express written instructions, I obtained and paid for a professional XXXX authentication report from Real Authentication ( Report XXXX XXXX XXXXXXXX ). The report formally determined the item is Counterfeit. I uploaded this documentation immediately. XX/XX/XXXX : American Express closed the dispute again, and instructed me in writing to provide an expert report confirming the item was counterfeit again. Upon calling American Express immediately after the third closure, I was told explicitly by a representative that : - The case would not be reopened. - The authentication report would not be considered. - The decision had already been made in favor of the merchant. - I should instead contact AMEX XXXX XXXX, which covers theft or accidental damage not counterfeit goods. This response is inappropriate. This is not a theft or damage claim. This is a dispute involving counterfeit merchandise and failure to receive goods as described. Basis of Complaint American Express : - Required an expert report. - I obtained and submitted that report at my own expense. - The report conclusively determined the item is counterfeit. - The bank then refused to consider the report and declined to reopen the case. The merchants submission of general franchise documentation does not authenticate the specific item I received. American Express has chosen to rely on generic merchant status documents rather than direct, item-specific counterfeit evidence. This reflects a failure to conduct a reasonable investigation under consumer protection standards governing billing disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
On XX/XX/year> at XXXX am, I received an email from my job saying my wages are being garnished. It was from Midland Credit Management XXXX. I've disputed this account multiple times because I never opened an account with XXXX XXXX XXXX. When I closed that same week, I asked if they could provide proof of a signature to verify it's my account. The guy I spoke with said, " We don't look for signatures because accounts can be made online. '' I said, " So someone can just make an account if they have my info. '' his reply was, " I'm not saying that. How we do our investigation is by seeing the address the statements go to. Mind you, I live with other people, and I'm a truck driver. I should not be paying for something I didn't open.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
XX/XX/year> business checking account transfered {$500.00} to everyday checking ; emptying the account XX/XX/year> business savings transfer of {$1000.00} to everyday checking, emptying the account XX/XX/year> cash advance on credit card was maxed out at {$2700.00} and transferred to the everyday checking XX/XX/year> everyday checking emptied to unknown account XX/XX/year> active cash account was charge {$420.00} Wells Fargo everyday checking only had {$200.00} in the account before all transferred money was emptied. I was never notified that all my accounts had unusual activity. XX/XX/year> a series of attempts and success was accessed on my online banking application on my phone. Never notified or had accounts frozen. XXXX XXXX XXXX department failed to keep my money and all of my accounts safe when they were all hacked on the same day. Then XXXX days later. They refuse to refund my money claiming I authorized these transactions.

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 2026-02-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: NJ

Complaint narrative:
Klarna Inc. is engaged in unauthorized debt collection. After a complex refund process for a utility bill ( XXXX & XXXX ), XXXX system generated duplicate refund entries. Now, they are attempting to " correct '' their own internal accounting error by forcibly and repeatedly withdrawing funds from my XXXX XXXX without my consent. During a support chat on XX/XX/year>, Agent XXXX explicitly stated that " autopay can not be stopped, '' confirming that Klarna is performing unstoppable, unauthorized electronic fund transfers. Furthermore, agents XXXX and XXXX intentionally provided false information, claiming a supervisor was " not available '' to obstruct my attempt to stop these charges. I have revoked all authorization for Klarna to charge my XXXX XXXX. They refuse to cease. This is a violation of Regulation XXXX and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: IL

Complaint narrative:
This account was placed into an approved hardship/payment assistance program prior to closure. During this period, I was operating under the agreed terms of that arrangement. Despite the hardship agreement, late payments are being reported for the months of [ list months/year ]. These late notations are inaccurate because the account was under an approved hardship plan at the time, and I was complying with the agreed terms. Under the Fair Credit Reporting Act ( FCRA ),

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I opened a new Ally Bank Spending Account on XX/XX/XXXX under the XXXX promotional offer. I met all requirements outlined in the published Terms & Conditions : I was a new customer as defined in the offer. I opened the account using the required promo code. I funded the account within XXXX days. I completed XXXX consecutive months ( XXXX and XX/XX/XXXX ) of qualifying direct deposits totaling at least {$1000.00} per month. My account has remained open and in good standing. The Terms & Conditions state that the {$300.00} promotional bonus would be deposited within XXXX days after completing the second consecutive qualifying month. That payout deadline was XX/XX/XXXX. As of today, more than XXXX days past the stated payout deadline, the bonus has not been paid. I have contacted Ally Bank multiple times and requested escalations. Representatives have indicated that multiple customers are experiencing similar unpaid bonus issues. However, no resolution timeline or payment has been provided. Ally Bank has failed to honor the written terms of its promotional offer. I am requesting immediate payment of the {$300.00} bonus that was earned under the stated Terms & Conditions.

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 2026-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: CA

Complaint narrative:
Since XXXX i made nonstop minimum and large payments to all creditors surpassing all debt owed. Incredible high interest XXXX creditline increased minimum payments and interest so that i couldn't move on with my life and money to better things. I was chained to entrapers and dirty tactics forcing my money to go and dissappear. XXXX, {$80.00}. Payments, times XXXX years didn't equal to {$4800.00}. Of paid debt, it equaled to cero paid, and now i owe a paid with cash money dollars debt to people i never signed business with.

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 2026-02-26 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I am a victim of identity theft. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling, I lost my laptop, phone, wallet, and all my identity documents which led to unauthorized individuals gaining access to my personal information and opening these accounts in my NISSAN INFINITI LT XXXX

Company response to consumer: Closed with explanation