vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year> I was a victim of a XXXX XXXX scam. I was led to believe I was purchasing a stay at XXXX XXXX in XXXX, XXXX, through a company/individual claiming to be XXXX. I sent a total of $ [ XXXX ] via XXXX from my Chase bank account to the following recipient : XXXX Upon arrival at the hotel on XX/XX/year>, the hotel staff informed me that no reservation existed in my name and that the confirmation number provided to me was fake. The hotel confirmed that a suspicious {$100.00} deposit was made but not by me or for my stay. I have already filed a formal police report with the XXXX Police Department ( XXXX XXXX : XXXX ). I contacted my bank to dispute the transaction, but I am filing this complaint to ensure a thorough investigation is conducted and to request a refund of the stolen funds. The scammers continue to contact me with false promises of a refund to delay my legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: RoundPoint Mortgage Servicing LLC
State: ID

Complaint narrative:
We closed on this account with Roundpoint Mortgage on XX/XX/year> they said the balance of the escrow account of XXXX would be sent within 20 days they cut a check on XX/XX/year> we never received it. I have called them multiple time and always get a person speaking broken XXXX and they originally told me to give it a few days so i did then I would call back and they requested my new mailing address which i provided and have since received a letter from them stating I changed my address. They said they would cancel the original check and reissue it by XX/XX/year> I called back that day and asked it it had been done and i was told the check was cancelled but a new one was not reissued and they said it would be done by XX/XX/year> which i called back again and was told it was mailed out???? but I do not see any proof that a new check was cut on the portal it only shows the original check cut on XX/XX/year> and I have yet to receive it. I requested a case number on XX/XX/year> and she said they do not provide any such thing and that I could call back and verify what she said. I requested to speak with a manager multiple times and they all say the same thing that they are handling it and there is no manager. I have since seen many complaints about this company on social media

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Faloni Law Group
State: NJ

Complaint narrative:
Account from XXXX XXXX bank was considered fraudulent and they are still collecting this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: GA

Complaint narrative:
When I have a problem there is no one to talk to about it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
I locked my refinance rate with Rocket Mortgage on XX/XX/year>, and paid a {$500.00} deposit based on the agreed loan terms at that time. After the rate lock, the company changed multiple key terms of the loan, including increasing the points, decreasing the lender credit, and increasing the total loan amount. I requested an explanation for these changes and, after several days of escalation, was told that the issue was due to the property being incorrectly classified as a condo. However, the full property address, including the unit number, was clearly provided at the time of the rate lock. Based on this, I do not understand why the property was not correctly classified prior to locking the rate and collecting a deposit, or why I am being asked to accept materially worse loan terms due to what the company has acknowledged as their mistake. When I requested that the original rate lock terms be honored, I was told that this was not possible and that the only option was to refund the {$500.00} deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Foris DAX, Inc.
State: VA

Complaint narrative:
During the process of closing my Crypto.com account and invoking my data deletion rights under the XXXX Consumer Data Protection Act, I was contacted by Crypto.com support via email and required to authenticate my identity before my deletion request could be processed. As part of this authentication, Crypto.com required me to transmit the last XXXX characters of my government-issued driver 's license through an unsecured email channel. When I objected to this practice on security grounds and requested a secure alternative, I was told this is standard procedure for all customers and that no bypass or exception was possible. I complied under formal protest, noting that requiring transmission of government-issued identity information through unsecured email as standard operating procedure exposes all customers to unnecessary and undisclosed security risk. At no point during account opening or in any disclosed terms was this authentication practice made clear to consumers. This is the third complaint filed against Foris DAX , Inc. ( d/b/a Crypto.com ) in relation to a pattern of conduct involving this account closure, the prior XXXX complaints having been filed on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: LA

Complaint narrative:
I have XXXX collections on my report which I selected. They say they were verified but we called them and they agreed to remove the collections because we were doing pay per delete on the items. They lied and still didnt remove them even though the money was sent. The information is not accurate they have xxxx with my account numbers and the amounts are wrong. Please dispute these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Absolute RESOLUTION IS WRORLD FINANCE AGAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Trustmark National Bank regarding ongoing system issues that have negatively impacted my ability to manage my account. On multiple occasions, the banks system has been down or has displayed inaccurate account balances. During these outages, I relied on the balance shown in my account, which later proved to be incorrect. As a result, I incurred overdraft fees that I would not have otherwise received if accurate information had been provided. In addition, I enrolled in transaction alerts to monitor my account activity and detect any unauthorized or fraudulent transactions. However, these alerts are not sent in real time. Instead, I receive a summary of transactions one to two days later, which prevents me from taking timely action to stop or report fraudulent activity. These issues are recurring and create significant financial risk. The lack of accurate balance information and timely alerts makes it difficult to responsibly manage my account and undermines trust in the banks services. I am requesting the following : Reversal of overdraft fees caused by inaccurate balance information during system outages An investigation into the banks failure to provide timely transaction alerts Corrective action to ensure accurate, real-time balance reporting and immediate alert notifications I am seeking assistance from the Consumer Financial Protection Bureau to investigate this matter and help resolve these ongoing issues.

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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: DE

Complaint narrative:
XX/XX/year> I disputed a few transactions one which is XXXX and the other one XXXX I never received my merchandise I disputed it with my bank with them telling me they did a charge back I called the companies that were disputed to basically here chime say it takes 30 days I have not received any documentation of anything I have receipts of one of the merchants stating its already initiated chime stated they both are in the chargeback stage but yet still no documentation but mines and no refund or replacements was offered

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, a transfer at branch was made without my knowledge or permission, from my account XXXX to another First Citizens Bank Account ending in XXXX. This account is not mine ; it belongs to my mother. Our accounts are not joint, co-owned or connected in any way. The bank appears to be invoking the " Right of Setoff ''. The debt was not mine to begin with. The right to set off balances can not be used if the debt is with a third party. The debt and account are not between the same two parties. A bank setoff is usually limited to debts where the account and loan are under the same name at the same institution. The bank took money from a different account other than the one my mother had transferred money into previously. That breaks the legal chain entirely. First Citizen Bank wrongfully interfered with my right of ownership of the funds without authorization, depriving me of its use and benefit. The unauthorized transfer of funds from my account by First Citizens Bank was deceptive and I suspect connected to missing funds of {$5000.00}, a return that should have posted to my account on or about the same day. On or about XX/XX/XXXX, three transfers were initiated from XXXX XXXX XXXX to XXXX XXXX XXXX and successfully processed. However, the transfer of {$5000.00} was returned on XX/XX/XXXX, 2 days after it was received. It was a return debit request by First Citizens Bank with the stated reason " account frozen, '' according to XXXX XXXX XXXX statement. The reason given to me, via a mailed return notice, by First Citizens Bank was refer to maker, dated XX/XX/XXXX. Usage of my account was never restricted, and First Citizens customer service has confirmed that they do see any holds or that my account has ever been frozen. Therefore, I cant request information regarding the freeze from First Citizens. But XXXX XXXX XXXX has avoided answering any questions or providing any requested documentation concerning my dispute and requests for the documents that they relied on in their investigation, a return code, a transaction ID or an ACH trace. On XX/XX/XXXX, and returned to First Citizens. First Citizens Banks shows no record of the {$5000.00} ever having transferred to XXXX XXXX XXXX, no record of being credited back to my account balance or reflected in my transaction history. I believe First Citizens Bank misrepresented the status of my account ( falsely claiming it was frozen ) to facilitate an unauthorized transfer of funds. I believe that First Citizens Bank lied about the status of the account to hide improper actions or prevent a legal, fully funded transfer without cause. And I do not believe that a reasonable investigation was done by XXXX XXXX XXXX. I think that XXXX XXXX XXXX only reviewed their own internal records without reviewing or requesting evidence from First Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: ME

Complaint narrative:
This is a formal report of a RESPA violation regarding the misappropriation of escrow funds. I am a participant, with my Veteran husband, XXXX, in the Maine XXXX XXXX XXXX XXXX XXXX, which grants a 100 % tax exemption. This has been in place for us since XXXX. We have a VA backed mortgage. Evidence of Early Notification : XXXX. XX/XX/XXXX : We contacted the servicer ( XXXX XXXX ) via web chat ( not phone as they state in their XXXX letter ). XXXX " XXXX '' confirmed a request was sent to the " back office '' to verify the deferred taxes with a 5-7 business day turnaround. XXXX. XX/XX/XXXX : We emailed official documentation of the deferral to the servicers tax agent, XXXX ( XXXX ), who promised an 8-day resolution. The Violation : > Despite these two notifications and other online chats ( transcripts attached of XXXX, XXXX and XXXX XX/XX/XXXX ), the servicer extracted unauthorized tax payments on XX/XX/XXXX ( {$420.00} ) and XX/XX/XXXX ( {$410.00} ), XXXX. In the XXXX letter sent to us by email on XX/XX/XXXX, they formally confirmed our 100 % tax exemption, yet they refuse to reimburse the {$830.00} total they collected in error. RESPA Violation ( 12 CFR 1024.17 ) : Rocket Mortgage is now maintaining an illegal escrow " cushion '' for a non-existent tax bill. Furthermore, we uploaded an updated XXXX insurance premium of {$1200.00}, which should lower the required escrow balance even further. Resolution Requested : My husband and I demand an immediate refund from Rocket Mortgage of the {$830.00} tax overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems LLCXXXX. XXXX XXXX, MI XXXX Re : Request for Debt Validation for # XXXX To Whom It May Concern, I am writing in response to your claim regarding an alleged debt. I do not acknowledge this debt and request full validation pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Please provide the following : The name and address of the original creditor The full account number associated with the alleged debt The amount of the alleged debt, including an itemization of interest, fees, or other charges Copies of any signed agreement or contract bearing my signature Proof that your company is legally authorized to collect this debt Documentation showing that this debt was legally assigned or sold to your company A complete payment history on this account Additionally, please provide proof that this debt is within the applicable statute of limitations. Until this information is provided, you must cease all collection activities and reporting of this account to any credit reporting agencies. If you fail to provide proper validation, I will have no choice but to file complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Texas Attorney Generals Office. All future communication regarding this matter must be in writing only. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
* * Complaint Against Navy Federal Credit Union Business Account Restriction and Withheld Funds * * I am filing a complaint regarding my business account with Navy Federal Credit Union. I opened this business account approximately two months ago. On XX/XX/2026, I deposited a {$20000.00} business check into the account. The check was accepted and negotiated ( cashed ) by the credit union. On XX/XX/2026, I received an automated notice stating that my account was restricted due to suspicious activity. No specific explanation was provided. After some time, the restriction was lifted. However, the account has since been restricted again, even after the check issuer has already verified the legitimacy of the check. Despite multiple attempts to resolve this issue : * I was not proactively notified of the ongoing investigation beyond the initial generic letter * I contacted customer service and escalated to a supervisor, who stated they could not provide any details due to limited access from the XXXX department * I visited a branch in person and was told no written documentation or explanation could be provided * I was given incorrect and impractical guidance to request a stop payment on a check that had already been cashed At this point, my funds remain restricted without a clear explanation, timeline for resolution, or documentation supporting the continued restriction, even after the check has been verified by the issuer. This situation is causing significant disruption to my business operations and access to legitimately deposited funds. * * I am requesting the following : * * 1. Immediate release of my funds, OR 2. A clear written explanation of the legal and factual basis for the continued restriction 3. A defined timeline for resolution of this matter I believe the credit unions actions lack transparency and have not been handled in a reasonable or timely manner. I am seeking prompt resolution and accountability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/year>, I purchased a digital study guide and flashcards for {$400.00} from The XXXX XXXX using my American Express card. The product was advertised as a structured, syllabus-based, exam-focused study system with prioritized, high-yield content and flashcards designed to highlight key concepts. After accessing the materials, I found that they were not organized by syllabus, lacked prioritization of key topics, and contained repetitive summaries. The flashcards did not distill key concepts but largely restated the same content without narrowing scope or focusing on exam-relevant points. I filed a dispute with American Express under not as described ( misrepresentation ). However, the merchants response only addressed delivery, usage, and a no-refund policy, and did not provide any evidence that the product matches its advertised features. American Express closed the dispute in favor of the merchant without addressing whether the product meets the advertised claims. I requested a proper evaluation of whether the product matches its advertised features, but this issue was not addressed in the dispute resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing an additional complaint against Cash App for wrongful denial of my dispute and failure to return my funds despite clear evidence. Cash Apps actions violate the Electronic Fund Transfer Act and Regulation E ( 12 CFR Part 1005 ), which require financial institutions to properly investigate reported errors, consider submitted evidence, and provide appropriate resolution including refund or provisional credit when applicable. Cash Apps conduct also raises concerns under UDAAP standards enforced by the Consumer Financial Protection Bureau. I provided clear evidence in the form of a direct email from XXXX confirming that the transaction in question was charged to my mothers XXXX debit card ending in XXXX and not my Cash App account. Despite this, Cash App denied my dispute, closed the case, and refused to issue a refund or provisional credit. Cash App also failed to properly investigate the evidence provided and instead misdirected the issue toward XXXX, even though XXXX is not responsible for any transaction involving my Cash App account. I did not request that Cash App contact XXXX on my behalf. Additionally, my Cash App account was previously restricted for nearly two years, which significantly delayed my access to my funds and compounded the financial harm caused by this issue. Now that access has been restored, Cash App is still refusing to return my full balance or correct the error.This issue is affecting my livelihood, as I am being forced to miss work due to the lack of access to my funds.There is no reasonable basis for Cash App to deny my dispute or continue any further investigation, as the email evidence clearly shows the charge was processed on my mothers XXXX debit card ending in XXXX. Despite this, Cash App has still refused to issue my refund. As a result, my funds remain missing, and Cash App has failed to provide a proper resolution despite clear documentation of the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
With TD bank failing to monitor and investigate properly I am reporting a violation of the XXXX CFPB Consent Order regarding TD Banks failure to conduct reasonable investigations. My claim was denied without a proper review while I was on workers ' compensation in XXXX I went to a number of the banks location but i went in circles. In XXXX XX/XX/XXXX i went even on XXXX about the situation In the end my fraud claim was denied.

Company response to consumer: Closed with explanation