vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Subject : Request for Assistance in Recovering Misdirected XXXX Payment Dear Officer, I am writing to request assistance in recovering funds that were mistakenly sent to the wrong recipient via XXXX. On XX/XX/year>, I transferred {$5000.00} using XXXX ; however, due to an error in entering the XXXX tag, the funds were sent to an unintended recipient. The transaction reference number is XXXX. I reported the issue immediately to Chase Bank. My XXXX claim reference number is XXXX. After approximately 10 days, I was informed that they were unable to recover the funds. I also attempted to contact XXXX customer support multiple times but was unable to reach a representative. I have contacted the recipient on several occasions. The recipient has admitted that they received the funds in error, but advised me to resolve the matter through the bank or XXXX. Despite this acknowledgment and my formal request through the XXXX Request Payment feature, the funds have not been returned. The recipients details are as follows : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Given these circumstances, I respectfully request your assistance in facilitating the recovery of my funds, including advising Chase Bank and XXXX to take appropriate action to refund the amount. Thank you for your time and consideration. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MD

Complaint narrative:
I downloaded a game I'm XXXX XXXX so I downloaded the game try to have fun I had some change on my cash app I should have had my card locked but I didn't and it took off my {$14.00} and some change a game called XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I was approved last year for XXXX Synchrony accounts when I purchased my condo in XXXX, VA. I needed furniture and window shades. I have been making monthly payments and have not missed any payments. I received a letter stating, After a review of your account, Synchrony Bank has decided to close your account. Our decision was based in part on a scoring system that was used to predict your creditworthiness. This is concerning because I have been making my payments consistently, with only XXXX instance where I paid XXXX days late and was charged a late fee of {$41.00}, which I paid. I contacted them to explain that the delay was due to my status as a contractor and changes in my pay schedule. However, all three accounts were closed, which negatively affected my credit score. This situation is concerning because I have been working on improving my credit score and recently purchased a condo las year. This bank may need to be investigated, as they approved my credit and then inexplicably closed my accounts. I am going to report this to the XXXX XXXX XXXX Please let me know what steps I can take, as my credit score has dropped significantly, and I am no longer inclined to continue paying. XXXX XXXX XXXXSYNCB XXXX XXXX XXXX XXXX XXXX XXXX SYNCB XXXX XXXX number XXXX LOWEs XXXX XXXX XXXX SYNCB XXXX XXXX XXXX Please let me know. Very Respectfully, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX ( XXXX ) XXXX I

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 2026-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PLANET HOME LENDING, LLC
State: AZ

Complaint narrative:
I submitted a complete loss mitigation application to my mortgage servicer, Planet Home Lending, which was confirmed as complete and placed into underwriting review on or around XX/XX/XXXX. I was informed that no additional documents were needed and was given a target decision date of XX/XX/XXXX. On XX/XX/XXXX, I was notified that my application was denied based on a prior loan modification from XX/XX/XXXX. However, this decision does not reflect my current financial situation. My prior delinquency began around XX/XX/XXXX and was caused by a temporary hardship related to a custody case and significant attorney fees. Those expenses have now been fully resolved, and my financial situation has stabilized. I now have consistent income and the ability to make regular mortgage payments. My loan was also transferred from a previous servicer to Planet Home Lending. I am concerned that my current financial condition and full loan history were not properly evaluated following the servicing transfer. Despite submitting a complete application and demonstrating the ability to repay, my home is currently scheduled for foreclosure on XX/XX/XXXX. I have requested reconsideration of my application and clarification regarding how my current financial situation was evaluated, but I have not received a clear response addressing these concerns. I am trying to keep my home and am ready to begin making payments immediately under a modification. Due to the imminent foreclosure date, I am requesting urgent review to prevent the loss of my home while I have a complete application and the ability to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX, I am writing regarding an account that has been inaccurately placed on my credit report, which I have been attempting to resolve for months. The company name currently being reported is incorrect. The account is being listed as XXXX XXXX Apartments, which is inaccurate. I have never lived at or had any contractual relationship with XXXX XXXX XXXX. The correct company name is XXXX XXXX XXXX XXXX. Because the company is being reported under an inaccurate name, this constitutes false and misleading reporting. I will not make any payment arrangements on an account that is being reported with fraudulent or inaccurate identifying information. Under the Fair Credit Reporting Act, all information furnished to the credit bureaus must be complete, accurate, and verifiable. Reporting an incorrect company name is inaccurate reporting and must be corrected immediately. I have documentation and proof verifying the correct company name and can provide it upon request. This proof was submitted upon last complaint as well. Please understand that I will continue filing formal complaints through the Consumer Financial Protection Bureau until this matter is fully resolved. I expect immediate attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting a complaint regarding Resurgent Capital Services and an alleged XXXX credit account they claim to collect. I previously requested validation of this account and reviewed the materials provided. However, the documentation remains incomplete and does not adequately establish the validity of the debt. Specifically, Resurgent has not provided a full chain of assignment demonstrating their legal authority to collect, nor have they provided a complete account-level statement history showing how the current balance was calculated. Additionally, the balance being reported appears to include amounts added after the account was charged off. No itemized breakdown or supporting documentation has been provided to explain these post charge-off charges, including the dates, descriptions or contractual basis for these amounts. Without this information, the accuracy of the balance can not be verified. Despite the lack of sufficient documentation, this account has been reported as 'verified ' with consumer reporting agencies. This is concerning, as the balance and ownership of the debt can not be independently confirmed based on the information provided. I am requesting that Resurgent Capital Services either provide full and proper validation of this account, including all supporting documentation, or cease collection activity and request deletion of this account from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Rocket Mortgage is the company. When I refinanced the loan, we discovered that Rocket failed to pay my property taxes that they had in an escrow account. I called at the beginning of XXXX to file a complaint with them and to get the money back. They said they would research and call me back in 7 days. I didn't receive a call so I called back on XX/XX/XXXX. They said they would research and call back. I didn't receive a call so I called back on XX/XX/XXXX. They said they will send to escalations team and will have it researched before XXXX week and call me back. No call received so I called on XX/XX/XXXX. The first person I spoke with said she could see that they paid the wrong parcel and that my name isn't associated with the parcel they paid. I spoke to a supervisor who said she would open another case and request research and call back by Monday. No call received so I called on XX/XX/XXXX and was told I was never put on a call back list. She said that error has been confirmed but didn't have any idea as to when I would be reimbursed for the amount they paid and for the interest I had to pay. I was told I'd be called by tomorrow so we will see.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
My wallet and cellphones were stolen late early morning on XX/XX/year>. Thieves were able to access my account using my cellphone. When I learned of the theft and was able to login to the accounts, I immediately notified the financial institutions of the affected accounts to notify them of the fraudulent transactions. Most transactions involved digital wallets and XXXX accounts. These wallets and accounts were used to transfer cash from my bank /credit card accounts and purchase crypto for immediate transfer. Approximately {$8000.00} in XXXX transfers to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I used my Cash App balance to pay {$80.00} to XXXX XXXX. Days later, the merchant admitted the item was out of stock and was never in their inventory, yet they had already charged me. I requested a full refund and the transaction ID for that refund. The merchant refused and is attempting to force a " store credit '' for an order they could not fulfill. I disputed this through Cash App, but they denied my claim despite clear evidence that no goods were ever shipped or received. Cash App support told me " the process will repeat '' and offered no actual resolution, failing to protect me under Regulation E. Under the FTC Mail Order Rule, I am entitled to a full refund to my original payment method for unfulfilled orders. Cash App is allowing a merchant to keep my funds for a service never rendered. I am seeking a full reversal of the {$80.00} charge. Cash App 's denial is a 'failure to conduct a reasonable investigation ' because I provided them with written proof that the merchant promised a refund but failed to issue it. The merchant 's attempt to substitute store credit for a cash refund without my consent is a direct violation of the FTC 's '30-day rule ' for unshipped merchandise

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account # XXXX I'm unware of this debt and did not have the opportunity to dispute this account.If you believe yourself proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on Friday, XX/XX/XXXX i was contacted via phone number, the number being XXXX XXXX. The woman on the line claimed to be with Wells Fargo security assistance. She claimed that there had been unusual activity in my account and that I needed to move my money through XXXX in order to protect it properly. I would never have sent or transferred money if I was not under the belief, it was a Wells Fargo associate I was speaking to. After the money had been moved, the false Wells Fargo associate promptly hung up on me. I immediately called Wells Fargo fraud line to report what had just happened. They opened an investigation, which has not yet reached the conclusion, but I was warned by an actual Wells Fargo associate that my chances of getting this money back are very low. A majority of the money that was lost was a scholarship given to me by Florida XXXXXXXX XXXX that was in my savings account. It is imperative that I receive this money back as the amount that was taken out of my account totaled to over {$1000.00}.

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 2026-04-29 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am disputing an unauthorized charge of {$120.00} from XXXX XXXX XXXX XXXX dated XX/XX/year>. I made a legitimate reservation through XXXX for approximately {$100.00}, which I have documentation for. However, I do not recognize or authorize the separate charge of {$120.00}. Since XX/XX/year>, I have repeatedly disputed this charge with Synchrony Bank. I have completed multiple fraud investigation forms, mailed documentation via certified and priority mail more than four times, and also responded to their communications by phone when required. Over the past 8+ months, I have received at least 17 digital letters and multiple physical letters from Synchrony Bank , coming from different departments in XXXX XXXX XXXX FL and XXXX , PA . These communications reference different account numbers ( ending in XXXX and XXXX ), which has caused confusion. Many of the digital letters only provided a phone number for response, requiring me to call instead of allowing consistent written communication. Despite my repeated responses, Synchrony Bank continues to request the same information as if the dispute is starting over. Synchrony Bank has never provided any merchant documentation or proof that I authorized the {$120.00} charge. Instead of completing a reasonable investigation, Synchrony Bank has repeatedly restarted the dispute process, transferred the case between departments, and failed to provide a final written determination. This matter has now been ongoing for over 8 months with no resolution. Synchrony Bank has repeatedly restarted the investigation process without providing merchant evidence or a final written determination, which I believe violates their obligations under the Fair Credit Billing Act. I am requesting that this charge be permanently removed, all related interest and fees be corrected, and that Synchrony Bank provide documentation supporting any claim that this charge is valid.

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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America continues to not provide proper customer service. Not following protocol and procedures but rather causing major inconveniences inclusive of additional fees, missed business transactions, overdrawn account etc!! Bank of America continues to be biased and be intentional about maleficience business practices!! Various representatives providing bogus responses that completely lack banking standard and BOA documemted policy and procedures! XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding a denied fraud claim with Cash App ( Case # XXXX and Case # XXXX ) and my related claim with XXXX XXXX XXXX XXXX ( Incident # XXXX ). On XX/XX/year>, I was the victim of an impersonation scam. I received a phone call from a number that appeared to be XXXX XXXX XXXX XXXX. The caller claimed my account was compromised and instructed me to transfer my funds to protect my account. Believing I was speaking with my financial institution, I followed these instructions and transferred {$2700.00} through Cash App. I later discovered this was a scam and that the individual was not affiliated with XXXX XXXX. I did not intend to send money to a third party, did not receive any goods or services, and did not benefit from this transaction. This was a case of fraud through social engineering. Cash App denied my claim stating that the transaction was completed properly. I requested documentation used to make this decision, but I have not received any meaningful response or supporting documents. I have also contacted XXXX XXXX XXXX XXXX regarding this fraud and am seeking a second review of my claim. I have filed a police report regarding this incident. I am requesting Cash App and XXXX XXXX re-evaluate this claim as fraud and reimburse the unauthorized transaction. I am also requesting assistance regarding XXXX XXXX XXXX XXXXXXXX XXXX handing of my fraud claim

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Self Financial Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding unauthorized credit card transactions that were improperly denied by Self Financial. On XX/XX/year>, my last legitimate transaction was a USPS XXXX charge. After that, my credit card was LOST and was no longer in my possession. Shortly after, multiple high-value transactions appeared within a short period of time at merchants I have never visited and have no relationship with, including beauty supply stores and other businesses. I immediately denied the transaction alerts and promptly reported the fraud to Self Financial. Despite this, Self Financial denied my dispute and claimed that I voluntarily authorized the transactions, provided my card information, or received benefit from the purchases. These claims are false. Self Financial has not provided any evidence to support their conclusion. They have not shown : - The transaction method ( chip, swipe, or contactless ) - Any signature or identity verification - Any video or merchant confirmation - Any proof that I received goods or services The fact that the transactions occurred in XXXX, Florida does not prove authorization. The card was lost in the same city, and it is reasonable that an unauthorized individual used it locally. The pattern of multiple high-value transactions within a short time frame is consistent with fraud and not with my normal spending behavior. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I am not responsible for unauthorized charges, especially after reporting the issue promptly. I am requesting that Self Financial : - Reopen and properly investigate my case- Remove all unauthorized charges - Provide full documentation supporting their claims This matter requires immediate review.

Company response to consumer: Closed with explanation