vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-04 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: PA

Complaint narrative:
This is related to the Chase XXXX Credit Card promotion called " XXXX of XXXX ''. The promotion period runs from XX/XX/XXXX to XX/XX/XXXX. 

XXXX XXXX : When the cardholder spends {$1000.00} in each month ( XXXX, XXXX, XXXX ), they receive XXXX bonus miles per month. If all three months are satisfied, an additional XXXX bonus miles will be issued. 

What I expect : I have satisfied this requirement and expect to receive XXXX bonus miles posted on my XXXX account. 

What happened : I only received XXXX miles, missing XXXX miles. 

What XXXX XXXX and Chase Bank did : I have contacted XXXX customer service regarding this issue since XX/XX/XXXX. In XXXX  months, the customer service tried to contact Chase Bank regarding my purchase history and asked them to review my case. 

Chase Bank stated that I did not fulfill the promotional requirement and said that in XXXX, my net purchase amount was not above {$1000.00}. XXXX customer service forwarded Chase Bank 's response and did not defend my position, instead insisting that Chase is right. 

I provided more details in multiple emails, but XXXX XXXX XXXX did not take any further action. They wanted me to contact Chase, but Chase takes no responsibility for such promotions and always redirects me back to XXXX XXXX ( I had almost the same issue last year, and it took me XXXX months to resolve it ). 

What actually happened : My XXXX net purchase was below {$1000.00} due to a returned/cancelled transaction. The original transaction was posted at the end of XXXX, and the purchase was included in my XXXX net purchase amount. When I canceled my transaction ( Airbnb booking transaction on XX/XX/XXXX XXXX * XXXXXXXX XXXX XXXX  {$3400.00} ), XXXX posted a credit transaction to my card instead of reverting the original payment transaction ( XX/XX/XXXX XXXX * XXXX XXXX CA - {$3400.00} ). This " credit '' transaction posted in XXXX, reducing my net payment amount that month and causing it to drop below {$1000.00}. 

What is the problem : Even though the promotion text mentions net purchase, I have no control over how XXXX cancels a booking. As a result, the original transaction stayed in XXXX, and the credit one was posted in XXXX. I tried to explain this to at least XXXX agents at XXXX, but no one took any action or contacted Chase about it. 

Attachments : I have attached the email exchange I had with XXXX, the confirmation email for the XXXX bonus miles, and XXXX statements showing my transactions for each month. I left XXXX transactions unredacted for you to see when was the actual purchase and the cancellation.

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

Complaint narrative:
I booked a flight-and-hotel travel package through Capital One Travel using my Capital One credit card for family travel to XXXX XXXX in late XX/XX/year>. The booking flow required traveler information in multiple steps. The hotel selection step did not request or permit entry of a primary or check-in guest. A later step explicitly asked Whos checking in for the hotel reservation, and I selected myself. 

No warning was displayed during booking regarding a minimum hotel check-in age, and I did not receive any post-booking communication advising that the hotel required a XXXX primary guest. 

When my family arrived at the hotel late at night, we were denied check-in because Capital One Travel had transmitted the reservation with a minor listed as the primary guest. Hotel staff stated that they could not modify the reservation and that the booking agent must correct it. 

I immediately contacted Capital One Travel. Representatives and supervisors stated that they could not change the primary guest name and insisted that I cancel the reservation, despite my explanation that I had selected myself as the primary traveler during booking. One representative incorrectly stated that the hotel had emailed a XXXX warning ; when asked for the email or date, none could be produced. 

Because the booking could not be corrected, my family was forced to secure alternative lodging late at night during peak holiday travel at higher cost and inferior quality. I was also charged cancellation fees despite the error originating from Capital One Travels booking system or processing. 

I retained a contemporaneous PDF record of my original booking process showing that I selected myself as the primary traveler in the Whos checking in step, along with pages showing the associated flight itinerary and payment, confirming the record relates to the disputed booking.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am in receipt of fifth third bank recent Your response failed to address my formal request for call recordings related to representations made prior to accepting my {$4000.00} payment. 
You did not provide the recordings, nor did you confirm in writing whether such recordings exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
Someone hacked into my cashapp accounts and now I cant get access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I missed XXXX payment with my Capital one credit card ending in XXXX. I had a payment due of XXXX by XX/XX/year>. I made my payment via debit card for {$68.00} on XX/XX/year>. I have a confirmation number and the {$68.00} was drawn from my checking account on XX/XX/year>. I have since been receiving emails and late fees with capital one stating they have not received my payment. I have called them XXXX  times to rectify this issue and they keep refusing to acknowledge my payment was made at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: CA

Complaint narrative:
Today ( XX/XX/XXXX ) I noticed unauthorized transactions in the amounts of {$180.00} with Description : XXXX XXXX withdrawal XXXX XXXX TX and {$0.00} with Description : XXXX XXXX Fee ATM withdrawal XXXX XXXX TX on my account statement both with dates of XX/XX/XXXX. I have the only XXXX XXXX card for the account in my hand, I live and I am physically in California, and today is Saturday XX/XX/XXXX @ XXXX XXXX EST. This ATM withdrawal is unauthorized, without my permission, and made without having the physical XXXX XXXX card present. 

I am not able to call XXXX XXXX because I had a total XXXX in XXXX of XXXX where my vocal chords were removed due to XXXX. With the allowed amount of time being XXXX days to alert XXXX XXXX of account issues, I wouldn't be able to send a certified letter informing them of the unauthorized transactions on my account within the allowed amount of time. XXXX XXXX only gives the option to call customer service directly to alert and correct issues of unauthorized transactions. I am XXXX without the physical ability to XXXX making calling customer service directly not an option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I have a XXXX account log in dispute with error sign in with XXXX. I have a XXXX account reversed mortgage dispute liability claim from a hacker using my sign in. I filed a data breach theft XXXX affidavit. I have a identity theft report with my account liability scan. I showed a retainer agreement with my account and a suspect of forgery was on my log in. I filed a data breach hack lawsuit with my credit report. My account was not reinstated with the identity theft from the data breach bankruptcy dispute in XXXX. I see was a insurance fraud with account liability hack from a data breach scan and my insurance policy was canceled. I have a record for account data breach for closures. I have contacted the company with the escalated claims and my account having a data breach inquiry, I asked for the retainer agreement for the account verification with the data broker insurance policy with XXXX XXXX and file a police report for stolen hacked deceived inadequate security measures for a notice of dispute account compromised data breach possibly with XXXX XXXX error log in portal data broker insurance claim. My policy was canceled with XXXX XXXX from the data breach inquiry dispute.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
Understood. Here is everything merged into one single, strong, complete complaint. Nothing missing. Regulator-ready. 

I was the victim of an XXXX XXXX XXXX XXXX XXXX  ) scam perpetrated by an individual identifying himself as XXXX XXXX, who falsely posed as a legitimate seller of a XXXX motorcycle on [ Platform name, e.g., XXXX XXXX ]. 

Under false pretenses, I was criminally deceived into sending two authorized payments via Cash App totaling {$740.00} ( {$110.00} and {$620.00} ). The seller misrepresented his identity, the legitimacy of the motorcycle sale, and his intent to deliver the item. 

After receiving the funds, the seller explicitly statedin writingthat he would refund the full amount. I have complete evidence of this promise. Despite this clear commitment, no refund was ever issued. 

I immediately reported the fraud to Cash App XXXX. No XXXX ID was provided despite my report. 
My Cash App tag is $ XXXX. 

Cash App denied my claim without providing any reason and without issuing a formal Explanation of Findings. 

Critically, Cash App failed to request, accept, or review the substantial evidence I possess. I have over 100 pieces of evidence, including photographs, complete chat logs, written refund promises, and financial records that clearly prove the sellers false identity, deception, and failure to refund. I explicitly informed Cash App that this evidence was available and requested a secure method to submit it, but my request was ignored. 

By denying my claim without reviewing the offered evidence, Cash App ( Block, Inc. ) failed to conduct a reasonable investigation as required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. 

I am therefore requesting the following resolution : 1. A full refund of {$740.00} lost as a result of fraud. 
2. A formal written explanation detailing how the investigation was conducted. 
3. A secure method to submit my evidence for a proper and complete review. 

I expect this matter to be addressed promptly and in full compliance with federal consumer protection laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
The car was repossessed initially back in XX/XX/XXXX of 2025, after explaining them to recieve payment on that same week they took the car. They were completely disregarding me telling them my personal hardship and being XXXX  in XXXX on why the process been delayed and such. But on my end, I made my payment and struggling to have the time to pick up. They have attacked my credit putting the complete repossession and i have in fact paid to get it redeemed. The problem is picking up the vehicle, but besides the point. 

I just want them to take that repo off my credit report. ASAP PLZ HELP & I WOULD LIKE TO EXPRESSION MYSELF APPROPRIATELY ON THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Transworld XXXX XXXX XXXX XXXX, DE XXXX Dear Transworld I am sending this letter in response to a debt collection notice I received on XX/XX/year>. This is a request for validation on account XXXX. I do not recognize this debt, and under my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am formally requesting validation of the alleged debt before taking any further action. 
As required by law, please provide me with the following information : Proof that I owe this debt Provide a signed contract or agreement with my signature proving that I agreed to this debt. 
Original creditor details The name, address, and contact information of the original creditor. 
Itemized account statement A detailed breakdown of the amount you claim I owe, including principal, interest, fees, and any additional charges. 
Legal right to collect Documentation that your agency has been assigned this debt and has the legal authority to collect it. 
Statute of limitations The date of the last payment on this account to verify whether the debt is legally enforceable. 
Cease reporting until validated Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), if you can not validate this debt, you must cease reporting it to any credit bureaus. 
Per 15 U.S.C. 1692g ( b ), until you provide proper validation of this debt, you must cease all collection efforts, including phone calls and credit reporting. Failure to provide sufficient documentation will result in a formal dispute with the credit bureaus and a possible complaint to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 
If this debt is valid, please provide the requested proof. If you can not validate this debt, I request that you remove this account from my credit report and cease all further contact. 
You may respond in writing to the address listed above. I expect a response within XXXX days from the date of receipt of this letter, as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> LVNV Funding C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX Subject : Request for Debt Validation Dear LVNV Funding, I am writing to request validation of the debt referenced in your recent communication under the Fair Debt Collection Practices Act, I request that you provide the following information : XXXX. The amount of the debt. 
XXXX. The name of the original creditor. 
XXXX. A copy of the original contract or agreement that substantiates the debt. 
XXXX. Proof that you are authorized to collect on this debt. 

Please provide this information within XXXX days of receipt of this letter. Until the debt is validated, I request that all collection activities cease. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: VA

Complaint narrative:
Cash App tried to block my account yesterday XX/XX/XXXX. I received email my account was unlocked after being locked for security purposes at XXXXXXXX XXXX on the above date meaning my remaining funds are available. However, when I tried to log in the acct, I was asked for my full name, XXXX, $ XXXX name and all, and me thinking it was for security purposes gave it all not knowing cashapp was trying to open a new account for me. 
Once I realized it, I logged out and called them and spoke to one XXXX who after taking my name told me my account has not been verified, I asked if she was talking about the acct. that was opened as of that day and imagine my surprise when she said yes. I explained that email was supposed to get me to my acct that was opened since XXXX but has created a new one. I now gave her my cashtag and she stated she couldn't find my acct. 
I was frustrated XXXX let her know if this is not an insider work with my money being taken, why are they playing games and also let her know I was documenting everything and after hearing that, the rep XXXX said she couldn't help me anymore and hanged up. 
After that, I was able to get in my account and I quickly changed my pin which I will attach the email and all the evidence to this complaint. An acct that has been secured and yet cashapp still sent me an couple of emails about an hour ago at XXXXXXXX XXXX with one claiming a weird email had been linked to my account and the other stating that my original email has been unlinked from my account respectively. 
CashApp is up to something because after my account went through what it did, why won't they ensure my account is kept the most secure and how will anyone get in my acct after changing my pin and all the security measures that has been put in place, how did anyone bypass all the security questions to get in my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
On XX/XX/year> I emailed the company letting them know that according to the FDCPA within five days of first contacting me, the collector must send a written notice detailing the amount owed, the name of the creditor, and a statement that I have 30 days to dispute the debt. I hadnt received any calls or letters or any form of contact at all that explains any of that information. They just responded by telling me to contact their attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Credit Collection Service is reporting an alleged debt that I dispute. 

I did not receive documentation sufficient to verify the debt, including proof of the original obligation, an itemized balance, or evidence that Credit Collection Service has the legal right to collect or report this account. 

Despite the lack of verification, the account is being reported to the credit bureaus. Reporting unverified information violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

I am requesting deletion of this tradeline and written confirmation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: BMW Financial Services NA, LLC

Complaint narrative:
In XXXX, my vehicle was repossessed by or on behalf of BMW Financial Services without lawful notice and without compliance with UCC Article 9 requirements. I was never provided with proper pre-repossession or post-repossession notices as required under UCC 9-611, 9-614, and 9-616.

At the time of the repossession, the vehicle contained numerous personal belongings, including high-value luxury items, electronic devices, medical and legal documents, disability-related equipment, and items of significant sentimental value. None of these items were inventoried, safeguarded, or returned to me. 

Since XXXX, I have repeatedly requested written documentation explaining : the legal basis for the repossession, the towing authorization, the towing company and impound location, the chain of custody of the vehicle, the disposition or sale of the vehicle, and the loss of my personal property.

BMW Financial Services has failed to provide this information. Instead, I have experienced years of delay, incomplete responses, and refusal to communicate in writing. I was recently informed that BMW would only communicate by telephone and declined to provide written records, despite my repeated requests.

This repossession and the loss of my personal property caused severe financial harm, loss of irreplaceable legal and medical records, and significant emotional distress. The companys failure to provide required notices and its failure to account for or return my personal property constitute violations of UCC 9-625 and related consumer protection obligations.

I am requesting that BMW Financial Services be required to provide full written disclosure, accept responsibility for the unlawful repossession, and compensate me for the loss of my personal property and resulting damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 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: Zip Co US Inc.
State: KY

Complaint narrative:
I used a zip card to pay a company I thought was XXXX. But they were scammers pretending to be XXXX. I paid XXXX with the zip card I repeatedly told zip that I was scammed even sent information that they were scammers. I could not reach original people. Zip has ignored my request every time I called and chatted they did nothing. Said they would escalate it has been over a month

Company response to consumer: Closed with explanation