vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Branch Messenger, Inc.
State: NV

Complaint narrative:
I was over charged and filed a dispute, the merchant fully refunded the money on the XXXX of XXXX. They have not refunded the money, they are ignoring my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint against the XXXX JPMCB CARD SERVICES for failing to properly verify and accurately report alleged late-payment history on my federal student loan accounts ( Account numbers XXXX & XXXX ). JPMCB CARD SERVICES has reported continuous XX/XX/year> days late payments without providing evidence that these delinquencies were accurately calculated or supported by internal payment records, account balance status, or loan servicing activity at the time of reporting. Despite my request for verification, JPMCB CARD SERVICES has not demonstrated how these late payments were determined or whether they comply with the Fair Credit Reporting Acts requirements for accuracy, completeness, and proper investigation. Reporting unverified and potentially miscalculated delinquencies is damaging to my credit profile and constitutes negligent and reckless furnishing of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank have restricted my account 3 times in the past few weeks. On XX/XX/2026, they told me my checking account is being closed as they considered that I have risk. The reason was unclear and the representative kept saying Ally bank has the right to close my account. After I had the account open over 2 months and fulfill the cash bonus promotion offer ( {$300.00} ) Ally bank is closing my account without paying the bonus that was written in the term. The account closure is not transparent and is unethical to not paying the customer seems to be taking away the customer 's right. 
I have the deposit proof that over {$5000.00} was deposited from the Veteran Affairs.

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 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Please correct the tradeline for Loan XXXX to Paid/Closed {$0.00} balance as of XX/XX/year>, remove all postXXXX delinquencies/negative reporting, cease collection activity, and send written confirmation. Also provide the complete XXXX payment/ledger history, owner/authority and transfer documentation, and an explanation/correction of the erroneously reported XXXXmonth/40-year term. My loan XXXX was paid and satisfied in XXXX. See the attachments : Paid-in-Full ( XX/XX/year> ), ledger showing {$0.00} by XX/XX/year>, recorded Certificate of Satisfaction ( 2012 ), and transfer notice ( XX/XX/year> ). Despite this, Shellpoint/XXXX reporting shows an open account and a XXXXmonth/40-year term. Please update to Paid/Closed {$0.00} as of XXXX, remove negative reporting after XXXX, and provide the complete XXXX ledger and transfer/owner records. Loan XXXX was a 15-year loan and was paid and satisfied in XX/XX/year> ( Paid-in-Full XX/XX/year> ; ledger {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I received and have requested reimbursement from Bank of America for 32 fraudulent transactions posted to my credit card account on XXXX XXXX XXXX totaling XXXX. 
I reported this fraud immediately upon notice of these charges on my account on XX/XX/XXXX. 
I did not make or authorize any of these transactions. Despite their claim that these charges originated from one of my devices, I have not received any proof or explanation of how these transactions were conducted. This lack of evidence is concerning and does not align with the protections guaranteed under the Fair Credit Billing Act and their own fraud policies. I have called the BofA fraud department three times and requested details on how and why the claim has been denied and have received nothing to date.

In addition, I would expect that their fraud detection controls should have flagged these transactions early in the process. They all come from the same organization - XXXX XXXX for XXXX XXXX, an organization I have never heard of let alone ever done business with. This organization is linked to online fraud which can be easily seen through a simple XXXX search. I would like an explanation as to why their fraud detection algorithms didnt detect this strange pattern of charges. 
I have requested in writing that BofA investigate this matter thoroughly and reverse these charges immediately. I expect them to provide written confirmation that my account will be credited for the full amount of XXXX and that any associated fees or interest will be removed. 
I have filed a police report with XXXX XXXX as well. ( XXXX XXXX XXXX : Case # XXXX ) I have been a loyal Bank of America customer for over 35 years, however I will terminate my relationship with the bank if this is not resolved promptly.

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 2026-01-07 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: CO

Complaint narrative:
Timeline of Events and Willful FDCPA Violations : XX/XX/XXXX : I served a formal dispute and an explicit " Cease and Desist '' directive to the companys legal counsel, XXXX XXXX XXXX, regarding an alleged debt of {$1400.00}. This notice acted as imputed notice to all principal entities, including Resurgent Capital Services and LVNV Funding LLC. 
+4 XX/XX/XXXX : In willful violation of the cease and desist, the company generated five ( 5 ) separate collection letters for the single alleged debt on this date. 
+2 XX/XX/XXXX : I received all five ( 5 ) letters simultaneously, as confirmed by my XXXX Informed Delivery digest. These mailpieces carry distinct internal tracking/batch markers ( including XXXX XXXX XXXX, XXXX XXXX, and others ), proving these were separate, willful mailing actions. This " bombardment '' constitutes conduct intended to harass, oppress, or abuse a consumer in direct violation of 15 U.S.C. 1692d. 
+4 XX/XX/XXXX : I sent a formal " Notice of Intent to Sue '' via Certified Mail ( Tracking # ending in XXXX and XXXX ). In this notice, I formally rejected their insufficient validation and elected Mandatory Arbitration pursuant to the governing Cardholder Agreement.

+4 XX/XX/XXXX : I received a " verification packet '' from Resurgent dated XX/XX/XXXX. This packet contains a false and deceptive statement ( Page 1, Para 2 ) claiming that a previous attempt to provide notice was " returned by the XXXX XXXX XXXX as undeliverable ''. This is a demonstrable falsehood and a violation of 15 U.S.C. 1692e, as I have all five previously mailed letters in my possession, received at my current address.

+3 Validation Failure : Despite my demands for a specific Bill of Sale or Chain of Title, the company provided only a self-generated " Account Summary Report '' and old statements. They have failed to prove legal standing or ownership of this specific account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
This happened on XXXX the year of 2023. They false accused me of not paying rent and the landlord at the time was making corrupt transactions with the students who were living at that complex. The price is at {$5400.00} around that. I sent out letters as well to go against and no response yet!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding my banks handling of a fraud incident involving XXXX and cryptocurrency, in which I was the victim of a social-engineering scam. I am requesting assistance to ensure my bank conducts a full and fair review under consumer protection and fraud liability standards. 

I was selling a XXXX XXXX XXXXXXXX virtual reality headset on XXXX XXXX when I was contacted by an individual claiming to be an interested buyer. The buyer agreed to purchase the item for {$300.00} using XXXX. I was then informed that the XXXX payment failed because I did not have a XXXX business account. 

Shortly after, I was contacted by an individual impersonating a XXXX representative who claimed to be assisting with the transaction. This individual stated that my account needed to be upgraded to a business account and that a {$500.00} verification transaction was required to receive the payment. Believing I was communicating with a legitimate XXXX representative, I followed the instructions provided. 

The impersonator then claimed additional verification was required to prevent fraud or account suspension and used urgency and authority to pressure me into immediate action. I was instructed to send funds via cryptocurrency and was repeatedly assured that all funds would be refunded once verification was completed. 

Based on these false representations, I authorized the transactions under fraudulent pretenses. After the transactions were completed, further payment requests were made, and communication eventually stopped. I received no refunds, goods, or services. The total financial loss from this incident is approximately {$3500.00}. 

I reported the fraud promptly and provided documentation including transaction records, messages, wallet addresses, and screenshots. Despite this, I am concerned that my bank may categorize this incident as authorized transactions without fully considering that the authorization was obtained through impersonation, deception, and coercion a known and documented form of financial fraud. 

I am requesting that the CFPB review this matter and require my bank to conduct a thorough investigation consistent with consumer protection standards, including consideration of social-engineering scams, XXXX impersonation fraud, and good-faith consumer reliance on false representations. I am seeking fair reimbursement consideration and appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to follow up on CFPB Complaint No. XXXX, filed on XX/XX/XXXX, regarding Mr. Cooper Mortgage . Two material issues raised in the original complaint remain unresolved. 

XXXX. Incorrect Payee on Refund Check On XX/XX/XXXX, Mr. Cooper issued a refund check payable to The XXXX XXXX XXXX. This is incorrect. The refund should have been issued to XXXX XXXXXXXX XXXX XXXX XXXX XXXX, which is the legally required entity. A check issued to an individual instead of the trust can not be deposited. 

Copies of both checks are attached for reference. I am requesting that Mr. Cooper immediately void and reissue the refund check to the correct legal entity. 

XXXX. Incomplete and Unsupported Premium Refund Calculation While Mr. Cooper provided a copy of the insurance policy, they failed to provide any explanation or itemized calculation supporting the refund amount. 

The total premium charged was {$2200.00}, equivalent to {$180.00} per month. Coverage appears to have been in effect for approximately 2.5 months, which would total {$460.00}, leaving an expected refund of {$1700.00}. However, Mr. Cooper refunded only {$1500.00}, without any breakdown or justification for the discrepancy. 

On XX/XX/XXXX, I contacted Mr. Cooper to request correction of the payee. I was told that I was no longer authorized on the account and that no corrective action would be taken. 

In Mr. Coopers response to the original CFPB complaint, they stated : Mr. Cooper processed your request to issue checks under XXXX  XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( {$31.00} ), and XX/XX/XXXX ( {$1500.00} ). 

This statement is inaccurate. The checks were not issued to the Trust, despite their representation to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Capital One Bank ( USA ), N.A. regarding its refusal to allow me to redeem earned cash rewards after the forced closure of my credit card account. 
On XX/XX/2026, I discovered that my Capital One Quicksilver credit card account had been unilaterally and unexpectedly closed by Capital One. At the time of closure, the account had accumulated approximately {$3400.00} in cash rewards, which were earned through legitimate purchases made in accordance with the cards terms and conditions. 
Since the closure, I have contacted Capital One multiple times by phone to request redemption of the earned rewards. During these calls, I explained that although the account was closed, the rewards had already been earned through prior spending and should therefore remain my property. Capital One representatives refused my request and stated that the rewards could not be redeemed due to the account closure. 
I believe Capital Ones actions are unfair and potentially deceptive. The cash rewards were earned prior to the account closure, and withholding them after the fact deprives me of benefits that were promised and accrued in good faith. At no point was I provided with a clear explanation or advance notice indicating that earned rewards would be forfeited upon closure, nor was I given an opportunity to redeem them. 
I am requesting the CFPBs assistance in reviewing this matter and facilitating a resolution. Specifically, I am seeking : Redemption or reimbursement of the approximately {$3400.00} in earned cash rewards ; and A clear explanation from Capital One regarding the legal and contractual basis for withholding earned rewards after account closure. 
Thank you for your time and attention to this matter. I appreciate the CFPBs assistance in protecting consumers from unfair financial practices. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: WA

Complaint narrative:
The merchant marketed and sold opening-week lift tickets implying normal resort operations. On opening day, only a single trail was available and the resort closed significantly earlier than shown on their usual hours of operation, the trail opening conditions were released the day before our trip. This constituted a materially reduced service relative to what was sold. Chase declined my dispute without meaningfully addressing the discrepancy between the marketed service and the actual service delivered. 

A significant portion of my group consisted of beginner skiers and snowboarders. On the date of use, the resort opened only a single trail, which was classified as an intermediate ( blue ) run. As a result, beginner participants were unable to safely access or use the terrain despite having purchased full-price lift tickets. 

Additionally, because the entire resorts skier traffic was bottlenecked onto a single lift servicing this lone open trail, lift lines were excessively long. Due to this congestion and the resorts early closure, our group was unable to complete even a single run before operations ended. 

In effect, the purchased serviceaccess to skiable terrainwas not meaningfully provided to us on that day, despite the tickets being honored in name only. 

Although the lift tickets were purchased with XXXX XXXX, that coverage did not provide a meaningful remedy in this situation. The resort did not disclose the severely limited lift and terrain availability until immediately prior to opening day. By the time this information was made available, our travel and lodging accommodations had already been booked and were non-refundable, making cancellation impractical.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX for a XXXX XXXX. After the diagnostic they calculated how much will the treatment product be and because it exceeded my budget and I was thinking on not purchasing the product, they offered me to finance the purchase through CareCredit/Synchrony Bank with 0 interest for 18 months. The people from XXXX XXXX XXXX XXXXXXXX applied for the credit and they set up an automatic monthly payment. At the end of the 18 months, the credit statement shows that I still owe them {$1500.00} which more than the amount I applied for at the time of purchase. 
On the XX/XX/XXXX statement I have a balance of $ XXXXand the interest charge is {$690.00}. That means I pay about 80 % /month interest which is 960 % /year. I called Synchrony Bank to ask about this interest and after spending a while in hold all I got from them was that you can find all the information online in your account. They havent given me an explanation for the {$690.00} interest charge neither wanted to work at all. 
I think this is a fraud. I applied for a care credit which I wanted to be paid off during the promotion period, only to find out 18 months later that I owe them more than the initial purchase ( without using the card for any other purchases ). The information I got from XXXX XXXX XXXX XXXXXXXX was that during the 18 months period I will have 0 % interest and after that the interest rate will be 39 % for the remaining balance.

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 2026-01-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
I used my Cash App Card ( general-purpose prepaid Visa debit card ) to pay a merchant XXXX XXXX XXXX XXXX  ) for services that were never provided. 

After the services were missed, the merchant acknowledged that the services were not rendered and attempted to issue refunds multiple times. These refund attempts failed because the merchant did not have sufficient funds to complete them. I have written confirmation of the attempted refunds. 

I reported the transactions to Cash App and filed a dispute for services not rendered. I provided Cash App with documentation including proof of payment, communications with the merchant confirming the services were not provided, evidence of attempted refunds, and a police report. Cash App acknowledged that all information was reviewed. 

Despite this, Cash App denied my dispute and subsequent appeal and stated that the decision was final. Cash App has refused to reopen the claim or reverse the charges. 

When I formally requested copies of the documentation, evidence, and reason codes used to deny my dispute, Cash App did not provide the records and instead responded with a generic statement that the appeal decision was final, without addressing my request for documentation. 

The charges were for services not rendered. The merchants inability to fund the refund should not shift the loss to the consumer. I am requesting regulatory review of Cash Apps dispute handling practices and refusal to apply prepaid debit card consumer protections in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On my credit Bank XXXX XXXX, XXXX, loan from chase bank are scam. They're not mine. I've been scammed!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a complaint against American Express regarding an account that appears on my credit reports. I dispute this account and assert that American Express has repeatedly contacted me via email, despite my requests to cease communications. I have documented proof of these contacts.

These actions violate the Fair Debt Collection Practices Act ( FDCPA 1692c ( b ) ), which prohibits communication with unauthorized parties or repeated harassment, and potentially violate the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i & 1681e ( b ) ) by reporting inaccurate or unverifiable information to credit bureaus.

I request that the CFPB investigate this matter and direct American Express to : Immediately cease all electronic communications regarding this account. 

Verify the account with all credit bureaus ( XXXX XXXX XXXX XXXX XXXX  ). 

Remove the account from all credit reports if verification can not be provided.

Company response to consumer: Closed with explanation