vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing this complaint regarding the restriction and closure of my JPMorgan Chase checking and investment accounts, as well as the resulting issues with my Transfer of Assets ( TOA ) request to XXXX. Over the past several days, my Chase banking relationship was restricted and ultimately closed without a clear explanation. My digital banking access was disabled, preventing me from viewing my balances, checking account activity, investment holdings, or transfer status. I was repeatedly directed between Chase phone support and local branches, but neither side was able to provide consistent or actionable information. At the time of the restriction, I had active investments in my JPMorgan Self-Directed Investing account, including stock positions that I specifically did not want liquidated. Before the investment account was closed/restricted, I initiated a Transfer of Assets ( TOA ) request to XXXX in XXXX to move my securities in-kind and preserve my positions and cost basis. The transfer request was submitted around XX/XX/2026. XXXX confirmed the request was sent to JP Morgan Securities and initially showed the transfer as In Progress with an estimated completion date. However, the transfer request later showed Needs Attention and stated that the account was restricted. Since then, I have received conflicting information from Chase representatives. Different representatives have told me : - my investments would be liquidated immediately, - that I would have 60 days before liquidation, - that there is a block currently holding up the transfer, - and that I should call back later for updates regarding the restriction. No representative has been able to clearly explain : - whether my securities have already been liquidated, - whether my positions are still being held in-kind, - whether the transfer to XXXX can still proceed, - or when I will regain access to my funds. This situation has caused significant financial hardship and emotional distress because these accounts contained essentially all of my accessible funds and investments. I am unable to monitor or manage my investments due to the loss of online access, and I am concerned about forced liquidation of my securities at prices I did not choose. I am requesting : 1. Clear written confirmation of the status of my investment holdings and whether liquidation has occurred. 2. Clarification on whether the XXXX XXXX request can still proceed. 3. Access to my funds and investment proceeds within a reasonable timeframe. 4. A clear explanation for the restriction and closure process and why I have received inconsistent information from multiple representatives. I am not disputing Chases right to review or restrict accounts under its policies. However, I am requesting transparency, consistent communication, and timely access to my assets and investment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SOFI TECHNOLOGIES, INC.
State: DE

Complaint narrative:
On XX/XX/year>, I submitted an electronic bill payment from my personal financial institution, XXXX XXXX XXXX Sofi credit card in the amount of {$60.00}. On XX/XX/year> I received an email from Sofi bank stating my account was past due and a payment of {$90.00} is now due. After reading the email I logged onto my Sofi credit card account on their website and initiated a payment of {$90.00}. I then called Sofi spoke to a customer service representative for assistance with researching the electronic payment sent from my financial institution for {$60.00} on XX/XX/year>. The representative stated that there was no payment received. My account was suspended and the late fee could not be adjusted until my account was in good standing. I also spoke with other representatives and account managers named XXXX XXXX who were unable to assist and did take ownership of my issue. I contacted my financial institution XXXX they informed me the payment was sent electronically to Sofi on XX/XX/year> transaction ID XXXX and the payment should have been received within XXXX to XXXX business days. On XX/XX/year> I received an email from Sofi stating my credit line had been reduced because of a history of late payments with Sofi. I immediately called Sofi spoke to an account XXXX named XXXX who did not assist me in researching this and would not assist me with reinstating my credit limit waiving the late fee or stating why Sofi never posted my payment. She interrupted me multiple times and did not assist me with my questions regarding my payment made on XX/XX/year> the reinstatement of the credit line waiving of the late fee and interest and any other matter pertaining to the missing payment. XXXX then disconnected the call. I called back spoke to XXXX ( extremely curious and helpful ) an account XXXX who informed me my payment made on XX/XX/XXXX was posted on XX/XX/XXXX for {$60.00}. My complaint is Sofi intentionally failed to post my payment in a timely fashion when my payment was made well before the due date. This caused my account to hit an internal strategy and my limit was reduced. This practice seems suspicious with the reduction of my credit line when I have never made a late payment to SoFi and they never posted my payment. I am asking SoFi to credit my late fee credit finance charges an explanation as to what happened to my payment and why it was not posted in a timely manner and my credit line reinstatement since this is obviously a bank error To date nothing has occurred

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was promised that the first purchase with care credit would be interest free. After a year I was charged back interest, which was not told to me at that time. The balance went from XXXX to over XXXX dollars, the difference was interest. I was not given notice of this at time of purchase, opening the card or prior to the change in interest, thus I was not even given an opportunity to pay it off early, avoiding this. This falls under bait and switch and does not give consumer the proper information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

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 non-monetary relief
Consumer complaint received 2026-05-21 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal has continuously asked me to verify my social security number so I can access my money. I have done this XXXX times and every time they refuse to resolve the issue. They continue to deny me access to my funds despite me providing them with the requested information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Truist Bank is in direct violation of Regulation E ( 12 CFR 1005.11 ) regarding an unauthorized/disputed debit card transaction on XXXX. The executive office has falsely claimed that an online visa debit card transaction is 'not an electronic purchase ' to evade the 10-day provisional credit requirement. They are holding my funds for a 120-day investigation without providing the legally mandated provisional credit. I demand immediate application of my provisional credit. This transaction was on XX/XX/2026 and after trying to deal with XXXX and on XX/XX/2026 started the dispute thru Truist. Today, XX/XX/XXXX still no resolution, no provisional credit and I have had to initiate the dispute department for updates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Selene Holdings LLC
State: NY

Complaint narrative:
Selene Finance sent me a letter stating that I was approved for a Specified Terms Modification and denied for a Repayment Plan and Forbearance Plan on or before XX/XX/XXXX. On XX/XX/XXXX, I sent written requests to Selene Finance and to XXXX ( the foreclosure counsel ) asking for the full terms, conditions, and details of the proposed modification so I could review what I was being asked to sign. On XX/XX/XXXX, XXXX sent letter stating that I was approved, but again did not include any terms, conditions, payment amounts, interest rate, escrow details, or any explanation of what I was being asked to agree to. The only document provided was a signature page, with instructions to sign it by XX/XX/XXXX. Because no actual modification terms were provided, I sent a second written request on XX/XX/XXXX to Selene Finance, XXXX, and Selenes XXXX XXXX XXXX XXXX Department asking again for all details of the loan modification so I could review the offer before signing anything. As of XX/XX/XXXX, I have not received any informationneither by email nor regular mailexplaining the terms of the modification, the payment schedule, interest rate, escrow requirements, or any other conditions. Selene is requiring me to sign a modification by XX/XX/XXXX without providing the terms I am supposed to agree to. Selene Finance has not complied with several requirements of Regulation X during my loss mitigation review. Under 12 C.F.R. 1024.41, a servicer must provide the complete terms of any loss mitigation offer and allow the borrower adequate time to review it, yet Selene sent me only a signature page with a deadline and refused to provide the actual modification terms despite multiple written requests. Under 12 C.F.R. 1024.42, a servicer must timely acknowledge and respond to written requests for information, but Selene failed to acknowledge or provide the details I requested on XX/XX/XXXX and XX/XX/XXXX. Finally, under 12 C.F.R. 1024.41 ( g ), a servicer may not proceed with foreclosure while a complete loss mitigation application is pending, yet Selenes foreclosure counsel continues to move forward even though Selene has not provided the required written terms needed to resolve my application. These actions prevent me from understanding, evaluating, or accepting the modification and appear to violate multiple provisions of Regulation X. - They are effectively dualtracking pushing foreclosure while pretending to offer a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: CITIBANK, N.A.
State: CT

Complaint narrative:
Subject : Unfair treatment and Misinformation Brief description I possess a CitiBank Dividend card ending in XXXX since over 25 years and know that the card provides 5 % cash back on purchase according to Quarterly category e.g. XXXX in XXXX XXXX, grocery in Qtr XXXX etc. I talked to XXXX XXXX of Citibank ( Phone No XXXX ) on XX/XX/XXXX and he advised me that there is no more Quarterly category and every purchase earns 5 %. So, I charged {$160.00} between XX/XX/XXXX thru XX/XX/XXXX ( 3 days ) for groceries. When I received a statement, Citibank provided only 1 % of the amount spent. I called on XX/XX/XXXX and first I talked to XXXX who initially provided misinformation that 3 % is earned on every purchase. I said I was told 5 % when I talked to a representative on XX/XX/XXXX. She put me on hold as she did not know all answers and wanted to research XXXX asked to provide 5 % on my XXXX spent. She disagreed. Some of her information was confusing and unclear. She did not know all the answers and I asked to talk to a XXXX and XXXX came on line. She was abrupt, impolite and said whatever XXXX explained is everything correct.Initially she agreed to investigate the call of XX/XX/XXXX but rejected to adjust the points of XXXX purchase of {$160.00}. All this took about XXXX minutes to discuss. There is a clear problem of training at CitiBank. Citi need to take responsibility and accept accountability for misinformation and provide compensation. Citi should acknowledge mistake. My card no is XXXX XXXX grooms way, XXXX XXXX, CT 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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
I hired Freedom Debt Relief for debt settlement. I just checked my credit report and many of my debts have been charged off and put into collections. I did not know this, nobody notified me, as all communication was supposed to be done between the debtors and FDR. They are charging me fees to do nothing except pay one debt that I was already paying. None of this makes any sense. I sent them a letter stating : I am formally canceling my participation in your debt relief program effective immediately. I revoke any authorization for ACH withdrawals or electronic debits from my bank account pursuant to the Electronic Fund Transfer Act. You no longer have authorization to withdraw funds from my account. I request written confirmation that : 1. My account has been closed 2. Future withdrawals have been canceled 3. No additional fees will be charged Please also provide a complete accounting of : all payments made all fees charged all settlements completed remaining balances held This is absolutely horrible, they are ruining peoples lifes!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV Funding LLC Is trying to collect on a debt purchased from XXXX XXXX, I have sent a written request for a validation of this debt in XX/XX/year> and LVNV Funding LLC have not responded with a validation to this debt they have failed to show that I have a legal contract with them for this debt and has failed to show any signed agreement that I had with XXXX XXXX or any payment history to prove the requesting debt is actually and LVNV Funding has reported the debt to credit bureau without verification that it is owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: MOHELA
State: GA

Complaint narrative:
In XX/XX/year>, autopay unexpectedly stopped processing on my student loan account serviced by MOHELA during an account access/login transition involving outdated authentication information. During this time, I was unable to successfully log into the account to manage or verify the autopay status, and I was also unable to get timely assistance from customer support due to extremely long hold times. As a result, the issue was not immediately discovered and the loans became delinquent. Prior to this incident, I had maintained a perfect payment history and had never missed a payment on any account. Once I became aware of the issue, I immediately brought the account current, and the loans have remained current and in good standing since that time. Because the loans are reported as multiple tradelines, this single underlying autopay failure resulted in XXXX separate XXXX late payment reports being added to my credit history. This caused severe damage to my credit profile despite the issue arising from a one-time account access/autopay problem rather than intentional nonpayment. I contacted MOHELA requesting review and reconsideration of the reporting due to the circumstances and my prior spotless payment history. MOHELA responded that the reporting was considered accurate and declined to provide any accommodation or reporting adjustment. I am requesting review of whether any correction, accommodation, or reconsideration is appropriate given the circumstances surrounding the autopay failure, inability to access the account or obtain timely support assistance, and the disproportionate impact caused by multiple simultaneous derogatory reports arising from a single event.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery Management
State: TN

Complaint narrative:
I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase bank close down XXXX of my trust accounts and suspended my personal checking and savings account. I have no access as they close down my online banking app and I cant use XXXX either. When I try to reopen XXXX in a different bank, Chase does not allow it. They also are not communicating at all with me and do not want to tell me what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: TX

Complaint narrative:
I am filing a new complaint regarding new and contradictory activity on my account following resolution of a prior fraud investigation. My bank, JPMorgan Chase, previously investigated unauthorized transactions and confirmed that the matter was resolved. I received written confirmation on XX/XX/year>, stating that no further action would be taken. Chase also provided a formal response through the CFPB confirming that claims were approved and credits were finalized. However, after this resolution : I received additional letters on XX/XX/year>XXXX confirming further finalized credits ( {$75.00}, {$99.00}, and {$490.00} ), which were part of the same fraud event Chase has now recharged a {$46.00} XXXX transaction that had already been included in the fraud claims and previously communicated as resolved This same transaction was previously stated as requiring no further action These actions are inconsistent with Chases prior written determination that the matter was resolved and no further adjustments would occur. This is not a new dispute. These are transactions tied to the same fraud event that has already been investigated and finalized. Resolution requested : A single, complete written document listing every transaction associated with this fraud event Each transaction must be clearly marked as permanently resolved and not subject to reversal Immediate removal of the {$46.00} charge and any similar re-applied transactions Written confirmation that no previously resolved transaction will be reprocessed or reversed Confirmation that no further account adjustments related to this matter will occur Chase must provide a final, consistent resolution. Continued contradictory adjustments after closure of a fraud claim are unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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