vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
While employed at XXXX I applied and received an Apple Card through Goldman Sachs. I never had a late or missed payment. Prior to the end of my employment I made sure to pay off my entire balance since the Card was associated with my company phone, knowing that the Card itself was associated with the phone and I would have no way to pay. After no longer being employed at XXXX and having no way to access my phone I was contacted by Goldman Sachs informing me I had missed several months. I was informed that the delinquent amount was {$1.00}. I immediately paid it and was then able to close the account. I reached today to ask if there was anything that could be down to have that removed from my credit score for both XXXX and XXXX, I paid early and on time for the entirety of my card and feel that it was unfair to show delinquencies when I had no access to and was not informed of a balance on my account. Especially over {$1.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402. The attorney general or a district or county attorney may investigate an alleged violation of Chapter 392. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. Chapter 392, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code 392.402.404. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of Chapter 392. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated Chapter 392 by engaging in a false, misleading, or deceptive act or practice. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I accepted a formal settlement with American Express on XX/XX/year> at XXXX meeting their exact deadline. I agreed to pay {$5200.00} as full settlement of the Balance Owed on my American Express account. My first payment is not due until XX/XX/year>. Today is XX/XX/year>. XXXX XXXXXXXX XXXX contacted me by email on XX/XX/year>, claiming that an outstanding balance of {$7400.00} was due in full and payable immediately. This demand ignores the active settlement contract and attempts to collect {$2200.00} more than what is legally owed, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year>, at XXXX XXXX, I contacted American Express by phone to resolve this system routing error in good faith. The phone representatives refused to honor the contract or fix the issue, and instead directed me to contact XXXX XXXX XXXX to try and recreate the same agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
Today, XX/XX/2026, I attempted to add funds to my XXXX account for a total of {$1600.00}. I already had about XXXX. I was first informed that the amount was too high so I split it into smaller transactions. This was for my rent and the money was coming directly from my bank account which has the same name and information attached as this XXXX account. I had one transaction left from my sister to cover the rest of my rent- {$71.00} - and it was stopped. My account was frozen. I could no longer transfer these funds, take them out, add to it - fully frozen. For attempting to add money. I contacted support which told me it would need to be escalated to a specialist although I can not speak to them. Customer support doesnt have a direct line to the specialist team. So this would get escalated. I spoke to at least 3 customer service agents including a supervisor who all told me it would take up to 5 business days for this to be addressed. In which case Im sure theyll request more of my information and then will have to verify everything. I have multiple emails with XXXX about this. This is putting my shelter and livelihood at risk and I have received only dead ends. Ive also seen other people have experienced this and never gotten access to their money back. So personally I believe this to be near theft. My money is held hostage and its up to them what theyll do with it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: WY

Complaint narrative:
Barclays Bank. I have never used the card for an XXXX purchase that was charged and never made. It was a " chargeback '' so they say. I have never used the card for XXXX in the past or never in the future of that charge. I was then charged an annual fee, I called as soon as it was charged to close the account and dispute that charge as well, they said they could not credit it. I asked to close the account, not sure if they did it or not. I have an XXXX credit score and these people are out of control.

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I received a notice in the mail stating wells Fargo was closing 3 accounts that were in my name bc they suspected fraud. I have never opened a wells Fargo account. The state I live in doesn't even have a wells Fargo branch. I XXXX XXXX XXXX about 3 years ago and bc of their lack of protection of drivers information it has caused major issues. I never expected a bank to be guliable enough to allow even one fake account to be opened but they allowed 3.

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
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
My home that I resided in for XXXX years suffered a devastating fire on XXXX/25. We are still currently displaced and I am attempting to get the repairs completed so that my family can return to our home. I currently owe {$78000.00} on my home which was valued at nearly XXXX XXXX XXXX prior to the fire. I had an initial inspection of the property which proved that 25 % of the repairs have been completed to date, allowing the company to hold 75 %, which equals {$58000.00} to date. However, the company is currently holding {$99000.00} of my money and refusing to release the overage ( {$40000.00} ) because it's " their policy '' to only release an overage once. They are holding up the repairs to my home and not paying me interest on these funds which belong to me. I am prepared to sue this company for keeping us displaced from our home for even longer than necessary, as well as for the amount in interest that we should have been receiving for the excess funds they have held. How they can charge me interest on my mortgage while holding more funds than I even owe is beyond me! I would imagine many consumers such as myself have suffered due to this policy. I have contacted them numerous times to try to resolve this issue. I have also requested to get their decision and policy in writing so that I could share this information in a complaint, and they refused. I received NOTHING telling me this was their decision over the last XXXX months since I submitted an additional insurance check to them. I will add - I am expecting another large check to complete repairs on my home for hundreds of thousands of dollars, and I certainly don't want to submit it to them and have them tell me they can't release these funds to me until further repairs are done because, obviously, I need these funds to repair my home in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX my computer was hacked from a remote user. The user took control over my computer and attempted several online transactions. This included several charges on my credit cards, ACH transfer from my bank ( XXXX XXXX ), withdrawal request from my XXXX account and a PayPal transaction for {$4700.00} to XXXX. My PayPal account is connected to my XXXX XXXX checking account. XXXX XXXX recognized the transaction as fraud and declined payment. PayPal, however, went ahead and honored the transaction. This was not done by me or authorized by me. It was 100 % fraud, and I have no idea why PayPal paid the amount. Now they say I owe them the {$4700.00}, which I refuse to pay. I have tried to resolve this through PayPal, and even though they say for me not to worry that it will be resolved, nothing has been done. Initially they wanted me to file a complaint saying I never received the product. Which I was uncomfortable with since I never ordered the product! It's almost 3 months now and nothing has been done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ascension Point Recovery Services, LLC
State: AL

Complaint narrative:
I received a letter dated XX/XX/XXXX on XXXX from Ascension Point Recovery Services , LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MN XXXX. The letter was addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX The writer was seeking information on the XXXX of my XXXX XXXX XXXX XXXX XXXX. XXXX died on XX/XX/XXXX. There is no XXXX XXXX XXXX XXXX appointed by any court of authority. It seeks information on who is authorized to act on behalf of XXXXXXXX XXXX XXXXXXXX, but refused to disclosed any further information. It appears to be seeking information in order to attempt to collect a debt however that letter did not disclose that it was an attempt to collect a debt. I believe this is an attempt to steal personal information of the deceased and her representative. They advise that they can be contacted at www.ascensionpoint.com/portal which is a system created to obtain personal information from any person or entity who goes to that website or email address. Please investigate why this company is reaching out to families of deceased persons seeking information and directing you to go to an address on the internet in order to allow them to collect further information. If you can not or will not investigate this matter please direct me to the proper authority I may contact that will do so. I will be happy to provide you with a copy of the letter by mail since I can not do so when filing a complaint online. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Deceased

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a check from range resources XXXX days ago. They said it would be held for XXXX days. After XXXX day they said the check was counterfeit. I sent them proof that it was not. Theyre have never contacted the issuer or the issuing bank. I sent an email with proof that it had been reconciled. They still will not release the funds. They are refusing to talk to the issuer of the check or the issuing bank.

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
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I closed on my home sale on XX/XX/year>2026 for Rocket Mortgage loan number XXXX. I confirmed my new home address of XXXX XXXX XXXX apt XXXX XXXX Texas XXXX was correct on the website for my account. XX/XX/XXXX I contracted Rocket Mortgage service line and notified them of an error that the reimbursement checks had not be issued or received at my home address. I requested at that time that the checks be issued ( or reissued if necessary ). Rocket Mortgage has provided me no evidence they even issued refund checks on the account. Rocket Mortgage representatives stated there were XXXX checks issued XX/XX/XXXX or XXXX and verified XXXX checks were due to me with moneys Rocket Mortgage owes me. There was no follow on email from Rocket Mortgage to resolve the reported error. I was told at that time by the rocket mortgage representative that a check would be issued. I was told by a Rocket representative on XX/XX/XXXX that this was not true and no such action was taken. I texted with Rocket Mortgage representative again on XX/XX/XXXX and identified the error that the checks had not been issued for my escrow refund and a {$90.00} overpayment made on XX/XX/XXXX. I have picture proof of the XXXX messes with Rocket Mortgage where I asked for the error to be corrected and the moneys provided to me. I even asked the representative if there was a way for me to provide information for a direct deposit. THe representative gave me an email XXXX. I sent an email to this contact and i received no response. Again Rocket Mortgage failed to respond with a letter or email concerning my concerns over the error in failing to sending the checks. XX/XX/XXXX I called the Rocket Mortgage service line and spoke with " XXXX '' who stated she could not see any actions were taken on my previous calls concerning Rocket Mortgage 's error and I again asked that the checks be issued. She documented the issue and said I would received an email within XXXX hours. It is XX/XX/XXXX and no contact from Rocket Mortgage concerning this issue has been received. I have informed delivery and I have been monitoring my address since XX/XX/XXXX and neither check has been received. Rocket Mortgage has not been proactive in assisting with a resolution of this error and has in fact provided misinformation and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: WA

Complaint narrative:
I am disputing KeyBank 's denial of my {$500.00} checking account promotion. I completed the required direct deposits before the 90-day deadline, but KeyBank refused the bonus solely because the final transaction posted one day late due to KeyBank backend processing. I have exhausted internal escalations and filed a XXXX XXXX XXXX ( XXXX ) complaint, but KeyBank continues to unfairly penalize me for standard ACH clearinghouse delays.I am filing this complaint because KeyBanks denial relies on internal ledger posting delays rather than the date the funds were actually executed and initiated by the consumer. KeyBank 's sole justification for the denial is their claim that the final required direct deposit was made on XX/XX/year>, which fell one day outside of the 90-day promotional window. KeyBank states that the 90-day deadline to reach the threshold was XX/XX/year> ( Please see attachment XXXXXXXXXXXX for XXXX response from KeyBank ) . However, the final qualifying direct deposit required to cross the threshold was fully initiated and sent to KeyBank prior to this deadline ( Please see attachment Deposit Date.png for date ). KeyBanks marketing materials state that deposits must be " made '' within 90 days. As a consumer, I fulfilled my obligation by ensuring the transfer was executed before the cutoff. I have absolutely no control over ACH processing cycles, clearinghouse schedules, or KeyBanks internal backend posting delays. Penalizing a consumer because an initiated transaction posted one day later on XX/XX/year>, is an unfair business practice. If this matter is not resolved through the CFPB portal, I am prepared to escalate this dispute further to protect my rights, including filing a formal complaint with the Washington State Attorney General 's Office and pursuing a claim in local small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
I opened a merchant account with Square at the beginning of XXXX for my XXXX XXXX as I am a XXXX XXXX. After a {$500.00} and {$600.00} invoice was paid they restricted my account and made me upload documentation and business details. After I uploaded this information my account was reactivated. In order to avoid this happening again, I decided to call Square support to inform them of any payment before the transaction. After calling I got confirmation they notated in my account that I would have a high volume transaction week and that it would be fine. Today I invoiced a client for {$1900.00} and after they paid, I received an email stating my Square account would be closed with no further details explaining why. This is incredibly inconvenient and an error on Squares behalf. These services are being completed BEFORE payment so it is imperative this get resolved in a timely fashion!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
An ex boyfriend of mine who is deceased now ran up this debt as well as XXXX & some other credit places.

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UPGRADE, INC.
State: OH

Complaint narrative:
I received a debit card in the mail from Upgrade on XX/XX/year>. I called the customer service number on their website on XX/XX/year> to report that I didn't open the account and wanted it closed immediately. I was told the only way to close the account would be to provide my social security number. I was uncomfortable giving them this information. I was told there was nothing more they could do. I have had fraud alerts on my credit report for a long time. I've also had fraud alerts with XXXX. I'm very disappointed that Upgrade would allow this account to be opened even with the fraud alerts. And I'm even more disappointed that they were unable to come up with a way to close my account without providing such sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX Chase Claim On XX/XX/year>, I became the victim of a sophisticated impersonation and social-engineering scam involving fraudulent communications pretending to represent XXXX XXXX. I was manipulated into sending money under false pretenses after receiving fake payment verification and account upgrade emails that appeared legitimate. I immediately contacted Chase Bank and reported the fraud while it was actively occurring. I also contacted XXXX XXXX and local police the same day. I preserved extensive evidence including screenshots, fraudulent emails, communications, transaction records, and audio recordings related to the incident. Although Chase investigated the claim, I believe the matter was improperly categorized as a standard transaction dispute rather than a fraud and impersonation case. This was not a simple purchase dispute or buyers remorse situation. The transaction was induced through deception, impersonation, and fraudulent communications falsely representing themselves as XXXX XXXX support. The scammer used fake XXXX XXXX branding, fraudulent payment verification emails, and deceptive instructions to manipulate me into sending money. I immediately attempted to stop the fraud once I realized what was happening and promptly reported it to both Chase and XXXX XXXX. I repeatedly cooperated with Chase, submitted evidence, and followed up regarding my fraud claim and supporting audio files. Despite my immediate reporting and cooperation, reimbursement was denied. I am requesting : * A renewed executive-level review of my fraud claim * Review of all evidence submitted * Reclassification of this matter as a fraud and impersonation case rather than a standard transaction dispute * Consideration of the social-engineering and impersonation fraud involved * Reconsideration of reimbursement for the fraudulent {$300.00} transaction I immediately contacted Chase Bank and reported the fraud within 24 hours while the incident was actively unfolding. I also contacted XXXX XXXX and local police the same day. I preserved extensive evidence including screenshots, fraudulent emails, communications, transaction records, and audio recordings related to the incident. I have audio transcript of phone calls, a photo of the man, who posed as a woman, a police report, many screen shots. If there is anything that you need just ask. I may have files that you may need that I inadvertently didn't send.

Company response to consumer: Closed with explanation