vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank is refusing to release approximately {$2400.00} from my deceased mothers account unless I provide XXXX XXXX XXXX, and Chase is refusing to accept the XXXX XXXX XXXX and Amended Summary Administration Order issued by the Florida probate court. Under Florida law, Letters of XXXX can not legally be issued in this case, so Chase is requiring a document that can not exist and offering no alternative way to access the funds. My mother passed away more than XXXX years ago. Because of that, her estate was handled in Florida through XXXX XXXX, and the probate court issued both a Summary Administration Order and an Amended Summary Administration Order naming me as the beneficiary of the Chase funds. Under Florida Statutes XXXX, XXXX, and XXXX, when more than XXXX years have passed since death : - creditor claims are permanently barred, - a XXXX Representative is not appointed, - the court distributes assets directly by order, and - Letters of XXXX are not issued and can not legally be issued. Because no XXXX Representative exists in this type of probate, Letters of XXXX do not and can not exist under Florida law. I provided Chase with the court-issued XXXX XXXX documents. I also obtained an Amended Summary Administration Order specifically identifying the Chase account after receiving guidance that Summary Administration documentation would be sufficient. Chase later refused to accept those documents and instead demanded XXXX XXXX XXXX. I also submitted a written explanation to Chase with the relevant Florida statutes and explained that the requested document is legally impossible to obtain. I worked directly with the branch and later heard back by phone from Chases complaint department. After more than XXXX weeks, Chase continued to stand by its requirement for XXXX XXXX XXXX, refused to accept the XXXX XXXX documents, and offered no alternative process for releasing the funds. This creates an impossible condition : Chase is demanding probate documentation that the Florida court can not legally produce, while refusing to honor the final court orders that Florida law does provide. Earlier in this estate process, Chase also gave inconsistent guidance in a related matter involving a Medallion Signature Guarantee. Chase initially indicated that XXXX XXXX documentation would be sufficient, but then refused to proceed. My local credit union accepted the same court-issued probate documentation and completed that related transaction. I am requesting that Chase : XXXX ) Accept the Florida XXXX XXXX XXXX and Amended Order as the legally binding probate documents for this estate, or XXXX ) Provide a lawful and achievable alternative process for releasing the funds that complies with Florida probate law. At this time, Chase has refused both options and continues to require documentation that can not legally be obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd.
State: GA

Complaint narrative:
Phillips & Cohen and XXXX XXXX have been contacting me after I explained to the representative that the debt in question is not mines. The representative provided a date that the account was opened and I explained that at that time I was a minor. The representative also went on to try and verify my date of birth I explained that the information that they have is not accurate and does not match my government records. I do not have any credit cards and never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened a new American Express XXXX XXXX ( account ending XXXX ) in early XXXX. During my first billing cycle, I was charged {$180.00} in interest and a {$29.00} late fee. I am requesting a waiver of the interest charge based on the following circumstances : XXXX. When I opened my account, I attempted to set up XXXX immediately. The system would not allow me to enroll until my physical card was activated. By the time my card arrived and was activated, I had forgotten to return to complete XXXX setup. XXXX. I did not receive any email notification that my first statement was due. As a brand-new cardholder, I was relying on electronic communications to alert me to my payment due date. XXXX. The XXXX XXXX XXXX feature which causes charges to accrue interest on a revolving balance at 24.49 % APR was enabled by default on my account. I did not opt into this feature. Had my charges been placed in the standard Pay In Full category, the late payment would have resulted in only the {$29.00} late fee and no interest charge. XXXX. My payment of {$14000.00} was made on XX/XX/XXXX, just XXXX days after the XX/XX/XXXX due date, and far exceeded my total balance of approximately {$3600.00}. I contacted American Express twice once via chat and once by phone to request a waiver of the interest charge. Both representatives agreed to waive the {$29.00} late fee but declined to waive the {$180.00} interest charge. I was told a supervisor could not help either. I believe the combination of a system that blocked XXXX enrollment, no email payment reminders, and a silently enabled XXXX XXXX XXXX feature created an unfair outcome for a first-time cardholder. I am requesting a full waiver of the {$180.00} interest charge as a one-time goodwill adjustment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$4500.00} to my Apple Card account. The payment posted the same day and has cleared my XXXX XXXX XXXX account, yet it is not reflected in my available credit. On XX/XX/XXXX, I received XXXX calls from a representative who identified himself as a XXXX ( XXXX XXXX in response to a separate CFPB complaint. He stated that the calls were recorded. During the first call, I asked why my available credit was only {$63.00} when it should have been significantly higher after multiple payments that clearly show as posted under latest card transactions in the app, including my XX/XX/XXXX payment. He stated that my payment was on hold but was not able to explain why and said he needed to conduct further research. He also acknowledged that I had not been notified of any hold on my account. During the second call, he still could not provide a reason for the hold. He stated that an email sent to me on XX/XX/XXXX indicating that my payment was processing meant that the payment was on hold, which is inaccurate, as those are not the same. I advised him that under the Truth in Lending Act ( Regulation Z, XXXX XXXX XXXX ), payments must be credited as of the date of receipt and that their handling of my payment appeared to violate my rights. Despite this, he repeatedly directed me to review the app for more

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ClarityPay, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I attended a XXXX timeshare sales presentation where I was misled by high-pressure tactics and false promises about the products quality, usage rights, and financial terms. Based on these misrepresentations, I agreed to purchase a timeshare and finance part of the cost through a {$6400.00} loan arranged by XXXX via XXXX. I later discovered that XXXX had also opened a credit card in my name without my consenXXXX XXXX XXXX XXXXnvestigated and confirmed this was fraud, closed the account, and removed it from my credit report. I paid off the XXXX loan in full on XX/XX/XXXX, and contacted XXXX multiple times requesting a refund due to the fraudulent nature of the transaction. XXXX asked for proof that I had attempted to resolve the issue with XXXX, which I provided by submitting formal complaints to the Tennessee Attorney XXXX XXXX and the Department XXXX XXXX and XXXX. The latter referred the case to its legal department. Despite receiving this documentation and evidence of fraud, XXXX final response on XX/XX/XXXX ( Ref : XXXX ) simply stated that my account was closed and no further payments were due. They did not address my refund request or the fraud. I believe XXXX refusal to investigate or refund the loan violates federal consumer protection laws and leaves me financially harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/year>, we sent {$3000.00} via XXXX from U.S. Bank to my daughters XXXX account. The payment initially failed because XXXX indicated her phone/email was not enrolled, so she re-enrolled the number. Even though that XXXX account had received many payments from us previously. After re-enrollment, The payment briefly appeared as pending in her account, then disappeared, and XXXX later emailed that the payment had been canceled. U.S. Bank confirms the funds left my account and were delivered to XXXX, but the funds were never returned to my US Bank account. Despite multiple calls and visits to both banks over XXXX months, the {$3000.00} has never been returned or deposited. Both banks claim they don't know what happened. We requested an immediate XXXX network trace to locate the funds and ensure they are returned or deposited. US Bank provided us with the payment ID, but not the trace ID. Neither bank has been able to confirm the final settlement location of the XXXX transaction. And so our {$3000.00} is still missing! We need US Bank to follow the actual trace ID and not the payment ID, but it seems that no one at US Bank is able to find that number.

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 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
XXXX XXXX I received a confirmation email that my account was closed and to return equipment. All final bills were paid and I was told by the staff that I did not owe anything anymore when I returned the equipment in store.

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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: VA

Complaint narrative:
Thank you for addressing some of the accounts that incorrectly appeared on my credit report. However, please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted. These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable. As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. IQ DATA XXXX 15 U.S. Code 1637 ( 2 ) 9A, 15 U.S. Code 1681, 15 U.S. Code 1681s-2 ( ax3 ), 15 U.S. Code 1681e ( b ) This is a third party debt collector. I did not business with this company. They repeated keep reporting this debt on my credit report and have never sent an itemized list of the debt. This is in violation of FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgages paid homeowners policy to the wrong company. I received an renewal offer from my insurance provider that was way too high. The day I received the estimate, 45 days before it was due, Carrington paid XXXX XXXX without my permission. I canceled the renewal at that point and signed up with XXXX. I called Carrington and told them of their error that day XX/XX/XXXX. Insurance bill was due XX/XX/XXXX. They said they would try and stop it, meanwhile, my new policy bill from XXXX went to Carrington. They paid that as well, which lead to a significant negative balance of my escrow account. I called once again and asked them what they were doing to correct their error. They claimed that XXXX should be issuing a refund. I patiently waited until today XX/XX/XXXX at which time my escrow was still in arrears. Carrington transferred me around with repeated holds of at least 5 minutes each. Finally they conference the insurance company who claims they can keep the overpayment for 30 days and that will not be until later this week. This is theft, Carrington should have refunded the money they took from my account and waited for XXXX to refund them. XXXX counting a payment on a canceled policy as an overpayment is disingenuous at the least. According to them by classifying it as an overpayment on a canceled policy, Florida law allows them to do so. This should not be so, however, it is also not for me to suffer for two other businesses mistakes. They frequently perform escrow analysis and then decide my payment is going up on a monthly basis. They never give me the chance to pay the shortage up front as they should. The loan has minimum escrow stipulations, but it's my decision to spread out or pay at once. Carrington never gives me the chance. I have paid extra into my escrow, only for them to refund it and two weeks later inform me I'm short and my payment is going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
I received a bill from XXXX XXXX XXXX which said I had till XX/XX/XXXX to make a payment in full before sending to collections. I went to pay said bill on XX/XX/XXXX and could not pay them because it was already sent to collections. We are refinancing a house so this matters very much to me. I called CBE collections where it was sent and asked if it was sent to credit report and they just kept saying they aren't the credit report and cant speak to that. I do know that they aren't XXXX or what ever. they refused to tell me if it will show up on my report. I did pay it in full on XX/XX/XXXX. I think this was shady on the part of both XXXX XXXX and CBE. I did file a complaint with XXXX on the XXXX and have not had any contact as far as a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Back in XXXX and even XXXX I was using my credit cards to loosely to fix any problems that came my way and it added up faster than expected

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I am submitting this complaint regarding the reporting of a 90-day late payment on my American Express credit card account, as well as inconsistent and misleading information I received from the company. Approximately three weeks ago, I contacted American Express to discuss a 90-day late payment that occurred roughly three years ago. During that interaction, I was explicitly informed that the account would be re-aged and that the 90-day late payment would be removed and updated with the credit bureaus. I relied on this representation in good faith and understood that corrective action would be taken. However, after following up, I was later told that American Express is now unable to make this change, directly contradicting the prior commitment that was communicated to me. This inconsistency has caused confusion and concern, as I was given clear expectations that the negative reporting would be addressed, and as such have entered into a new home purchase with the expectation that my credit report would be positively impacted by the removal of the inaccurate report from American Express. I am requesting that American Express honor the original representation that was made to me or provide a clear and documented explanation as to why this commitment was not fulfilled. At a minimum, I am asking for a formal second-level review of this matter, including a review of any recorded communications or internal notes from my prior interaction where this commitment was made. I believe this situation reflects either a breakdown in internal communication or a misrepresentation of what actions would be taken, and I am seeking a fair and consistent resolution. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo advertises a hardship assistance program on its website and in recorded hold messages played during customer service calls. As a small business owner experiencing genuine financial hardship with XXXX income and currently receiving unemployment benefits, I attempted to access this program for my XXXX XXXX of XXXX and was met with weeks of misdirection followed by a denial. On XX/XX/year>, I called Wells Fargo and spent over one hour on the phone trying to reach the hardship department. I was told I needed to visit a branch in person. On XX/XX/year>, I went to a Wells Fargo branch for a scheduled appointment. The branch associate spent 45 minutes trying to reach the hardship department on my behalf and was also unable to connect. The associate gave me a phone number provided by the phone representative it turned out to be an unrelated gift card service line. After two days of failed attempts, I filed a complaint with the XXXX XXXX XXXX ( complaint # XXXX ) because I could not reach the advertised hardship program through any channel. On XX/XX/year>, Wells Fargo responded to the XXXX complaint ( Wells Fargo case # XXXX ). In their written response, they acknowledged that their " marketing materials, website content, and hold messages that promote hardship assistance '' did not " align with my experience '' and stated they understood " why this felt misleading. '' They provided a direct phone number for their XXXX XXXX XXXX team and confirmed my account " may be eligible for enrollment in a hardship program. '' On XX/XX/year>, I called the number Wells Fargo provided, completed their hardship questionnaire, and disclosed my financial situation : XXXX income, receiving unemployment. I was denied. Wells Fargo prominently markets hardship assistance, acknowledged in writing that the marketing was misleading, confirmed potential eligibility, and then denied the application from a customer with XXXX income. If a hardship program denies customers who are in actual hardship, advertising it constitutes deceptive marketing.

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 2026-03-23 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: NV

Complaint narrative:
They first told me it was for this : Based on the information we have today, this account was linked to another PayPal account with unresolved issues. What can you do with your account? Your account has been permanently deactivated. If applicable, you're no longer eligible for PayPal seller protection as per our User Agreement. As your account is in High Tier, you'll be charged a High Volume Dispute fee. However, you can still view your transaction history, download account statements, or request copies of your data. What about funds left in your account? We may hold any funds in your account for up to 120 day ( s ) to cover things like chargebacks or other financial liabilities. Well review the account and email you when funds are available. This is after they had put a 180 day hold and I then called them to ask why they say my funds are available and all disputes were in my favor how they can hold my funds for even longer... This is from a transaction on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: Bilt Technologies, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I made a mortgage payment of {$1900.00} through Bilt Rewards using my linked checking account. The funds were successfully withdrawn and initially sent to my mortgage company. On XX/XX/year>, the payment was reversed by Bilt Rewards without explanation. The {$1900.00} was pulled back from the mortgage company, but it has not been returned to my checking account and is not reflected anywhere in my Bilt account. At this time, the funds are missing and unaccounted for. Because of this reversal, I was forced to make a second mortgage payment using another account and incurred a late fee of {$96.00}. I attempted to resolve this issue through customer support. Phone support was unable to assist beyond confirming transactions, and I was directed to Bilt Rewards Housing support, which only offers email or in-app chat with no timely or effective resolution. I have not been able to reach anyone who can explain what happened or locate the missing funds.

Company response to consumer: Closed with explanation