vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint cause while I was incarcerated in the Florida dept of corrections several chase accounts were opened in my name, I have never had a relationship with Chase ever before or even with XXXX. I contacted the bank and I even filed a complaint with the CFPB and they responded that they accepted my claim of fraud an removed the accounts from my fie. I applied for a chase card after that and I was told that I could not have an account cause there is still a chase account showing charged off on my file. This contradicts what chase responded. I called and was told there were to unsatisfactory accounts that were sold to collection agency. the person I spoke to was in the recovery dept. They located the charged off accounts in there 3 seperate systems. I showed paper work showing I was incarcerated during those years that accounts were opened my social is XXXX dob XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CIG FINANCIAL LLC
State: FL

Complaint narrative:
I financed a XXXX XXXX XXXX  for {$22000.00} from a buy here pay here in XXXX. 
A week after purchasing the vehicle my account was sold to CIG financial. A year later I asked to refinance the vehicle because the monthly payments were {$640.00} a month. My account was sold again to Auto Nation finance. A year later I thought that I was almost done the payments. I requested to refinance again to lower the monthly payments. My account was sold again to XXXX XXXX. I was never provided Refinancing. I ended up losing the vehicle and the last financing company sold the vehicle with in thirty days after three and half years of financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX I deposited XXXX dollars cash at a Wells Fargo ATM in XXXXXXXX XXXX The ATM took my money but it advised me there was an error with the system and my money could not be returned to me.it also told me that my deposit had to be verified before it could be posted and as of XX/XX/XXXX I still have not received a single word about my deposit or resolution. I have called Wells Fargo multiple times only to be told they were still looking into it and they would request my complaint be expedited. I just want my money back or credit my account the XXXX dollars I deposited into their ATM. The ATM in question is at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX.

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 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Credit amount XXXX. Never used. Account closed without properly informing me. Then placed on my credit report, when I dont owe them anything.

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 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have had my PayPal account for years since I was in college around XXXX. I started using my account more for personal and business payments and was purchasing with my PayPal debit card when they shut my account down for good. They told me that they can not reveal the reason as people will try to circumvent it. 

I believe they are being racist as I get a lot of overseas transactions and they judge based off of this that it is high risk. I have done nothing wrong and only used my account in good faith for transferring and using my money and balances. 

My funds were held for over 100 days and I finally received them off hold, but it caused me a lot of stress due to not having access for so long. A lot of my customers prefer PayPal so Ive been struggling business wise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
My Chase checking and savings accounts were closed more than five years ago. I was informed by a Chase branch that after five years the remaining balance would be sent to the state unclaimed property office.

Chase has failed to provide proof that the funds were escheated and is now refusing to release the money unless every individual who ever made a deposit provides identification and verifies their deposits. I operated my own business and do not know or control all depositors from years ago. 

There is no legal basis for conditioning release of my funds on third-party identification after the dormancy period. If Chase failed to escheat the funds as required, that is a compliance issue on their part.

I am requesting that Chase be required to either : Provide proof of escheatment to the state, or Release the funds immediately.

This prolonged withholding has caused financial hardship. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been banking with chase since XXXX. I have experienced hacking of my accounts on multiple occasions. I was financially compromised and these incidents were reported to the Fraud department on behalf of chase bank. Police reports were filed to the local authorities. After experiencing financial abuse for three years straight. I applied for a personal loan and was denied immediately. I never received any documentation as to why I was not approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
Subject : Improper Freezing of Federally Protected Disability Benefits by Morgan Stanley/E * TRADE Timeline of Events : * XX/XX/XXXX : ETRADE ( Morgan Stanley Private Bank ) flagged my account for " unusual activity '' and disabled my account features. This action immediately followed a direct wire transfer from the U.S. Department of the Treasury containing my XXXX XXXX XXXX back-payments. XX/XX/XXXX : E * TRADE un-enrolled me from XXXX services without explanation. 

Current Status : Despite the source of funds being the U.S. Treasurythe most legitimate source possiblemy funds are frozen. When I contacted customer service to resolve this, I was told they are reviewing " thousands of letters '' and could not provide a timeline for release. 

The Violation : Source of Funds : The funds in question are XXXX XXXX  XXXX benefits. I possess the Social Security XXXX XXXX XXXX XXXX ( dated XX/XX/XXXX ) confirming my entitlement and the retroactive payment period from XX/XX/XXXX through XX/XX/XXXX. 

Failure of Due Diligence : The bank 's automated XXXX filters failed to recognize a clear U.S. Treasury deposit . Their refusal to manually override this error upon my contact constitutes a denial of access to essential living funds. 

Negligence : The personnel attempted to excuse this freeze by citing a " backlog '' of other cases. This is unacceptable when the account holder is attempting to access federally protected XXXX income. 

Resolution Requested : I requested the immediate removal of all holds on my account and the restoration of full account functionality. I have uploaded my XXXX XXXX Verification Letter immediately on XX/XX/XXXX, but have been denied access to speak with a compliance officer after several attempt. I refuse to wait in an indefinite queue while my XXXX payments are held XXXX. I was told the document would be reviewed within 24 to 48 hours. This has not happened, and the customer service agent attempted to " argue '' that nowhere did any documents state a review within 24 to 48 hours. No, the prior agent himself said it. It's now well over 48 hours and I'm in critical need of my income monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: AMERICAN EXPRESS COMPANY

Complaint narrative:
Somehow a transaction was made from my account which I was not aware of so immediately within 1 hour I have reported the dispute. 
Post that without even discussing with me they resolved the complaint and charged me back. 
Post that i have raised the dispute twice but no resolution on the same. 
Please help me on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received a notification on cashapp warning that activity on my account could cause it to be closed, which when I clicked on it, It vanished so I went to support, which lead to only a bot responding, which didnt even read the message correctly and wouldnt give me a real person. And today, at XX/XX/XXXX, XXXX, I received a AI email about my account being fully deactivated and I cant access my card anymore either, there is over {$2600.00} stuck in that cashapp now, as I dont have another bank account so this is how I pay my rent, and now I can no longer pay it. Ive tried reaching out to support and all I get it bot responses, then they send me a " real '' person twice with the exact same messages which are also bots and not real, it is against federal law to close an account without proper investigation, and done by a bot no less.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX founder of XXXX XXXX XXXX XXXX, it all started from the First Citizen Bank mishandling of my loan application, then tried to cover things up, and after I explained they violated by running my credit report that set me an my company back, after pulling there credit back made my company weak, and then later shut XXXX XXXX XXXX XXXX account down stopping my business, I understand they reserve the right to deal with who they want, but my account was XXXX  months old in operation, they clear stop my business by immediately shutting my business account down, if they didn't want my business it should've been handled before the account was open but stopping my business from moving forward slaughter my business and make my company weak with this immediately business shut down hurt my band and stop my business from at least a chance to move to another account, this can't be heard of, they stop my business flat out cold with no legitimate reasons other than they reserve the right, but they do not reserve the right to stop my business in the way, there are laws set in place to not allow things like this, you can not stop my business, and the fact they did violate my rights I would this investigated, this bank if out of order and discrimination against me and my company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
Chime company on XX/XX/XXXX my phone was stolen ( police report provided ) the money ( XXXX $ total in XXXX transactions back to back ) was sent to the account of a stranger from my chime application on the stolen phone and chime refuses to refund any of the amount. I spoke with them the next day to report this and changed and secured the account with a chime representation and put in the alert and request for reimbursement. 14 days and they denied I appealed and two days later they denied again never emailing the reasons for denial as they said they would to my email. They will not reimbursement the money stolen from the thief during the unauthorized two transactions they performed from the stolen phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: GA

Complaint narrative:
I had gone through the process of verifying my identity to open an account on XXXX  XXXX, and had just added my bank information when I was notified that my account was frozen. I contacted support, went through additional verification and was told my ticket would be escalated. This was on XXXX XXXX. Subsequent messages to clarify the reason my account was frozen or to see if there were steps to unfreeze the account were not answered. I cant unlink my banking information or close the account because the account is frozen. Apparently the expected course of action is to take the ticket number to XXXX and hope a moderator sees it and escalates it for resolution. I got lucky, no money has been lost. But most people arent as lucky. Im not sure how this company continues to operate as an alleged regulated exchange given how common this problem is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
My XXXX XXXX was lost or stolen. I reported this to XXXX. 

Unfortunately, the person ( s ) who stole my card used it without permission and made a fradulent charge with it. 

Thereafter, XXXX demanded payment from me for the charge made. 
I dipsuted the validity of the charge and asked XXXX to provide the ID information obtained when my card was used. XXXX failed to respond to my request for validity. 
They then assigned the fradulent charge to Southwest Credit XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I notified southwest credit that the charge was fradulent and requested they provide proof of the charge ( validity ) including the ID used to when my card used by the fraudster ( s ). However, they too ignored my requests and proceeded to report a collection charge on my credit report. 

I am not being victimized TWICE. once by the fraudster who stole my XXXX card and now by the collection co trying to collect a fradulent debt from me and damaging my excellent credit rating illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica
State: MO

Complaint narrative:
I did not receive my va compensation payment for {$3900.00} on XXXX. And its not showing up on my account when I look it up. Just shows XXXX and XXXX on account hiding XXXX. I would call it says it was deposited but wasn't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
To Whom It May Concern, I am submitting this correspondence in connection with a CFPB complaint regarding XXXX XXXX XXXX  continued reporting of charged-off accounts on my consumer credit report that are inaccurate, unverifiable, and legally defective under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

XXXX XXXX is reporting these accounts as charged-off with ongoing monthly delinquency statuses without having provided : A copy of the original signed agreement A complete itemized payment history Documentation supporting the reported balances Certification of accuracy as required under 1681e ( b ) Additionally, the accounts reflect continuous derogatory reporting well beyond the original delinquency period, raising serious concerns regarding improper re-aging in violation of 1681c ( a ) ( 4 ). 

If XXXX XXXX can not produce competent evidence substantiating every element of these tradelines, continued reporting constitutes willful noncompliance. 

Requested Resolution : Permanent deletion of the charged-off tradelines Written confirmation of removal This complaint is being submitted to the Consumer Financial Protection Bureau for regulatory review . 

Sincerely, XXXX XXXX To Whom It May Concern, I am filing a formal CFPB complaint concerning XXXX XXXX XXXX XXXX reporting of a charged-off credit card account that appears to be illegally re-aged and inaccurately reported. 

The account reflects continuous monthly charge-off statuses years after default without clear disclosure or correction of the Date of First Delinquency ( DOFD ). This violates 15 U.S.C. 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 5 ). 

No documentation has been provided establishing : The original DOFD Lawful basis for continued reporting Verification of the balance Absent immediate correction or deletion, this reporting causes ongoing consumer harm. 

Requested Resolution : Immediate deletion of the charged-off account Written confirmation of compliance Respectfully, XXXX XXXX To Whom It May Concern, This correspondence supports a CFPB complaint regarding LVNV Funding / Resurgent Capital Services reporting a collection account without lawful validation as required by the FDCPA and Regulation F ( 12 CFR 1006 ). 

I have not received : A copy of the original creditor agreement Proof of assignment or chain of title Itemization of the alleged balance Proof of state licensure and bonding Reporting an unvalidated collection violates 15 U.S.C. 1692g and 15 U.S.C. 1681s-2 ( b ). 

Requested Resolution : Immediate deletion of the collection tradeline Written confirmation that reporting has ceased This matter is now under CFPB review. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XXXX XXXX XXXX XXXX, I received a Lowe 's 10 % off purchase for use with MyLowes Rewards Credit Card. As a customer who uses Lowes frequently, I get these often, but prior to this date, they came with the option to print them out with the bar code, so they could be presented at the store in paper format.

Since I do not have a Smart Phone, as many people my age ( XXXX ) do not, this offer denied me the use of such coupon since it could ONLY BE USED WITH AN XXXX SMART PHONE!!!! 
THIS PRACTICE CLEARLY NOT ONLY DISCRIMINATES AGAINST THOSE WHO DO NOT HAVE XXXX SMART PHONES, BUT, ALSO THOSE OF US WHO HAVE THE MyLowes Rewards Credit Card as customers who have been given the offer, but are simply denied it because we do not have an XXXX  Smart Phone. 
I believe this is an UNFAIR BUSINESS PRACTICE BETWEEN SYNCHRONY BANK, LOWES, AND XXXX TO DENY MyLowes Rewards Credit Card Holders these offers due to this SMART PHONE REQUIREMENT AND CLEARLY DISCRIMINATES AGAINST 2 CLASSES : 1. NONXXXX  SMART PHONE HOLDERS, 2. ANY AND ALL INDIVIDUALS WHO DO NOT HAVE SMART PHONES

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 2026-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Sunbit, Inc.
State: GA

Complaint narrative:
I mentioned to one of the associates that was XXXX so from that moment for they restricted my card and nobody would give me a straight answer theyre required verification. I sent all the documents they were approved and from that forward thats been almost a month ago. they said itd be 10 days and its still restricted and I think they mightve actually closed my account now because of them discriminating against my XXXX  my XXXX orientation, which is not right no way to do business and its very sad that this company is being able to get away with this and they would not give me anybody higher up that I could talk to or speak to about the situation, they just kept on ignoring me and you know telling me oh theyre working out theyre working on it. They werent working on anything other than try to close my account because of my orient orientation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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