vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX ( XXXX XXXX ) regarding improperly force-placed hazard insurance on my property. Previously, I was notified that my insurance had lapsed. I responded and filed a complaint, which was resolved. XXXX XXXX confirmed that the issue would be corrected and that no force-placed insurance would be added. Despite this resolution, I received a notice dated XX/XX/year>, stating that XXXX XXXX has purchased hazard insurance on my property and is charging me {$400.00} for the policy. This directly contradicts the prior resolution. I have either already provided proof of insurance or was assured no force-placed insurance would be applied. This action is causing financial harm and appears to be an error or failure to properly process my account after resolution. I am requesting : 1. Immediate removal of the force-placed insurance policy 2. Reversal of all associated charges 3. Written confirmation that my account has been corrected 4. Assurance that no negative reporting or escrow increase will occur due to this error I expect prompt resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: Payactiv, Inc.
State: FL

Complaint narrative:
This is a recurring issue where Payactiv consistently fails to sync my documented hours, specifically targeting my account every XXXX pay cycles. On Friday, XX/XX/year>2026, I worked XXXX XXXX ( XXXX XXXX XXXX XXXX ) at XXXX XXXX. Despite my timecard verifying these hours, Payactiv has blocked my access and shows a {$0.00} balance. As an individual with XXXX, I rely on the consistency of this service for my financial stability and mental well-being. The repeated " syncing errors '' and the dismissive attitude of customer service agents ( like XXXX XXXX ) feel like targeted harassment. By withholding my earned wages every XXXX weeks, Payactiv is creating an abusive cycle that ignores my documented proof of work and causes extreme hardship. I have provided screenshots of my verified timecard and the apps failure to update, yet the company refuses to provide the wages I have already earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
Yes so yesterday day afternoon I got a notification while I was at XXXX saying my chime account will be closed XX/XX/XXXX didnt give me a reason I barely even used chime so I dont kno why it got closed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On or about XX/XX/scrub>, 2026, I purchased XXXX tickets on my Chase XXXX XXXX XXXX credit card for XXXX Florida. I made this purchase through the XXXX XXXX. XXXX confirmation XX/XX/XXXXXXXX. The total cost of this purchase was {$1900.00}. I applied {$1400.00} from my XXXX XXXX which is a feature of XXXX, and the remaining {$470.00} was charged on the aforementioned Chase credit card. A feature of the Chase XXXX XXXX XXXX credit card is the ability to use miles to apply towards the purchase of XXXX. Specifically, " XXXX XXXX miles with Pay Yourself Back. Redeem your miles for a statement credit on eligible transactions. Just select your annual fee payment or XXXX XX/XX/XXXX ticket purchase that posted within the last XX/XX/XXXX days. Use some, or all, of your available XXXX miles. '' On or about XX/XX/year>2026, the charge posted. I attempted to use my miles as advertised but was unable to do so. I called Chase to report the issue and was advised to allow a few days for the charges to " settle. On or about XX/XX/scrub> 2026, I called Chase again and was told that the charges were not appearing as eligible purchases. The representative related that " I met all purchasing criteria in so far as the tickets were purchased through XXXX, they were all over {$50.00}, and they were purchased withing XX/XX/XXXX days ''. She related she didn't understand why they weren't available in the Pay Yourself Program. She escalated my complaint. On or about XX/XX/scrub>, 2026, I called Chase again to obtain an updated on my complaint. I was advised that my escalation was done incorrectly and would have to done again. The supervisor I spoke with agreed that these are eligible charges and the issue may be on XXXXXX/XX/XXXX side. I called XXXX on the same day and was advised that the purchase cXX/XX/XXXXed correctly as tickets and that the issue was on Chase 's side. On or about XX/XX/scrub> 2026, I called Chase again to obtain an updated on my complaint. I was told that the complaint was closed and that the next step was to write a letter to the Chase XXXX XXXX. The Supervisor that I spoke with related that the program should have worked but for what reason it did not. On or about XX/XX/scrub> 2026, I wrote a letter to the Chase XXXX XXXX and on or about XX/XX/year>2026, I received a response that unfortunately Chase was not going to apply my miles as advertised. They related that how the tickets coded was out of their control. When I explained to the representative that the purchases cXX/XX/XXXXed correctly, she related that they still closed the matter. She referred me to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Since using Care Credit from XXXX to now, even after paying the bill on time with the full amount that is due. I call in every month to make a payment, right after the phone call is a late fee being put right into the bill after already got off the phone with them and nothing being mentioned at all ever about a late fee for paying my bills early, Im not getting any real explanation as to how and why they are doing this, this should have been paid off by now but with the way they are charging late fees even after paying the bill is considered theft. Theyre not willing to help or explain anything. They have no problem taking a payment and charging me a late fee right after. Just last month for XXXX I made a call to try and see how we could finish off the payments, they said to send in {$120.00} for XXXX and they would remove a late fee. XXXX comes around I make the payment, now again they go add a late fee and completely disregarded the deal made on the phone for the payments to be made. It is very frustrating with XXXX explanation, they seem to want to claim that if you send in a payment early youre getting charged a late fee. That doesnt sound right.

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 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: KS

Complaint narrative:
Complaint Against : Affirm , Inc . I am filing a complaint regarding Affirm, Inc.s continued denial and improper handling of a confirmed identity theft claim. Affirm claimed a fraudulent loan as my responsibility, claiming their fraud team attempted contact multiple times and received no response. This is incorrect. We have contacted Affirm numerous times and only received one email response. On XX/XX/year> I spoke with an Affirm representative named XXXX, who confirmed that all identity theft documentation had been received, including the Police Report, FTC Identity Theft Report/Fraud Affidavit, and a written dispute letter. She stated she would request the fraud team to reopen and escalate the investigation. XXXX also advised that the fraudulent charges were made through XXXX XXXX with a merchant listed as XXXX XXXX XXXX allegedly for a scaffold system. However, the only merchant information Affirm could provide was a nonfunctional XXXX website ( XXXX ). Affirm could not provide a valid website, address, or phone number, making it impossible to contact the merchant or dispute directly. Despite confirming receipt of all identity theft documentation, Affirm has failed to properly investigate the claim, prematurely assigned liability to the consumer, and provided no clear follow-up timeline. The following information relates to the fraudulent activity : Account number or payment plan ID : XXXX Merchant name : XXXX XXXXXXXX XXXX XXXX Approximate amount : {$1200.00} Date opened or first noticedXXXX Requested resolution : Reopen and properly investigate the identity theft claim Remove all consumer liability for the fraudulent account Cease any collection or negative reporting Provide written confirmation that the account is closed as fraud with no consumer responsibility Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IA

Complaint narrative:
XX/XX/scrub>, 2026, debt validation letter sent. They are unresponsive. XXXX XXXX, 2026, I filed a dispute with Credit Bureau. XX/XX/XXXXdays later, I received notice that the debt was validated by them and remains accurate. However, IC Systems still has not responded to MY request.

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 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
On Thursday, XX/XX/XXXX I received a text message from an unknown creditor. It read as follows : We've made changes to your XXXX XXXX XXXX, XXXX. ( for which the current creditor is XXXX XXXX XXXX ) account to give you more flexibility. Login to view NEW payment options at https XXXX XXXX or call XXXX. This text is from Halsted Financial, a debt collector. North Carolina : XXXX XXXX. XXXX Halsted Financial Services LLC, XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX / Permit No. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Reply stop to opt-out And I think this is a scam. I checked my credit report and theres no new listing of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint regarding an auto loan financed through Capital One Auto Finance in connection with a vehicle purchase from a dealership. On XX/XX/XXXX 2026, I purchased a XXXX XXXX XXXX. During the financing process, critical loan terms were not properly disclosed or explained. We specifically requested a XXXX loan term ; however, the finalized contract reflects a XXXX term, which was not discussed or agreed to. Additionally, the dealership added multiple products and fees to the loan without clear disclosure or authorization, including XXXX insurance ( {$1200.00} ), a processing fee ( {$990.00} ), and a service contract ( XXXX XXXX {$3300.00} ). The contract also references an extended warranty, but no documentation was provided identifying the provider or terms. We were not given a meaningful opportunity to review the loan terms prior to signing and were initially not provided copies of the contract. We were told to sign electronically and that documents would be sent later. After reviewing the contract at home, we identified these discrepancies and attempted to resolve them with the dealership, but our concerns were largely ignored. The finance manager advised us to make a payment first and address corrections later, which raises concerns about the validity and transparency of the loan. I have since learned the vehicle is financed approximately {$4000.00} above retail value despite a {$5000.00} down payment, largely due to these added products and terms. Attached are XXXX separate emails demonstrating my attempts to obtain assistance and clarification regarding my loan, both of which went unanswered. TheXX/XX/XXXXemail, sent on XX/XX/XXXX 2026, was directed to the XXXX XXXX and Used Car Manager requesting copies of my financing paperwork. I did not receive any response. The XX/XX/XXXX email, sent on XX/XX/XXXX2026, was in response to communication from the Title Clerk. In that email, I again raised my concerns regarding the loan and requested assistance. The XXXX XXXX and multiple dealership representatives were copied ; however, I did not receive any meaningful response. These emails reflect a continued pattern of non-responsiveness and lack of accountability by the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a debt that Transworld Systems , Inc. ( TSI ) claims I owe for a XXXX XXXX XXXX account. I dispute this debt and have been unable to obtain any verification or documentation. The timeline of events is as follows : XX/XX/XXXX ( approximate ) : I filed a Problem Solver form with TSI requesting more information about the alleged debt. XX/XX/XXXX : I filed a CRS Dispute Form, stating that I do not owe this debt and that the debt is over ten years old. XX/XX/XXXX : I sent a certified letter to XXXX requesting information regarding the XXXX XXXX XXXX debt. I was not a military member and was going through a divorce from a military member when the account was allegedly opened. XXXX informed me they could not share information due to the age of the debt, which had already been turned over to TSI. XX/XX/XXXX : I sent a certified letter to TSI requesting proof of the original contract, my signature, and details of what was purchased on the XXXX XXXX XXXX. XX/XX/XXXX : I had a meeting with a lawyer to get information from TSI about the contract signed copy, the original amount, how interest is billed, what my rights were to protect myself from having my tax refund taken. The lawyer stated they could not take on the case because TSI had not filed a lawsuit against me. XX/XX/XXXX : The U.S. Department of the Treasury sent a letter stating that my tax refund was taken to pay TSI. XX/XX/XXXX : I received a bill from TSI for {$320.00} in interest from XX/XX/XXXX to XX/XX/XXXX. When I called for clarification, even the manager could not explain what this charge represented. They could not tell me what the debt was for beside a XXXX XXXX XXXX XXXX I sent another certified letter to TSI asking for debt validation, signed contract, how interest is charged, what the original purchase was and pay off amount. XX/XX/XXXX : I received another bill for {$330.00} in interest. Again, TSI could not provide any information regarding the original principal or the basis for the interest calculation. XXXX I received a letter from the IRS stating they had taken another tax return to pay TSI. This situation is causing extreme stress and financial worry for my household. I can not obtain answers from the alleged original lender ( XXXX XXXX XXXX ) due to the age of the account, and TSI has refused to provide a copy of any contract or proof of my signature. I was not a military member when this account was allegedly opened, and civilians can not open a XXXX XXXX XXXX. Furthermore, the account is over ten years old. I respectfully request that the CFPB investigate this matter, as I am being subjected to ongoing collection activity without validation of the debt. Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: AUTO MARKET OF FLORIDA, CORP
State: FL

Complaint narrative:
I got a car. I provided a check stub and I let the sales person know that I get packed on Fridays set my payday up for Wednesday to make my car be disabled two days early. Also, I said that I had a death in the family and that I can not afford to pay for the tag registration in my car at the same time. I let them know that I am aware that I did sign a contract that it was due in 30 days for the tag, but I can not afford to pay in the car at the same time which was two different contracts. They disabled my car for over a month now and will not let me pay. Just the Car Note. They refuse to take payment for just a card note and say in order to return my car I would have to pay for both at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I filed XXXX XXXX XXXX and received a discharge on XX/XX/year>. This loan was listed in my bankruptcy and should have been discharged. Despite this, the servicer has continued to collect payments and report a balance on this account after discharge. I have reason to believe that this loan does not qualify as a " qualified education loan '' under 11 USC 523 ( a ) ( 8 ) and therefore should not have survived discharge. I requested documentation from the company including the promissory note and evidence that this loan qualifies as a qualified education loan, as well as the basis for continued collection after discharge. I have not received a response. I am requesting that the company : 1 - Cease collection activity 2 - Correct the account to reflect a XXXX balance 3 - Update all credit reporting to reflect the accurate status 4 - Review and refund payments collected after discharge

Company response to consumer: Untimely response
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
A hold was placed on my business checking account by truist bank on XX/XX/year>. I reached out to the bank when I realized that I couldn't process staff payments on XX/XX/XXXX. I was told that my account was being investigated for fraud. I asked to speak with a supervisor, my call was directed to several supervisors, XXXX identified by the name XXXX. I wasn't able to get a reasonable answer. I also stopped a branch in XXXX, but when the manager tried escalating the situation, they said I will receive a call within XXXX hours but I never did. On Monday, XX/XX/XXXX I walked into a branch on XXXX XXXX, the manager called the head office, and after the call he wrote on a paper that I should get a letter head from the bank that issued certain checks to me. It is important to state that this checks had been cashed and I had used some of the money to pay staff before the freeze on my account. I reached out to the issuing bank ( XXXX XXXX XXXX ), and also had my client represented by his son reach out. But the bank wasn't willing to help. I immediately went back to truist branch, requested to speak with a manager, there is found out that the funds ( over {$8000.00} ), had been taken out of the account and transferred to truist CFO. My questions were not answered, I was told by the manager that there isn't anything that the branch could do to help, as they are at the mercy of the frauds department. I called the frauds department and explained the situation, stating the untold hardship that their action has cost me and my business. I also had my clients son on the phone who confirmed all transactions, and was willing to bring his father to the bank to confirm transactions, but the supervisor said that wouldn't help, and the funds would not be released. My client 's son had to take his father ( XXXX, suffering from parkinson 's ) into the car and drove XXXX hour plus to the issuing bank to get a letter sent to truist. I really need help retrieving my money from truist, as I have not committed any fraud, and all transactions are clear.

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