vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing this follow-up complaint to my first complaint ( XXXX ) because Chase 's previous response is unacceptable and factually incorrect. I have directly contacted XXXX Customer Support, and XXXX explicitly confirmed that there is no block on my phone number or identity within the central XXXX network. XXXX stated that the restriction is entirely on Chase 's side. This proves that the issue is 100 % a local technical glitch or an uncleared internal restriction within Chase 's database, which occurred when Chase abruptly closed and then reopened my account. However, Chase responded by saying they could not do anything, and tried to argue that it might be due to XXXX or other financial institutions placing restrictions on me. They also said even though it was Chase closing my checking account that led to my problems with XXXX, they could just close my account for any reason and it was not their fault. Chase 's front-line support is simply refusing to escalate this to their senior technical team. I do not understand why I, though I did nothing wrong, have to face the repercussion of never being able to utilize XXXX again because of Chases faulty actions. Even if Chase has the right to close my account for any reason, I do not understand why I have to face such immense consequences for something that I had no control over. Due to Chases administrative negligence and ongoing refusal to fix this issue, I have been suffering from mental stress and emotional distress for months. I have wasted countless hours on the phone with clueless representatives, and my daily financial life has been deeply disrupted because I am unable to receive or send money via XXXX. XXXX 's failure to resolve their own technical error is causing me ongoing psychological and financial harm. Chase is my first and only financial institution, and this experience is truly disappointing coming from the top bank in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
I am disputing a collection account for {$570.00} being collected by Synergetic Communications on behalf of XXXX at XXXX XXXX XXXX. The debt is being described as an early lease termination charge. I dispute this allegation and have requested documentation supporting the debt. The apartment management has stated that they do not have the resident ledger because the property changed management companies. To date, I have not been provided with a resident ledger, itemized statement, lease documentation, or evidence supporting the claim that I owe this amount. I am requesting that the collector provide complete documentation validating the debt and explain how the balance was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
This is my request for a review about the way my Apple Card fraud dispute was handled. In XX/XX/year>, there were several charges amounting to {$660.00} made on my Apple Card by XXXX. I never made nor authorized such purchases. As soon as I found out about these charges, I filed a report requesting an investigation of these charges as fraud. After opening a dispute against these charges, it was revealed to me that the charges would still fall on me as the investigation did not reveal any form of fraud. I strongly disagree with this conclusion, as I never made nor authorized these purchases and I feel that the investigation did not take my dispute seriously. The store actually suggested me to report this issue to my card company. I hope you can help me with my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
On approximately XX/XX/year>, Goldman Sachs restricted both my Apple Card account and my Apple XXXX ( Goldman Sachs ) deposit account, placing them " under review. '' This occurred after I attempted a legitimate purchase of approximately {$12000.00} for which I had sufficient available credit. As a result, I am currently locked out of my own XXXX savings deposits and can not access my money. I have contacted Goldman Sachs support multiple times by chat and by phone, including the fraud department. In every interaction I was told only that the accounts are under review, that resolution takes XXXX to XXXX business days, and that nothing can be done to expedite it. No representative would provide : ( XXXX ) the reason or basis for restricting my accounts, ( XXXX ) the name of the department conducting the review, ( XXXX ) a firm resolution date, or ( XXXX ) any escalation path. I was told the back-office review team does not accept calls or chats. Restricting access to my own deposited funds for an open-ended period, with no stated reason and no ability to escalate, is unacceptable. I am requesting : ( XXXX ) immediate restoration of access to my Apple XXXX deposit account, ( XXXX ) a written explanation of the basis for the restriction on both accounts, and ( XXXX ) a firm date by which the review will be complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX informed me that a new inquiry was completed through Citibank for a new credit card. I immediately called Citibank from abroad to indicate that I had not requested this card. Subsequently, a new AA Citibank card was delivered to my home address under a variation of my name ( missing my middle initial ), whereas my legitimate existing AA card includes my full middle name. This confirmed the new account was fraudulent. I contacted Citibank again on XX/XX/year> to close the unauthorized account and initiate a fraud investigation. On XX/XX/year>, I received a notification email from XXXX indicating that a new debit card was on its way to my home address. I immediately contacted XXXX to report that I did not request this card and have never had a prior relationship with them. This fraudulent account has since been closed at my request. I have also contacted XXXX to report these fraudulent events, and they have placed a XXXX XXXX on my credit profile. Additionally, I am receiving daily, unsolicited marketing calls and emails from lenders offering loans, which I am ignoring.

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 2026-06-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Goldman Sachs wont release my money!!! On XX/XX/year> I called GS requesting all funds be transferred to my XXXX XXXX checking account. The money fully matured in a XXXX. A GS representative stated this transaction would take XXXX days. Instead, I received a call from them claiming an error occurred, resulting in them trying again. XXXX DAYS LATER, they call AGAIN with the same excuse and claim an international investigation is taking place before they can return my money - plus a penalty for passing the grace renewal period due to their incompetence I tried offering them a different bank account - both are checking and this doesnt suffice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
Sent me a letter dated XXXX XX/XX/year> stating that there was no lie on my property Obviously they fail to check with the XXXX XXXX deed and title company company XXXX XXXX And was hired by key note consultant and rogues within XXXX to forge XXXX XXXX on this document with the intentions of showing me that they have power I shall see just how much power you have in federal court I have provided them copies on the lien which obviously was forged by rogue employees XXXX consultant and rogue debt Attorney XXXX XXXX I am demanding the release of the lien so I can sell the property failure to do so will result in my filing a lawsuit against all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
I added my daughter to my bank account when she was XXXX XXXX XXXX, when she turned XXXX XXXX XXXX, the bank locked my account because they wanted to verify my daughter 's information ; after we provided all the information, they unlocked the account after about a week. Three months later, the day I was paid, I go to get food and the bank was locked again without any other prior warning. When I called the bank to explain the situation that the required information was already provided, they said " sorry your account is closed and your money any time soon. '' With heart braking, I asked them to transfer my money to a different account, otherwise my family will go angry but they no. Since then my kids spent already a day without food and I don't know how long it will take to get that money available to me. My complain is that my kids have been forced to go angry by the bank, no baby food, no milk, no anything to eat. If they advised me, I would have transferred the money to a different account to prevent this from happening.

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 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Over 3 months i have sent 3 certified letters about ths debt not being mine 3 months they sent the same non answer boilplare ansewr mostly wanting me to call which i will not, they have sent no proff od cebt no signature no application nothing jusy a bill 3 months and the same XXXX answer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing this complaint regarding an unauthorized wire transfer from my bank account in the amount of {$24000.00}, which the bank has refused to reimburse despite clear evidence of fraud. On the same day that my accounts were compromised, a hacker gained unauthorized access to my accounts and initiated multiple fraudulent transactions. Specifically : An unauthorized withdrawal of {$9800.00} was made from one of my personal accounts. An unauthorized wire transfer of {$24000.00} was made from another account. I reported this fraudulent activity to the bank immediately on the same day it occurred. The bank placed a hold on my accounts and initiated an investigation. After their investigation : The bank acknowledged the fraud and refunded the {$9800.00} withdrawal, confirming that my accounts had been compromised. However, the bank denied reimbursement of the {$24000.00} wire transfer, stating that wire transfers are treated differently and may or may not be recoverable. This decision is inconsistent and unfair. Both transactions occurred at the same time, under the same unauthorized access, and were clearly the result of fraud. I did not authorize either transaction, and I had no involvement in initiating the wire transfer. I fulfilled my responsibility by reporting the fraud immediately. The bank has already recognized that my accounts were compromised by refunding part of the stolen funds, yet they are refusing to reimburse the larger amount without sufficient justification. I am requesting that the bank : Reopen the investigation into the {$24000.00} wire transfer. Provide a detailed explanation of how the wire transfer was allegedly authorized. Reimburse the full amount of {$24000.00}, as this was an unauthorized transaction resulting from account compromise. I believe the bank has failed to adequately protect my account and has not treated this fraud claim fairly or consistently. I respectfully request that the Consumer Financial Protection Bureau review this matter and assist in holding the bank accountable.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 explanation
Consumer complaint received 2026-06-11 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, scammers hacked into my Wells Fargo account and cashed out {$10000.00} on XXXX of my Wells Fargo credit cards. I did not authorize these transactions. SAME DAY : The scammers called me impersonating Wells Fargo fraud team. They sent me a verification code to appear legitimate and tricked me into believing they were investigating an " accidental deposit. '' They convinced me to send {$10000.00} back to them via XXXX XXXX ( linked to my Wells Fargo account ). Wells Fargo DENIED my fraud claim for both the {$10000.00} credit card cashout and the XXXX XXXX transfer. They said I am liable because I moved money from checking to XXXX XXXX, and XXXX XXXX is not covered. This is wrong under federal law : Regulation E ( 12 CFR 1005.6 ) : Consumers are NOT LIABLE for unauthorized electronic fund transfers if reported within 60 days. I reported within 15 days ( XX/XX/year> ). Fair Credit Billing Act ( 15 USC 1666 ) : Consumers can not be held liable for more than {$50.00} for fraudulent credit card charges. I reported fraud to Wells Fargo on XX/XX/year> ( within 60-day window ). Wells Fargo denied my claim and is refusing to reverse the {$10000.00} unauthorized transactions. I want : 1. Wells Fargo to conduct a Regulation E investigation within 10 business days 2. Reversal of all unauthorized {$10000.00} transactions 3. Written explanation of why they denied my claim 4. Confirmation my account is secured I have filed : FTC Identity Theft Report ( IdentityTheft.gov ) ( XXXX ) and Police Report. Documents will be uploaded once received Total amount lost : {$10000.00} Date of fraud : XX/XX/year> Bank : Wells Fargo Bank , N.A . Account number : [ 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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc.
State: LA

Complaint narrative:
Client Services , Inc . XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX I am filing this complaint against Client Services XXXX Inc. regarding a disputed credit card debt. Client Services , Inc. claims that I owe {$3000.00}. However, based on my records and understanding of the account, the balance should be approximately {$2000.00}. Before the account was placed with collections, I was enrolled in a financial hardship/payment assistance program and was supposed to be making payments under that arrangement. Despite my requests, Client Services , Inc. has not provided adequate debt validation or documentation explaining how the balance increased from approximately {$2000.00} to {$3000.00}. I have not received a complete itemized accounting showing the principal balance, interest, fees, penalties, or any other charges that make up the amount they are attempting to collect. In addition, I have received repeated collection communications from Client Services , Inc., including approximately two to three calls and/or text messages per day for the last two months. I believe these repeated communications are excessive and have caused significant inconvenience and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a named payee, along with my wife, on an insurance claim check issued by XXXX XXXX XXXX in the amount of {$8900.00}. The check was made payable jointly to XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. A copy of the negotiated check was provided to me by my insurance XXXX. Upon reviewing the negotiated instrument, I discovered that the endorsements appearing for XXXX XXXX and XXXX XXXX are not our signatures. Neither my wife nor I endorsed this check. We did not authorize anyone to endorse the check on our behalf, and we did not execute a power of attorney or any other authorization permitting another person or entity to sign our names. I have attached the negotiated check, the mitigation agreement, the direction of payment form, and the certificate of satisfaction that were executed in connection with this project. My review of these documents has not identified any provision authorizing XXXX XXXX XXXX to endorse checks on behalf of either named payee. Additionally, my wife, XXXX XXXX, was not a signatory to the attached agreements. Under the XXXX XXXX XXXX, a check made payable jointly to multiple payees generally requires the endorsement of all named payees before negotiation unless valid authority exists permitting otherwise. Neither my wife nor I endorsed this instrument, yet the check was accepted for deposit and negotiated through JPMorgan Chase. I am requesting a formal investigation into how this check was accepted and negotiated, what documentation or authority was relied upon in accepting the deposit, whether all required endorsement verification procedures were followed, and whether JPMorgan Chases handling of this transaction complied with its obligations concerning jointly payable instruments. If the investigation determines that the check was improperly negotiated, I request that JPMorgan Chase take all appropriate corrective action, including reversal of the transaction, recovery of any improperly paid funds, and restoration of the parties to the position they would have occupied had the check not been improperly negotiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The account information provided does not match any financial obligation I have previously acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I got a cal from a Capital One phoe number saying they had a fraud alert o my XXXX. They had my card number and the last 4 digits of my SS. They said they need my code to reverse the charges. I gave it to them and saw quiclky that they were actually charging my card and it looked like the charges were from XXXX XXXX. I hung up and immediately called Capital One. I reported the fraud and asked for a new card. They removed the charges. They apparently sent a letter through my account XXXX XXXX asking for more information, but since they did not send me an email or letter, I did not look for messages on my account. in XXXX I received my statement and saw they reinstated the XXXX charges which totaled {$21000.00}. When I called and spoke to two people they said that since I " participated '' in the scam I was responsible. I believe under the law that is not true. And I did not willingly participate. i sent a letter to Capital One. On XX/XX/XXXX I received an email saying the case was closed. I filed a police report on XX/XX/XXXX and just sent Capital One a new letter. Capital One did not have to pay these bills that were apparently fraud.

Company response to consumer: Closed with explanation