vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
FRAUD DISPUTE TASK BASED EMPLOYMENT SCAM ( UNAUTHORIZED TRANSACTIONS BY DECEPTION ) I am submitting this statement to formally dispute {$1100.00} that were made from my bank account as a result of a fraudulent scheme. I am requesting that this be reviewed as fraud by deception, not an authorized transaction. I was targeted in a task-based employment scam involving a fake XXXX-XXXX platform called XXXX, which presented itself as a legitimate global partner for cross border XXXX operations. I was contacted by an individual posing as a mentor and was guided through what appeared to be legitimate job related tasks. As part of this scheme, I was instructed to : Transfer funds from my bank account into cash app Convert the funds into XXXX Send bitcoin to a cryptocurrency wallet provided by the scammer The platform displayed fabricated earnings and falsely indicated that additional deposits were required in order to complete tasks and unlock withdrawals. I was led to believe I was earning income and that my funds would be returned along with profits. These representations were false and intentionally deceptive. I did not knowingly authorize these transactions as legitimate payments. I was misled under false pretenses and manipulated into sending funds as part of a fraudulent operation. This constitutes fraud by deception, not a valid or informed authorization of payment. Once I realized I had been scammed, I immediately took action by : Reporting the incident to my bank Filed complaints with the federal trade commission and the FBI internet crime complaint center, police department Preserving all communications and transactions records related to this case I respectfully request that this case be reviewed as a fraud claim involving deception and inducement rather than a standard authorized transaction. I also request a reconsideration of my dispute under applicable consumer protection regulations, including protections related to electronic fund transfers. I also request that you review under fraud and scam victims, elder or vulnerable customer protection and I ask to file a regulation E claim review. If you deny I will file a complaint with Consumer Financial Protection Bureau and Better Business Bureau and XXXX XXXXl Office. I am willing to provide any supporting documentation including : Screenshots of communication with scammer Transaction records XXXX addresses used in the scheme My bank has denied or not fully resolved my dispute by classifying these transactions as authorized. I am requesting a formal review of this decision, as the transactions were induced through fraud and deception. Thank you for your time and consideration of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I submitted a Notice of Error to Rocket Mortgage ( XXXX XXXX ) regarding approximately {$4300.00} in late fees that were transferred from my prior servicer ( XXXX XXXX ) following a servicing transfer. In response, Rocket Mortgage stated that the fees were transferred from the prior servicer and that their knowledge is limited to the data provided by XXXX XXXX. They did not provide a detailed breakdown, calculation, or documentation supporting each individual fee. I specifically requested an itemized breakdown of all fees, documentation supporting each charge, and an explanation of how these fees remain valid after my account was brought current following the transfer. Rocket Mortgage did not provide this information. Instead, they relied on prior servicer data without independently verifying the accuracy of the charges. This does not appear to meet the requirements of a reasonable investigation under RESPA ( 12 CFR 1024.35 ). Additionally, payments were made after the servicing transfer that brought the account current, yet these fees remain. Rocket Mortgage did not explain why these charges were not corrected or removed after the account was cured. I am requesting : 1. A full itemized breakdown of all fees 2. Documentation supporting each fee 3. An explanation of how these fees remain valid after the account was brought current 4. Correction or removal of any improperly assessed fees Rocket Mortgages response appears to rely solely on transferred data without proper investigation or validation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate and improperly reported debt related to a former apartment lease. I entered into a written mutual lease termination agreement with my apartment, confirming a move-out date of XX/XX/XXXX, and that no adverse reporting or collections would occur. Despite this : - I was not provided a final bill until XX/XX/XXXX, after multiple requests - The account was sent to collections ( ProCollect, Inc. ) on XX/XX/XXXX, before I received any bill - The amount reported to collections ( {$230.00} ) does not match the billing statement ( {$140.00} ) - The charges are based on an incorrect move-out date ( XX/XX/XXXX instead of XX/XX/XXXX ) - A {$40.00} account credit was not applied - A claim was also submitted to a third party ( XXXX ), which is now attempting to collect, creating multiple parties pursuing different amounts I disputed this account with all three credit bureaus : - XXXX removed the account - XXXX verified it without addressing inaccuracies- XXXX also failed to correct the reporting The verification of inaccurate information indicates a failure to conduct a reasonable investigation. I made multiple documented attempts to obtain and pay the correct balance prior to escalation, but the property failed to respond. I am requesting : - Immediate deletion of this account from all credit bureaus - Investigation into the improper reporting and collection practices - Correction of any inaccurate information being furnished This situation has caused significant credit damage and distress

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 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: AL

Complaint narrative:
On XX/XX/2026, I received a letter dated XX/XX/2026 regarding a debt that IQ Data XXXX stated that I owed. In that letter, it did not provide all details required by the Fair Debt Collection Practices Act ( FDCPA ). First, the letter did not provide the address of the original creditor ( The views at XXXX XXXX ) as required by FDCPA Section 809 a ( 5 ) ; the letter also did not state that if I notify the debt collector within 30 days that any portion of the debt is disputed, then they must contain verification and mail it to me Section 809 a ( 4 ). The letter also did not state that I had 30 days to dispute the validity of the debt or it is assumed to be valid by the debt collection -- Section 809 a ( 3 ). I sent this company a certified letter with return receipt voicing these issues on XX/XX/2026 ( received XX/XX/2026 ). I stated that since they did not adhere to FDCPA rules and guidelines, I wanted this account removed from all of my credit reports. I heard nothing. I sent the 2nd certified letter with return receipt around XX/XX/2026 and they received it on XX/XX/2026. In that letter I stated that I still have not received any type of communication from them and I requested deletion from my credit reports or verification of debt. I have not heard anything. IQ date continues to report this account to XXXX and XXXX ( last reported XX/XX/2026 ). This company thinks that it does not have to abide my the guidelines/rules set out by XXXX. They are ignoring a consumer who is attempting to exercise their rights under the Fair Debt Collections Practice Act. This is the last step that I was advised to do before begin legal proceedings. I'm sure that their are other consumers who are also not being advised of their rights, I required by FDCPA. My lawyer is in the process of seeking other citizens who've had their rights violated by this company so that there can be a class action suit. This has caused great stress and has increased my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: MI

Complaint narrative:
Starting three weeks ago, my bank institution, USAA, has been placing holds on mobile deposits into my account. There have never been pulled placed on deposits in the past using the mobile app. I have called and asked three times why holds are now being placed on checks that I deposit via the mobile app. The response that has been given is the legal language from the deposits disclosure statement, and nothing specific about my account. These holds have caused me to overdraft my account on multiple occasions which have increased my stress levels astronomically. My account is currently sitting with a negative balance because of a hold that they have placed on a deposit. If no hold was placed on the deposit. My account would not be negative. I have overdrafted my account previously and no holds had been placed on my deposits at that time.

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 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
Formal Complaint Regarding Servicing Errors, Unnecessary Interest, and Improper Transfer of My Account I am submitting this complaint to report significant servicing failures by XXXX that resulted in financial harm, emotional distress, and an unexplained transfer of my account to Aidvantage. I am requesting a full investigation, correction of all errors, and written confirmation of the actions taken. 1. Unnecessary Interest and Fees Caused by Servicing Errors XXXX handling of my account resulted in the accumulation of unnecessary interest and fees. These charges were caused by : - Delays in processing my repayment plan requests - Misapplication or misallocation of payments- Placing my account into forbearance or administrative status without my consent - Failure to provide accurate information about available repayment options I am requesting a full audit and reimbursement of all interest and fees that accrued due to XXXX errors. 2. Emotional and Financial Harm XXXX repeated misinformation, delays, and mishandling of my account caused significant emotional distress, financial strain, and loss of time. I made multiple attempts to correct these issues, and the burden of navigating these errors has had a direct impact on my wellbeing and financial stability. I am requesting that this harm be acknowledged and addressed as part of the resolution. 3. Lack of Transparency Regarding Transfer to Aidvantage My account was transferred from XXXX to Aidvantage without clear explanation or justification. I am requesting : - A detailed explanation of why my loan was transferred - Confirmation of whether the transfer was related to servicing errors, compliance issues, or internal corrective actions- Assurance that the transfer did not negatively impact my repayment progress, interest, or eligibility for federal programs

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
b'I am reporting a severe procedural violation of Regulation Z (12 CFR 1026.13) by Synchrony Bank regarding a $XXXX charge. The bank has failed to conduct a "reasonable investigation" and has demonstrated a bad-faith pattern of purging administrative records and resetting statutory clocks to evade the Fair Credit Billing Act (FCBA).\n\nTimeline of Events:XXXX XXXX XXXX XXXX: The merchant was contractually obligated to ship the goods by this date but failed to do so.\n\n XXXX XXXX XXXX: I opened the initial dispute (Case #XXXX) for non-receipt. Despite being told I had 60 days to submit evidence, the bank prematurely closed the case on XXXX XXXX (only 26 days later).XXXX XXXX XXXX XXXX: I reopened the dispute via telephone (Case #XXXX.\n\n XXXX XXXX XXXX Certified Mail evidence was delivered to Synchrony (Tracking: XXXX XXXX XXXX XXXX XXXX XXXX).\n\n XXXX XXXX XXXX A representative explicitly confirmed receipt and stated the evidence was attached to Case #XXXX.\n\n XXXX XXXX XXXX: I contacted Synchrony multiple times to check the status. Representatives repeatedly confirmed the case was active and evidence was intact.\XXXX XXXX XXXX XXXX: I discovered that the merchant, in response to my dispute, provided fraudulent tracking data from an older, separate order instead because this current order was never shipped. To give me time to provide evidence of this tracking fraud, a customer service representative escalated it and allowed me more time to submit evidence.\n\n XXXX XXXX XXXX A representative confirmed the system showed XXXX XXXX as the scheduled review date.\XXXX XXXX XXXX XXXX: I submitted a targeted rebuttal packet via fax providing undeniable proof of the merchant committing tracking fraud.XXXX XXXX XXXX XXXX A representative confirmed receipt of the XXXX XXXX evidence and confirmed it was attached to the file.\nXXXX XXXX XXXX XXXX: On the first business day after the resolution was due, I contacted Synchrony multiple times. Multiple representatives explicitly stated that Case #XXXX "does not exist" or is not in their system. I was forced to open a third dispute (Case #XXXX to restart a process that has been active for 95 days.\n\nSynchrony Bank is in violation of 12 CFR 1026.13(f). The merchant provided fraudulent tracking only after a dispute was initiated for a missed XXXX deadline. Despite having confirmed proof of this tracking fraud, the bank "lost" the dispute file. A "reasonable investigation" cannot occur when a bank fails to maintain the consumer\'s administrative record to avoid making a final determination.'

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 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX XXXX # ending in XXXX file XXXX XXXX this is an incorrect attempt to collect a debt. Amount is incorrect

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 2026-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Approximately one month ago, Ally Bank froze my savings account containing approximately {$10000.00}, citing suspected fraud or suspicious activity. They have not specified what activity triggered the freeze. During the course of trying to resolve this, my wife and I voluntarily informed Ally Bank that my son had been helping me manage my finances and had made transfers between my accounts. Ally Bank 's representatives treated this information with suspicion, though they have never formally stated it is the reason for the freeze. Since the freeze was placed, I have contacted Ally Bank by phone four times over the course of four weeks. During each call, my wife and I were asked to verify our personal identity information, which we provided each time. Despite completing this verification process four times, Ally Bank has : - Refused to provide any written communication regarding the status of the investigation - Refused to provide any estimated timeline for resolution - Refused to explain specifically what activity they believe to be fraudulent - Asked me to provide details about which accounts were involved and the amounts transferred, which I can not answer because I am locked out of my own account and can not access my transaction history I have approximately {$10000.00} inaccessible to me with no explanation and no end date in sight. Ally Bank has given me no path forward to resolve this matter despite my full cooperation over four weeks.

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 2026-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPAS, Inc.
State: MO

Complaint narrative:
Issue : Improper {$720.00} medical collection despite {$0.00} patient responsibility maternity benefit under plan I am filing a complaint regarding a {$720.00} medical debt being collected by NPAS Solutions on behalf of XXXX XXXX XXXX XXXX XXXX for Claim # XXXX ( date of service : XX/XX/year> ). This claim was processed under my XXXX XXXX XXXX XXXX XXXX plan. According to my plan benefits, maternity and childbirth professional services are covered at {$0.00} patient responsibility. Despite this, the Explanation of Benefits shows a {$720.00} patient responsibility, which I am disputing as inconsistent with my plan coverage and likely the result of provider billing or coding error. I have made multiple good faith attempts to resolve this issue directly with both the provider and insurer, including filing insurance appeals. The issue has not been corrected or properly explained. Instead of resolving the billing discrepancy, the provider placed the account into collections. The debt has since been transferred between multiple collection agencies and is currently being collected by NPAS Solutions, despite being actively disputed. Key concerns include : Plan benefit states {$0.00} patient responsibility for XXXX professional services XXXX shows {$720.00} patient responsibility that appears inconsistent with plan coverage Provider has not corrected or rebilled the claim despite appeals Account has been transferred between multiple collection agencies while disputed Collection activity continues without proper validation of the debt I am requesting : Immediate investigation into why patient responsibility was applied contrary to plan benefits Recall of the account from NPAS Solutions and all collection agencies Correction and audit of the original claim by XXXX XXXX XXXX XXXX XXXX Written confirmation of correct patient responsibility, if any Removal of any negative credit reporting related to this account I am not refusing payment of a valid obligation ; I am disputing a charge that appears inconsistent with my insurance benefits and has not been properly validated despite multiple attempts to resolve it. I request prompt investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am filing a complaint against Barclay regarding an improper {$690.00} service fee associated with a Barclay Black Card. I have been a Barclay account holder in good standing for over six years, and it was based on this existing relationship that I was extended an offer to apply for the Barclay Black Card. I initially accepted the offer to apply. During the application process, I was asked to submit sensitive personal documentation via fax, including proof of address, my Social Security card, and my drivers license. I made multiple attempts to provide the requested documentation ; however, I was repeatedly informed that the fax transmissions were not readable. Due to these ongoing issues and concerns about the safety and security of transmitting my personal information, I made the decision to decline the offer and discontinue the application process. As a result, the account was never fully opened, the card was never activated, and I never used the card or received any benefit from it. Despite this, Barclay charged me a {$690.00} service fee. I contacted Barclay in XXXX and XX/XX/XXXX to dispute this charge and request its removal, but they refused to correct the issue. In XX/XX/XXXX, Barclay contacted me in an attempt to collect this fee, and I clearly refused to pay, as I do not owe a debt for an account that was never completed or used. This charge has been reported to the credit bureaus and has significantly damaged my credit score.

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX 's Account number # XXXX, amount {$8900.00}. Current Creditor Jeferson Capital account number XXXX. Not sure since I received a letter from a XXXX business. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you have sent proper documentation, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete the account as soon as possible from my credit report, or I will have to take legal action.

Company response to consumer: Closed with explanation