vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FB FINANCIAL CORPORATION
State: TN

Complaint narrative:
LoanXX/XX/XXXXXXXX I have insurance payment added to escrow account with First Bank, I received letter from insurance company says my policy up for renewal, I called FirstBank to see why they didn't make payment on time, they said we will take care of it but send us the letter you received from insurance company, I sent them the letter and then couple weeks after I received another letter says my insurance policy is cancelled due to non payment, called FirstBank again to see if they sent payment, they said we will get this issue fixed today, XXXX week later I called again to double check, they said your loan file is good and we updated the insurance, almost a year later FirstBank themselves sent me letter telling me that they placed lender insurance on my property for {$3800.00} I tried several times over the phone and emails to explain to them what happened, and also tried to reinstate the policy with my insurance company, insurance company refused, FirstBank kept saying you have to pay that amount, there is no way to cancel lender placed insurance even after I bought another insurance policy for the next year, I couldn't fix this issue or make them believe that I called last year to make sure policy is active and my file is updated, the {$3800.00} is taken already from my escrow account which make my escrow account balance negative and today I received mail from FirstBank showing the new monthly payment after dividing the shortage overXX/XX/XXXX month, now my mortgage payment went up almost {$150.00} which is too much for me I sent them certified mail asking for my call logs so I can proof that I called several times trying to fix the issue but they refused to provide me with call logs last time I called the new servicer for the loan said look like your file is dropped in the transfer process from FirstBank to XX/XX/XXXX ( new servicer ) so please please step in and help me getting my money back since this is not the first time for them to do the same mistake and last time was in 2021, they made me pay XX/XX/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: Managing an account — Problem accessing account
Company: Block, Inc.
State: NC

Complaint narrative:
Its saying I cant use my new number due to previous activity but I just got this number

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: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am submitting this complaint regarding my accounts with American Express. I held multiple accounts, including business and personal credit cards, and maintained all accounts in good standing by consistently making at least the required minimum payments. At no point did I miss a payment on any of my personal accounts. During this time, my company filed for bankruptcy. Despite this, I continued making substantial payments toward the business account and remained current on all personal accounts. Without prior warning or clear explanation, American Express abruptly closed all of my accounts, including my personal cards, even though they were in good standing. Following the closures, I was still able to make minimum payments for a period of time. However, I was later unexpectedly prevented from making any payments at all. When I contacted American Express, I was informed that both my business and personal accounts had been sent to collections. I was never clearly notified that the full balances were being accelerated, nor was I given a fair opportunity to continue making payments before the accounts were transferred. I believe this situation is unfair and potentially improper. I made every effort to remain current and fulfill my obligations, yet I was denied the ability to continue making payments and was sent to collections without adequate notice or explanation. I am requesting a full review of this matter, including documentation of all notices allegedly provided, clarification of why payment access was restricted, and reconsideration of the handling of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The company is calling about a supposed XXXX XXXX XXXX debt with Bank of America for {$2000.00} and asking me to make payments, claiming there is a civil lawsuit against me.

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: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
To Whom It May Concern, I am writing in regard to the alleged debt you claim I owe. Under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you immediately cease and desist all communication with me regarding this matter. I request that you : Stop all phone calls to my home, cell phone, and workplace. Cease all written communication, except as allowed by law ( such as notifying me of specific legal action, if applicable ). Refrain from contacting any third parties regarding this alleged debt. Be advised that I am documenting all communications and any further contact beyond what is permitted under federal law will be considered a violation of the FDCPA and may be reported to the Consumer Financial Protection Bureau, Federal Trade Commission, and my state Attorney General. Additionally, I dispute this alleged debt and request validation, if applicable, under 15 U.S.C. 1692g. Until such validation is provided, you must cease collection efforts. Failure to comply with this request will result in formal complaints and potential legal action. I am writing in response to your communication regarding an alleged debt. I do not acknowledge this debt and request full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : The name and address of the original creditor. The account number associated with the alleged debt. The amount of the alleged debt, including an itemization of any interest, fees, or charges. Documentation showing that I am legally obligated to pay this debt. Proof that your company, XXXX XXXX XXXX, has the legal authority to collect on this debt ( including a copy of the assignment or purchase agreement ). A copy of any signed agreement or contract associated with this debt. Verification that the statute of limitations has not expired on this debt. Until you provide proper validation of this debt, you must cease all collection activities and communication with me, as required by the FDCPA. If you are unable to provide the requested documentation, I request that this matter be closed and that any reference to this account be removed from my credit report. I also request that all future communication be conducted in writing only. Thank you for your cooperation. Sincerely, XXXX XXXX

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: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I purchased furniture for my new home in XXXX from The XXXX XXXX and have been making the minimum monthly payments since then. As of XX/XX/XXXX, my outstanding balance is approximately {$5000.00}. While reviewing my account statement, I noticed that I have been charged {$9300.00} in interest, which exceeds the original purchase amount. I contacted the company for clarification, and they stated that I had agreed to a XXXX payoff term. However, this does not reflect the agreement I made with the dealer at the time of purchase. My understanding was that the financing was structured as a long-term loan of over XXXX years. Please find the attached documents supporting my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: SECURITY FINANCE CORP
State: MO

Complaint narrative:
XX/XX/year> around XXXX XXXX, I called to Security Finance In XXXX XXXX XXXX where I have an active loan that I pay installments on. I spoke with XXXX asked if I had anything available to refinance & I was told by XXXX that if I make a payment then they can refinance my loan but to call back after the payment was submitted. So I did what I was told and called back, XXXX picked up the phone and told me that she would call me back after XXXX gets out of the bathroom as XXXX is training XXXX and wanted XXXX to undergo the entire process with us. I made my payment online and they called me back at XXXX XXXX and told me that even though they received my payment, unfortunately they couldn't refinance the loan over the phone as I am the only person they've ever seen that's flagged in the system so I would have to come into the store even though I've refinanced over the phone multiple times with them with no issues until today. I have never been told XXXX time that I have to physically go into the store I've always done it over the phone as I am a XXXX person that can not drive myself. I don't know what the issue was with the lying to me but I feel like they played me just to get the payment early because they know that I'm XXXX. My step mother also joined the call and I guess everybody thought it was a joke as they were laughing and just being rude the entire time. Also I asked several times why I would be flagged in the system and was told by the agents that they have no idea I'm the only person they've ever seen flagged even though I make my payments on time and that's their private servers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
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: TX

Complaint narrative:
In XXXX of XXXX I was the victim of Fraud in my XXXX account. The individual ( s ) reversed two automatic payments on my loan with Chase Bank ( Account Number : XXXX ). The Reversal of Payments occurred on XX/XX/XXXX and XX/XX/XXXX. When this was discovered I contacted Chase Auto and explained the situation and they waived the late fee on XX/XX/XXXX and assured me this would not be reported given the situation. I payed everything the month XXXX and payed off the loan on XX/XX/XXXX. I have written a letter to the credit division of Chase, spoke with several representatives and even disputed on my credit reports to no avail. They usually respond that the payments were late. Of course, I have not denied this but I was a victim of fraud and thankfully XXXX helped me work this out. I have had two loans with Chase and have NEVER been late ( with the exception of this fraud issue ). This has really hurt my credit and would like it removed.

Company response to consumer: Closed with explanation
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: Block, Inc.
State: TX

Complaint narrative:
From the end of XX/XX/year> into XX/XX/year> I had my business cash app card and phone stolen. In my account I had money inputted and used for XXXX XXXX, XXXX and other random purchases. I disputed the purchases when I got a new phone and account back. I was able to get some funds back but not all. After some of my disputes were approved or denied my account got closed. I was told it was closed based on their terms and agreements but that was it. I havent gotten the chance to make an appeal for the account or get specific dates for you because now they wont even let me log into my profile that has the information posted.

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: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I activated my Chase Sapphire Reserve offer for {$350.00} statement credit for XXXX XXXX membership prior to purchasing the whoop life membership on XX/XX/XXXX for {$380.00}. I also qualified for a military discount and my total was reduced to {$350.00} that was paid for with my Chase Sapphire Reserve card. I called Chase support on XX/XX/XXXX to inquire about when I would receive the statement credit for this purchase. I was told that I met the requirements and the Chase rep was not sure why I hadn't received the credit yet and I should wait as it could take up to a full statement for the credit to show up. The terms on the promotion stated that credit would be applied within XXXX business days. My second call to Chase was on XX/XX/XXXX where I was told that I did not meet the requirements for the promotion since my purchase was less than the required {$350.00}. I offered to mitigate the issue by contacting XXXX and removing the military discount or returning the product and repurchasing since I was still within my XXXX day window. This representative told me that this wasn't necessary and that I should allow them to file an escalation case for me to have this reviewed and approved by the marketing department, which she stated would take another XXXX business days. She assured me that I would be taken care of and that the case would be approved. I followed up with Chase support on XX/XX/XXXX and was told that the escalation case was still being reviewed and that it takes XXXX business days instead of the initial XXXX business days that I was initially told. I called back on XX/XX/XXXX and was told that my my escalation claim was denied because I didn't meet the minimum spending requirements of {$350.00}. At this point, I expressed my frustration because now I was outside of my XXXX day return period and I reached out to Whoop, but they weren't able to revert the military discount to push the total back to {$380.00}. The representative added notes to the case and asked the case to be reviewed again and I should check back in another XXXX business days. My final call to Chase support was on XX/XX/XXXX to check the status of my escalation case and was told that it was denied again due to being under the required amount. This promotion is misleading because it does not state that there is a minimum spending requirement. It states verbatimly, " purchase a XXXX XXXX Membership Annual Plan on whoop.com by XX/XX/XXXX '', which I did. I feel as though I made every attempt to rectify this issue with Chase, but was misled into believing that Chase would work with me to resolve this issue.

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 caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A checking account was opened with Wells Fargo that contained {$500.00} in late XXXX. This account stayed static ( no changes to the balance ) until XX/XX/XXXX. At this point, a monthly service fee started being levied against this account. This monthly service fee charged the following : - {$10.00} on XX/XX/XXXX - {$10.00} on XX/XX/XXXX - {$15.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. For a total of {$65.00}. There was no explicit notification that a monthly service fee would be levied in the form of mail or email, and instead this was hidden in the monthly bank statements ( which were not being checked since the account was not in active use ). I requested a refund from Wells Fargo, but they only provided a refund for XXXX of the charges ( {$15.00} ). They still have taken {$50.00} from me.

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: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am submitting a follow-up complaint regarding Synchrony Bank and my Amazon Store Card account due to unauthorized account activity, inaccurate reporting, and continued damage to my credit profile. To be clear, I did open and initially use this account for small purchases totaling approximately {$31.00}. However, I never received a physical card and experienced issues accessing the account. Once I became aware that late payments were being reported, I immediately contacted Synchrony Bank, paid the balance in full on XX/XX/XXXX, and requested that the account be closed. At that point, the account had a XXXX balance and should have remained closed with no further activity. Despite this, Synchrony Bank later reopened the account in XX/XX/XXXX without my knowledge or consent. This has already been acknowledged in their prior response. After the account was reopened, a charge dated XX/XX/XXXX was placed on the account through a subscription service. I did not authorize this account to be used for any subscriptions and was not aware that the account was active or capable of being charged. This charge only occurred because Synchrony Bank reopened an account that I had already paid off and requested to be closed. Synchrony Bank is now reporting this account as if it reflects normal account usage, including reporting late payments and listing the account as closed by consumer. This is misleading and does not accurately reflect what occurred. The late payments being reported are directly tied to account access issues and the improper handling of this account, including reopening the account without my consent and allowing further activity.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express is reporting an account/debt on my credit report that is not mine. I requested proof that this debt belongs to me and asked for documentation supporting why it is being reported, but the issue has not been resolved. The company continues to report inaccurate information, which is damaging my credit. I am requesting a full investigation and removal of this account from my credit report unless the company can provide clear documentation showing that I am legally responsible for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 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: Sezzle Inc.
State: IN

Complaint narrative:
I am writing to formally report and seek resolution for a significant security breach and fraudulent activity associated with my Sezzle account. This account has been largely dormant, with no activity for over a year. On XX/XX/XXXX, my husband and I were victims of a sophisticated identity compromise and account hacking incident. As a direct consequence of this breach, unauthorized transactions totaling over {$600.00} were fraudulently processed through my inactive Sezzle account, primarily for the purchase of gift cards. A critical aspect of this security compromise involved the unauthorized porting of my personal mobile phone number to an alternative cellular carrier without my consent or knowledge. This necessitated my husband acquiring a new phone number to mitigate further risks from the extensive fraudulent activities impacting our personal data. In an attempt to comply with your request for documentation, we have been in ongoing communication with our mobile service provider regarding their demand for specific evidence pertaining to the unauthorized SIM card change or porting. While an XXXX representative did assist me in provisioning a new SIM card to restore my personal phone service following the breach, obtaining the formal documentation directly detailing the * unauthorized * porting event from the relevant carrier has proven exceptionally challenging. We are actively pursuing this documentation but have encountered significant delays and bureaucratic hurdles. I must also express my concern regarding a recent communication from a Sezzle customer support representative, who indicated a very narrow timeframe, specifically a few days, for me to provide this complex documentation. Given the nature of the identity theft and the difficulties in obtaining official records from multiple parties involved ( my original carrier, the unauthorized porting carrier, and XXXX for service restoration ), this deadline presents an undue burden. The sezzle ticket # XXXX. I dont have an actual card it is a payment application that you can buy something and make payments. I urge you to consider the severe circumstances of this identity theft and the extraordinary efforts we are already undertaking to rectify this situation

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 — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a truist account in XXXX of XXXX to receive my federal tax refund from the irs. After trying to update my address because truist wouldn't print a card until a deposit was made I couldn't receive my bank card because my account was opened with a outdated address without my knowledge or authorization someone at my previous address which is my adopted family house but I am no longer in good terms with them. I believe it was my adopted brother who accesd my card and then my account because my adopted mom has all of my social security information and birth certificates and she is a elder. But on XX/XX/year> my account and card was accessed and XXXX dollars in deposits credits and interest was fraudulently stolen between XX/XX/year> through XX/XX/year> with my balance ending in XXXX then between XX/XX/year> my bank fraudulently seized and held XXXX dollars of my funds then on XX/XX/year> they fraudulently and illegal returned a deposit in the amount of XXXX to the same suspious mobile banking transactions closing my account out and with holding information of why

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