vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am reporting an unauthorized transaction that was processed through my XXXX account and withdrawn from my personal bank account. 

On XX/XX/year>, I was charged {$1100.00} for a transaction I did not authorize or make. The purchase appears to have been a XXXX product shipped to XXXX XXXX XXXX, XXXX, XXXX. I have no connection to that address, do not know anyone in Kentucky, and I live in California. I did not place this order. 

This transaction is fraudulent. It indicates that my XXXX account or associated payment credentials were compromised without my knowledge or consent. I immediately disputed the charge with both XXXX and my bank, but neither party has conducted a meaningful investigation. XXXX initially denied my claim, and my bank stated that their investigation consists of asking XXXX whether I made the purchase. I have uploaded evidence, including my XXXX report, but XXXX claims not to have received it. 

Because my bank account was debited without authorization, and because both XXXX and the bank are shifting responsibility to each other without performing a proper fraud investigation, I am filing this report with the FTC. 

I am seeking assistance in establishing a formal record of identity theft/unauthorized access so that I can file a police report and require both XXXX and my bank to comply with their legal obligations regarding unauthorized electronic fund transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am submitting this complaint regarding Bank of Americas ongoing failure to properly resolve a credit card dispute and return funds that are rightfully owed to me. Despite repeated attempts over several months, Bank of America has not corrected the issue and has engaged in behavior that is negligent and improper. 
This matter stems from a credit card dispute that resulted in a negative balance. I had a complaint here that ended with a supposed resolution of {$1800.00} monetary relief. After months of calling and following up, the bank eventually issued a refund check. However, the check was issued for the incorrect amount and did not reflect the full balance owed to me. 
I contacted Bank of America immediately after receiving the incorrect check and was transferred to the department responsible for the check. I spoke directly with the manager of that department, who abruptly hung up on me during the call. I called back multiple times requesting to speak with the same manager, but representatives stated they were unable to reach him and did not know why he was unavailable. Since then, no one from Bank of America has followed up or taken responsibility for resolving this issue. 
In addition to failing to return the correct amount owed to me, Bank of America has continued to add unexplained and seemingly random charges to the credit card account, despite the account being closed. These charges have only compounded the problem and made resolution more difficult and are now showing a missed payment on this account. 
I have made consistent, good-faith efforts over several months to recover my money and resolve this dispute directly with Bank of America XXXX but I have been met with delays, lack of accountability, and unprofessional conduct. At this point, I believe external intervention is necessary. 

I have lost significant time and effort attempting to resolve this issue, and I am concerned that Bank of America is not acting in accordance with fair banking practices. 
This is my last attempt at collecting this money owed to me, from here forward if they continue with this negligent behavior ill proceed with a lawyer and take matters to civil court if I need to. Consider this the last warning!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I am writing to formally dispute a negative remark on my credit report associated with a Barclays account. Despite receiving written confirmation from Barclays that I am not responsible for the charges in question, the issue remains unresolved. 

In XXXX, I opened a Barclaycard XXXX to purchase a cellphone. I paid all installments on time and maintained a zero balance. Barclays later replaced this with a XXXX, which I never received or activated due to a change of address. During this time, three unauthorized XXXX charges of {$9.00} each were billed to the account. Because the account was set to paperless billing, I was unaware of these charges or the subsequent late fees until I received a collections notice. 

On XX/XX/XXXX, I filed a fraud complaint regarding the {$140.00} balance. On XX/XX/XXXX, I paid the full amount to protect my credit score while awaiting a resolution. On XX/XX/XXXX, Barclays sent a letter confirming that the charges were fraudulent and stating that the negative information would be removed from my credit report within 30 days. 

After years of conflicting information from customer service, I received a letter on XX/XX/XXXX, acknowledging the delay in processing my claim and promising a full refund. However, on XX/XX/XXXX, I received a check for only {$9.00}. Most recently, on XX/XX/XXXX, I open another claim for a full amount refund. The Barclays informed me that they can not fix the credit reporting error and instructed me to contact the credit agencies directly. 

I am requesting that this negative event be removed from my credit report immediately, as Barclays has already verified in writing that the charges were fraudulent. Please let me know what documentation is required to finalize this correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 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: RoundPoint Mortgage Servicing LLC
State: UT

Complaint narrative:
On XX/XX/year>, XXXX entered into a Payment Deferral Agreement.

The deferment states : A. Number of past due P/I ( 4 payments ) to be deferred is {$7500.00} B. Escrow advances to be deferred {$4600.00} ( XXXX XXXX Taxes to be paid by XXXX by XX/XX/year>. 
C. Other outstanding amount to be deferred {$30.00} ( not sure what this is for ) D. Total past-due amounts to be deferred {$11000.00}. This figure is wrong, if you add " A '', " B '', and " C '' you will get {$12000.00}, not {$11000.00} ( See exhibit " XXXX '' ). The difference is {$940.00}. On XX/XX/year>, I paid {$940.00} towards the full monthly payment of $ XXXX amount of {$940.00} was put into " suspense '', as noted on my XX/XX/year> statement.

E. Exhibit " A '' clearly states that based upon our review there is an escrow shortage of {$1200.00} and this will be paid over 60 months. This {$1200.00} would consist of 2 months of taxes {$380.00} ( {$4600.00} divided by 12 ) and 2 months of insurance {$220.00} ( {$2600.00} divided by 12 ). This equals their escrow shortage.

F. The statement goes on to show deferred principal of {$11000.00}, when it should be {$12000.00}.

G The made my first payment to be XX/XX/year>. My prior payment was {$1800.00} and my new payment was to be {$2500.00}. This includes {$630.00} in escrow charges. 
On XX/XX/year> I paid what I thought was making the full payment as I had $ XXXX Partial Payment unapplied and I them made a payment balance of {$1500.00}.

H. Round Point has refused to give me my {$940.00} ( Unapplied per statement ), and over the last 30 days has said I am late, charged me {$94.00} for being late, reported me as bing over 30 day late, has refused to pay the real estate taxes that were deferred and added onto my principal balance due, and now required me to write a letter asking for the account to be escrowed. Their agreement on XX/XX/year> clearly states " escrow '' and the XX/XX/year> clearly states " escrow ( taxes and insurance ) {$630.00}. 
My taxes are now in default, they refuse to correct the deferred amount, and refuse to credit me for the {$940.00} that clearly shows this amount was Partial Payment ( unapplied ). 
I will supply all necessary documents. 
I am XXXX, have XXXX ( I called and explained this to Roundpoint in XXXX ) that I may have some problems with my mortgage as I was undergoing treatment and it was to be expensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
At XXXX today, I received a phone call from a female saying she used the Chase Bank and she wanted to verify a charge on my credit card. She gave me an address that I live at the last four digits of my Social Security number and my correct date of birth. When I told her I did not have a Chase bank card she hung up. I tried to call the number back. The phone number is from XXXX  XXXX  XXXX. It is XXXX and then confirm call Chase Bank and verified that I did not have an account with them. I believe my data two have been leaked in one of the data breaches concerning the military or any other financial institution Ive had.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint Against Wells Fargo Product : Checking Account Issue : Problems with a deposit or withdrawal.

Description : A transfer of {$1300.00} was sent to my Wells Fargo checking account ( Account # ending in XXXX ) on XX/XX/year> via ACH Trace ID XXXX from my XXXX saving account. The Wells Fargo checking account was closed one day prior, on XX/XX/year>. 
Per XXXX operating rules, Wells Fargo should have rejected this transfer and returned it to the originating bank ( XXXX ) using Return Code R02 ( Account Closed ). Wells Fargo has failed to return these funds and claims they have no record of them. However, XXXX XXXX  has confirmed the funds were successfully delivered to Wells Fargo 's routing number. I am requesting that Wells Fargo locate these funds in their " suspense '' or " unapplied funds '' account and immediately return them to the sender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Moore Law Group
State: CA

Complaint narrative:
I am that I am. I XXXX now coming by the name that my mother granted me when I was born. Im not a legal entity, but I am a living man and authorized representative of XXXX XXXX. XXXX XXXX  and the debt collection agency, in violation of 15 USC 1692 and the FDCPA, has mailed a letter regarding an alleged debt of the entity XXXX XXXX to the address of his father, XXXX XXXX. The letter was addressed to XXXX XXXX and this address has never been listed as a residency of XXXX XXXX. XXXX  residency was somehow discovered or they assumed it was the residence of XXXX father. Please note a cease and desist notice had been sent prior. Now theyve contacted my Father and have revealed to him information regarding the apledged debt. The consumer reporting agencies have reported that they received from the debt collector that it was XXXX residency. This is a series violation and constitutes as identity theft as I gave no authorization of this address nor has my person been a resident at this address. The credit reporting agencies reported this as a new address starting XX/XX/year>. This is unauthorized used of XXXX XXXX. This has done harm to XXXX and now has harmed his relationship with his father. No authorization or consent was ever given. This is deceptive and harassment and breach of privacy. I do not understand, know, or consent to them illegally obtaining my persons fathers address and deceptively mailing or communicating with them regarding said alleged debt. I do not agree. I do not consent. I hereby include notice to cease and desist all communications to my persons family and ANY and ALL 3rd parties. I hereby include notice to cease and desist and to no trespass in the event that any party has no private right to the federal formal written titles 28 USC 3002 ( 1 ) ( A ) ( B ) ; 31 USC 3718 ; and 18 USC 8. By : XXXX ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
To Whom It May Concern : sunrise credit services , Inc XX/XX/year> Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to 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 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously disputed these items and requested that they be corrected or deleted. Despite those disputes, the company continues to report the same tradelines and has not provided a specific, evidence-based explanation or any documented results supporting its decision to maintain the reporting.

This continued reporting raises serious concerns of noncompliance with the Fair Credit Reporting Act ( FCRA ), including the obligation to maintain reasonable procedures to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ) and the obligation to conduct a reasonable reinvestigation of disputed information under 15 U.S.C. 1681i.

If the company asserts that the information was verified, I request complete verification detailsnot a generic or boilerplate response. Specifically, pursuant to the Method of Verification requirement under 15 U.S.C. 1681i ( a ) ( 7 ), I request disclosure of : The exact source ( s ) relied upon to confirm the reporting ; The identity of the furnisher used for verification and the specific data obtained from that furnisher ; The date ( s ), manner, and scope of the verification or reinvestigation process ; and The factual and documentary basis for continuing to report the tradelines as accurate.

I am requesting CFPB assistance because the matter has not been resolved through standard dispute channels and the continued inaccurate reporting is causing ongoing harm. I request prompt deletion and/or correction of any information that can not be properly substantiated, along with written confirmation of the reinvestigation results and the full Method of Verification used to reach the decision.

Accounts in dispute : 1. XXXX XXXX XXXX - balance {$390.00} - XX/XX/year> 2. XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} - XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MO

Complaint narrative:
b'Date XXXX next attempt XXXX \nAmount $XXXX\nCompany refused / invalid collection'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Complaint against PayPal , Inc .

I am filing this complaint regarding the unlawful withholding of {$480.00} in my PayPal balance ( Transaction ID : XXXX ). 

I sold an item in good faith and shipped it. This tracking confirms delivery was successful. Despite the buyer receiving the goods and no dispute being filed, PayPal has placed a " Permanent Limitation '' on my account and informed me they will hold my funds for 180 days.

Under the Electronic Fund Transfer Act ( EFTA ) and CFPB guidelines regarding " debanking '' and unfair withholding of consumer funds, I am requesting an immediate release of my {$480.00}. I have fulfilled all contractual obligations as a seller. Holding these funds for six months without a pending dispute from the buyer is an unreasonable and predatory practice that causes me direct financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
My escrow analysis was done on XXXX XX/XX/XXXX. They report a {$300.00} shortage, because they are applying projection balances to my account. I do not know why they are doing this, I have not authorized my surplus to be designated to any accounts, or future payments or principals. My monthly statement from XXXX XX/XX/XXXX, shows my account as a surplus of {$2400.00}. I find it very odd that my analysis would show a shortage when I've been over paying every month, expecting a surplus check at the end of the year. This information was provided by XXXX, from Mr. Cooper 's servicing department, and verified by myself in my account information. My XXXX XX/XX/XXXX escrow balance is showing {$3100.00} ... on track with the actual balance from XX/XX/XXXX. I asked how all of a sudden my account had gained almost {$2500.00} from XX/XX/XXXX to XX/XX/XXXX, she acted as if that wasn't the case. They can not provide a concise reasoning for not paying out my surplus within the 30 day alotted window, other than they need to use that to pay my next homeowners payment. She asked how they were supposed to pay that balance if I was returned the surplus. I gave the example of someone owing {$1200.00} a year and paying {$100.00} per month to escrow. How do they handle that? I said to apply the same payment policy they would for anyone else that pays off their balance yearly. They attempted to confuse me, but omitting and mispresenting facts. Examples include trying to convince me I was only paying {$260.00} in escrow per month, which is true, but ONLY as of XX/XX/XXXX... when my overall monthly payment was reduced because I had overpaid so much in escrow for XXXX. They then stated that somehow XXXX, an insurance company I had for roughly 30 days, owed be the surplus escrow, not them. None of the information they presented made sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I requested Wells Fargo to provide confirmation that my checking account could be closed and that all disputed monthly service fees would be refunded.

I opened a Wells Fargo checking account in XXXX and deposited {$500.00} after being told that this balance would waive all monthly service fees. I did not use the account.

Approximately 1.5 years after opening the account, Wells Fargo began charging monthly service fees without any direct notification : XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$10.00} After noticing these charges, I withdrew the remaining balance of {$470.00}. In XX/XX/XXXX, the bank charged another {$15.00}, causing the account to go negative.

I contacted Wells Fargo requesting confirmation that the account could be closed and that the disputed fees would be refunded. The company refused to provide this confirmation and would not close the account, and also threatened to send the account to collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint against JPMorgan Chase Bank , XXXX . for improperly handling an ACH dispute after authorization was revoked. This dispute was not a card transaction, yet Chase misclassified it and issued a generic, auto-generated denial without performing an XXXX  Operations XXXX XXXX 

Business : XXXX XXXX XXXX Account ending : XXXX. Claim number : XXXX. Transaction date : XX/XX/XXXX. Amount : {$65000.00}. Originator : XXXX XXXX ( XXXX ). 

I revoked authorization in writing prior to the debit. Under XXXX rules, this qualifies as an ACH error under return code XXXX ( Revoked Authorization ). Once authorization is revoked, any subsequent XXXX debit is unauthorized and the burden of proof shifts to the originator. Chase failed to apply XXXX, failed to escalate the claim to XXXX XXXX, and failed to request or review proof of authorization after revocation. 

Instead, Chase sent XXXX boilerplate denial letters dated XX/XX/XXXX and XX/XX/XXXX, both stating the transaction was authorized, without evidence or explanation. These letters appear to be system-generated and do not reflect a lawful or meaningful investigation. 

Chase has stated it will re-debit {$65000.00} on or after XX/XX/XXXX, despite the XXXX dispute never being properly reviewed. This would cause significant financial harm to my business. 

I am requesting that Chase be required to reopen the claim as an ACH error, apply XXXX return code XXXX, escalate the matter to XXXX XXXX, suspend the re-debit, and provide a written explanation for the improper handling of this dispute. 

Submitted by : I am requesting that Chase be required to reopen the claim as an ACH error, apply XXXX XXXX XXXX XXXX, escalate the matter to XXXX XXXX, suspend the re-debit, and provide a written explanation for the improper handling of this dispute. 

Submitted by : XXXX XXXX, Authorized Officer, XXXX XXXX XXXX, XXXX XXXX, XXXX, Authorized Officer

Company response to consumer: Closed with explanation