vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
XXXX XXXX I tried disputing transactions because my XXXX XXXX XXXX child used my money to transfer funds on chime to a random stranger without my consent. reached out to person and they refused to send my money chime denied the dispute because it came from my phone even though it was my child. Provided proof and still denied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/XXXX I noticed I had not been receiving my usual distributions from Chase XXXX. I called and inquired about it and was told they would look into it but that I could continue to use the services. The following Monday I called and visited my local branch and was told that there was a security case opened and they would escalate but that my payments from XXXX ( XXXX ) were the only funds accepted. Again, they told me I could continue to use XXXX and it was still active on my account both through the website and the app. Now, today on the XXXX I was told over the phone that all of my funds from XXXX XXXX until today are being withheld with no timeline for when they will be released nor why they are even being held. The worst part, is that XXXX is still active on my account so they are telling me they are keeping my funds they are still processing today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
My Cash App account was permanently deactivated on XX/XX/2026. While I understand the account closure, I still have a remaining balance of {$490.00} and have been unable to withdraw my funds. On XX/XX/XXXX around XXXX XXXX, I attempted to withdraw my funds using my XXXX XXXX card, which was declined. I contacted support and was instructed to try a different debit card. Following that instruction, I attempted a family members card, which was also declined. I then retrieved my primary debit card and attempted again, which was also declined. After following these instructions, I was later informed that too many cards had been linked to my account and I could no longer add or use debit cards or bank accounts. This left me with no way to access my funds. On XX/XX/XXXX, Cash App confirmed that my remaining balance of {$490.00} would be sent to me via a mailed check. I provided my full name and mailing address as requested and completed identity verification through their XXXX system. As of XX/XX/2026, I have not received my check. It has been over three weeks since they confirmed payment would be issued and over two months since my account was closed. Cash App has acknowledged that these funds belong to me but has failed to deliver them. I have also received inconsistent responses from support, including claims that my information was not received, which contradicts earlier communication. I am requesting immediate release of my {$490.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/year>, I opened a new checking and savings account with Citizens Bank. I successfully initiated the following funding transactions, totaling {$1300.00} : {$50.00} initial deposit to the Checking Account. {$50.00} initial deposit to the Savings Account. {$200.00} additional deposit to the Savings Account. {$1000.00} incoming transfer to the Checking Account. Shortly after these funds were initiated, Citizens Bank locked me out of my online banking access and abruptly closed both accounts. When I contacted customer support regarding the closure, the representative stated the accounts were closed due to " suspicion of fraudulent activity '' but refused to provide any specific information or evidence to substantiate this claim. Furthermore, the representative refused to explain the status of my accounts or provide a timeline and method for how my {$1300.00} will be returned to me. Citizens Bank is currently holding my funds without justification or clear communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I have a CITI Costco card. I made an online payment via the app on XX/XX/year> of {$460.00} to keep my account to date. An ad popped up and said that I could lower my monthly payments. I selected that and paid another {$99.00} same day to set up the lower pay rates. The next day I noticed now my Citi card account had been closed. I called the company and told them that I did not want to close the account I want to keep paying the balance. The company stated that there is nothing they can do on there end. I kept trying to reach out and they stated that I would receive communication from Citi bank stating why my account was closed. As of today XX/XX/year> I have never received any paper mail or email with that communication. I have never received any communication regarding the payment option I selected either. Any attempt to call them ends up in the same answer " there is nothing they can do ''. All I want is my account to remain open and I complete my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: GUARANTEED RATE INC.
State: GA

Complaint narrative:
Starting with my second auto draft payment, I've had issues with this company. That second payment was applied to interest only. No principal. Since then I've made multiple payments that were to be applied to principal only or additional amounts on the normal payment to reduce principal. This payments have not all been processed correctly. Multiple payments and excessive interest since the second payment are in error on the daily interest calculation. The rep I spoke with agreed and said it would be corrected. He came back this week saying no error and no correction. It's beyond clear on my spreadsheet tracking that they have mishandled my payments towards my loan to benefit their company with excessive interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: AmeriHome Mortgage Company, LLC
State: OK

Complaint narrative:
We weren't able to make payments due to me losing 40 % of my income, so we placed the house on the market to sell. We got an offer but after paying all the fees, we still would have owed over {$3000.00} that I don't have. So we took the house off the market and was going to do a Deed in Lieu of Foreclosure. The mortgage/collection company, XXXX, told me that instead of doing that, to do a short sale on the home for the most that we could get. So it was listed as a short sale and we got an offer on it. Everything has been submitted to XXXX that they asked for on XX/XX/XXXX at XXXX. We were told it could take up to 30 days to get the approval. It's now been almost 2 months. We are set to close on the home on XX/XX/XXXX but our short sale realtor is just waiting on the short sale price approval so that we can do it. My wife and I have both called and called to get the information/approval but all we are told is that they will send the underwriting department a message and someone will call us back. But we have not gotten a call back. This is going on 2 months. They also told us that while this was going on, they would NOT put the house in foreclosure. But we just found out that foreclosure proceedings started last month. We just need the price approval so that we can get this done and paid.

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 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
Subject : Formal Complaint Identity Theft, Fraudulent Accounts, and Failure to Correct Reporting To the Consumer Financial Protection Bureau, I am submitting this formal complaint against Community Choice Financial , Inc., including its TitleMax brand, regarding fraudulent accounts opened in my name as a result of identity theft and the companys failure to properly investigate and correct the matter. I did not open, authorize, apply for, or benefit from any loan, title loan, line of credit, or other financial transaction with TitleMax or any affiliated entity. These accounts were opened without my knowledge or consent using my personal information. After discovering the fraudulent activity, I notified the company and submitted an identity theft claim. Rather than resolving the matter, the company denied my claim, stating there was insufficient evidence. They have refused to remove the fraudulent accounts, balances, liens, and any associated credit reporting. This has caused ongoing financial harm, stress, and damage to my consumer record. I believe the company has failed to meet its obligations to reasonably investigate identity theft claims and to correct inaccurate information after notice of fraud. I am requesting immediate intervention and the following relief : 1. Immediate deletion of all fraudulent accounts opened in my name 2. Removal of any balances, liens, fees, or collection activity tied to those accounts 3. Correction and deletion of all negative or inaccurate credit reporting associated with these fraudulent accounts 4. Written confirmation that the matter has been resolved and the accounts were determined to be fraudulent 5. Confirmation that my personal information will not be used for future collection or account activity related to these fraudulent transactions Timeline of Events : - Fraudulent accounts were discovered in my name involving XXXX XXXX XXXX XXXX XXXX - I submitted an identity theft claim to the company - The company denied the claim, citing insufficient evidence - The fraudulent accounts remain unresolved I am prepared to provide supporting documentation, including identity theft reports, dispute correspondence, and any additional evidence requested. Please investigate this matter and require the company to correct these fraudulent accounts immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/year>, I was the victim of a coordinated social engineering scam and account takeover. Earlier that day, I attempted to send {$1800.00} through XXXX XXXX to purchase a motorcycle but accidentally sent funds to the wrong recipient. While trying to resolve this issue, I searched for XXXX XXXX customer support and unknowingly contacted a fraudulent individual impersonating customer service. This individual convinced me to download XXXX under the false claim that it was required to reverse the transaction. I was unaware that this would grant full remote access to my device. Once access was obtained, the individual took control of my phone for several hours. During this time, I observed them rapidly navigating through multiple financial applications, including XXXX, XXXX XXXX, and my banking apps. I questioned their actions, but they reassured me it was part of the refund process. Without my knowledge or consent, the individual intercepted funds that had been returned to me and used them to conduct unauthorized transactions, including a {$1800.00} purchase of XXXX. I did not authorize, initiate, or intend to make any cryptocurrency purchase. At the time, I was under the belief that I was working with legitimate customer support to recover my funds. The situation escalated when the individual attempted additional transactions and accessed multiple accounts. At that point, I realized this was fraudulent activity, immediately terminated contact, and contacted my financial institutions, including Navy Federal Credit Union, to report the incident. This incident constitutes an unauthorized electronic fund transfer resulting from fraud and account takeover. Any access granted to my device was obtained through deception and does not represent authorization of any financial transaction. I am requesting a full reinvestigation and reimbursement of the {$1800.00} unauthorized transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2026, my PayPal account was compromised, resulting in over {$80000.00} in fraudulent, unauthorized transactions. I have filed a police report ( XXXX XXXX XXXX ) and an FBI report. PayPal denied my fraud claim. I urgently needed the complete IP address logs, device IDs, and routing metadata for these transactions to provide to federal investigators. PayPal support has refused to provide this security data, instead offering a basic XXXX accounting file which does not contain the required forensic information

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 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: VA

Complaint narrative:
I had a Wells Fargo Everyday Checking account that had been fee-free because I met the prior waiver condition of maintaining at least a {$500.00} minimum daily balance. My XXXX, XXXX, and XX/XX/XXXX statements still showed no fee being charged, and my account remained above {$500.00} during those periods. Later, Wells Fargo changed the fee-waiver requirements so that the minimum daily balance requirement increased from {$500.00} to {$1500.00} for fee periods beginning on or after XX/XX/XXXX, and the monthly service fee increased from {$10.00} to {$15.00} for fee periods beginning on or after XX/XX/XXXX. The notice of this change was placed inside my monthly statements in a page-3 disclosure section rather than through any clear separate alert tied to my checking account. I received statements electronically in the app only. Although I did review statements before the fees were first applied, I did not notice this buried disclosure and did not have meaningful awareness that the account terms had materially changed before fees started being deducted. As a result, Wells Fargo charged me a $ 10 monthly service fee on XX/XX/XXXX, and then $ 15 monthly service fees on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, for a total of {$55.00}. After I contacted Wells Fargo, the bank refunded only one {$15.00} fee on XX/XX/XXXX, as a courtesy, and refused to refund the remaining {$40.00}. I believe the disclosure was not reasonably conspicuous in practice and that the fee change was not communicated in a way that gave me meaningful awareness before repeated charges occurred. I am requesting that Wells Fargo refund the remaining {$40.00} in monthly service fees and review its disclosure practices for account fee changes.

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 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have a Capital One account. Someone else has created a Capital One account and opened a credit card using my personal email address. I have contacted Capital One about this multiple times, and they refuse to help and remove the other person 's card from my email. I have forwarded every single email intended for the other person to XXXX, and they still haven't taken any action. I recently called Capital One about this, and they refused to help or verify why someone else is using my email for their credit card. I can not stop these emails as I also have a Capital One card and receive legitimate email communications from Capital One for my legitimate card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
Trying to collect money a debt that's already been PAID but insurance! In which I had no dealing with or any knowledge of!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I made a purchase of some floor tiles using Cash App, the transaction went through to the seller using the same app, XXXX weeks later and I'm still have not received the tiles or a refund through Cash App, I've been declined 5 times already with no explanation and have sent the seller at least XXXX messages for my product or a refund and no answer that's why I tried Cash App support and spoke on the phone with them and they have not supported me at all. I have provided Full documentation on this matter and been ignored. They have her name and her new last name she just changed on the account. Also, someone changed the XX/XX/XXXX purchase to declined and well as XX/XX/XXXX see pics. I asked them to reach out to the seller or suspend the account until resolution but was ignored, again. I only want what is due to me, the item I purchased or a refund but not the run around I been getting the for the last month from Cash App support. On the Cash App, you can view your transactions and it shows the seller received my funds successfully, but Cash App support disagrees and said they can not help. They have made no attempts to the seller what so ever and XXXX done all the investigation myself to prove I will not back down from scams and fraud they let this seller get away with.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing this complaint regarding Cash Apps failure to properly investigate and resolve unauthorized electronic fund transfers and their violation of Regulation E requirements. On XX/XX/year>, unauthorized withdrawals totaling thousands of dollars were made from my account after my phone was stolen. I did not authorize these transactions or grant access to any individual. I initially filed a dispute, which Cash App denied on XX/XX/year> under XXXX XXXX. XXXX. I then filed a separate and independent dispute on XX/XX/year> ( XXXX XXXX. XXXX ) regarding these unauthorized transactions. This XX/XX/year> dispute has not been properly handled. To date : - Cash App has not issued any written determination for XXXX XXXX. XXXX - More than 10 business days have passed since the dispute was filed - Cash App has not issued provisional credit as required under Regulation E - Cash App has instead improperly relied on the prior denial ( Case No. XXXX ), which is a separate case Recently, Cash App provided documentation they claim supports their denial. However, the documentation only consists of a basic transaction summary listing dates, amounts, and Manual Cash Out entries. This documentation does not demonstrate authorization and does not reflect a reasonable investigation. Cash App failed to provide : - Device or session data tied to the transactions - IP address or location information - Authentication records ( PIN, biometric, or verification steps ) - Any evidence that I initiated or authorized these transactions Providing a list of transactions only confirms that the transactions occurred. It does not prove that I authorized them. Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 C.F.R. 1005.11 ), Cash App is required to conduct a reasonable investigation and either complete it within 10 business days or issue provisional credit. Cash App has failed to meet both requirements. Additionally, their response using the wrong case number demonstrates that they have not properly investigated the XX/XX/year> dispute. This matter has also been escalated to arbitration due to Cash Apps continued failure to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC reported a collection account of {$630.00} on my credit report ( opened XX/XX/year>, reported XXXX XXXX, 2026 ). I do not recognize this debt and have no record of owing this obligation. LVNV has not provided validation or proof of debt. The debt origin is unknown to me no notification, no original creditor identification, and no evidence of a valid assignment chain. I request immediate validation of this debt and removal from my credit report if LVNV can not provide proof of my liability and legal right to collect. This appears to be an invalid collection attempt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: OH

Complaint narrative:
LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation