vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Issue : ATM did not dispense cash but account was debited ( {$1000.00} ) I am filing a complaint regarding an unresolved ATM dispute with Bank of America. My husband made two consecutive ATM withdrawal attempts in XXXX, MA, at approximately XXXX XXXX on XXXX XXXX XXXX. * First transaction : {$1000.00} withdrawal The ATM indicated the transaction was completed, but no cash was dispensed and no receipt was provided. * Second transaction : {$500.00} withdrawal This transaction was successful, and cash was received. A receipt is available confirming this transaction ( dated XX/XX/year> at XXXX ). However, both transactions were debited from the account. The bank has denied my claim twice, apparently relying on ATM camera images showing my husband holding cash. That cash corresponds to the {$500.00} transaction, not the disputed {$1000.00} transaction. There is also a discrepancy between the ATM receipt date ( XX/XX/XXXX ) and the bank statement ( XX/XX/XXXX ), which suggests a processing or timestamp inconsistency that may have caused confusion in the investigation. I am requesting a full reinvestigation, including : * ATM journal logs for both transactions * Cash dispense logs * Error codes for the {$1000.00} transaction * Camera footage with accurate timestamps * ATM settlement report for that day * Proof of cash dispense for each transaction separately Only {$500.00} was received in total.

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 2026-04-24 00:00:00
Product: Credit card — Store credit 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: CT

Complaint narrative:
A charge on my XXXX XXXX account has remained in a pending status for approximately XXXX months. Customer service at Synchrony Bank has been unable to resolve or escalate the issue, and customer service at XXXX XXXX has also been unable to resolve it. As a result, the charge remains unresolved with no clear path to correction.

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 2026-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
I did a refinance with XXXX XXXX in XXXX. A couple of days before we were to close on the refinance. My husband lost his job. We relayed that to our loan officer at XXXX XXXX and they told us that they would inform underwriting. We closed on the loan as planned, but we immediately had problems making the mortgage payment due to my husbands loss of job. We went into a Covid approved forbearance a couple of months after going into the forbearance. Our mortgage was sold to XXXX for servicing in XX/XX/XXXX my husband I began to receive frantic phone calls from a senior underwriter and XXXX XXXX wanting to discuss discrepancies in our previous refinance due to XXXX job loss. It appears the underwriter did not do their due diligence and checking on my husbands employment. they knowingly financed loan that they knew we could not afford in XX/XX/XXXX XXXX XXXX did an origination rep purchase and got the loan back from XXXX because it is flawed. They have been unwilling to work with us to get over our hardship and help us with loss mitigation. Ive done numerous requests for information that have gone unanswered or the wrong information was received back. They will not give us any documentation or backup as to the reasons why they are denying us for loss mitigation. They are actively pursuing and going down the foreclosure process while reviewing us allegedly for loss mitigation options a trial modification that we did enter into with XXXX XXXX I can not see any tracking a record of where the payments from that modification went. Theyre trying to steal my house for me from what I can tell. They violate federal law servicing guidelines., and the truth and lending act. We wouldve sold our home prior to the foreclosure except that now XXXX XXXX has added almost {$200000.00} onto our original loan amount claiming an accelerated mortgage. I dont even know what that means and cant get anyone to explain it to me. I get a different answer every time I talk to XXXX XXXX who is now rocket mortgage. I need some help! What theyre doing is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My mortgage loan was transferred to Select Portfolio Servicing ( SPS ) from XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX claims they transferred {$10000.00} in escrow funds to SPS. XXXX XXXX has claimed that the funds were transferred before the loan was set up and provided me with dates of transfer of XX/XX/XXXX. SPS 's XXXX, XXXX loan setup statement shows {$0.00} in escrow at boarding. The only balance was {$2100.00} from my first payment to SPS in XXXX not the {$10000.00} transfer. Additionally, in XXXX of XXXX, my SPS statements show escrow disbursements of {$9900.00} and {$100.00} that have never been explained. I have asked repeatedly : Who received this money? What was it for? The only verified escrow expense is {$3000.00} to XXXX XXXX for property taxes ( XX/XX/XXXX ). My supplemental taxes have NOT been paid by SPS. My insurance was prepaid at closing. I have been trying to resolve this since XX/XX/XXXX. SPS requested 30 days, which expired around XX/XX/XXXX. On XX/XX/XXXX, they sent a letter requesting another 30 days. A manager named XXXX XXXX promised to escalate to his VP and call me back. He called once, said he was waiting on more information, and has since ignored two voicemails. As of XX/XX/XXXX, I have no explanation for : - Why SPS shows {$0.00} escrow received when All Western claims they sent {$10000.00} in XXXX of XXXX? - Who received the {$9900.00} and {$100.00} disbursements and why in XXXX of XXXX? Between the missing transfer and the unexplained disbursements, approximately {$20000.00} is unaccounted for. And I know that there are no payments that were outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AR

Complaint narrative:
The beginning of XXXX Id say, I used my grandfathers card, because I work with my grandfather and his bank disputed the cards thinking they were fraud, my grandfather went to the bank to tell them and provide information about the charges saying they were authorized and it was given permission by him, I had bank emails and bank papers to provide to cashapp stating that the funds deposited were not fraud, and indeed authorized, for about 3 months cashapp has denied my claims and wouldnt even let me appeal the decision to close the account. They closed my account for fraud when Ive provided all information about the disputed charges saying it was the bank who disputed them due to potential fraud, my grandfather didnt dispute them and went to confirm card usage was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have 8 dispute cases against XXXX XXXX XXXX XXXX XXXX XXXX XXXX totaling {$7000.00}, all related to the same merchant system failure during XX/XX/XXXX XX/XX/XXXX. PROBLEM 1 INCONSISTENT DECISIONS : Case XXXX ( {$1500.00} ) was approved and credit was issued. The remaining 7 cases ( {$5400.00} ) were denied citing the 60-day rule under identical circumstances, same merchant, same system failure, same evidence, same purchase period. No explanation was provided for this inconsistency. PROBLEM 2 FAILURE TO APPLY VISA CONDITION 13.1 : Bank of America repeatedly denied all 7 cases citing the 60-day rule. However, Visa Condition 13.1 ( Services Not Received ) provides an extended timeframe of up to 540 days from the transaction date, with a 120-day window calculated from the expected service delivery date which overrides the standard 60-day rule when services have not yet been delivered. This is a future service dispute I purchased the right to receive XXXX XXXX XXXX XXXX match tickets, expected XXXX XXXX. The actual tickets have never been delivered. The service remains incomplete to this day. This dispute is well within the 540-day timeframe under Visa Condition 13.1. PROBLEM 3 FAILURE TO REVIEW SUBMITTED EVIDENCE : I submitted complete evidence packages multiple times via BoA dispute portal ( XX/XX/XXXX ), via fax ( XX/XX/XXXX ), and via BoA app ( XX/XX/XXXX ). Bank of America continued to deny cases citing only the 60-day rule without addressing any submitted evidence. The merchant has been confirmed unreachable ignored 10 direct customer emails, ignored the BBB - Better Business Bureau ( formally closed as UNANSWERED, Case No. XXXX ), and did not respond to an active CFPB complaint Case No. XXXX which remains open and unresolved. I have an open Regulatory Complaint with Bank of America Case No. XXXX. I am requesting Bank of America review all 7 denied cases under Visa Condition 13.1 and apply the same standard used to approve XXXX XXXX ( {$1500.00} ).

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 2026-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: InDebted Corporation
State: IL

Complaint narrative:
Received email from Indebted that I had a collection no option to dispute listed, no mailed information either. Tried to pay online with reference number provided, systems says I could not be found. Called XX/XX/year>, I was told they could not find me was transferred, no one answered, call disconnected, Called again, I pressed the option to make payment and then the operator this is no longer a working extension. Cant hear back from anyone nor does the system find me but my credit report shows them as a collection do a company I should not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am filing a complaint against JPMorgan Chase Bank regarding misinformation, unresolved delivery failure, a security verification failure, and the significant impact these issues have had on my family. On the evening of Monday, XX/XX/year> ( XXXX ), I contacted Chase to request expedited delivery of my new credit card. A representative asked me to verify my identity by providing my phone number, sent a one-time verification code to that number, and I successfully completed verification. The representative then told me the card had already been shipped via XXXX and would arrive within 1-2 business days Thursday, XX/XX/XXXX at the latest. Based on this assurance, I chose not to use an alternative credit card for my family 's travel arrangements, which I deeply regret as that information turned out to be false. The card did not arrive by Thursday. On Friday, XX/XX/XXXX, I called again to follow up. During that same call, the representative asked me to verify my identity using the same phone number I had successfully used on Monday. This time, however, they said they were unable to send a verification code to that number and transferred me to the security team without explanation. The security team then stated they could not verify my identity and the call ended without any resolution or scheduled callback. This is deeply troubling. The exact same phone number that passed verification on Monday was suddenly flagged on Friday, with no explanation provided. I personally made both calls from my own registered mobile number. Chase created this barrier and then abandoned me without any path to resolution. As a direct result of Chase 's misinformation and failure to resolve this issue, my family 's travel plans have been seriously disrupted. I have been unable to access my new credit card for over a week through no fault of my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 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:
I get an e-mail from cash app stating your cash app card has been deactivated and any paycheck sent to your account in the future will be returned please log into your account mile 4 waits For more information learn more so I clicked on the learn more and it says your cash app account can be closed for activity or being linked to activity that goes against the terms of service so says suspected fraud gambling and more withdraw any remaining funds how to appeal if you believe this isn't an error you may be able to appeal the decision providing more information to start your appeal tap chat below well I did all this to try to appeal it or even to find out what it is and all they could tell me was nothing they gave me no information on how I violated what violated or anything I have not violated any terms or conditions I have not gambled because I've heard a lot of people say that they shut it down for gambling I do not gamble there is not one transaction on my account that can not be verified as a legitimate personal usage so I have no idea why they would just all of a sudden close my account when I've been with them for years I used this account on a daily basis and I want my account reinstated i called several times cant get no information or any answers from cash app message i got Log in for more info Your Cash App Card has been deactivated and any paychecks sent to your account in the future will be returned. Please log in to your account ( $ XXXX ) for more info. Learn More

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
i contacted wells fargo becuse they were selling my morgage and when i looked up some of my payment history the bank didnt have it i dont belive the numbers are acurate and they are increasing my debt by deleating a time in my life i had enuph money to make extra payments they said they cant stop the sell i also did some reaserch and they failed to inform me 15 days prior to the sell. they dated a paper 15 days prior but sent it in the mail and just hoped i got it they are sapose to be sending me all my recepts in the mail also they couldnt e mail me a copy. the sell of my morgage will go threw and my debt will be increased and i begged them to at least sell the debt to my preffered bank and was forced to bank with welsfargo initaly or they wouldnt close on the house.

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 2026-04-24 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: FL

Complaint narrative:
In XX/XX/XXXX, my Chase debit card expired. I received a replacement card with a new number. I did not provide my updated card number to any merchant. I did not opt into or authorize any service that would share my updated payment credentials with third parties. Despite this, multiple merchants continued to process recurring charges against my account using my new card number a number I never gave them. The only entity that had my new card credentials was Chase. These unauthorized charges continued from approximately XX/XX/XXXX through XX/XX/XXXX, a period of over 14 months. The financial impact has been significant, causing overdrafts and diverting funds from essential living expenses. On XX/XX/XXXX, I contacted Chase customer service. The first representative I spoke with confirmed that merchants had been receiving my updated card credentials without my explicit authorization. The representative was able to unlink these merchants and disable the credential-sharing going forward. However, Chase has not yet disputed or provided restitution for the charges that were processed over the prior 14 months using credentials I never authorized to be shared. I am requesting that Chase provide a full accounting of every merchant that received my updated card credentials without my direct authorization after my XX/XX/XXXX card expiration, provide full restitution for all charges processed by those merchants during this period, and reverse any overdraft fees caused by those unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
ALL MY STATEMENTS ARE BEING MAILED SINCE THE WEBSITE CANT TAKE SUCH A LARGE FILE. YOU SHOULD HAVE THEM IN THE MAIL BY NEXT WEEK. THANK YOIU I am writing to formally dispute unauthorized charges on my account totaling {$150.00}, incurred between XX/XX/XXXX and XX/XX/XXXX. These charges consist of " Annual Fees, '' " Credit Protection Fees, '' and " Monthly Fees '' that I did not authorize. Although a supervIsor previously credited a portion of these fees total credit {$23.00}, a significant balance of {$120.00} still remains. I am requesting an immediate credit for all such charges mentioned in this letter, as well as the cessation of these fees moving forward. I only authorize standard monthly finance charges. would also like to address the persistent solicitation for credit protection. Despite having previously declined this service, I am forced to click " decline '' across four separate prompts every time I sign in to make a payment. These tactics are obstructive, unprofessional, and disregard my expressed preferences. Futhermore., I am concerned about the handling of my most recent payment. My payment is due on the XXXX of every month, and I successfully submitted my XXXX payment on time on the XXXX. Despite this, Concora Credit applied a late charge to my account, which was only later credited back. When I inquired, I was informed that because the XXXX fell on a Friday, the system automatically applied a late fee during the 2-3 day processing period. This practice is unacceptable. Reporting a late charge and subsequent " courtesy '' credit creates a misleading financial record that does not accurately reflect my timely payment history. It is unfair to expect consumers to constantly monitor their accounts for illegitimate charges that the company may or may not remember to reverse. I request that you review these systematic issues and ensure that timely payments are accurately reflected without the application of predatory or " automated '' late fees. I also request that you cease the repetitive solicitations during the login process. Attached are copies of my statements with the unauthorized transactions highlighted for your review. Please contact me at XXXX, by mail at the address above or by email XXXX to resolve this matter. If these charges are not credited promptly, I will proceed with filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX I look forward to your timely response and a professional resolution. Respectfully, XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Im submitting a complaint regarding an unintended BTC market sell through the Robinhood app and Robinhoods inadequate response to my complaint. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I purchased BTC through XXXX. Shortly afterward, at XXXX XXXX XXXX, I placed a limit sell order. On XXXX XXXX XXXX at approximately XXXX XXXX XXXX, I canceled that original limit sell order because I intended to place a new lower limit sell order. I did not intend to place a market sell order. My intention was to place a new lower limit sell order. When I attempted to do that in the Robinhood app, the limit-order option was not displayed to me as expected. While navigating the order-entry screens to locate and select the limit-order option, a market sell order was submitted and executed at XXXX XXXX XXXX I did not knowingly submit a market sell order and did not intend to sell my BTC at a loss. * Approximate amount involved : {$620.00} * Approximate BTC amount sold : XXXX BTC * Date/time of BTC purchase : XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Date/time original limit sell was placed : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX Date/time original limit sell was canceled XXXX XXXX XXXX XXXX at approximately XXXX XXXX XXXX * Date/time unintended market sell executed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Date I contacted Robinhood customer support and the matter was escalated : XXXX XXXX XXXX I contacted Robinhood support and later submitted a formal written complaint. Robinhood stated that the matter had been escalated for supervisory review. I provided screenshots showing that the limit-order option was not displayed to me, but Robinhood did not meaningfully acknowledge those screenshots or explain whether they were reviewed. Instead, Robinhood provided general instructions about how crypto orders normally work in the app and stated that executed trades are final. Robinhood later sent a response after my SEC complaint, but it still did not address whether the screenshot evidence or case-specific screen behavior was reviewed. Robinhood continued to deny relief. Im requesting a case-specific review of this matter and any appropriate relief if the app interface or order-entry flow contributed to the unintended market sell.

Company response to consumer: Closed with explanation