vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 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:
I did not receive a fraud alert for XXXX purchases made on my capital one business card. I was alerted to the purchases by my office XXXX the next morning. XX/XX/XXXX. Called the fraud department. Temporary credit given. Investigation started. 
XX/XX/XXXX. I was made aware that my investigation was concluded and that I am liable for these fraudulent transactions. I called the credit card company two separate times to speak to a supervisor in the fraud department only be to be told that my case was closed and that I had no recourse so then I took it upon myself to call XXXX where I was informed that the fraudsters opened up XXXX separate guest accounts on XXXX, completed the purchase using my fraudulent information including my address, and then called XXXX to change the shipping address to XXXX different homes so you see I never made these purchases nor that I receive them. This is complete organized fraud of which I have proof that I will include to you via pictures and order numbers. Youll clearly see that these XXXX purchases were delivered to XXXX different people using XXXX XXXX accounts using my information. The fraudsters then contacted XXXX and changed the shipping address from my home to XXXX different addresses. I am a business owner and use my card for business transactions. I dont have a XXXX XXXX history showing random pokemon card purchases I am formally requesting that the credit card XXXX XXXX their investigation and make me hold on these purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Someone took over my bank accounts and created new one under my SSN and name and altered my deposit to there account they created

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this formal written dispute and request for corrective review regarding the servicing, accounting, and forgiveness crediting of my federal student loan accounts currently serviced by Nelnet on behalf of the XXXX XXXX XXXX. 
My federal student loans originated as early as the XXXX and continued through approximately XXXX, totaling XXXX ( XXXX ) individual loans. These loans have been transferred among multiple servicers over several decades and were later consolidated. I entered into a loan forgiveness and/or income-driven repayment program approximately XXXX  years ago with a prior servicer. 
The loans at issue include, but are not limited to, the loan groups currently identified on my Nelnet account ( Account XXXX. XXXX ), including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as any predecessor loan numbers or identifiers associated with these loans prior to consolidation or servicing transfer. 
Due to the age of these loans and repeated servicer transfers, I no longer possess personal records from the earliest servicing periods. Under federal law, however, the burden of maintaining accurate and complete loan records rests with the lender and the XXXX XXXX  XXXX XXXX the borrowerparticularly where loans have been federally owned, assigned, or serviced by multiple contractors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Skrill USA, Inc.
State: WI

Complaint narrative:
On XXXX  XX/XX/year> at XXXX pm I deposited {$200.00} cash on my XXXX  account at XXXX XXXX in XXXX, XXXX  they charge {$2.00} fee so {$190.00} was totally to be added. I have used this service in the past and it would take XXXX to XXXX minutes sometimes it was within seconds this particular time by the time I walk to my truck and left XXXX it still hadn't hit my account once I got home at XXXX pm I got a message saying my deposit failed. I got a receipt from XXXX XXXX with the approval and activation notice of it going through. ( Attached receipt ) myself and the employee that assisted me contacted their financial department we learned that everything went through on their part the following day I called XXXX and they opened a ticket and said they would get back to me well XXXX or XXXX hours went by and I contacted them again they put an urgent note on my ticket that was created I learned in that phone call that this happened to a few other people putting cash on their card and not getting the money. I also was told I was going to get a phone call from the supervisor and never received this phone call but got an email saying they tried to call me which I have my phone with me XXXX it is now XXXX  and I have got nowhere with this company but run around

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a notice in the mail from US Bank that my account was overdrawn. I do not have an account with US Bank. Apparently someone fraudulently opened an account online in XXXX with US Bank in my name. The account is overdrawn by {$6500.00}. I am working with the bank to resolve this. I have reported this to the credit reporting agencies and placed a freeze on my credit accounts. The bank suggested I report this with the FTC which directed me to you.

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 2026-01-28 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: AZ

Complaint narrative:
I engaged merchant, XXXX XXXX XXXX to perform comprehensive tax preparation and related services covering tax years XXXX through XXXX. These services were required to result in completed, XXXXXXXX XXXX XXXX. Tax year XXXX was extended to an XX/XX/XXXX filing deadline, which the merchant failed to meet. 

The merchant did not deliver completed or usable work product for any of the covered tax years. Instead, the merchant provided only incomplete drafts, estimates, and preliminary materials that were explicitly rejected as inaccurate and unusable. No finalized, verifiable, or contemporaneous documentation demonstrating completed services was ever delivered. 

Due to this non-delivery, I disputed multiple related credit card charges with Capital One, as well as associated ACH withdrawals, all tied to the same undelivered services. These disputes involved multiple transactions across several billing periods. 

Capital One fragmented the disputes into separate cases and failed to conduct a cohesive investigation across the full scope of related credit card and ACH transactions. Capital One accepted the merchants submission of drafts and preliminary materials as evidence of services rendered and denied multiple disputes, despite the absence of completed services and the missed XX/XX/XXXX filing deadline. 

I repeatedly requested verifiable, contemporaneous proof that the merchant actually performed and delivered the contracted services, as well as Capital Ones complete dispute investigation files and an explanation of the factual and procedural basis for denying the disputes and releasing funds. Capital One did not provide this information.

Capital Ones handling of these matters reflects procedural deficiencies in its dispute investigation process and a failure to properly evaluate non-delivery of contracted services across multiple related transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi bank sold my account to XXXX XXXX while the account was in 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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Chime Financial Inc
State: CA

Complaint narrative:
b'these people dont even understand XXXX! I CANT FIX A PROBLEM IF THEY DONT UNDERSTAND XXXX!!!!!!'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
I have a Brokerage Access checking account from XXXX XXXX XXXX. The funds available for access are held with XXXX XXXX XXXX. XXXX closed the account sometime after XX/XX/XXXX. XXXX XX/XX/XXXX I wrote 2 checks that " Bounced ''. I was not aware that they had not been processed until mid XXXX when I got a late notice for a tax payment due XX/XX/XXXX. I was unaware at this time where the funds were held. I contacted XXXX to find the cause of the problem. It was not until the XXXX of XXXX that I learned the problem originated with XXXX where someone closed the checking account. I do not write many checks yearly but it is necessary that I have a checking account. I have been assured that the account has been restored. I wanted to make the Bureau aware of the issue with the bank just closing an account without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
Domestic wire transfer Transfer initiated date : XX/XX/2026 XXXX XXXX  EST Amount : {$7500.00} Sending bank : citizensbank Receiving Bank : XXXX XXXX  XXXX reference number : XXXX Sending bank agent saying its cleared from their side on XX/XX/2026 around XXXX XXXX  EST. But XXXX XXXX  saying they didn't receive anything and not able to do anything from receiving bank side. 

Sender keep on calling sending bank. They saying same status as cleared from their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: MD

Complaint narrative:
XX/XX/XXXX was my bi weekly pay, this is not my first time receiving my paycheck through them. I went to check if my employer has sent my check and my work app ( workday ) confirmed my employer did there part on their end but my bank ( U.S Bank ) stated I needed to verify my identity I submitted the needed documentation my birth certificate and social security number through documentation under there identity verification section they was supposed to to review and confirm my identity in 1-2 days it has b done a week and I have not received my money. I originally got with this bank during XXXX XXXX  called XXXX, I am a XXXX  they gave us XXXX  these free pre paid bank cards under our names and I have never had a problem until now, I am XXXX XXXX XXXX, I would like my money I work for or I will follow a higher complaint.

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 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Deceptive AutoPay UI, Misleading Billing Statements, and Aggressive Collection Practices -- -- -- I am filing a formal complaint against the bank regarding deceptive user interface ( UI ) designs, misleading billing data, and aggressive collection tactics on an account that I have fully paid.

-- -- 1. The Root Cause : Deceptive UI ( XX/XX/XXXX ) The issue began in XX/XX/XXXX due to the bank 's ambiguous AutoPay setup. This " Dark Pattern '' caused an initial underpayment, triggering approximately {$130.00} in interest and a {$29.00} late fee. 
-- -- 2. Misleading Statement Data ( XX/XX/XXXX ) In XX/XX/XXXX, I manually paid {$6500.00} to clear the balance. My subsequent statement explicitly displayed " Interest Charged : {$0.00} ''. This provided a false confirmation that my account 's grace period was restored. Relying on this misleading data, I continued to use the card for significant expenses ( e.g., rent payments ). In reality, the bank was accruing hidden trailing interest in the background.

-- - 3. Silent AutoPay Failure ( XX/XX/XXXX ) Because I made a manual payment in XXXX, the bank 's system logic silently disabled or skipped the scheduled AutoPay for XX/XX/XXXX without sending any warning or notification. This obscure system logic caused a missed payment, resulting in a " Past Due '' status, another {$29.00} late fee, and {$96.00} in interest charges.

-- -- 4. Aggressive Collection Tactics ( XX/XX/XXXX ) Upon discovering the error on XX/XX/XXXX, I voluntarily paid the full outstanding balance of {$6200.00} immediately to cure the account. I then called customer service to resolve the fee dispute but was routed to the Collection Department. The agent was rude, refused to listen to the technical UI issues, and aggressively demanded an additional payment of {$76.00} to stop " trailing interest '' from accruing further. Under duress, I paid this amount during the call to stop the predatory billing cycle.

-- -- Summary of Harm : I am a high-income professional with ample liquidity and a history of on-time payments. I have now paid 100 % of the balance plus all disputed fees. These charges are solely the result of the bank 's confusing payment interface, failure to transparently disclose interest status, and failure to notify me of AutoPay suspension. I request a full refund of all fees and interest ( $ XXXX ) derived from these deceptive practices.

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 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mullooly Jeffrey Rooney & Flynn
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX Date Mullooly, Jeffrey Rooney & FLYNN LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : XXXX To Whom It May Concern, I am requesting written validation of the alleged debt referenced above. This correspondence is not an admission of liability {$9800.00} XXXX  XXXX XXXX Under the Fair Debt Collection Practices Act, I am requesting verification of this debt, including but not limited to : 1. Proof that I am legally obligated to pay the alleged balance 2. The name of the original creditor and complete account history 3. A detailed accounting of the amount claimed 4. Copies of any contracts, agreements, or statements bearing my name 5. Proof that your firm is licensed and authorized to collect this debt in New Jersey Please note that all collection efforts must cease until proper validation is provided. Any failure to comply will be documented.

I appreciate your prompt attention to this request. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I went to PNC bank, XXXX XXXX XXXX, XXXX, OH XXXX, on XX/XX/year> to do two international wire transfers to XXXX for my aunt and cousin with {$19000.00} each. My cousin checked with her bank in XXXX on XX/XX/year> that the wire transfers never reached XXXX. I went to PNC bank on XX/XX/year> and found out that the XXXX  XXXX XXXX ( XXXX  ) is the intermediary bank that did the international wire. And XXXX rejected the wire transfer request. No rejection reason was given on that day. The clerk at PNC bank asked me whether I wanted to recall the wire transfer and I said yes. On XX/XX/year> I went back to PNC bank and was told the XXXX hasn't responded to the recall request. On that day I filed a complaint against XXXX. But yesterday after I talked to an agent at XXXX  I found out that 1 ) XXXX  rejected the wire because PNC provided an incorrect routing number and that rejection was made on XX/XX/year>. On XX/XX/year> XXXX  sent a case note XXXX XXXX to PNC and this information was not given to me. The wire transfer team in PNC are incompetent and refused to acknowledge that they are holding my money with no good reasons. It is this reason that I want to file a complaint against them. It has been 23 days and I still have not received my {$38000.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
They are not honoring all the forms they requested. They are fully aware that the funds are all in cash, but because they do not maintain accurate books and records. nor do they update their information about their depositors. they are unable to request the funds or transfer the funds. They failed to maintain current Books and Records and they Failed to maintain KYC -Know Your Customer. Both of these I believe are violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Activehours
State: OR

Complaint narrative:
I am submitting this formal complaint regarding the ongoing and repeated issues with the repayment withdrawal dates associated with my account. Despite multiple attempts on my part to correct these errors and ensure withdrawals occur on the agreed upon dates, your system continues to override the manually set dates and debit my account incorrectly. This pattern has caused severe financial harm, repeated overdraft fees, emotional distress, and what can reasonably be described as predatory behavior toward individuals who are already financially vulnerable. 
________________________________________ Documented Pattern of Harm Below is the full list of overdraft fees directly caused by withdrawals being taken on incorrect dates, despite my attempts to correct the errors : XXXX XX/XX/XXXX XXXX overdraft fees XX/XX/XXXX XXXX overdraft fees XX/XX/XXXX Reached out due to incorrect repayment date XX/XX/XXXX XXXX overdraft fees XX/XX/XXXX Contacted again regarding incorrect repayment date XX/XX/XXXX XXXX overdraft fees XX/XX/XXXX XXXX overdraft fees XX/XX/XXXX XXXX overdraft fees XXXX XX/XX/XXXX XXXX overdraft fees XX/XX/XXXX Reached out ; was told the repayment date could not be corrected XX/XX/XXXX XXXX overdraft fees Total overdraft fees caused by these errors : XXXX. 
________________________________________ Financial and Emotional Impact Your systems failure to honor the agreed-upon withdrawal dates has repeatedly caused funds to be taken when they were not available, resulting in dozens of overdraft fees. These fees have created extreme financial strain, making it increasingly difficult to stay current with other essential expenses such as rent, utilities, and groceries. 
In addition to the monetary harm, the repeated unexpected debits have caused significant emotional XXXX XXXX XXXX XXXX  surrounding my finances. I have made consistent efforts to correct the repayment schedule, yet each time your system overrides the manual correction, I am subjected to further financial penalties through no fault of my own. 
________________________________________ Concerns About Predatory Behavior A system that repeatedly : Overrides agreed-upon repayment dates, Debits funds on incorrect days despite corrections, Refuses to adjust dates when notified, And continues to impose financial penalties on customers already struggling, can reasonably be viewed as predatory, especially when the burden of these errors falls disproportionately on individuals who are financially vulnerable. 
No customer should be placed in a cycle of harm created by system glitches, manual errors, or refusal to correct known issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My CareCredit/Synchrony Bank account ( last XXXX : XXXX ) was closed without proper notice, and the reason given for the closure is false and inaccurate. I have been making monthly payments, yet Synchrony labeled the account as high risk and closed it for failure to pay, which is not true. When I called, the representative said a closure letter was mailed on XXXX, but I never received anything. I only learned of the closure when I called in myself. Synchrony failed to provide required adverse action notice and created false and harmful information about my account.

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