vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I called chase because i had several charges from XXXX that i had not done. I put a dispute but is was denied XXXX gave them an email to respond and they said that they do not email. it is over XXXX dollars on charges. Booking acknowledge verbally and even gave the email of the person that did this on my account and they still denied dispute. They requested copy of my passport and bank statements to prove that i had not left country. I gave them everything they asked and it had all the proof that i was in the XXXX when this fraud occured. I Have excellent credit and have been a very good customer. They are not helping me an I know i have rights. I am innocent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My wallet was stolen at a casino and unauthorized charges were made using my Chase credit card after I left. I reported the fraud immediately the next morning, locked my card, and contacted Chase right away. Chase denied my fraud claim stating that a PIN was used, and is holding me responsible for criminal transactions despite timely reporting and stolen property. I am requesting correction of unauthorized charges and a proper investigation under the Fair Credit Billing Act and EFTA protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: SD

Complaint narrative:
I received my sons Social Security Income on my old phone that I lost I am unable to access the phone number and email associated with my Cash App account I have no way of getting access to the Cash App account where I received XXXX $ on back in XXXX I have been calling several times trying to transfer the money or get into it with the customer support but it seems nothing has worked I was told by one of the customer support workers to file a complaint through this website

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: AZ

Complaint narrative:
On XX/XX/XXXX, I made a Pay in 4 purchase totaling {$100.00} from XXXX online using PayPal ( PayPal transaction ID : XXXX ). The installment amount was {$25.00}, and the first payment was charged that day. 
I returned the entire purchase to XXXX on XX/XX/XXXX ( PayPal transaction ID : XXXX ). On that same date, I received an email from PayPal stating that my first Pay in 4 payment would be refunded ( PayPal transaction ID : XXXX ). 
However, the refund did not post back to my credit card. After waiting and confirming it was still missing, I contacted XXXX XXXX XXXX around XX/XX/XXXX, and filed a dispute for the {$25.00} charge. XXXX XXXX XXXXXXXX issued a chargeback. 
After the chargeback, PayPal began sending daily emails stating that my account was past due due to the chargeback. I contacted PayPal by phone and spent approximately one hour being transferred between three representatives. During these calls, PayPal representatives stated that the payment had been refunded, although it had not been credited back to my card, and they insisted that I owed the chargeback amount. 
Due to the repeated past-due notices and lack of resolution, I canceled the XXXX XXXX XXXX  dispute XXXX As of now, my PayPal account still shows a past-due balance of {$25.00} related to this refunded Pay in 4 transaction. My PayPal account history reflects that the purchase was returned, yet the Pay in 4 installment plan was not properly reconciled or closed. I have been unable to obtain further assistance from PayPal to correct this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
In XX/XX/XXXX I discovered that the terms for my daughters student loan were incorrect. I called the lender Citizens Bank to discuss the issue .The terms were to be a 10 year fixed rate with payment after her graduation in XXXX. The payment schedule was incorrect. According to the bank immediate repayment was selected. I discussed this with the representative and I was informed that this was an error and I received a letter stating that my request for deferment was approved. This letter was dated XX/XX/XXXX. I am now receiving a statement demanding immediate repayment stating on XX/XX/XXXX. When I attempted to speak with my student loan advisor XXXX XXXX I was told it was a mistake and this should have never been allowed. When I informed her that a had a letter approving the deferral I was basically dismissed. Now I being told by Citizens that this is a mistake and nothing can be done. I submitted a copy of the approval to Citziens and was denied. There is no proof provided by Citizens that immediate repayment was selected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens bank credit card had a payment dispute, ruled in favor of consumer. Refunded amount. Bank assured would not close credit card number or issue new card. 

Bank cancelled card without notice after assuring would not with employee on line multiple times. Bank updated card information but did not provide to customer, so customer can not use new card. Bank did NOT issue new card to customer, only updated all account information and closed old card. Customer did not have any way to access CVV or expiry information to update subscription accounts. 

Subscription accounts all rolled into delinquency and collections, some with late fees, and including personal health like gym and utilities. Caused major harm to consumer. 

Consumer called four times total. Second call complained about delinquent accounts, told card was closed. Advised should not have been closed, employee states will issue new card. Escalated to management but no one picked up. 

No card arrived, called again. Different employee states previous employee did not issue card as advised. Still no access to new card for consumer, still delinquent subscriptions and threats to cancel accounts or halt business from these companies. Employee offered waived 2 day shipping immediately due to great harm caused and urgency. 

Card still did not arrive after nearly a week. Called again, different employee advised card was just mailed the day before this on 1.21. Card was supposed to have been mailed last week, and already information had been unauthorized changed and not communicated for multiple weeks prior with all customer efforts to resolve.

Employee refuses to escalate call. Employee refuses to offer another department after stating can not do anything to assist. Employee refuses to provide information or names of staff previously talked to with customer. Employee refuses to provide prior phone call dates for complaint. Employee refuses to share notes on account. Employee refuses to share card information to allow payment processing. Employee finally agreed to share credit card number only after full verification completed, but would not provide any way to access CVV or expiry information to prevent further delinquent accounts.

Employee refused to assist further and would only say " it will be okay '' despite great harm in delinquent accounts for important items like utilities and no ability to overnight another card or offer to further assist in any other way besides provide a tracking number for the other shipment that still is not arrived. Tracking shows delayed further by XXXX in addition, causing even more delay. 

Customer with this bank for multiple decades, various accounts, and even personal loans with no delinquencies or issues prior. Highly disappointing and incompetent customer service and considering changing main banking due to this harmful experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am XXXX XXXX XXXX and believe that Synchrony is deceiving Senior citizens like myself with their lending practices. 

I am submitting this complaint regarding a deferred-interest promotional financing offer issued by Synchrony Bank for a mattress purchase totaling approximately {$2800.00}. 

At the time of the purchase, I was offered a zero percent interest promotional financing period. I enrolled in automatic payments and made all required payments on time. I was never delinquent, never missed a payment, and acted in good faith throughout the promotional period. 

I was unaware that the promotion had ended until I reviewed my statement and discovered that approximately {$1500.00} in retroactive interest had been added to my balance, calculated at an APR of approximately 29 % from the original purchase date. 

I believed that enrollment in automatic payments would ensure compliance with the promotional terms. I did not receive clear or prominent notice prior to the promotions expiration that the full balance had to be paid off by a specific date to avoid retroactive interest. The sudden addition of such a large amount of interest was unexpected and created significant financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I believe the collections debt on my credit report is related to an XXXX XXXX XXXX XXXX XXXX which upon signing the contract, I agreed to terms saying that I had 30 days to cancel with no fee or payment. Pretty standard Internet contract agreement. I canceled my XXXX XXXX XXXX  service within a week of agreeing because the service was not up to expected standards. A few months pass and I begin to get calls from this collections agency to whom I told multiple times that I cancelled my service within the agreed upon timespan in my contract which said I would not have to pay a fee or any bills at all if I was not satisfied with the service and cancelled within a month which I did. I returned all of my equipment to the nearest XXXX XXXX XXXX store and matters should have been settled then. I kindly ask that this be taken off my credit report as it is not money I owe. Additionally, I would like to add that Sequium Asset Solutions are harassers despite me pleading with them and notifying them of my situation, they kept calling as if I had never spoken to them and asking the same questions over and over again until this finally showed up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I received an email XX/XX/XXXX at XXXX. Saying my Checking account will be closed. So I called the Chime XXXX services number to find out why. They told me After looking into it my account that it went against Chime policy and will be closed on XX/XX/XXXX I asked Why what happened? What policy did it go against or why they said The system is blocking all the information I cant access it So you dont know what policy it went against or why it happened yes that correct all I can see that the system shows that your account is against Chime policy I said Well how does that make any sense that you cant see what Policy it went against or what happened they said yeah sorry I cant see anything the system is final and we cant do anything further I said well how does that make sense that I dont know what Chime policy it went against or why it happened been with Chime for 5 years and all of sudden my account is against Chime policy none of this makes sense. They said Sorry unfortunately we cant do anything I said let me talk to a supervisor they said that wont help they cant see anything either they will say the same thing I said So what your telling me about the supervisor cant see anything about Chime policy my account went against or why they said yes unfortunately thats correct I said well none of this makes sense that out of now where 5 years later my account is against Chime policy and I have no idea what policy that was and why thats makes no sense and is stupid good bye

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Troy Capital, LLC
State: NY

Complaint narrative:
I am currently attempting to fix a debt that I've had with XXXX XXXX that they ( Allegedly ) sold to Troy Capitol. I need any & all Documentation that Troy Capitol has within their possession Regarding the transaction made with XXXX XXXX that I'm entitled to under the FCRA. Troy Capitol ( Partially ) complied & sent me some of the documentation that I've requested but failed to produce everything that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
XX/XX/XXXX. I filed a fraud claim with Bank of America. Someone stole my debit card and took a total of {$1000.00} out of my checking account due to some extreme medical diagnosis. I need medication and I've asked Bank of America to please credit me {$1000.00} back while I'm waiting for them to investigate I was told yesterday that they are not doing this until XXXX " business '' days is done, which is XX/XX/XXXX I was told I had called and requested an escalation due to my medical situation and they turned it down. 


I need these funds and that's why I had it in my XXXX account thinking they were secure for my medication. This is urgent! 

Can you please help? 

Case # XXXX XXXX XXXX XXXX XX/XX/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 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am attempting to resolve a debt with the collection company through a one-time lump-sum settlement due to financial hardship. 

I attempted to contact the company using the email addresses provided on their website and in prior communications to request written settlement terms. Each attempt resulted in the emails being returned as undeliverable, leaving no functional way to communicate in writing. 

I am unable to commit to a payment plan and am only seeking to resolve this matter through a low lump-sum settlement, with terms provided in writing to avoid misunderstanding. 

The lack of a working written communication channel has made it difficult to resolve the account responsibly. I am requesting that the company provide a written response, confirm whether a hardship-based lump-sum settlement is available, and clarify that the account will not be reported to the credit bureaus, or if reported, will be deleted upon resolution. 

I am acting in good faith and am requesting written communication only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
To : Barclays Bank Delaware XXXX XXXX XXXX XXXX, DE XXXX Re : Formal Debt Validation Request Account Ending : ____ ( as reported on my credit file ) Amount Allegedly Owed : {$1000.00} NOTICE OF DISPUTE AND DEMAND FOR VALIDATION Pursuant to 15 U.S.C. 1692g and 15 U.S.C. 1681 To Whom It May Concern : This letter serves as a formal dispute and demand for validation of the above-referenced account, which you are currently furnishing to consumer reporting agencies as Over 120 Days Past Due / Closed.

I am disputing this alleged debt in its entirety.

This request is made pursuant to : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) Under these statutes, you are required to cease collection and reporting activity until you have provided proper validation of this alleged debt. 
DEMAND FOR STRICT PROOF OF CLAIM You are hereby requested to provide competent evidence of the following : 1. Proof of Ownership / Standing o A copy of the original signed application or contract bearing my signature o Proof of the current legal owner of this alleged debt 2. Full Accounting o A complete itemized statement of account showing : All charges, payments, fees, and interest How the current balance was calculated 3. Chain of Custody o If this account was sold, transferred, or assigned, provide : All assignments, bills of sale, and transfer agreements 4. Proof of Reporting Authority o Documentation demonstrating your legal authority to furnish information about this account to Equifax, Experian, and TransUnion under 15 U.S.C. 1681s-2 5. Verification of Delinquency Dates o The precise Date of First Delinquency you are reporting o Documentation supporting each month coded as 30/60/90/120+ days past due NOTICE OF LEGAL OBLIGATIONS Please be advised : Under 15 U.S.C. 1692g ( b ), all collection activity must cease until validation is provided.

Under 15 U.S.C. 1681s-2 ( b ), once a dispute is received, you are required to conduct a reasonable investigation and correct or delete any information that can not be verified.

Furnishing information that is inaccurate, incomplete, or unverifiable constitutes a violation of federal law.

If you are unable to provide the documentation requested above, you must : Immediately cease reporting this account to all consumer reporting agencies, and Delete this tradeline from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: UT

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request assistance and escalation regarding a mortgage servicing issue that has resulted in inaccurate credit reporting and significant harm to my credit profile. 

In XX/XX/XXXX, my mortgage loan was transferred from XXXX XXXX  XXXX to AmeriHome Mortgage Services. Following the transfer, I set up automatic payments twice to ensure continuity of my monthly mortgage payments. Despite these good-faith efforts, the servicer failed to process my payments for XX/XX/XXXX and XX/XX/XXXX due to internal system errors. 

I was not contacted by phone or email prior to my account being placed in collections. I only became aware of the issue after receiving a letter dated XX/XX/XXXX. Once notified, I immediatelysubmitted payments on XX/XX/XXXX and XX/XX/XXXX. Nevertheless, the servicer reported my account as late and in default to the credit bureaus on XX/XX/XXXX. 

For years before this transfer, I consistently paid more than the required monthly mortgage amount, including {$100.00} {$200.00} in additional principal payments with regular monthly payments and separate principal-only payments of approximately {$1000.00}. This history demonstrates a clear pattern of responsible payment behavior and good faith. 

The servicer later claimed they were unable to contact me due to an incorrect email address ; however, this claim is inaccurate, as the servicer successfully emailed me after the loan transfer. 

I have submitted ( or am submitting ) a formal complaint through the CFPB complaint portal and respectfully request assistance in ensuring this matter is properly investigated and that all inaccurate credit reporting related to this servicing error is corrected. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief