vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
" I am filing this complaint regarding XXXX Chase credit card accounts ( ending in XXXX and XXXX ) and Chase 's repeated failure to provide any hardship assistance despite my long-standing customer relationship and current financial hardship. I have been a Chase customer for over 20 years, including accounts that predated Chase 's acquisition of previous card issuers. My husband is currently on XXXX and I am the sole income provider for our household. I am experiencing temporary financial hardship and have made multiple attempts to seek relief from Chase. Prior to my most recent contact, I had previously reached out to Chase via email requesting XXXX reduction or hardship assistance on these accounts. Those requests were also denied without any meaningful accommodation or alternative offered. On XX/XX/year> at approximately XXXX XXXX, I called Chase 's customer service to again request a temporary XXXX reduction or enrollment in a hardship program on both accounts. During my first call, I was hung up on by the representative before my request could even be addressed. I called back a second time, navigated the full automated phone system again, and was ultimately told I do not qualify for any hardship plans, rate reductions, or temporary assistance of any kind. I was once again directed to seek outside credit counseling as the only option. This outcome is unreasonable given the following : My combined balance across both accounts is approximately {$3000.00} a modest amount relative to my history Account ending XXXX carries a 29.99 % XXXX Account ending XXXX carries an XXXX between XXXX XXXX and XXXX XXXX I have maintained this customer relationship for over XXXX years I have made multiple attempts through different channels both email and phone and been denied each time I am not requesting debt forgiveness only a temporary XXXX reduction during a documented hardship period Being hung up on, forced to call back and repeat the entire process, and then denied any accommodation on a {$3000.00} combined balance after XXXX years of loyalty is unacceptable. The pattern of denial across multiple contacts and channels demonstrates a systemic unwillingness to work with long-term customers experiencing genuine hardship. These interest rates on a small balance during a hardship period constitute a significant financial burden on a household with a single income and a XXXX spouse. I am requesting that Chase reconsider and provide a temporary APR reduction and/or hardship program enrollment on both accounts for a period of XXXX to XXXX months. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have disputed these companies and they still havent sent verifiable proof that this debt is mine. They are violating my FCRA rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
This is a follow-up regarding Ally Banks response to my complaint. The response provided is vague and fails to address the disposition of the {$19000.00} being held. Stating that the funds will be processed in accordance with the law without identifying the law, timeline, or outcome is not a sufficient explanation. If the check has been determined to be fraudulent, then Ally necessarily has sufficient information to identify the originating institution and return the funds. If the funds can not be returned, then they should not continue to be withheld. Ally must clarify, in writing : * Whether the funds are being returned or released * The legal basis for continued holding of the funds * The current status and location of the funds * The basis and documentation supporting any fraud determination Directing me to call does not resolve this matter. I am requesting a complete written response through the Consumer Financial Protection Bureau portal. If Ally is unable to return the funds to the originating account, I request their immediate release.

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 2026-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit
State: VA

Complaint narrative:
I am disputing a {$250.00} excess wear and tear charge assessed at the end of my vehicle lease. I returned my leased vehicle on XX/XX/year>. No inspection was conducted in my presence at the time of return, and I was not provided with a condition report documenting the vehicles status when I relinquished possession. The inspection used to assess this charge was conducted on XX/XX/XXXX, XXXX days after I returned the vehicle. During this period, the vehicle was no longer in my possession or control. Because there was no contemporaneous inspection at the time of return, and no documentation establishing the vehicles condition on XX/XX/XXXX, I can not verify that the alleged damage occurred while the vehicle was in my possession. The inspection report itself notes that the lessee was not present. I raised this concern directly with XXXX XXXX XXXX and requested documentation establishing the condition of the vehicle at the time of return. They did not provide such documentation and instead stated that the charges are valid based on the delayed inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
By mistake, XXXX XXXX XXXX charged my Capital One Credit Card {$2800.00} on or about XX/XX/year>. I contacted the merchant to remove the charge because the services were no longer needed by me and about to expire as of XX/XX/year>. XXXX told me on phone call this would no problem, they would correct the issue and have the {$2800.00} refunded to me. Unfortunately, someone at the merchant made a mistake and sent wrong documents to Capital One. Capital One told me " consumer responsible ''. I contacted merchant again who told me that I was not responsible for {$2800.00} and sent me an email stating that I would receive a refund. I again contacted XXXX who told be to send documents to them via a link. I complied. They told me wrong documents. I then sent Capital One the email I received from merchant stating, refund due to me. I sent this to Capital One. Capital One is still refusing to refund my {$2800.00}. XXXX XXXX, the merchant, agrees with my claim but can not force Capital One to comply and issue the refund. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I am in receipt of your communication regarding the above-referenced account. I am requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I dispute this debt in its entirety and request that you provide proper validation. Please provide the following : 1. The name and address of the original creditor ; 2. The full amount of the alleged debt, including an itemization of any interest, fees, or charges ; 3. Copies of any documents bearing my signature showing that I agreed to this debt ; 4. Proof that your company is authorized to collect on this debt ; 5. Proof of the date of default and that the debt is within the applicable statute of limitations. Pending your response, you must cease collection efforts and reporting of this debt to any credit reporting agencies. If you fail to comply with this request, I will consider filing complaints with the Consumer Financial Protection Bureau and the Federal Trade Commission, and I will evaluate my legal options. All future communication regarding this matter must be in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I was contacted by Bridgecrest regarding my account. Prior to this call, I had already made a same day debit payment, which was visible as pending in my account. During the call, the initial representative repeatedly dismissed my statement about the payment and incorrectly told me that my app was not updated without properly checking for pending transactions. I had to request escalation to receive accurate information. When the call was escalated, the supervisor confirmed that my payment was in fact pending and visible. However, instead of focusing on my current account status and the reason for my inquiry, the supervisor shifted the conversation to my past payment history. Despite me clearly stating that I was not disputing anything and was only seeking clarification about my current payment and account status, the supervisor proceeded to reference multiple past returned payments, late fees, and periods of delinquency. This information was presented in a way that felt unnecessary, dismissive, and not relevant to my question. I have been actively working over the past two months to bring my account current, including making additional payments. The interaction felt judgmental and not solution oriented, especially given that I had already taken action to resolve the issue prior to being contacted. Additionally, I raised a concern about the verification process, as I was only asked to confirm my name before account details were discussed. When I questioned whether additional verification should be required, I was told their system does not prompt for anything further. When I expressed concern, the supervisor responded in a dismissive manner and stated that she could not tell me how to do my job and that I should not tell her how to do hers. This response felt unprofessional and did not address my security concern. I was also advised, in a manner that felt more like a warning than a clear explanation, that my ability to use my bank account for payments may be restricted due to past returned payments. While I understand policies, this was not communicated in a professional or helpful way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
This is a follow up for complain XXXX. The bank said that payment with due date on XX/XX/XXXX was paid in XXXX. Then why the payment was in suspense? See attachment for details. Why the payment has not been applied to principal in XXXX? Why is there a late fee charge if payment is received before the due date?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: NY

Complaint narrative:
I am a long-time Chase Bank customer and am requesting assistance with an ACH debit dispute that the bank has refused to process. On XX/XX/year>, an ACH debit in the amount of {$630.00} was withdrawn from my Chase checking account and paid to XXXX XXXX XXXX for a group travel program ( XXXX trip organized through XXXX XXXXXXXX XXXX ). This payment was for services that were scheduled to occur in the future. On or about XX/XX/year>, I was notified by the company that they have ceased operations effective immediately and are entering XXXX XXXX XXXX. As a result, the services I paid for will not be provided. I contacted Chase Bank to dispute this transaction on the basis of services not rendered / merchant non-performance. Despite explaining the situation and offering to provide documentation ( including written notice from the company confirming they are no longer operating ), I was told multiple times that nothing can be done and that they could not even open a claim or escalate the matter. I understand the transaction was authorized at the time ; however, this is a clear case where the merchant has failed to deliver the promised services due to ceasing operations. I am requesting that Chase review this situation under applicable consumer protection regulations ( including Regulation E ) and allow a formal claim to be opened and investigated. I would also like clarification on Chases policies regarding ACH disputes in cases of merchant bankruptcy and non-delivery of services, as I was not provided with any meaningful assistance or escalation path. I am requesting : That Chase open and review a formal claim for this transaction That the matter be escalated for further investigation That I be provided with a written explanation of my rights and any potential recourse available Thank you for your time and assistance in reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My cat was XXXX so I used credit care and synchrony bank.. first mistake! As my cat was in the vet XXXX I was not able to fully understand that the amount I financed was a promotion deal and now they have lowered my credit limit and caused my credit to shoot down about XXXX points! I was not informed and was told it was in my statements of th app if I scrolled down to the bottom, however 1 was not notified via email nor by mail about any changes! I tried to call and got an extremely rude agent, they said there is nothing they can do and since the promotion ended I have 30 days to pay {$1600.00}. I explained that at the time my cat was XXXX and the gentleman stated I heard you l understand you said your cat was XXXX 3 times .. just not compassion and I really did not understand what I signed up for due to it being a difficult situation in the vets and an unexpected death of my cat. Credit care and Synchrony are a scam and horrible option!! If you can avoid it never choose them!! I wish I hadn't and read the reviews first but my cat was XXXX so they got over on me! smh PLEASE AVOID CREDIT CARE AND SYNCHRONY AT ALL COST, WORSE FINANCE I'VE EVER DONE! THEY SHOULD NOT EVEN BE A COMPANY ANYMORE! They did not care and did not provide alternative options and it is now effecting my credit for the amount financed.. I originally financed XXXX and theyve changed the amount limit on me 3 times in the past year! Ive never had a financial institution have a promotion on what I am financing and they are only giving me 30 days to settle the amount of {$1600.00}!! Total scam and rude business! Ive also read on like many people saying the same thing and it saddens me as this is a health care card for those who need funds for their health or a pet, so to treat those who are having a hard time and needed assistance for health reasons seems inhumane and sad .. almost like they are praying on those in time of need.

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint regarding Chase Banks handling of two disputed XXXX transfers totaling {$1900.00}. These transfers occurred after my phone and wallet were stolen while I was traveling abroad. Immediately afterward, multiple financial and digital accounts showed unauthorized access and suspicious activity. Timeline : - XX/XX/year> : claim filed with Chase - XX/XX/year> : claim denied/closed - XX/XX/XXXX and XX/XX/year> : substantial supplemental evidence submitted for reconsideration - XX/XX/year> : denial letter issued The supplemental evidence included : - XXXX XXXX XXXX resolved related fraud transfers from the same incident - XXXX later determined related transactions were unauthorized and refunded - account compromise evidence - official reports and timeline documentation I do not believe Chase properly reviewed the later supplemental evidence before maintaining denial. These transfers were not voluntarily initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
After receiving documentation from XXXX XXXX on XX/XX/year> as a result of my dispute. I am filing a complaint regarding my XXXX XXXX credit account and the handling of incorrect late payment reporting, a reversed dispute, and an unjustified reduction of my available credit. I have been a loyal XXXX XXXX customer for over 16 years and have never had a history of late payments. Recently, XXXX XXXX falsely reported me to the credit bureaus as being 30 days late over a {$2.00} charge, along with an additional {$5.00} charge that I did not recognize. I had already paid my account in full, in excess of the required amount, before the 30-day cycle, and there should not have been any late payment reporting. This is a regular practice of XXXX XXXX, which is why I didnt pay attention thinking it was a usual delay. Because of this error, my credit was negatively impacted, and I was forced to dispute the reporting with the credit bureaus not once, but twice. Although the negative reporting was eventually removed after my dispute was resolved, XXXX XXXX then reduced my available credit limit from {$1600.00} to only {$350.00}. This action feels retaliatory and unfair, especially considering their reporting error caused the issue in the first place. A {$350.00} credit limit is not practical, and this reduction continues to negatively affect my credit utilization and overall credit profile. I am still dealing with the impact of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
XXXX DRS in the amount of XXXX has been place on my credit reports XXXX XXXX XXXX XXXX and I do not have or ever had an account with this company. I do not know who or what this is. Please delete from my records. DRS XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX, 2026

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX Credit Card XXXX and Lack of Communication by Chase Bank XXXX of the issue : My name is XXXX XXXX. I am filing this complaint against Chase Bank regarding my credit card account, which was deactivated in XX/XX/year> without prior notice or any subsequent explanation. For over a year, I have made numerous attempts to resolve this issue through phone support and by visiting local Chase branches in person. Despite my efforts, Chase has failed to provide a reason for the deactivation or a path to reactivation. I use my Chase account for my university payroll deposits. The bank 's refusal to provide information or restore my credit line has caused significant financial inconvenience and uncertainty. As a loyal customer who directs their primary income to this institution, I find the lack of transparency and the prolonged silence to be unacceptable and potentially in violation of consumer protection standards. I have a good credit score and I'm doing my payments on time. So they can not close my account suddenly. my card number is XXXX Desired Resolution : I request that Chase Bank : Provide a clear, written explanation for the deactivation of my credit card. Conduct a formal review of my account to reactivate the card. If reactivation is denied, provide a specific legal or policy-based reason for this decision, as required under consumer banking regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: ND

Complaint narrative:
I am submitting this complaint regarding the handling of my mortgage account and the lack of response to a time-sensitive proposal submitted to the lenders XXXX Department XXXX On XX/XX/XXXX I mailed a letter containing a proposal related to my current mortgage. In addition, on XX/XX/XXXX, the same proposal was sent via fax to the XXXX Department, along with a cover sheet. Mailing and faxing were the only available methods of communication, as I do not have access to the online account portal. After submitting these documents, I did not receive any acknowledgment, follow-up communication, or decision regarding the proposal. Instead, I later received notice that my home was scheduled for auction through a Sheriffs Sale. On XX/XX/XXXX, I contacted the company to follow up and inquire about the status of the proposal and the pending sale. During that call, I was informed that nothing could be done because the auction had already been scheduled. I am deeply concerned that a timely proposal was submitted through the only available communication channels, yet no response was provided before foreclosure proceedings continued. I respectfully request a review of this matter, including whether proper consideration was given to the submitted proposal and whether appropriate communication procedures were followed.

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