vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am writing to formally dispute the interest charges applied to my deferred interest credit card account ending in XXXX. My account is with Ballard Comenity, and I am seeking immediate resolution regarding the balance of {$1500.00} in interest, which I believe was incorrectly imposed. I was making monthly automatic payments on my card from at least XX/XX/XXXX ( I cant see past that online ). In XX/XX/XXXX, I received my statement stating that a payment of {$2900.00} was required by XX/XX/XXXX, to avoid incurring interest on my recent purchases. I proactively paid this amount ( {$2900.00} ) in full on XX/XX/XXXX to avoid incurring interest. Subsequently, in XXXX, an automatic payment failed to processa matter that was unknown to me at the time. As a result, interest was applied in XX/XX/XXXX to the total purchases from the original date of purchase. Once I saw the interest charge on my account and the missing XXXX automatic payment, I paid the remaining principal balance of {$890.00} in full on XX/XX/XXXX to avoid any further issues. The only balance remaining on my account now is this interest charge that I believe inadvertently and incorrectly was charged to me, which increasing each month. Upon discovering the unexpected interest charges, I immediately contacted your customer service team. I was told to contact Comenity and later referred back to Ballard. Eventually I spoke with Manager XXXX XXXX employee number XXXX ). During our discussion, I was informed that the system had interpreted my XXXX payment as overpayment, which led to the failure of the automatic payment in XXXX and the subsequent accrual of interest. I respectfully request that the interest charges be removed and the account balance reduced to XXXX. My records clearly demonstrate that I took all necessary steps to comply with the terms of the deferred interest program and avoid interest accrual. I believe this was in good faith and it was only because of your system error that my automatic payment failed to process in XXXX. Despite my efforts and multiple communications with Ballard and Comenity, I have not received assistance or resolution. I ask that you review my account, recognize my proactive actions, and promptly remove the interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
From the GM rewards website : Paid Certified Service * Take care of your vehicle and earn points for GM Certified Service oil changes, tires, tire rotation and beyond. Schedule service with your dealer today. + 3x points for every {$1.00} spent Barclays applied the standard 7 point bonus but not the 3 point bonus. They closed my ticket XXXX asking for the additional 3 points directing me to GM Awards and GM Rewards clearly lists an oil change as a covered service. I believe this is in retaliation for my cfbp cases regarding the predatory ad campaign blocking account data until you are forced to constantly review their balance transfer offer with no way to opt out.

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 2026-04-01 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: KY

Complaint narrative:
Today on XX/XX/XXXX, I recieved a call from a Chase banker that I worked with two weeks ago to open a Savings account for a Ward ( my mom ) for which I am a Conservator in Kentucky, saying that the account has been frozen due to the Court Order for Conservator expiring in XX/XX/XXXX. The Chase bank employee named, XXXX, in XXXX, KY proceeded to tell me I may need to go to court and get a new court order. She became evasive as I asked for more details about what is required, and I asked to speak with her manager. When manager got on the phone she said the account was reviewed by Legal department after opening the Savings account a couple of weeks ago, and was determined that the Court Order expired in XXXX, XXXX, and I need to get a new court order from the Judge. The manager mentioned that the account would remain frozen until new document submitted. I checked my records while on the phone, and found that the initial Granting of Conservertorship & Guardianship of my mom, XXXX XXXX, was on XX/XX/XXXX for an INDEFINITE term ( does not expire ). The manager said she would send a message to the legal department to verify and act accordingly. I told her that this request upon me was egregious, incorrect, and very wrong for the Ward not have access to funds for needs, at the beginning of this XXXX month. I am concerned that this effort was constructed from XXXX or someone else as discrimination. I can not justify this error. In fact, it would be evident upon review of Chase Bank Conservator accounts, that standard Conservator appointments may be INDEFINITE. Also, I opened a Savings Account with XXXX acouple of weeks ago, around XX/XX/XXXX. I would not have been able to create that account if the Conservatorship Order expired two-years from XX/XX/XXXX ( the date that Conservatorship was Indefinately granted ), as Chase bank told me it did on XX/XX/XXXX. This was selective targeting and a very burdensome error, likely blatent by Chase personnel. I can not justify why the mistake was made and account frozen without ANY due diligence from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a debt that Caine & Weiner Company Inc. is attempting to collect from me. I assert that this debt is not mine, and the information they have provided regarding this alleged obligation is incorrect and inaccurate. I request that the CFPB intervene and ensure that the creditor : Provides proof of the debt, including the original account number, original creditor, and documentation showing that I am legally responsible for this debt. Ceases all collection activity until such proof is provided. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any alleged debt. I do not acknowledge this debt, and I require documented evidence of its validity before any further action. Please consider this letter a formal dispute. I am requesting that the CFPB take appropriate action to ensure this matter is resolved and that any inaccurate reporting is corrected. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
This company keeps sending me emails about switching to digital statements. Digital statements have been around for many years now. I think that if I wanted digital statements it's something I would have already signed up for. I don't always have access to the internet so I want to get my physical statements so I don't miss anything. But this company keeps sending me these harassing emails. On these emails I can not opt out of receiving. It's basically spam emails. I tried to respond to the emails that were sent to inform them to not contact me but I did not get any response back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened a CD account with Capital One. I transferred the funds from another account on XX/XX/XXXX ( the transaction date ). I was not able to open the CD account at Capital One until XX/XX/XXXX. The have held my money for 5 days at a significant cost to me. Considering todays technologies, this is an inordinate amount of time that I consider a deception and a profit center for Capital One. I consider this a very deliberate and unfair practice. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I sent a wire transfer ( XXXX XXXX ) to a holding company. Through the request to send the wire transfer, a number was missing when I entered it. When I called my original bank XXXX, they deferred me to call Bank of America as the wire transfer was sent. The Title Company listed was correct but the account number was entered incorrectly, and when we submitted a request to return the funds, as there shouldn't be an account with the exact same Title Company Name & the Account number entered. On the call with Bank of America, they stated that they were unable to find where the wire transfer was sent to even after I provided all of the information I had. Even with the missing wire transfer ticket that was submitted over a month now, the funds still has not been returned and Bank of America hasn't provided me any updates nor new information.

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 2026-04-01 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: TX

Complaint narrative:
On XX/XX/XXXX I made a purchase of {$280.00} on my Capital One credit card for XXXX XXXX. On the day of the services were suppose to be provided which was on XX/XX/XXXX from XXXX the vendor didn't have any electricity. The power was restored around or after XXXX and they still wasn't allowing entrance at that time so after waiting a couple hours I left and didn't get the services I payed for. Capital One closed my dispute without allowing me a chance to submit my screenshots showing the vendor had a power outage. Their system doesn't except screenshots, only PDF, TIF and JPG

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On a USAA banking payday I did a funds transfer within my bank account from one account to another account. The charge of {$1800.00} was taken from my checking account twice but only posting that one {$1800.00} transaction to my other USAA account. This issue has also overdrawn my account in the hundreds. When new deposit are posted they are also being stolen from a fraudulent overdraft charge by the bank.I filed a dispute that morning of XX/XX/year>. I was instructed that a dispute would be filed against the transaction and that the would be handled quickly but could take up to ten business days to rectify. The funds never left the banking institution. I called back XXXX hrs later on XX/XX/year> and was instructed that it would be escalated and should be clear in the next XXXX XXXX XXXX hrs while also being advised that it can take up to 10 days to be resolved because thousands of their customers were affected. This is an issue that should be easily repaired because all the money taken has never left the bank. The transfers were all in house transfers. I am disappointed because this is effecting military members, dependents and veterans. The economy is already very unforgiving and overpriced right now.

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 2026-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
In XX/XX/XXXX, I visited a XXXX store in XXXXXXXX XXXX to XXXX a single standalone smartwatch line. During the activation process, XXXX XXXX XXXX agent and IT support made multiple failed attempts to complete the setup, which resulted in XXXX additional lines being opened. Despite these repeated failures, XXXX never properly closed or removed these lines. All three lines show XXXX usage ( XXXX GB data, XXXX minutes of talk ). XXXX billed me {$160.00} for these unused lines and subsequently transferred the account to Credence Resource Management , LLC for debt collection. Credence added {$41.00} in additional fees, bringing the total to {$200.00}. I have made multiple attempts to resolve this : visited the store ( manager unable to help ), called customer support ( no resolution ), and contacted XXXX via online chat on XX/XX/XXXX ( redirected back to the store ). I also filed an FCC complaint on XX/XX/XXXX ( XXXX XXXX. XXXX ) and sent a formal dispute letter to XXXX on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
GM Financial is charging me {$510.00} for excess wear and tear at the end of my lease for a XXXX XXXX XXXX, specifically alleging that the XXXX front tires were worn below acceptable standards. This charge is unsupported. The front tires were replaced approximately XXXX weeks before I returned the vehicle with a matching set of used tires that satisfied the lease-end requirements for matching specifications and minimum tread depth. I promptly provided GM Financial with the tire replacement receipt as evidence of this service. GM Financial disregarded this evidence entirely and denied my dispute based on the statement that used tires are unacceptable replacements. This directly conflicts with the published GMC / GM Financial Lease-End Guide, which requires only a Matching set of tires, Compliance with the minimum tread depth requirements, or Tire tread greater than XX/XX/XXXX ''. There is no published requirement that replacement tires must be new. I formally requested, on multiple occasions, that GM Financial provide documented proof that the tires failed to meet lease-end standards at or after the time the vehicle was returned, including, A final inspection report, tread depth measurements, Photographs from the date of turn-in. GM Financial was unable to provide any such documentation. Instead, the only basis for this {$510.00} charge is an outdated pre-inspection report dated approximately XXXX month before the vehicle was returned and roughly XXXX weeks before the front tires were replaced. By definition, this report does not reflect the condition of the vehicle at the time of return. GM Financial failed to inspect, document, or preserve the vehicles final condition while it was in its possession at lease return, yet is attempting to assess a charge based solely on obsolete and inaccurate pre-repair information while ignoring the newer evidence I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
After we broke up my fiance wanted money he sent me returned and filed a fraud claim against me with my bank, Wells Fargo. Assuming my guilt instead of waiting for evidence, all of the funds in my account ( {$56000.00} ) have been held since XX/XX/XXXX and no updates or information have been given to me despite my repeated requests. They extended the closure date from XX/XX/XXXX to XX/XX/XXXX and now XX/XX/XXXX. They are holding the disputed funds ( {$6000.00} ) in addition to $ XXXX of my money that is unrelated with no end in sight as they wait for documentation from the other bank. I have been extremely inconvenienced by this and it has cost me money and lost me opportunities. I hoped to be exonerated with an investigation but nothing is being done by Wells Fargo to help me despite over a decade of being a loyal customer.

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 2026-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
Have been unable to access my account online for a long time. Finally managed to access today and they are charging me for account assurance which I never applied for or requested. It even offered it to me today ( even though it was already on there ) and as usual I declined. This has happened several times over the years. I asked for a Refund of these charges and was told no. I asked for copies of any documents or electronic documents they claim to have and they said research could take over 30 days and they would get back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: TX

Complaint narrative:
XX/XX/year> US bank once again opened a checking by account without my consent. I told them I will be suing if they ever do this again as they did this in XXXX! This is illegal and unethical in every way and theyve already been sued for doing this exact thing in a class action so apparently they havent learned their lesson.

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 2026-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Request for Goodwill Review of Promotional Bonus Eligibility Capital One Savings Account I am submitting this request for review regarding a promotional bonus offer from Capital One tied to maintaining a minimum balance in a savings account. I enrolled in a promotion offering a bonus for maintaining a balance of {$100000.00} for a specified holding period. I transferred and maintained the required funds in good faith and with full intent to comply with the terms of the promotion. During the holding period, an automatic payment of approximately {$300.00} was unintentionally processed from the account. This resulted in a temporary dip below the required balance threshold. The deviation was minimal ( approximately XXXX XXXX of the required balance ) and was not intentional. The balance was promptly restored and otherwise remained at or above the required level for the duration of the promotional period. After discovering that this transaction disqualified me from receiving the bonus, I contacted Capital One customer service to request a one-time exception based on the circumstances. I was informed that they are unable to make any exceptions, regardless of the nature or scale of the deviation. I fully acknowledge that the terms of the promotion may have been applied correctly. However, I am requesting a goodwill review of this situation based on the following : - The deviation from the required balance was minimal and inadvertent - The account was otherwise fully compliant with the promotional requirements- The intent to meet the terms of the promotion was clear and consistently demonstrated - The funds involved represent a significant deposit, and I acted in good faith throughout I am not alleging wrongdoing or misconduct by Capital One. Rather, I am requesting that the matter be reviewed by a team with the authority to consider discretionary or goodwill adjustments in situations where strict application of terms leads to an outcome that may not reflect the customers overall compliance or intent. I would appreciate any consideration of a one-time exception or alternative resolution. Thank you for your time and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I Paid A collection with Pro Collect and XXXX XXXX promised she would delete the item off my credit report once i paid balance in Full. The item from Pro Collect is still on my credit report. The balance is paid but she agreed to remove the item period. I attached some documents to show what i mean.

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 2026-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX, my account was closed due to suspicious activities. When requesting what activities, I was told that information couldn't be given to me, which is very suspicious in my eyes. My paycheck is set to be deposited today at XXXX a.m. and has been on this schedule for months. I asked if the company would let it go through because if I dont satisfy my obligations, I can potentially be evicted, in which they kept reading from a script stating it can take up to 10 days for a resolution. I have never did any type of fraud on my account or in life. This is an unfair practice in which I am potentially going to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation