vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a formal deceptive marketing and unfair business practices complaint against Capital One regarding its ultra-premium travel credit card, the XXXX XXXX. Capital One heavily markets this product with a {$500.00} " Trip XXXX Reimbursement '' benefit to entice consumers to pay a premium {$390.00} annual fee. However, Capital One and its third-party administrator ( XXXX XXXXXXXX XXXX XXXX are actively engaging in a bait-and-switch operation by enforcing hidden, unwritten internal restrictions that directly contradict their advertised policy terms. The Facts of the Dispute : On XX/XX/XXXX, I experienced a severe, XXXX overnight XXXX disruption XXXX was locked in at XXXX XXXX XXXXong before any expenses occurred. Due to this extended delay, I incurred necessary, whole-food dining expenses to sustain myself. Upon filing a claim for reimbursement under the advertised {$500.00} trip delay protection plan, XXXXXXXX XXXX administrator arbitrarily applied a secret, internal {$60.00} meal capa restriction that is completely absent from the XXXX XXXX XXXX to Benefits provided to cardholders. My claim was subsequently denied on XX/XX/XXXX, after exhausting their grueling internal appeal channels. Established Historical Precedent : Capital One 's current denial is entirely inconsistent and capricious. In XX/XX/XXXX, under the exact same Venture X policy terms, the exact same transit route, and an identical premium dining scenario, Capital One fully approved and reimbursed an itemized {$300.00} meal ( Claim XXXX XXXXXXXX ). This established a historical, operational definition of " reasonable '' expenses for this premium account. Deceptive Trade Practices : The Venture X Guide to Benefits is a standard Contract of Adhesion drafted exclusively by Capital One XXXX XXXX XXXX XXXX XXXX XXXX. Because the policy relies on the ambiguous term " reasonable '' and contains no written dollar caps on individual meals, any ambiguity must legally be interpreted in favor of the consumer 's reasonable expectations under the doctrine of contra proferentem. By collecting a {$390.00} annual fee under the guise of providing a {$500.00} travel protection benefit, but secretly allowing its administrator to enforce unwritten, fluctuating {$60.00} caps that contradict its own established claims history, Capital One is participating in systemic deceptive marketing. Resolution Requested : I have attached the complete documentation file to this complaint, including my itemized XXXX receipts, the carrier delay notifications, and the XXXX approval precedent. I request that Capital One immediately honor its marketed advertising, override this bad-faith administrative denial, and credit my account for the outstanding balance of my legitimate travel delay expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: NV

Complaint narrative:
I filed an unauthorized debit card fraud claim with Wells Fargo on XX/XX/year> ( Claim # XXXX ). As seen in my attached account screenshot, the fraud department has actively linked 144 fraudulent transactions to this claim, totaling {$5600.00} from XXXX XXXX. However, the bank has only issued a partial provisional credit of {$3700.00}. Today, Wednesday, XX/XX/XXXX, is the final mandatory 10-business-day deadline under federal Regulation E. Front-line staff are refusing to release the remaining {$1900.00}, falsely claiming the credit is fully issued. I need the bank to manually release the rest of my legally required provisional credit.

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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My name is XXXX XXXX. CITIBANK CLOSED MY CHECKING AND SAVINGS ACCOUNT ON XX/XX/year>. CITIBANK XXXX XXXX DID NOT INFORMED ME THAT THEY CLOSED MY CHECKING AND SAVINGS ACCOUNT WHEN THEY BLOCKED IT WITHOUT INFORMING ME WHY AND TOLD ME TO WAIT XXXX HOURS TO CALL BACK. I CALLED THEM AGAIN AND THEY SAID THAT THEYRE CLOSING MY ACCOUNTS, WAIT FOR A LETTER AND A PAPER CHECK TO BE MAIL TO MY HOUSE. THE XXXX DEPARTMENT AND ACCOUNT XXXX DEPARTMENT KEEP SAYING TO WAIT FOR MY CHECK TO COME IN XXXX DAYS AFTER THE ACCOUNT GOT CLOSED. ON THE LETTER, IT SAID I CAN EXPEDITE IT TO RECEIVE MY FUNDS FASTER BY CALLING. WHEN I CALLED, THEY KEEP SAYING I CANT EXPEDITE IT OR GO TO THE BRANCH. I KEEP INFORMING CITIBANK THAT I HAVE BILLS AND TICKETS TO PAY, ALSO KIDS TO TAKE CARE OF AND BIRTHDAYS COMING UP. I AM STILL RECEIVING EMAILS ABOUT THE AVAILABLE BALANCE IN MY CHECKING 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
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Admin Recovery, LLC
State: CT

Complaint narrative:
XXXX XXXX has repeatedly contacted my family members under the pretense of obtaining my contact information. However, their conduct goes beyond the limited third-party communications permitted under the Fair Debt Collection Practices Act. Specifically, XXXX XXXX contacted the same family members on XX/XX/year>, and again on XX/XX/year>. On XX/XX/XXXX, my grandmother spoke directly with a representative and provided my contact information. Despite this, XXXX XXXX continued to contact her and other family members again on XX/XX/XXXX. These communications were not made for the legitimate purpose of obtaining location information, but instead appear to have been used as a form of pressure. XXXX XXXX already has my correct contact information, including my phone number and home address. They have previously contacted me directly and sent correspondence to my residence. I have attached examples of these communications.

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 2026-05-20 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: SC

Complaint narrative:
On XX/XX/year> I purchased a birdbath from " flannel Store '' on the XXXX using XXXX which is ultimately paid via my XXXX card. On or about XX/XX/year> the XXXX website indicated the product was delivered via XXXX tracking number XXXX. After checking my front/back porch and garage door it was clear no package had been delivered. I subsequently called XXXX to inquire and was informed that since " I am not the shipper, they can not disclose who the package was addressed to or the target recipient address ''. However, XXXX did confirm that the package was not addressed to me and that the address didn't match my address. I immediately attempted to contact the seller " flannel Store '' on XXXX using their customer service portal, but the link was broken on multiple attempts. Since I could not reach the vendor directly, I initiated a credit card dispute with XXXX card and provided relevant transaction/shipping information details. Moreover, I clearly explained that the tracking details on the XXXX website clearly showed a different product ( " XXXX XXXX '' ) delivered on a porch is not my porch... After roughly a month, XXXX card issued a statement that since the vendor had provided a valid tracking number they considered the matter closed and ruled in favor of the seller. I immediately called XXXX card customer service to explain once again that while the vendor may have provided a valid tracking number, that shipment was not addressed to me, sent to my address and that the pictures on FedEx proof of delivery website clearly show a different product and differnt porch. After approximately a week, XXXX card issued a final ruling on the case again failing to recognize the shipper sent a different package to a different address and essentially told me tough luck. Yesterday I contacted XXXX to request their help and today received an email suggesting I contact FedEx for help which is ridiculous since they will not do anything since I'm not the shipper...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I paid off my total account balance ( {$890.00} ) to Synchrony Bank for my CareCredit card on XX/XX/year>, and the funds cleared my account on XX/XX/year>. I requested, using their automated phone service payment system, to pay off my account in full. After this payment was made, they have continued to charge me for something called " card insurance '' that I did not sign up for, as well as late fees for not " paying the balance ''.

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 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
PayPal closed my fraud dispute without adequately investigating the fraudulent recipient account. I am formally appealing the closure of this dispute. While I initiated this transaction, I did so under fraudulent inducement by criminals who had already gained unauthorized access to my banking accounts. This was not a voluntary, informed payment it was a payment obtained through deliberate deception and criminal manipulation. The sequence of events is as follows : Unknown fraudsters gained unauthorized access to my XXXX mobile banking application and filed fraudulent disputes on past transactions, which were processed and credited to my account, artificially inflating my balance. The fraudsters then called me from a spoofed number displaying as XXXX 's official customer service line ( XXXX ), impersonated XXXX bank representatives, and instructed me to " return '' the apparent excess funds. Believing I was complying with a legitimate request from my bank, I transferred {$7300.00} via PayPal to XXXX XXXX & More ( XXXX ) on XX/XX/year>. The account that received these funds, XXXX XXXX & More ( XXXX ), is a fraudulent account used specifically to receive stolen funds. I am requesting that PayPal freeze this account and investigate it as part of an active fraud scheme. This matter is being investigated at the federal level. I have active complaints filed with the FBI XXXX XXXX XXXX XXXX ( XXXX ), the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). My bank, XXXX, has escalated this to their CEO 's office for investigation. I am requesting the CFPB investigate PayPal 's handling of this dispute and their failure to protect consumers from fraudulent accounts operating on their platform. My original paypal case was XXXX ( was closed ) and I reopened it attempting to elevate the case XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This entire ordeal happened with PayPal. With absolutly zero notice or information why they closed my account and prevented me from xfering my money out. They would not tell me what triggered it only vague nonsense because they know it's bull. They even told me outright I'd be able to take my funds out after 90 days it's been XXXX and it's still permanently closed with a XXXX balance. I'm sick of the gaslighting and sick of XXXX XXXX reading a script to get me to back off. There is Zero reason for this. The account is called XXXX XXXX. I just want that XXXX $ back so I never have to log into this XXXX website again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank agreed to pay me for {$240.00} for fees I incurred for my water being shut off because they did not pay the invoices when they said they had paid them. The manager agreed to pay me the fees. He had me fax over the bills showing I incurred the cost and agreed to pay the fees in 3 days. I went to my local Chase branch and faxed the proofs over. He did not pay them so I called back and the next manager said they would pay the fees. They would be paid in 3 days. I have never received the money and now they are saying they never agreed to that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, my computer was compromised, and unauthorized individuals executed a fraudulent {$35000.00} Bill Pay transfer from my Wells Fargo account # XXXX ( Fraud Case # XXXX ) to a fraudulent account opened in my name at XXXX XXXX ( XXXX, Fraud Case # XXXX ). XXXX has formally confirmed to me that the account is frozen, and funds is completely intact as of now. XXXX stated they are ready to return the funds to Wells Fargo immediately, but they require Wells Fargo 's fraud/risk department to initiate a standard bank-to-bank outreach ( such as an ACH/Wire Reclamation or a Hold Harmless Agreement ) to safely coordinate the return. However, Wells Fargo had closed my fraud case and refused to contact XXXX, claiming the transaction utilized my credentials. By refusing to perform standard inter-bank outreach to recover fully intact, verified stolen funds, Wells Fargo is actively preventing the mitigation of a documented identity theft crime and Account Take Over ( ATO ). I have already provided law enforcement reports including XXXX Report # XXXX, Identity Theft Report # XXXX. I have attached the following documents for reference : - WF bank statement showing the fraudulent Bill Pay transfer on XX/XX/XXXX - XXXX Report Case # XXXX filed on XX/XX/XXXX - Identify Theft Report # XXXX filed on XX/XX/XXXX - letter head of fax I sent to WF Fargo XX/XX/XXXX demanding contacting XXXX immediately - email exchanges with me and XXXX unto XX/XX/XXXX

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 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: TX

Complaint narrative:
I have XXXX properties in this loan. Its a bundled loan. I came to know from the county record that there were missing property tax payments for 2 properties. One payment is partially paid and the other one was not paid completely. I called the customer service and was able to speak to a human after several options on the phone menu. It is very hard to reach out to speak to a rep. The rep took notes and was told that it takes about 7 - 10 business days. The tax is delinquent and the lien may be imposed on the property. the interest charges will accrue. The payment was due XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citi Bank on XX/XX/XXXX closed my account without warning, notification and when reached out to them on XX/XX/XXXX after my debit card was decline, they could not give me a valid reason. The Rep told me the reason she saw was that I did not give a reason for depositing a check into my Account. When asking how I add a reason when depositing a check, I was told there was no way to. The accounts closed was a checking account with around {$3000.00} in it and a Savings Account with about {$1000.00}. I do not know the exact amounts because I was blocked from the App and Website from seeing my accounts with funds. Not only did they close my Checking and and Savings accounts but they proceeded to remove the Credit Card off my account and required nearly an hour to get it linked back up to now a different user name and password. They have also started blocking account daily which requires me to call and have it reset each day. If I simply close my credit card my Credit Score will be impacted.

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 2026-05-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AR

Complaint narrative:
I am submitting this complaint regarding a debt collection communication sent by XXXX XXXX, a XXXX XXXX foreclosure law firm that appears to violate the Fair Debt Collection Practices Act ( FDCPA ), specifically the validation notice and overshadowing provisions under 15 U.S.C. 1692g. On the same date, XXXX XXXX, I received : A validation notice advising me of my right to dispute the debt until XX/XX/XXXX; and A demand/foreclosure-related notice that created urgency and appeared to contradict or overshadow those dispute rights demanding i cure the delinquency by XX/XX/XXXX. The communication effectively conveyed that immediate action or payment was required despite the statutorily prescribed dispute period. The overall impression of the correspondence implies disputing the debt is futile, irrelevant, and would not prevent acceleration or foreclosure activity. The communication used language and timing that appeared inconsistent with the consumer protections required under the FDCPA. Courts have repeatedly held that collection communications may not demand immediate payment, impose conflicting deadlines, or otherwise overshadow a consumers validation rights. Additionally, because the demand notice and validation notice were transmitted simultaneously, the contradictory nature of the communications created substantial confusion regarding : whether I actually retained meaningful dispute rights, whether foreclosure activity would continue regardless of a dispute, and whether exercising my FDCPA rights would have any practical effect. I request that the CFPB investigate whether the law firms communications and foreclosure collection practices comply with : 15 U.S.C. 1692g, the FDCPA prohibition against false, deceptive, or misleading representations, and applicable CFPB debt collection regulations. I also request preservation and review of all communications, templates, demand notices, validation notices, and foreclosure correspondence sent in connection with this matter and any other matters where the consumer was deprived of his or her rights. This complaint is not a refusal to pay any lawful obligation. Rather, it concerns the manner in which the debt collection communications were presented and whether they unlawfully overshadowed federally protected dispute and validation rights, which i am certain they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint because JPMorgan Chase Bank is failing to honor the advertised 6-month 0 % promotional APR on XXXX XXXX purchases for my newly opened Chase XXXX XXXX XXXX XXXX . I opened this card specifically for the advertised feature of 0 % promotional financing for 6 months on XXXX vacation packages. To ensure compliance with the promotional requirements, I actively attempted to pay for my upcoming stay ahead of time through the proper pre-booking channels. On XX/XX/XXXX, at XXXX XXXX, I called XXXXXXXX XXXX XXXXXXXX customer line to process the payment over the phone. After spending 51 minutes on hold, an XXXX guest services representative explicitly refused to take my payment over the phone and instructed me that I had to pay when I arrived at the resort instead. Following the direct instructions of the XXXX representative, I charged the balance at the resort. On my statement ending XX/XX/XXXX, these primary vacation charges appear as " XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX '' in the amount of {$5100.00}, and " XX/XX/XXXX XXXX XXXX XXXX '' in the amount of {$400.00}. Because the charges were processed at the front desk rather than pre-bookedsolely because of the explicit directions given to me by the co-branded partner 's representativeChases automated billing system failed to apply the 0 % promotional APR tier and instead placed the balance into the standard 26.74 % purchase APR tier. I contacted Chase customer service immediately upon receiving my statement to request a manual correction. My request was routed to a specialized back-office review department , which subsequently denied the adjustment. It is deceptive, misleading, and unfair business practice to advertise 0 % financing to induce consumers to open a co-branded card, have the merchant 's own staff block the consumer from executing the payment via the " correct '' channel, and then deny the promotion on a massive, clear-cut transaction processed directly at the resort. I can not afford to pay 26 % + interest on a balance I was explicitly told would be interest-free and actively tried to pay properly. Desired Resolution : I request that Chase manually override the promotional code and transfer the {$5100.00} and {$400.00} direct XXXX XXXX resort charges to the 6-month 0 % promotional APR tier, retroactively effective to the transaction dates, as advertised. I am also attaching the screenshot of the outgoing call to XXXX the day before my trip when I called to pay the trip in full and was denied by the XXXX rep.

Company response to consumer: Closed with explanation