vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received an initial email from Chase that I qualified for XXXX percent interest on purchases and balance transfers. I was not interested at the time because I was planning on paying off my existing card balance. I received another email on XX/XX/year> from Chase explaining the previous offer was sent to existing customers in error, but they would honor the offer as a courtesy for purchases and balance transfers completed between XX/XX/XXXX and XX/XX/year>. I relied upon the offer and made extensive purchases within the specified time frame. Upon preparing for my next monthly payment, I searched the web portal for the XXXX percent financing offer but it was not displayed in my account. I contacted the secure help messaging on the portal and they replied a few days later that I must call the number on my card. I did so and the support person argued that the offer only applied to balance transfers, which is a false statement. I called again and spoke to a different support person and they made the same argument. I then asked to speak to his manager. The manager was able to retrieve the email and agreed that the offer applied to purchases as well as transfers. I asked about the length of the offer ran to and he said it would be on the original email. I told him I deleted the original email and the new email did not have that information. He then began to imply that the second email was not an offer and I was bound by terms of the first email, which I deleted. That is an untrue statement. The second email clearly stated that the original offer would be honored for new purchases between XX/XX/XXXX and XX/XX/year> and there was nothing I needed to do. I relied upon the statements and made purchases in reliance on those statements. The XXXX then attempted to argue the finer points of contract law with me before I cut him short and asked if he intended to honor the terms of the agreement or not. He said I would hear back from Chase at some later date. In the meantime, I have an upcoming payment to make and have no information as to what rate I XXXX be subjected to, and what payback options I need to consider.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because there are late payment remarks on my credit report that are completely inaccurate. These entries do not reflect my true payment history, and I will not accept false reporting that damages my credit profile.

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 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: KY

Complaint narrative:
I began receiving frequent calls and messages from Explore Credit regarding an account. The contact attempts have occurred multiple times per day, often backtoback, and have continued even after I asked the company to limit communication and provide clear information about the debt and the amount owed. I attempted to resolve the matter by requesting verification and clarification, but I either received incomplete information or no meaningful response. Because the repeated contact has continued without proper validation or a clear explanation of the account, I am submitting this complaint so the matter can be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: MI

Complaint narrative:
I am filing a complaint against Spotloan regarding a high-interest installment loan issued to me as a Michigan resident XXXX I received a {$300.00} loan with a repayment structure totaling over {$1100.00}. This results in an extremely high effective interest rate, which I believe to be predatory and potentially in violation of consumer protection standards. The lender claims tribal affiliation and appears to be operating outside of Michigans lending laws. However, they are extending credit to Michigan residents at rates that would otherwise be illegal under state law. I am requesting : - Verification that this lender is legally authorized to operate in Michigan - A breakdown of how the repayment amount was calculated - Removal or reduction of excessive interest charges - A fair and lawful resolution of the remaining balance This loan structure is financially harmful and appears designed to trap borrowers in long-term repayment cycles far exceeding the original loan amount. I am requesting regulatory review and assistance in resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been receiving online statements from Synchrony Bank or Care Credit to pay off the entire balance. My balance is currently XXXX XXXX and it says to make this entire payment. This is misleading and creating unnecessary anxiety. I have made my payments on time and continue to do so however am feeling harassed by their advertisements or online statements. I have emailed them and they ignore me and continue to send the same emails. This is why I am writing complaint.

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 2026-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
My name is XXXX XXXX. I dont owe any money on any credit cards whatsoever. I have an XXXX XXXX XXXX with XXXX XXXX XXXX XXXX and I follow them daily and all of my SYNCHRONY accounts were closed and I was told it was from high risk the Care Credit account I dont think Ive ever used the Lowes XXXX I mightve used about once a year I needed a shelf and my XXXX XXXX card. I probably used once a month for gas or groceries and would turn around and pay it off probably within a week I didnt owe any money on any of my cards. I even had a XXXX XXXX account that was closed and I didnt owe anything on that card either. I was told all of these accounts were closed by SYNCHRONY on XXXX XXXX with no other explanation other than high risk which makes XXXX sense because Ive made no big purchases. I didnt owe anything on any of my cards some of them I never used some I used maybe once a year like Lowes XXXX I needed something at the hardware store and XXXX XXXX XXXX I might use once a month but again I would turn around and pay it within a probably a week I didnt I dont like interest in so I dont pay interest, but I will get my 5 % back at the pump or whatever it might be. I have called XXXX XXXX and I have called XXXX and I have called XXXX XXXX and talked to the SYNCHRONY department and was told to wait for a letter and that it was closed for high risk and they wont explain to me why and it makes no sense whatsoever because I Ive used my cards responsibly. I dont have any amount owed on any of my cards and I have a high credit score with all three credit bureaus and I dont even owe anything on any other credit cards so again I asked for a dispute I was sold with XXXX XXXX XXXX they would look at it and it would take 30 days, but I am reporting it now because theres something fraudulent happening against my will and I buy at age nearly XXXX have to turn around in XXXX months and try to reopen a credit card or two its gon na hurt my credit score because its gon na make it look like Im trying to open new credit cards. Its gon na hurt my credit age and then its damaging me and its not fair.

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 2026-04-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received several gift cards issued from A Gift For You. They have the XXXX symbol on them. Im of the belief that they were sold at XXXX XXXX stores. The back of the card says This card is issued by US Bank National Association. The website to check balance, www.prepaidgiftbalance.com no longer works, and the XXXX number hangs up on you after asking you to enter the XXXX digit card number. I can not check balance on them. And without knowing the balance, I can not use them. XXXX cards should have the full {$500.00} balance on them. XXXX likely has less than {$100.00}. The cards state on them that they are valid through XX/XX/year>.

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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Validation of Debt Request - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within th e next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have not done any business with this company. I am not aware of who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
I am filing a formal complaint against Weltman , Weinberg & Reis Co., LPA ( WWR ) for willful deception and bad-faith reporting to the CFPB. FACTUAL EVIDENCE : XXXX. WWR attorney XXXX XXXX has appeared in multiple Zoom hearings for Case XXXX, where I appeared XXXX XXXX. WWR has actual knowledge that I am self-represented. XXXX. I am attaching the Court Order ( Form XXXX XXXX ) and Judgment Civil, which officially list " NONE '' for the Defendant 's attorney. Despite this, WWR reported to the CFPB that they provided debt validation to a " representative. '' LEGAL VIOLATIONS : WWR is using a " ghost representative '' as a deceptive tactic to withhold mandatory debt validation from me, the actual consumer, violating 15 U.S.C. 1692e ( 10 ) and 1692g. I demand that WWR provide a full itemized accounting of the {$18000.00} balance directly to my home address and cease all collection efforts until they comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: PNC Bank N.A.
State: RI

Complaint narrative:
I am the cosigner for private student loans taken out with PNC ( serviced by XXXX ). XXXX was sued by the MA Attorney General and closed down because of predatory lending practices and misleading students. My daughter submitted a Borrower 's Defense to XXXX XXXX for the federal loans in 2018. That was held up in a lawsuit and was finally processed 5 years later. I have written to and spoken with reps from PNC, XXXX, and XXXX, and asked for the same type of forgiveness to no avail. This is a right per the XXXX. XXXX XXXX took over as a debt collector for PNC. The MA Atty Gen furnished us with a School Misconduct Discharge Application, which is supposed to aid in getting these loans discharged. I have submitted a formal complaint to PNC several times and am furnishing my latest correspondence. They refuse to honor the XXXX regarding school misconduct. Your assistance is appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
I used to be in XXXX XXXX bankruptcy. I am no longer in bankruptcy ; I was XXXX from bankruptcy on XX/XX/2025. However, my mortgage lender, Fay Servicing, refuses to believe I am no longer in bankruptcy. They refuse to talk to me, and will only talk to my former bankruptcy lawyer, who is no longer my lawyer ( because the bankruptcy is over ) and under no obligation to pass messages to me. They've been threatening foreclosure over a missed loan payment, but I can't talk to them about it because they will only talk to my " lawyer ''. They've been informed multiple times, including through their own lawyer, that I am no longer in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: CA

Complaint narrative:
Issue Summary ( Short Field ) : JPMorgan Chase froze my checking account ending in XXXX without notifying me and refused to give me a reason for the freeze. I requested the account be closed on XX/XX/XXXX and was told I would receive a check in the mail for the {$32000.00} in XXXX days. I later was told that account wasn't closed until XX/XX/XXXX but Chase is withholding over {$32000.00} of my funds from that account with no timeline for release, and the bankers who helped me close this account are no longer returning my calls. Full Complaint ( Long Field ) : JPMorgan Chase froze my checking and other savings accounts without providing any written explanation or notice. I only received text messages after the fact. When I contacted Chase, representatives told me they do not have to tell me a reason for the freeze and refused to explain the reason. I visited my local branch and met with a banker who told me the accounts would be unfrozen and all my funds from all my accounts would be returned within XXXX days. This did not happen. Instead, Chase released only XXXX small accounts sums of approximately {$85.00} and {$58.00} from XXXX of those frozen accounts and continued to hold my funds from my main checking account ( approximately {$32000.00} ) and my other savings account sum of approximately {$18000.00}, even though this latter account once not frozen. After calls to my banker, I found out this unfrozen account and the checking account were finally closed on XX/XX/XXXX and I was told I would receive checks in the mail for the {$18000.00} and {$32000.00} sums in those accounts. Instead, I only received a check for the {$18000.00} approximate sum in the unfrozen account and never received the {$32000.00} plus funds from the frozen checking account. When I tried to call my bankers at my local branch about this, they stopped returning my calls. Chase still refuses to release my money or provide a timeline for return of my approximate {$32000.00}. I have repeatedly asked for an explanation, and Chase has refused to provide XXXX. To my knowledge no government agency has placed a hold on my funds, and Chase refuses to answer or explain this withholding of my {$32000.00} from the closed account. Chases refusal to communicate, provide written notice, or return my funds even after the account ending in XXXX was closed, has caused significant financial hardship. I am requesting the CFPBs assistance to obtain : XXXX. A written explanation for the freeze and refusal to return the remaining {$32000.00} funds still held. 2. A clear timeline for when my funds will be released. 3. Immediate return of all funds from closed account ending in XXXX. XXXX. Confirmation whether any government agency has placed a hold on my accounts Chase has not provided any transparency, justification, or path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo I am requesting an immediate review and refund of {$1200.00} in overdraft fees charged to my account over the past 12 months. I am currently receiving unemployment benefits, and these overdraft fees have repeatedly consumed my XXXX deposits, leaving me without funds for basic living expenses. This has created a severe financial hardship. While I understand my responsibility to manage my account, the frequency and total amount of these feesparticularly given my financial situationare excessive and have made it difficult to recover financially. I am requesting that Wells Fargo refund these overdraft fees in full, or at minimum provide a substantial credit as a hardship adjustment. If this matter is not resolved, I will escalate my complaint to the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency. I appreciate your prompt attention to this matter.

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 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, i accidentatlly send {$5.00} to a wrong person via Venmo app. I called the customer service same day around XXXX to XXXX. I provided all required information on the app. The agent stated that she can not dispute the transaction because it doesn't fall within their internal policy ( the user ID of the mistaken venmo account has to be similar to inetended reciever ). I told her that nowhere in venmo app or FAQ it states that " Incase of misteken tranfer, only ids with simiralities can be disputed ''. She further stated that thats the policy. So, i asked her a copy of the policy and i was told, she can not give it to me because thats internal. In FAQ of Venmo App, it states to follow step by step process for dispute incase of sending money to stranger by mistake. Which ultimately requires user to call the customer service to file dispute. which is what i did. The app doies n't say anywhere that, to file a dispute un-intended user name has to be similar to intended reciever. I feel like, their advertisement and or information to customer provided online doesn't match with actual practice. Also, there is little to no protection for customer using their service. Regards XXXX XXXX

Company response to consumer: Closed with explanation