vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I signed up for a promotion to receive {$400.00} for opening an checking account and depositing {$1000.00} by direct deposit within 90 days. I had {$4500.00} deposited on XXXX. The ad said fed tax returns was a qualifying deposit. And now they are saying it is not. I never would have signed up if the tax refund was not eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CO

Complaint narrative:
On XX/XX/year> I discovered several unauthorized charges to my account totaling {$3800.00}. I immediately contacted NetSpend once I discovered the unauthorized charges and disputed the charges that were not Authorized by myself. I also filed a police report in this case. I just had XXXX XXXX within the last few months and I had people around I trusted to help me, so therefore they had complete access to all my personal and financial information as well as access to my personal phone.I don't know if it was all XXXX of the people who had access to commit fraud or if it was just one who did this or all 3. A week ago today NetSpend came to the conclusion of them not finding any errors so they closed the dispute on the XXXX day. I have made several attempts by speaking with management that I want to appeal and have my case reopened because I am not going to be held accountable for charges I did not authorize. I am going to use every legal remedy until justice is prevailed.

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 2026-04-29 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: FL

Complaint narrative:
I am submitting a complaint regarding how American Express handled a dispute involving a {$7500.00} charge for a coaching program that was materially misrepresented and ultimately not delivered. I have been an American Express cardmember for 36 years and have rarely needed to file disputes. This is not a routine complaint, but a significant issue involving misrepresentation and loss of access to services. I purchased a coaching program from a company called XXXX XXXX XXXX XXXX XXXX. Prior to purchasing, I clearly explained that I have 17 years of experience in XXXX XXXX and confirmed with multiple representatives that the program was appropriate for an XXXX XXXX I was assured that it was. After gaining access, it became clear that the program was basic and designed for beginners. I raised this repeatedly with my assigned coach, who instructed me to skip from module to module in an attempt to find content that applied to my level. I was directed through multiple modules ( up to module XXXX ), but the material remained introductory and not as represented. The live coaching calls further confirmed this, as they were geared toward beginners with little to no experience. I later spoke with the founder, who acknowledged that the program was not a fit for me and attempted to move me into a completely different program that I did not purchase. After I raised concerns and disputed the charge, the company removed my access to all components of the program, including coaching, XXXX channels, and XXXX groups. At that point, I no longer had access to any services, despite having paid {$7500.00}. I submitted extensive documentation to American Express, including : * Evidence of misrepresentation * Documentation showing the level of the program did not match what was sold * Proof that I was removed from access after disputing * A detailed explanation of my experience Despite this, American Express denied my dispute, relying solely on the merchants contract and not addressing the underlying issue of misrepresentation and non-delivery of services. This is not a matter of dissatisfaction. This is a case where : * The service was misrepresented at the time of sale * The service delivered did not match what was promised * Access to the service was revoked after the dispute American Express failed to properly investigate these facts and did not provide the level of consumer protection I expected after 36 years as a cardmember. I am requesting that this dispute be reviewed again based on the full facts and that appropriate action be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: FL

Complaint narrative:
I discovered fraud in my US Bank account ( XXXX XXXXXXXX ) during the month of XX/XX/year> as follows : XXXX ) XX/XX/year> : Ext Tfr Withdrawal - Trn # XXXX, Amount {$900.00} XXXX ) XX/XX/year> : XXXX XXXX XXXX XXXX to XXXX XXXX, XXXX ID XXXX, Amount {$1000.00} I opened a fraud investigation twice on these charges and both times the bank denied the fraud claim. The bank locked me out of the account. The bank provided the bank statement, and then the denial letter. I have tried to investigate how and why the bank denied these charges and the basis for the denial. I have not been successful in getting my money back or getting details so that I can pursue the fraudster myself. I do not have a history of those types of merchant transactions. I have never sent a XXXX pay to that merchant nor to I recognize the merchant. The external transfer is also fraud and there is no history with that type of transfer. I have tried to reach out to XXXX and the XXXX XXXX merchant on several occasions but both have not assisted and said that it is a bank issue. I was told that the phone numbers changed on my account. I never changed phone numbers. I typically received alerts about changes to my private information but that never occurred. During the same time, my personal account with another bank was compromised. That bank XXXX XXXX XXXX and they recognized and appropriately remedied the fraud. US Bank refuses to recompense me. I would like to get my money that was taken fraudulently returned. Case # s include : XXXX, XXXX, XXXX I have called and tried to address these withdrawals with the fraud department amicably several times. I have been hung up on, transferred, and otherwise ignored. They make it seem as if I did something wrong. Having {$1900.00} fraudulently taken from my account is a big deal for me. US Bank has basically said too bad, too sad for me. I need your help. Thank you. Copies of statements, emails and letters created to address this issue is available upon request.

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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: KY

Complaint narrative:
I opened a credit card processing account with XXXX and submitted all required paperwork and after a week of processing they requested additional information. I am a small business run out of my house and they wanted a picture of my corporate office with the name on the building or a warehouse lease. I told them they never requested that prior to opening the account and I dont have that as I am a small business. They then froze my money. I offered to send my bank statements, federal XXXX number, I took pictures of my inventory and it still wasnt enough.

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 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: A.R.M. Solutions, Inc.
State: TX

Complaint narrative:
A.R.M Solutions contacting me on XXXX XX/XX/year> at XXXX XXXX and then again on XXXX XX/XX/year> at XXXX XXXX. That is within 7 days of contact as well as in the messages, they have listed the amount of debt, the original company the debt is with, and that they are a debt collector. All of which they have given to a number that has not been used to communicate with them, thus violating my privacy and the fact that they can not tell third parties which texting a unknown number all this information violates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
Formal Dispute & Complaint Letter To : First Citizens Bank Fraud Operations/ Dispute Department Date : XX/XX/XXXX Subject : Formal Reconsideration of Fraud Claim and Notice of Regulation E Violation Account Holder : XXXX XXXX Account Number : XXXX Claim Number : Reference Number for the Denied Claim-DB XXXX XXXX XXXX To the Dispute Department , I am writing to formally contest the denial of my recent fraud claim regarding unauthorized transactions on my account. I am requesting an immediate secondary investigation and a written explanation of the evidence used to justify this denial, as is my right under Electronic Fund Transfer Act ( Regulation E ). I maintain that these transactions were unauthorized based on the following facts : Physical Impossibility : I have been traveling through XXXX XXXX since late XXXX. I noticed these charges while in XXXX XXXX and am currently located in XXXX. A review of my accounts login and activity logs will confirm my consistent international location. The transactions in question occurred in a different geographic region, making it physically impossible for me to have executed them. Lack of Accessibility : My ability to monitor this account has been severely hampered by your institutions security protocols. Your online banking system requires a domestic phone number for verification. As an international traveler using eSIMs, I do not have access to a consistent U.S. phone number. Despite my primary bank offering email verification as a secure alternative, your banks refusal to provide an accessible verification method prevented me from identifying and stopping these charges sooner. Inactivity : I do not use this account for daily transactions. The sudden appearance of multiple charges is entirely inconsistent with my established spending patterns. The denial of this claim has resulted in a negative balance of $ XXXX. I expect any overdraft fees or penalties resulting from these fraudulent charges to be waived immediately, as I should not be held liable for a deficit caused by unauthorized activity. Under Regulation E, the burden of proof lies with the financial institution to demonstrate that a challenged transaction was authorized. I am prepared to provide copies of my passport stamps or GPS logs to verify my location during the period the fraud occurred. I look forward to a resolution within the timeframe mandated by federal law. Sincerely, XXXX XXXX XXXX XXXX Current Phone/XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Dispute filed on a unauthorized " XXXX '' company transaction. Dispute as I have just found out had been approved by XXXX but was actually charged back to my account which always carries a XXXX balance. I reviewed my statement only to find they added the charge plus added fees. I have been financially harmed because of this. I also have another XXXX account which had a XXXX balance and they added erroneous charges and fees bringing a XXXX balance to showing I owed. It took almost 3 months for them to resolve this, there seems to be continued acts of fraud by XXXX doing this type of activity to accounts. These are completely different branded cards, issued by XXXX. This is NOT a coincidence. Please investigate this as I am sure there are thousands of others being targeted by these practices

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
My information was compromised online, I have no knowledge Of this company or the recipient that received the funds from my account. These people are from XXXX and you can clearly see that this is fraud. My financial institute Navy Federal is refusing to honor their FDIC policy and fix this issue due to this being a money wire company. I do not know who or what this company is. I didnt give my information to this company. Navy Federal told me the charges were caught in time and was canceled. I received confirmation that my bank declined the charges. Navy federal slack of communication with other internal department still allowed these payments to go through. I also called and confirmed that I should not have anymore issues. Then to now receive not only the money taken from my account again by Navy Federal but to accrue overdraft fees for fraudulent charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On XX/XX/year>, I am filing this formal complaint because Robinhood is obstructing my access to the Robinhood XXXX Card through a series of documented technical failures and contradictory support instructions. I have a hard deadline of XX/XX/year>, to finalize my identity verification, and I have been attempting to resolve this for over 6 days without success. The core issues are as follows : 1. Outdated Records & Technical Loop : My identity verification is failing because Robinhood is attempting to verify me using an old, disconnected phone number. I have already proactively updated my credit file with XXXX to reflect my current contact information, yet Robinhoods system refuses to recognize the update or refresh the data. 2. Broken Promises & Deceptive Support : I have spoken with multiple representatives who explicitly promised that a specialist would call my NEW number ( ending in XXXX ) to complete the verification. I have documentation of these promises. Despite this, Robinhood continues to attempt contact via the old, disconnected number and then sends automated emails claiming they 'could not reach me. ' 3. Managerial Negligence : Today, XX/XX/XXXX, I escalated this matter to a Support Manager named XXXX. Despite being informed of the XX/XX/XXXX deadline and the repeated failures of previous agents, the manager refused to perform a manual override or provide a secure ID upload link. Instead, she ended the live session and moved the issue back to a generic email queue, which has already proven ineffective for the last 6 days. This conduct constitutes a UDAAP violation ( Unfair, Deceptive, or Abusive Acts or Practices ) under the Consumer Financial Protection Act. Robinhood is causing me significant harm by locking me out of a credit product through internal negligence and deceptive

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Hello. Hope this can help. We were gifted a XXXX XXXX XXXX card for XXXX . We have never been able to use it or activate it. When we call the company says to activate the card the need us to send them a picture of the front and back of our driver 's license, and our SSN. this feels like a scam. The card was pre loaded? A gift. I shouldn't have to provide confidential information to a 3rd party.

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 2026-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a member of the Florida Bar ( Bar No. : XXXX ) and this morning, XX/XX/year>, I discovered that two unauthorized withdrawals totaling {$1100.00} ( {$390.00} and {$790.00} ) were taken from my XXXX Account at XXXX XXXX XXXX and used to pay Capital One Credit Cards belonging to XXXX XXXX XXXX The person that stole the money appears to be XXXX XXXX XXXX ... See attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or around XX/XX/year>, a forged check for {$800.00} was cashed against my Chase checking account without my authorization. I discovered the fraud on XX/XX/year>, and reported it to Chase immediately. Chase has denied my fraud claim, stating I am liable because I failed to report lost or stolen checks. However, I never received confirmation that the checks in question were ordered or delivered to me. I had no knowledge that these checks existed or were in circulation, and therefore had no basis to report them missing. Chase paid on a forged signature, which under the UCC is the banks responsibility to detect. I am requesting a full reimbursement of {$800.00} and a reversal of their liability determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Improper denial of billing dispute failure to apply consumer protection standards I am submitting a complaint regarding the handling of a billing dispute by my credit card issuer, BMO. Beginning on XX/XX/year>, I made a series of payments to a merchant, XXXX XXXX House ( XXXX XXXX XXXX ), for trading education and related services. Over time, multiple charges were incurred through credit card transactions, many of which were not clearly disclosed, not properly authorized as presented, or were supported only by invoices generated significantly after the fact. I made repeated requests to the merchant for a complete and itemized accounting of all charges. No such accounting was ever provided. A formal dispute was submitted to BMO within the applicable timeframe for several of these transactions. I provided extensive documentation, including : Credit card statements XXXX transaction records Merchant communications Evidence showing lack of service delivery and billing transparency Despite this, BMO denied the dispute. I was informed that the denial was based primarily on the absence of a signed contract with the merchant. This rationale is improper. My dispute was based on : Services not rendered as represented Charges not properly authorized as presented Failure of the merchant to provide itemized billing upon request A signed contract is not required for a valid billing dispute under these circumstances. The documentation provided clearly demonstrates that the charges are disputed due to non-delivery and lack of transparency. BMO failed to properly evaluate the substance of the dispute and instead relied on the absence of a signed contract, which does not resolve the underlying billing error. I am requesting that BMO : Reopen and fully investigate the disputed transactions Evaluate the dispute based on the evidence provided, including non-delivery of services and lack of billing transparency Provide a written explanation addressing the specific issues raised, rather than relying solely on the absence of a signed contract This complaint concerns a failure to properly apply consumer billing protections and a failure to conduct a reasonable investigation of a documented dispute.

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 2026-04-29 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: FL

Complaint narrative:
I am filing this complaint against Wells Fargo regarding unauthorized debit card transactions totaling {$4600.00}. On or around XX/XX/2026, I discovered multiple transactions that I did not make or authorize. I reported this immediately to Wells Fargo and clearly stated that these charges were unauthorized. Since then, I have contacted the bank multiple times, including speaking with representatives, visiting a branch in person, and escalating to supervisors. At the time these transactions occurred, my wallet was missing, which included my debit card and identification. Additionally, XXXX of my XXXX devices, which had my card information saved through XXXX XXXX, could not be located. I did not have access to all of my devices during this time. Despite providing this information, Wells Fargo has denied my claim twice, stating that the transactions appear authorized. I have consistently stated that I did not authorize any of these transactions, regardless of what device or location may be shown in their system. I also contacted my local police department regarding this situation and was advised to proceed directly through my bank for handling unauthorized transactions. I have followed that guidance and fully cooperated with Wells Fargos process. I have also opened a case with XXXX to review device and account activity related to these transactions. These charges are not consistent with my normal spending behavior, and I was not alerted to any suspicious activity. This raises serious concerns about Wells Fargos fraud detection and how my claim has been handled. This situation has now caused immediate financial hardship. I do not have access to the majority of my funds, and I have essential bills, including rent, that are due immediately. I am requesting that Wells Fargo : 1. Immediately provide provisional credit for the full disputed amount 2. Conduct a proper reinvestigation of these transactions as unauthorized under Regulation E 3. Provide a clear explanation for why my claim was denied despite my repeated statements 4. Expedite resolution due to financial hardship This matter is urgent and requires immediate attention.

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