vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
URGENT : Systematic Financial Exclusion and Personal/Professional Damage due to Inaccurate Bank Reporting . Description of the issue I am writing this complaint with a deep sense of frustration and emotional distress. For years, I have been a responsible entrepreneur ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and a loyal banking customer, maintaining a credit score of XXXX to XXXX. Today, I find myself financially paralyzed, my reputation destroyed, and my future at risk because of the unfair and unexplained actions of Bank of america. The bank closed my long-standing personal accounts and my recently opened business account without any prior notice or opportunity to defend myself. This was triggered by " friendly fraud '' from malicious clients who filed false disputes on XXXX payments for legitimate goods and services I provided. Instead of protecting me the victim the bank decided to treat me like a criminal. This has caused irreparable damage to my life : Economic Suffocation By closing my business account just two weeks after opening it, you have stripped away my ability to operate my LLC. I can not pay suppliers, I can not receive payments, and my growth has been forcibly halted and 60 days to get my cash XXXX $ deposit, The stress of being " blacklisted '' from the American banking system without a fair trial has taken a severe toll on my mental health. I feel harassed and mistreated by a system I always respected and contributed to. I have lost the fundamental right to hold a checking account and credit lines. This " domino effect '' is making it impossible for me to survive as an entrepreneur in the United States, forcing my business to grow at a painfully slow pace, while I am unfairly labeled as a risk. I am a hard-working XXXX father trying to build a future. I am NOT a fraudster. I am a victim of bad actors and a cold, automated banking algorithm that refuses to look at the evidence.

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 2026-05-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I had a CareCredit account with a promotional 0 % deferred interest period that ended in XX/XX/2026. I had autopay set up on the account and was not actively reviewing monthly statements, and I was not clearly alerted in a way that emphasized the consequences of missing the promotional payoff date. I was financially able and willing to pay the balance in full at that time and would h ave done so if I had understood that failing to do so would result in all deferred interest being applied retroactively. Instead, I was charged approximately {$360.00} in interest after the promotional period expired. I contacted the company multiple times, including speaking with customer service representatives and a supervisor, to request a breakdown of the interest charges and to ask if the interest could be reversed as a one-time courtesy. I had difficulty reaching anyone who could provide meaningful assistance, and when I did speak with representatives and a supervisor, they were unwilling to review the situation or offer any flexibility. I believe this practice is confusing and not clearly disclosed to consumers, especially given the significant financial impact. I am requesting that the interest charges be reviewed and reversed.

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 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing a complaint against Chime Financial regarding multiple disputes that were handled incorrectly by their representatives. I purchased XXXX from an online company based in the XXXX for approximately {$100.00} {$120.00}. The items I received were not as described in quality. When I attempted to return the items, I was unable to do so because the company does not provide a clear or accessible return process on their website. I made multiple attempts to contact the merchant through their provided channels and received no response. When I contacted Chime to file a dispute, the representative incorrectly categorized my claim as did not like the item, which is inaccurate. My dispute should have been filed as item not as described and merchant failed to provide a return/refund process despite multiple contact attempts. Because of this error, my dispute was denied. Additionally, I currently have two more disputes with Chime that I have called about multiple times ( at least three attempts ), and they have still not corrected the dispute details. I am concerned these will also be denied due to improper handling. I am requesting the following : - Immediate reopening and correction of my denied dispute - Proper reclassification of the dispute as item not as described and merchant non-responsive/no return process - Review and correction of my two additional disputes - Confirmation that all disputes are being investigated accurately based on the correct facts Chimes failure to properly document and process my disputes has directly impacted my ability to recover funds for transactions where the merchant did not provide a valid return or resolution option. I expect prompt correction and proper handling of all disputes and full refund of disputed amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mandarich Law Group, LLP
State: NY

Complaint narrative:
XXXX"On XXXX XXXX 2026, I sent a formal debt validation request to Mandarich Law Group, LLP via Certified Mail (Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX). Under the FDCPA, they were required to cease collection activities until they provided proof of the debt. Instead, they ignored my legal my legal request and sent a letter stating their 'intention to sue.' I have since sent a XXXX letter for Cease and Desist via Certified Mail (Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX 2026. The law firm picked up my validation request on XXXX XXXX 2026, but failed to provide validation. I have attached the firm's own initial notice which explicitly states they must stop collection until validation is sent. They ignored their own notice by sending an 'intention to sue' letter before validating."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/year>, I purchased airline tickets through XXXX for a total amount of {$300.00}. The cancellation was requested due to sudden and significant regional security concerns shortly after the booking, including escalating conflict in the region, widespread flight disruptions, and official travel advisories indicating elevated risk. These circumstances made travel unsafe and uncertain, leading me to request an early cancellation. On XX/XX/year> at XXXXXXXX XXXX ( XXXX XXXX time ), I submitted a cancellation request through the XXXX platform, which corresponds to XX/XX/year> at XXXXXXXX XXXX ( XXXX time ). This was more than XXXX hours before the scheduled departure on XX/XX/year> at XXXXXXXX XXXX ( XXXX time ). The merchant did not process or respond to the request within the required timeframe. I only received a response on XX/XX/year> at XXXXXXXX XXXX XXXX XXXX XXXX time ), after both outbound and return flights had already passed. The merchant later confirmed receipt of my cancellation request via email and assigned a request number, but the request was not handled in time. I was also instructed to submit a new voluntary cancellation request after the travel date had already passed. As a result, I was not given any opportunity to use the ticket, modify the booking, or apply any cancellation or change options. The service was completely unusable due to the delay in processing the request. I am requesting a review and reversal of the charge due to failure to provide services as a result of merchant delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
CFPB Complaint ( Escalation / Servicing Error Framing ) Company : Rocket Mortgage , LLC Loan Number : XXXX I am filing a formal complaint regarding mortgage servicing errors, failure to provide accurate reinstatement information, and inconsistent loan status reporting following the end of my forbearance period. This complaint involves a servicing breakdown under federal mortgage servicing standards, including inaccurate or inconsistent payoff/reinstatement information and failure to properly apply or reconcile payments. Issue Summary After exiting forbearance, I was not provided a formal reinstatement quote or binding payoff calculation. Instead, I received a mortgage statement showing a total amount due of {$7000.00}. I paid this exact amount in full based on the written statement provided by Rocket Mortgage. Despite this payment, Rocket Mortgage has provided conflicting and inconsistent information regarding my loan status, including statements that : additional funds are required to bring the loan current, portions of my payment remain in an unapplied funds account, and the loan may still be delinquent. At the same time, I was previously informed by a Rocket Mortgage representative that my account was current and in good standing with only my next monthly payment due, directly contradicting subsequent written notices. I have not been provided a clear, itemized accounting reconciling : how my payment was applied, why the stated total amount due did not bring the loan current, or what specific calculation is being used to determine any alleged remaining balance. Servicing Concerns This appears to involve : failure to provide a clear reinstatement or payoff amount upon request or during account transition out of forbearance inconsistent and contradictory loan status communications potential misapplication or incomplete reconciliation of borrower payments lack of clear accounting transparency regarding escrow, interest, fees, and suspense funds What I am requesting A complete, itemized payment history showing exactly how my {$7000.00} payment was applied ( principal, interest, escrow, fees, suspense/unapplied funds ). A full loan-level accounting of any remaining alleged balance, including how it was calculated. Written confirmation of whether my loan is currently contractually current or delinquent as of today. If the loan is not current, a formal reinstatement quote with a defined expiration date that will bring the loan fully current. Clarification as to why a binding reinstatement quote was not provided prior to requiring payment, despite repeated attempts to obtain accurate payoff information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX XXXX, a {$2100.00} purchase was made through my PayPal account to XXXX XXXX for a XXXX that was shipped to an unknown individual in XXXX, Illinois. I am located in Michigan and have no connection to this person or address. I did not authorize this transaction. Within minutes of receiving the notification, I took immediate action to secure my account : XXXX XXXX XXXX Changed my PayPal password XXXX XXXX XXXX Reported the transaction as unauthorized to PayPal XXXX XXXX XXXX Removed linked bank/payment information XXXX XXXX XXXX Enabled two-step verification XXXX XXXX XXXX Contacted my bank and requested my accounts be frozen XXXX XXXX XXXX Contacted XXXX XXXX to report the fraud and request cancellation PayPal denied my claim and subsequent appeal, stating that the activity was consistent with my normal behavior based on IP address usage. This conclusion is incorrect. The transaction originated from an IP address associated with my workplace. I was physically at home at the time of the transaction. My password change and fraud report were submitted from a different IP address within minutes, approximately 30 miles away. It is not possible for both of these locations to be me within that timeframe. Additionally, my account history shows no prior purchases of this amount and no history of shipping items to third parties. All prior transactions were for significantly smaller amounts and shipped only to my personal address. The shipping address used for this transaction has never been associated with my account and was not added or authorized by me. I requested documentation from PayPal, and while they provided limited information, they failed to properly consider the conflicting login locations and the immediate actions I took to secure my account. I also filed a police report : Complaint # XXXX XXXX XXXX Police XXXX XXXX XXXX Despite this, PayPal XXXX the case and is holding me responsible for the transaction, including a negative balance. I am requesting that this unauthorized transaction be reversed and that I not be held liable for any portion of this charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I tried to purchase a XXXX XXXX offline and paid for it through Cash App and then the date of delivery- they didnt deliver him and when I requested my {$150.00} back through them they refused and blocked me and deleted their account and then I tried to go through Cash App to get my money and they rejected me my money back and it put my account in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2026-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased a disposable vape from XXXXXXXX XXXX on XX/XX/XXXX and when I received it I discovered it was a fake so I contacted the merchant and was left unanswered for a week plus. So I filed a chargeback with my bank Chase, and provided clear evidence of the device being counterfeit with a screenshot of the failed authentication code. Chase then sided against me and I have yet to find out why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My mother passed a couple years ago her name was XXXX XXXX XXXX after her passing Bank of America notified my sister XXXX XXXX of XXXX accounts that they had we filed for the claim and spend a little over XX/XX/XXXX years in probate we had to follow a couple of times still a judge because it took a little longer than we expected in that time we filed paperwork over and over and we could never get it correct we finally got a lawyer recently within the last year to help file the paperwork in get our phones mom 's money back so XX/XX/XXXX and the XX/XX/XXXX week of XXXX we got notification of the case being settled somebody was found in our favor so we had claim on the XXXX accounts my mom had with Bank of America we were informed to notify Bank of America and fill out some instruction paperwork after a court order from the judge we did we did this my sister and I both filled out the closing paperwork the XX/XX/XXXX week of XXXX of XXXX this year XXXX I spoke to his Bank of America XXXX times a week from the XX/XX/XXXX week of XXXX to have that paperwork settled I ended up having to go down to a Bank of America here in my town XXXX Arizona to fill out the paperwork and have it sent in because I couldn't get logged on to their third party portal my sister had already take care of her half her paperwork so the week of the XXXX of XXXX I spoke with them and everything was correct and taken care of I waited another week so it was the XXXX of XXXX I called back to the Bank of America and was told there was no phones there apparently the bank sent the funds to the state even though we had a claim on the money and it had been in probate for roughlyXX/XX/XXXX years so at the last minute when we my sister and I were both expecting checks it was pulled out from underneath us it was sent to the XXXX Bank says they can't receive money back but the state says they don't have it until they're reported manually report and that we have to go to the states and receive those funds even after a judge in Florida sent us a paperwork saying that we have the we have the right to that money so somewhere in by the time we were closing out the account and them sending us the check they sent the money to the state this has been going on for a few years and it's really unhelpful we spoke with the bank several times and they are absolutely no help and no remorse and no compassion We just keep getting around

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 2026-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Received letter from resurgent capital service for lvnv funding LLC the Original credit is XXXX XXXX XXXX, resurgent capital service has sent me four letters, i sent a letter to them asking then to stop all commutation since they are not the Original own of this account, this is boarding harassment. i sent a letter to them back on XX/XX/year> and then i received three more letter on XX/XX/year> this is unnecessary and very stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
XXXX charged me for a early termination of {$200.00}. I asked them not to do to me having to move abruptly. I was with them for 15 years but the minute I could not keep them because the place I moved had move to had another agreement with a different company. I could not keep both. So the agreement on XX/XX/year> was for them to waive the last {$100.00}. During that time I requested a letter stating the {$100.00} was waived and they never sent it. Fast forward I am now in collections with sunshine credit attempting to charge the last {$100.00} XXXX lied about. Not only that the debt collector as re-aged the debt to reflect missed payments from XX/XX/year> ( complete fabrication ). Because my last payment was XX/XX/year> so how are they able to place a debt before it even happened?

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 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In XXXX XXXX,2026, I was contacted by individuals impersonating a legitimate loan company ( XXXX XXXX ). I was led to believe I was applying for a loan and, under that belief, provided my banking information ( account and routing number ). After providing this information, multiple unauthorized transactions occurred involving my Navy Federal Credit Union account and XXXX XXXX. This included : - A {$350.00} transaction that was processed XX/XX/XXXX A separate removal of approximately {$480.00} from my Navy Federal Credit Union accountXX/XX/XXXX A total resulting financial impact of approximately {$1200.00} or more, including a resulting negative account balance Once I identified the issue, I immediately reported it as fraud to Navy Federal Credit Union and XXXX XXXX, disputed the transactions, and filed an IdentityTheft.gov report. Navy Federal Credit Union denied my fraud claims after review, and I reopened the disputes. XXXX XXXX has placed the matter under investigation but the negative balance has not been resolved. I am requesting a full review of all related transactions, reversal of unauthorized activity, and correction of the resulting negative balance and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation