vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A JPMorgan Chase checking account that had been open for several years was abruptly closed in XX/XX/XXXX and designated closed for cause following two disputed transactions that the account holders did not initiate. Chase later acknowledged that the individual who initiated the disputes failed account verification and that standard fraud-prevention procedures, including required authentication steps, were not followed before the disputes were processed.

The account holders were unaware of the disputes until Chase reversed the payments and left a voicemail stating the account had been compromised. The account holders immediately contacted Chase using the number on the back of the debit card and cooperated fully. Despite this, Chase did not conduct a meaningful interview of either account holder, did not document any fraud or misconduct finding against them, and did not provide evidence supporting the for cause designation. 

Less than XXXX month after the incident, Chase closed the account without providing a clear explanation of the investigation, the alleged policy violation, or the basis for labeling the account for cause. Branch personnel later expressed confusion regarding the closure, noting that the facts did not support fraud or wrongdoing by the account holders. 

The alleged balance associated with the account was later included in a XXXX  XXXX bankruptcy filed in early XXXX and was fully XXXX on XX/XX/XXXX. Chase received notice of the bankruptcy and discharge but failed to ensure that its internal records accurately reflected the legal discharge or that no uncollected funds remained. 

Despite the discharge and absence of any fraud determination, Chase furnished information to XXXX XXXX XXXX indicating closed for cause and implied account abuse. Chase did not provide written confirmation correcting its internal records, removing risk or fraud flags, or confirming that inaccurate information furnished to third parties had been corrected. This inaccurate furnishing contributed to adverse treatment by other financial institutions after the discharge. 

The account holders repeatedly requested explanations, documentation, and corrections from Chase, including in-branch visits, but Chase did not substantiate the for cause designation, did not explain the investigation process, and did not confirm that inaccurate downstream reporting had been remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I used Affirm to finance a purchase of hair extensions from XXXX XXXX on or about XX/XX/XXXX, for a total amount of approximately {$340.00}. The loan was structured as a multi-installment point-of-sale loan, and payments were made directly to Affirm. 

After delivery and normal use, the product failed. The hair shed excessively and deteriorated rapidly, making it unsuitable for its intended purpose. This was not a matter of preference or dissatisfaction. The product did not perform as a reasonable consumer would expect. 

I reported the issue and initiated a dispute with Affirm in XX/XX/XXXX. I attempted to resolve the matter in good faith, including offering to pay a reduced portion of the balance to reach a fair resolution since I still possessed the product. That offer was ignored. 

Affirm denied my dispute and continues to require full repayment of the remaining balance, despite the unresolved product failure. Affirm has taken the position that it only provides financing and that responsibility lies solely with the merchant. At the same time, the merchant has stated that it is not responsible for issuing a refund because I did not pay the merchant directly. As a result, I am being forced to repay a loan for a transaction that failed, while both the lender and the merchant deny accountability. 

Affirms dispute handling relied on merchant assertions and internal policies rather than a meaningful evaluation of the product failure. The decision also improperly hinged on an expectation that defects be identified before ordinary use, which is unreasonable for this type of product, as the defect only became apparent after normal use. 

This process leaves the consumer with debt for defective goods and no effective remedy. Affirm approved the transaction, disbursed funds tied to a specific merchant and product, collected payments directly from me, and now seeks to enforce repayment while disclaiming responsibility for the underlying transaction. 

I am requesting CFPB review of Affirms dispute resolution practices, its handling of connected credit transactions, and its enforcement of repayment where the underlying goods were defective and the merchant refuses to issue a refund. I am also requesting corrective action on this account and assurance that I will not suffer adverse credit consequences related to this unresolved dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC
State: PA

Complaint narrative:
On XX/XX/year>, I entered into a financing agreement with Bankers Healthcare Group, LLC ( BHG ). I was told I was receiving a loan to consolidate personal debt. At the time of application, I made it clear that I did not operate a business and did not have business income. Despite this, BHG structured the loan as a commercial business loan under my name as a sole proprietor. 

The stated loan amount was {$74000.00} ; however, only {$64000.00} was actually disbursed to me. The remaining {$9500.00} was deducted upfront for fees, including a Limited Personal Guaranty, servicing fees, and document fees. These charges were financed into the loan, meaning I was charged interest on money I never received. 

The loan carried a 19.24 % interest rate over a XXXX term, with a total repayment amount of XXXX  XXXX0more than double the amount I received. The contract also prohibited prepayment for the first XXXX  months, preventing me from reducing interest or paying the loan off early. 

Despite making consistent payments since XXXX  and paying approximately {$46000.00} to date, my outstanding balance remains over {$60000.00} due to the structure of the loan and the front-loaded interest. The vast majority of my payments have gone toward interest rather than principal.

When I recently contacted BHG to request assistance or a reasonable resolution, I was told that no hardship or payment options are available unless a payment is missed or returned. In other words, I was effectively told that I must default before any assistance or resolution could be considered. 

I believe this loan was misrepresented as a viable financial product when it was in fact a high-cost, predatory loan structured to avoid consumer protections by labeling it as a business loan, despite the lenders knowledge that I did not operate a business. I also believe the upfront fees, inability to prepay, and requirement to default before receiving assistance constitute unfair and deceptive practices. 

I am filing this complaint to request review of BHGs lending practices, including the misclassification of consumer debt as a commercial loan, excessive and front-loaded fees, and refusal to provide reasonable repayment or settlement options without forcing default. 

I am seeking regulatory review, transparency, and a fair resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
On XXXX I closed on my house, XXXX XXXX XXXX. I sold it, got all my paperwork from the Title company but HomeLoanServ still say I owe them for the house, I have had so many issues dealing with HomeLoanServ, which is out of XXXX when you look at the reviews, they always have negative reviews. It is still showing on my credit as an active account and causing my credit scores to plunder. I can't buy anything due to this issue. I have called several times trying to talk to customer service or a XXXX about the issue and I get the runaround and then a hang up. When I did speak to someone they told me they were going to look into it and return my call to discuss, but that never happened. Just today, I tried to call again, and the girl ( XXXX XXXX told me their systems were down, but right before that a customer service agent was able to see the account and was trying to collect a debt. So, someone is lying. All I want is for this to be cleared on my record and credit report and make my credit good again. And also, to clear this debt from my name that I do not have anymore. I have all the paperwork from the title company showing that I sold the house and I don't own it anymore. Please help me resolve this issue and get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am reporting a fraud and scam involving Zelle payments, a cashiers check, and misrepresentation of services. 

I sent money to XXXX XXXX, who claimed to be the owner of XXXX XXXX. He represented himself as a consultant specializing in XXXX preparation and approval. He told me he would prepare and submit a XXXX ( XXXX XXXX Assistance ) program on my behalf and present it to a jury for approval. 

I built the program and formally presented it to him. He sent me multiple documents, including what appeared to be official forms, a XXXX, and a Non-Disclosure Agreement ( NDA ). After several days, he emailed follow-up questions and later claimed the program had been approved. He stated the total cost was {$7500.00}. 

I met with him in person approximately XXXX times. He maintained an active social media presence showing charitable work in XXXX XXXX, Texas, and XXXX XXXX, which made him appear legitimate and trustworthy. 

He later provided an award letter, claiming the XXXX had been approved. I shared this letter with a loan XXXX I work with. After review, the award letter was determined to be fraudulent. 

When I questioned him, he stated that because it was a federal XXXX there was no need to provide explanations and suggested the money could be considered a donation if I wished. This was never agreed to and confirmed the fraud. 

Payments Made : {$1500.00} via Zelle XXXX XXXX Bank ) {$1500.00} via Zelle XXXX XXXX XXXX XXXX XXXX ) {$4500.00} via cashiers check Total Amount Lost : {$7500.00} Fraudster Information : Name : XXXX XXXX Business : XXXX XXXX Email : XXXX Phone Number ( used for Zelle ) : XXXX I contacted XXXX Bank, which stated the transaction could not be reversed because it was authorized. I reported that the payments were made due to fraud by misrepresentation. I also contacted Zelle, which advised they could not proceed without bank recovery action. 

I have filed a police report : Police Report Number : XXXX Date Filed : XX/XX/year> Time : XXXX XXXX  I am requesting full reimbursement of {$7500.00}. These payments were made for professional services based on false representations and fraudulent documentation. I am requesting CFPB assistance in obtaining reimbursement, investigating this misconduct, and helping prevent further victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: NJ

Complaint narrative:
I am submitting this complaint to request a review of the credit reporting related to my federal student loan accounts serviced by Central Research , Inc . 

XXXX  the XXXX period and subsequent servicing transitions, my student loans were believed to be in an approved deferment or administrative forbearance. During this time, certain months were later reported as past due. I am requesting oversight and review to ensure that the reported delinquency information accurately reflects my loan status during that period, particularly given the widespread federal deferment programs and servicing changes that occurred. 

At present, my student loans are current and properly reflected as deferred, with payments scheduled to resume in XX/XX/year>. I have no recent delinquencies, collections, or adverse credit events, and I maintain positive payment history across all other obligations. 

I previously contacted the servicer to request a review of the credit reporting and was informed that goodwill adjustments are not completed. My request is not a goodwill request, but rather a request for review of accuracy and completeness of reporting related to deferment status and administrative transitions. 

I respectfully request that Central Research , Inc. review the reporting of my student loan accounts and correct any inaccuracies if identified, or provide a clear explanation confirming that the reporting is accurate. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America refuses to release a hold on a check They originally provided me with a date that is well past that now. The payer has already verified the funds left their account a long time ago.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: AL

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citibank locked me out due to a phone number error. I can not verify a number I no longer have and support refuses alternate verification. Everytime I call they XXXX  never help 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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
An FTC complaint is attached to this submission, and my prior CFPB complaint was improperly closed despite Midland Credit Managements continued noncompliance. I am filing this complaint to document that closure does not make Midlands conduct lawful. Midland failed to provide the legally required initial written notice of this alleged debt before reporting it to the credit bureaus, which is a direct violation of FDCPA 1692g ( a ) and alone carries statutory damages of up to {$1000.00}. After I disputed the account, Midland submitted a document that it claimed was validation ; however, their own attachment proves otherwise. The document provided was merely a billing statement and does not establish Midlands ownership of the debt, authority to collect or report, chain of assignment, original signed agreement, date of first delinquency, or an itemized balance calculation. This does not meet the legal standard for validation under FDCPA 1692g ( b ) or verification under FCRA 1681e ( b ) and 1681s-2 ( b ). Midlands reliance on an incomplete internal recordrather than competent documentary evidencedemonstrates that no reasonable investigation occurred. Closing my prior complaint without addressing these deficiencies does not cure the violations. Midland continues to report an unverified debt while lacking the documents required by federal law, and this account must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Geraci LLP dba Fortra Law
State: CA

Complaint narrative:
I am submitting this corrected complaint after CFPB Complaint # XXXX was erroneously sent to XXXX XXXX XXXX ( a credit card program manager ) and closed without review. That company confirmed they are not involved. This complaint is solely against FORTRA LAW, XXXX, the foreclosure trustee for my mortgage loan.

IMMINENT FORECLOSURE SALE DATE : XX/XX/XXXX SUMMARY OF VIOLATIONS BY FORTRA LAW, XXXX. : Fortra Law is acting as trustee in a wrongful foreclosure on my primary residence at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The loan is serviced by XXXX XXXX XXXX XXXX XXXX for lender XXXX, XXXX. 

Violation of CA XXXX XXXX XXXX ( XXXX XXXX ) : On XX/XX/XXXX, I submitted a complete, valid notice package to mandate a 45-day postponement of the sale, including a listing agreement. Fortra Law unlawfully refused, providing no valid explanation, in clear violation of the statute. 

Violation of XXXX XXXX XXXX XXXX, XXXX et seq. ( AB XXXX ) : No " Certification of Compliance '' was recorded or provided with the Notice of Default ( recorded XX/XX/XXXX ), as required by this new law, rendering the foreclosure process invalid.

Violation of RESPA ( 12 CFR 1024.35 ) : Fortra Law, on behalf of the servicer, has failed to acknowledge or respond to a Qualified Written Request ( QWR ) regarding accounting and document errors.

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The foreclosure is based on a loan originating from potentially unlicensed, fraudulent activity ( fraudulent grant deed created to evade consumer protections ). Fortra Law is proceeding with a sale despite known, uncured legal deficiencies.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Block, Inc.
State: IL

Complaint narrative:
A tax XXXX was put on me they withdrew XXXX from my account Cash App then sent a check to the Illinois Department of Revenue for the amount of XXXX and a process fee of XXXX the Illinois Department of revenue received the check XX/XX/XXXX of XXXX  and sent it back same day cause they said it showed i was paid in full but when I contacted Cash App they said they never received a check back I have a check number for my records but they said it doesnt show in there system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am submitting this statement to formally complain about the closure of my Chase Business Banking accounts, which occurred without any clear explanation or factual basis. 

In XXXX, I received a letter from Chase Bank notifying me that my business accounts would be closed in XXXX. The letter did not provide any specific reason for this decision, nor did it identify any alleged violations, concerns, or issues with my accounts or business activities. To date, I have not received any further clarification despite my good standing and compliance. 

I operate legitimate businesses that fully comply with all applicable federal, state, and local laws. My businesses are properly registered with all required governmental agencies, and I do not engage in any prohibited, fraudulent, or unlawful activity. At no time was I informed that my accounts were under review, that documentation was missing, or that corrective action was required on my part. 

The decision to close my accounts appears to have been made without explanation, evidence, or an opportunity for me to respond. I believe this action was unfair, unsupported by facts, and inconsistent with reasonable banking practices, particularly given the significant impact it has on my ability to conduct lawful business operations. 
I respectfully request a clear explanation for the closure of my accounts, including the specific reasons and policies relied upon in making this decision. If the closure was made in error, I request that this matter be reviewed and that appropriate corrective action be taken. 

I am prepared to provide any documentation necessary to verify the legitimacy and compliance of my businesses and would welcome the opportunity to resolve this matter promptly and professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I financed a vehicle through Toyota Motor Credit. During the loan, add-on products were included in the financing that increased the total balance and finance charges. After financial hardship, the vehicle was repossessed and later sold. Toyota Motor Credit then assessed a deficiency balance.

After the repossession and sale, Toyota Motor Credit continued reporting the account in a manner that reflects ongoing delinquency rather than clearly reporting a post-repossession deficiency balance. I requested a detailed explanation of how the deficiency balance was calculated, including payments, fees, add-on products, credits, refunds, and the application of sale proceeds.

Although I disputed the accuracy of this reporting with the credit bureaus, Toyota Motor Credit verified the account without providing documentation that explains or supports the accuracy of the balance or the manner in which the account is being reported. As a result, inaccurate or incomplete information continues to appear on my credit reports, causing ongoing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MIDFIRST BANK
State: AL

Complaint narrative:
MIDLAND is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND 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 has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief