vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, I logged on XXXX website to make my monthly pymt that was due on XXXX XXXX. I clicked on the option to pay " custom '' amount of {$600.00} on the credit card bill. This was higher than the minimum pymt due ( see att 'd proof. ) It is obvious that XXXX is using bad A.I. artificial intelligence & because I then rec 'd an email indicating that I need to pay my acct on XX/XX/XXXX, from XXXX yet I had already made this pymt on XXXX XXXX, which is a business day, not a wknd. Upon getting this email, I was concerned as I already made a pymt of {$600.00} & logged back in. Upon doing this I see that XXXX is taking out {$690.00} and not {$600.00} as I indicated!! I immediately called on XX/XX/XXXX & spk to a supervisor " XXXX '' who permitted me to record this call. XXXX called me a liar! And said only I have control over the website on how much I pay! I explained to him that there have been constant problems with the website portal as I called in XXXX about this b/c the " digital letter '' they sent via email, I was not able to view & said error! ( see attached proof ) I educated him that XXXX recently made changes to their website due to the issues & that I had to re register or confirm my acct., just recently b/c they sent email asking to confirm the acct because they made updates to their website portal. ( see att 'd proof ) Instead of working towards a resolution XXXX cont 'd to deny that I only made a {$600.00} pymt even when I indicated that if they take incorrect amt of {$690.00} my checking acct will bounce checks!! After asking him to work toward a resolution, he said he'd open an investigation that takes XXXX days & then they'd snail mail me a paper check of {$690.00} after 60 days. I told him this is UNACCEPTABLE as I paid via a routing/check acct # & they NEED TO REVERSE THE CHARGE as their website is NOT WORKING PROPERLY. I had already complained about their website not working properly b/c when I filed a dispute, the website didn't allow me to show proof of the dispute.. then XXXX didn't properly manage the dispute as per FDIC regulations b/c it merely sided with the merchant, without allowing me to show proof on the website & didn't give me an email address to show the proof! It also refused to allow me to see the merchants ' response my dispute & XXXX just sided with the merchant probably using A.I. WITHOUT EVEN ALLOWING ME TO PROVIDE PROOF OR SEE THE MERCHANTS RESPONSE WHICH VIOLATES BANKING REGULATIONS! I told XXXX that if this IS NOT CORRECTED IN XXXX BUSINESS DAYS & WHEN MY CHECKNG ACCT GOES INTO NEGATIVE STATUS DUE TO THEIR ERROR/MISMANAGEMENT, I'LL FILE A CIVIL SUIT W/ MY ATTORNEY! all of this was recorded. Govern yourself accordingly.

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 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: DC

Complaint narrative:
plaza service never heard of this company .. they fraudulently reported on my credit without my consent .. no proof

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon checking my credit report I noticed an unauthorized acct opened in my name that I did give consent for, please remove from my acct immediately!! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Upon checking my credit report I found a fraudulent account opened on my credit report, without my consent. Please remove

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 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
ON or about XX/XX/XXXX A student loan was taken out in my name I did not attend the school nor did u authorize anyone to use my name and son number. I did not find out about this loan until XXXX of XXXX when I was informed by offset fro my federal taxes that I owed a loan.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Hello, I was told by a Citibank customer support representative ( over the phone ) back in XX/XX/XXXX that my account would be closing and that Id be receiving an account closure check but I never received it. I got an email XX/XX/XXXX saying my account was closing and that Id be receiving an account closure check and it is now XX/XX/XXXX and I still have not received the account closure check. I also wrote/sent a letter a month or two ago to Citibank Client Services about my situation but I have not heard back from them. The check amount is {$700.00}. Please send me the account closure check. Thank You

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 2026-04-06 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: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/year>, XX/XX/year>, and XX/XX/year>, multiple unauthorized transactions were made on my Cash App account using my Cash App card. The charges include : - {$150.00} from XXXX on XX/XX/year> - {$210.00} from XXXX XXXX on XX/XX/year> - {$210.00} from XXXX V XXXX on XX/XX/year> These merchants appear to be fraudulent and do not have a legitimate business presence. I did not authorize any of these transactions, and I believe my card information was compromised and used without my consent. I reported these transactions to Cash App and filed disputes on XX/XX/year>. I also secured my account and took steps to prevent further unauthorized use. Despite clearly reporting fraud and experiencing financial hardship, Cash App has refused to provide provisional credit while the investigation is ongoing. Support representatives have not provided clear assistance regarding provisional credit eligibility and have only advised me to wait up to 45 days. These are unauthorized card transactions, not a dispute over goods or services. I should not be held responsible for fraudulent charges while the investigation is pending. I am requesting that the disputed funds be provisionally credited back to my account immediately and that this matter be reviewed urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Resurgent and lvnv collection agency starting beginning this year calling, sending emails old and closed accounts also lvnv garnished me XX/XX/year> without prior notification. Resurgent balance XXXX and lvnv balance XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I sent XXXX to $ XXXX, XXXX XXXX for what I thought would be a room I was renting. Instead I was only allowed in first day to put all belongings in the house to then never be slowed back in when I finally was my stuff had been sold bed was broken someone was in my room when I got there smoking a cigarette inside the room living in there completely ruined my mattress in different spots. Come to find out hes done this exact scam to multiple people on XXXX and cashapp has refused for months to say I should get the money back when all banks I have and police say they are liable they let a scam account stay open and even with sending picture and text message proof they have refused to do anything about the matter wont even close down the account of his and when you go to send money to him its pops up as fraud now but they never shut it down they are more pleased with getting paid then they are actually helping people who get screwed over and making sure it never happened again after being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
On XX/XX/year>, I notified Rocket Mortgage that the appraisal for my property contained multiple factual inaccuracies, including the wrong foundation type, incorrect bathroom count, wrong attic type, and missing appliances. I asked for the appraisal to be corrected and for an explanation of how the loan could move forward with an inaccurate report. Instead of addressing the errors, the loan officer told me the appraisal was fine and encouraged me to proceed with the loan as is to close sooner. I did not receive a corrected appraisal, and the company attempted to continue the loan process despite the documented inaccuracies. I am requesting a full review of the appraisal and the conduct of the loan officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
They lowered my credit limit without cause using made up reasons. My income last year temporarily tanked due to emergency eye surgeries. Nonetheless, I made all payments on time and over the minimum required due to my reserve emergency account. Additionally, I am back to full time work, my income will actually be higher this year and by the end of XXXX I will have already paid back {$10000.00} in credit card debt. They refused to reverse their decision which was arbitrary and capricious. Their actions also caused my credit score to get worse by increasing my ratio of debt to available credit. Two other cards did the same thing at the same time, causing a cascading lowering of my credit score even though I met all my obligations. I will be complaining about hem as well.

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
am filing a formal complaint regarding a {$750.00} promotional bonus associated with my Chase business checking account that has not been honored despite full compliance with all terms. I opened my sole proprietorship business checking account on XX/XX/XXXX, at the XXXX XXXX branch in XXXXXXXX XXXX XXXX together with a family member. We both applied the same promotional coupon ( Earn up to {$750.00} ), and the banker, XXXX XXXX, explicitly confirmed that the offer was successfully applied to my account. At the time of account opening : The coupon was accepted and processed in-branch I was provided with printed confirmation The banker showed me internal system verification that the promotion was attached I relied on these confirmations in good faith. Compliance with Promotion Terms : I fully satisfied all requirements within the required timeframe : Deposited over {$20000.00} in new money within 30 days ( confirmed XX/XX/XXXX ) Maintained the required balance for at least 60 days thereafter Completed at least five qualifying ACH credits within 90 days Per the promotion terms, the bonus should have been credited within 15 days after meeting all requirements. That timeframe has already passed, and the bonus is now overdue. Issue : When I contacted customer service to track the promotion, I was told that no promotion was attached to my account, directly contradicting what was confirmed at account opening. I returned to the branch on XX/XX/XXXX, where : The banker was surprised the offer had disappeared A branch manager was involved An internal investigation was initiated I was later told this was likely a system error and that the bonus would be manually applied. However : The bonus has still not been credited Customer service continues to state there is no record of the promotion No clear resolution timeline has been provided Chase confirmed internally that a case was sent to their Research Team on XX/XX/XXXX ( Case ID : XXXX ), but no resolution has followed. Concern : This situation is deeply concerning and appears to involve : Misrepresentation of promotional terms at account opening Failure to honor a confirmed and verified promotion Inconsistent and contradictory internal records Failure to resolve the issue after escalation I acted fully in good faith and met all conditions. Chases failure to honor this promotion undermines trust and may constitute deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute two accounts listed on my credit report. I am requesting an immediate investigation pursuant to 15 U.S.C. 1681i ( FCRA ). I dispute the accuracy and legal validity of the following accounts : 1. Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Reported Balance : {$6000.00} 2. Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Reported Balance : {$3700.00} Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ) Article 9, I request that you provide the original signed contract or security agreement bearing my signature that authorizes the reporting of this alleged debt to the credit bureaus. As this is a " consumer transaction '' under the UCC, a valid security interest can not attach to a consumers credit report without a written agreement authenticated by the debtor. If the furnisher of information ( Nelnet/Department of Education ) can not produce a wet-ink signature or a valid electronic signature ( compliant with E-SIGN Act ) establishing that I agreed to the specific terms under which this account is being reported, this entry constitutes a violation of my rights under the FCRA and must be deleted immediately. If your agency can not verify the accuracy and legal standing of this account with the original creditor within 30 days as required by law, you are required to delete these tradelines from my credit report. Please send the method of verification and copies of the original signed documents to the address listed above. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Betterment LLC
State: VA

Complaint narrative:
I am attempting to execute a direct rollover of my Traditional IRA held at Betterment LLC into my employer-sponsored 401 ( k ) at XXXX XXXX XXXX This is a standard, lawful retirement account transfer. XXXX does not accept ACATS transfers into XXXX ( k ) accounts and requires a physical check. To initiate the check distribution from Betterment, a XXXX XXXX XXXX ( XXXX ) is required. I have initiated the XXXX process at two separate financial institutions XXXX XXXX XXXX and XXXX XXXX and both have been unable to complete the stamp for the same reason : Betterment 's Letter of Intent ( LOI ) is hand-typed rather than on official XXXX XXXX, and both institutions require a letter from Betterment ( the " XXXX XXXX '' ) confirming that a hand-typed XXXX is acceptable before they will provide the guarantee. I contacted BettermenXXXX XXXX on multiple occasions ( Support Requests XXXX XXXXXXXX and # XXXX ). Betterment 's representatives have refused to produce either ( a ) an official letter on Betterment letterhead confirming the XXXX XXXX is valid, or ( b ) a Betterment-generated LOI on official letterhead. The most recent response from Betterment XXXX directed me to find a local institution to obtain a medallion signature a response that entirely missed the documented issue. As a result, Betterment is effectively blocking my ability to transfer my own retirement assets to another qualified plan. I have been unable to complete this rollover despite good-faith efforts and compliance with all documentation requirements on my part. I am requesting that the CFPB : XXXX. Investigate Betterment 's failure to provide documentation necessary to facilitate a standard IRA rollover. XXXX. Require Betterment to produce the required contra-firm letter or official LOI so this transfer can be completed. XXXX Review whether Betterment 's rollover documentation practices comply with applicable ERISA and IRA transfer regulations. Supporting documentation available : Betterment support correspondence, XXXX XXXX XXXX rejection notice, XXXX, LOA from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint Against : XXXX Chase Bank XXXX : Checking / Debit Card Issue : Unauthorized transaction / claim denial I am submitting this complaint regarding Chase Banks handling of a debit card claim totaling {$110000.00}. I reported the transaction and initiated a claim more than XXXX months ago. Since that time, Chase has repeatedly stated that the matter has been escalated internally ; however, the claim has been denied without providing a clear, specific, or substantiated explanation for the decision. On XX/XX/year>, I was informed by a Chase representative that the claim had been escalated multiple times and that no further internal resolution would be offered. I was also told that a written explanation of the denial would be provided, but as of today, that explanation has not been received. Chases failure to provide a timely and specific explanation, along with the prolonged delay in resolving this matter, raises serious concerns regarding whether a reasonable investigation was conducted and whether the results of that investigation were properly communicated. Due to the lack of resolution, I have been forced to file for arbitration with the XXXX XXXX XXXX XXXX XXXX ), Case # XXXX. I am requesting that Chase : Provide a detailed written explanation of the denial, including all evidence relied upon XXXX whether a reasonable investigation was conducted and how it was performed Reimburse the full amount of {$110000.00} if the denial can not be substantiated The claims was originally file XX/XX/year>. This matter has now been ongoing for over XXXX months without a satisfactory explanation or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: KY

Complaint narrative:
I had my income taxes deposited into my chime banking account of the amount of XXXX which was deposited on XX/XX/XXXX. Than on XX/XX/XXXX starting at XXXXXX/XX/XXXX money was transferred out to autumn j amount of XXXX, XXXXXX/XX/XXXX amount of XXXXXX/XX/XXXXgone out of my account within XXXX min. I filed a police report on XX/XX/XXXX. Along with a letter from the rehab I was in at the time this all took place. I don't understand why they diend my claim when I proved to them that it was me at the time because in rehab u don't have asses to any phones at all. Please help me get my money back please. I also called chime on XX/XX/XXXX as soon as I found out that my taxes were deposited into my account to let them know hey that was me making them transaction and they did nothing to help me with this matter. I talked to them on XX/XX/XXXX, XXXX, XXXX plus on XX/XX/XXXX, XXXX XXXX as soon as they denied my claim and explained to them over and over again. All my claims got denied the day after I filed them. How can they do a proper investigation only in one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Summit A*R, Inc.
State: AL

Complaint narrative:
Re : Dispute of Employment Information Due to Identity Theft Dear [ XXXX or HR Department ], I am writing to formally dispute the employment information you have on file for me, as I believe it may be the result of identity theft or an error. Under 15 U.S.C. 1681c-2, I am entitled to dispute and request the removal of any fraudulent or inaccurate information that may be adversely affecting my employment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year> I received texts from a person who had hacked my daughters phone and requested that i send payments totaling XXXX there were XXXX transactions, XXXX for XXXX and XXXX for XXXX. Once I was made aware a that I was scammed and that these funds were not requested by my daughter I contacted Bank of Americas fraud department and submitted my claim. However, because it was a zelle transfer they would not refund my money. Stating that I authorized the payment. I submitted to them documentation showing that my XXXX ' phone had been hacked and I sent them copies of the texts which were sent to me requesting the money. I have submitted XXXX claims and they never extended me the courtesy of responding to my last submitted request for review and processing of the documentation showing that I had been scammed.

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