vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, a XXXX transfer in the amount of {$1200.00} was sent from my account to an impersonator who pretended to be a ChaseFraud XXXX. This transaction was a result of fraud. I was induced to make this transfer based on false representations made by an individual who claimed to be a Chase XXXX XXXX, saying that someone was using an alias of XXXX XXXX was trying to hack into my Chaseaccount, and that transferring the money with the note XXXX for plane tickets to that alias would alert Chase to block the recipient. I believed it because the individual stated my full name and my email address, and I didnt see any funds deducted when I transferred the money until a few minutes after. The transfer was not authorized in any meaningful way, as it was procured through deception. I notified Chase of this fraud on XX/XX/year>. However, my claim was denied in XXXX day, without anyone reaching out to me for any additional proof of this matter. Chase is claiming that this is authorized, but I have screenshots of the scammer messaging me pretending to be a Chase XXXX XXXX, and this transfer was made under deception

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
this is a write off and it is affecting my credit- i want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One responded to my complaint but did not address the return of my remaining balance of {$1000.00}. I understand that their investigation has been completed, as the funds from the incorrect transfer I made were already returned. However, I have still not received my money. I do not understand why the return of my funds has not been processed or why this issue was not addressed in their response. I am requesting the immediate release of my {$1000.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this complaint regarding a promotional bonus offer from Chase that has not been honored despite my full compliance with all required conditions. Chase advertised a promotion offering a {$400.00} bonus for opening a checking account and completing specific qualifying activities, including direct deposits within a defined timeframe. I opened the account in reliance on this promotion and completed all required conditions, including the qualifying deposits, within the specified period. Despite meeting all the terms of the offer, I have not received the promised {$400.00} bonus. There has been no clear explanation provided as to why the bonus has not been issued. I relied on this promotional offer when choosing to open the account, and I fulfilled my obligations in good faith. This situation raises concerns about misleading promotional practices and failure to honor advertised incentives

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am filing a complaint regarding the closure of my Bank of America checking account after more than 12 years as a customer. On or around XX/XX/year>, a wire transfer was deposited into my account that I was not expecting. Upon noticing this, I acted responsibly and contacted the bank to report that I did not recognize or anticipate this wire and requested that the funds be returned to the sender. On XX/XX/XXXX I received a call from a XXXX XXXX asking about this wire and i responded for funds to be returned to sender as i was not expecting any wires and she confirmed funds were in the account since XX/XX/XXXX and the call was made in XX/XX/XXXX so if fraud was the reason why they closed my account how funds were still there after more than a week of funds been transferred. Despite taking what I believe were the appropriate and honest steps to address a potentially incorrect or unauthorized transaction, my account was subsequently closed without clear explanation or prior notice. I am concerned that my attempt to properly report and resolve an unexpected wire transfer may have been misinterpreted. I acted in good faith and in a manner consistent with protecting both myself and the bank. I am requesting the following : XXXX. A clear explanation for the closure of my accounts XXXX. Confirmation of whether this incident resulted in any negative reporting to XXXX or other consumer reporting agencies XXXX. Assurance that I am not being penalized for reporting a transaction I did not recognize XXXX. Confirmation that all remaining funds have been returned to me Given my long-standing relationship with the bank and my proactive actions in reporting this issue, I believe this situation warrants a thorough review and fair resolution. Thank you for your time and attention.

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 monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
Planet Home Lending has repeatedly misapplied, moved, or reallocated payments on my VA mortgage account without my authorization and without any valid explanation. This has happened multiple times over several months. Each time the company touches or adjusts previously applied payments, their system suddenly shows me as being several months delinquent, even though I have made every payment on time. After I contact them, they eventually correct the account and restore the payments to the proper months. However, the issue keeps happening again, creating a recurring pattern of servicing errors. I previously submitted a RESPA Notice of Error when Planet Home Lending first acquired my loan from the prior servicer. They corrected the account at that time, which confirms they received my request. Despite this, the same problem continues to occur. Their repeated adjustments have caused my account to show false delinquency multiple times. As of the most recent incident, their system shows me late all the way back to XXXX, even though I have paid every month. This false delinquency is now preventing me from making my upcoming May payment because the online system is misrepresenting my account status. I have screenshots, statements, and payment confirmations showing that my payments were made on time and that Planet Home Lending moved or reapplied the funds without my consent. These repeated errors have created confusion, stress, and the risk of inaccurate credit reporting or wrongful delinquency. I am requesting that the CFPB require Planet Home Lending to : Correct my account immediately Provide a full and accurate payment history Provide a written explanation for every adjustment they have made Confirm that no negative credit reporting has occurred Explain why this issue continues to recur even after a prior RESPA Notice of Error This appears to be a systemic servicing problem, not a onetime mistake, and I am requesting federal oversight to ensure the issue is permanently resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Subject : Formal Complaint Regarding Denied ATM Deposit Dispute I am submitting this complaint regarding an unresolved ATM deposit dispute with Citibank. On or about [ XXXX ], I made a cash deposit at a Citibank ATM located at [ XXXXXXXX XXXX XXXX XXXX. The total amount of cash I deposited was approximately $ [ XXXX ]. However, the full amount was not credited to my account. I promptly reported the issue to Citibank and opened a dispute on [ XXXX ]. I was later informed that the banks investigation found no error with the ATM, and my claim was denied. As a result, I have not received the missing funds. I do not agree with the outcome of this investigation. I physically deposited the cash, and the funds were not properly credited to my account. I am requesting that Citibank provide the following : - All documentation used in their investigation, including ATM balancing records, audit logs, and any related evidence - A detailed explanation of how they determined that no error occurred - A reinvestigation of my claim I believe this matter has not been properly resolved and request that Citibank be required to conduct a thorough and fair review. I am seeking the return of my missing funds in the amount of $ [ XXXX ], along with any applicable fees or damages resulting from this issue. Thank you for your attention to this matter. Sincerely, [ XXXX 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 2026-04-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I received a call from " USAA '' and long story short ; I was scammed. Once I realized that I was scammed. I immediately called USAA and changed my account passwords, etc. I was on hold for a someone for 20 minutes. I explained what happened to the lady on the phone and she informed that an investigation would happen. I was never asked for any other information. I was never contacted again. I received new cards, but I did not activate them right away. I was completely locked out of my account, even online. I had to call to get any information. When I called prior to activating my debit card and credit card, I was told that everything looked good to go and I would be okay to continue as usual. I started using my account checking account. Added my account back to my direct deposit with my work. On XX/XX/XXXX, it was decided that I would be financially responsible for the scam. The money was taken out of my account on XXXX and now I am in overdraft of almost XXXX dollars. When I called to ask why, I was given no reason except that it was determined that it was not fraudulent. I reopened the case because the bank is FDIC insured and I should be covered. I want everyone to learn from this. I have been a USAA member for 21 years and this is how I am being treated after being scammed.

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 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
We are filing a complaint regarding a solar loan financed through GoodLeap for approximately {$71000.00}. We were misled by the solar sales representative and contractor into entering this agreement. The salesperson made multiple representations that were not accurate, including : That we would receive a large tax credit that would significantly offset the cost of the system That the solar system would pay for itself That our electric bills would be drastically reduced or eliminated These claims were presented as realistic and expected outcomes, not as estimates or possibilities. In reality : The tax credit did not provide the financial benefit as represented The system has not performed in a way that offsets the loan as promised We are now left with a large loan obligation based on misleading and inaccurate information Additionally, the solar company/installer is now out of business, leaving us without support or recourse through the original contractor. This loan was clearly tied to the contractor and their sales process. We believe GoodLeap, as the financing provider, shares responsibility for ensuring that the transaction was not based on deceptive or misleading practices. We are requesting : A full review of this loan and the circumstances under which it was originated Consideration of loan modification, reduction, or other resolution Accountability for the misleading sales practices tied to this financing We entered into this agreement in good faith based on the information provided to us, which has proven to be inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I am filing this new complaint because Comenity Capital Bank submitted the same inaccurate, copypasted response to multiple separate CFPB complaints and failed to address the issues raised in any of them. Their responses contain false statements, omit critical information, and demonstrate systemic noncompliance with Regulation Z. -- - XXXX. Comenity falsely claimed they issued a {$300.00} credit. No such credit exists. Across multiple CFPB complaints, Comenity stated they credited {$300.00} for disputed purchases and associated finance charges. This statement is false. My account shows no {$300.00} credit. The only credits posted were : {$170.00} {$34.00} These total {$210.00}, not {$300.00}. The remaining disputed charges and related interest were not credited. This is a materially inaccurate statement submitted to CFPB. -- - XXXX. Comenity did not address the XXXX dispute at all. None of Comenitys responses mention : the XXXX charges the XXXX dispute any investigation any documentation any dispute results any merchant evidence any credits The XXXX dispute remains uninvestigated and unresolved, despite multiple complaints. -- - XXXX. Comenity ignored the false {$89.00} credit claim. In a prior email, Comenity claimed : policy adjustments totaling {$89.00} were applied to your account. This is false. No such credits exist in any billing cycle. This issue was raised in multiple complaints and never addressed. -- - XXXX. Comenity ignored repeated merchantcontact violations. Comenity instructed me three separate times to contact the merchant first, which is not permitted under Regulation Z. Creditors can not require consumers to contact merchants before filing a dispute. This issue was raised in multiple complaints and never addressed. -- - XXXX. Comenity ignored missing dispute results and documentation. I repeatedly requested : dispute results investigation findings merchant documentation the basis for their decision Comenity has never provided any of these required disclosures. This is a clear violation of Regulation Z. -- - XXXX. Comenity submitted the same template response to multiple complaints. Each complaint raised different issues, yet Comenity submitted the same response to all of them. This indicates : no individualized review no investigation no correction no documentation no response to the issues raised This is a systemic nonresponsiveness problem, not an isolated error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I previously disputed this account with all three credit bureaus ( XXXX XXXX and XXXX ). In each case, the account was either verified or marked as updated ; however, no meaningful changes were made to the reported information. The balance, dates, and account details remain identical across all investigations. The company continues to provide the same limited and generic information, such as a balance and basic account data, without providing proper documentation to validate the debt. I requested full validation, including a signed agreement, full account history, and proof of ownership of the debt. This information was not provided. XXXX reported that the account was updated, including historical data, but no actual changes were reflected. This indicates that the investigation may not have been conducted properly and may have relied on automated processes rather than a reasonable review. Simply repeating the same incomplete information does not meet the standard of proper validation or investigation. The information being reported remains incomplete, inconsistent, and unverifiable. I am requesting that this account be deleted from my credit report or that the company provide full documentation demonstrating my legal obligation and the complete and accurate reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/year> mailed the company via certified mail ( XXXX # XXXX ) letter stating : -Debt id disputed in its totality -XXXX breached their contract -XXXX failed to acknowledge my disputed debt ( XXXX XXXX, XXXX, XXXX XXXX XXXX ) within 30 days and offer a resolution within 90 days as required by FCBA rules. -Stop contacting me, as I, now, am being represented by an attorney and provided my attorneys information.

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 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Request a review and correction of student loan accounts reported on my credit file between XXXX XXXX, 2026, and XX/XX/scrub> 2026.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I was in a plan to pay a given amount XXXX, XXXX XX/XX/year> was agreed upon. as XXXX XXXX original plan mailed and received was XXXX XXXX, BUT was approved in XX/XX/year>. No mail was received to confirmed until late XX/XX/year> ( XXXX ) I called immediately to confirm, the plan was stated payment due IN THE MONTH OF XXXX, XXXX and XXXX. which were made and confirmed. An addiltional payment was made ( 4th payment made as notification of the revised plan was not received ( Nor has that been returned to my account ) as a breach ocured at XXXX XXXX XXXX XXXX XXXX on or about XXXX XXXX. This effected Credit/ Debit cards, Pay Bill System, auto deposits till all are cleared and confirmed ) I made an additional payment on the agreed upon amount In XXXX was issued to insure the agreed was upheld. I can not agree to a plan till I have the documents in my possession was the first error, missing important mailed ( very poor USPS office in XXXX XXXX XXXX XXXX XXXX should be fired ) items probably should have been mailed certified first class mail by XXXX XXXX . Rocket absorbed this loan and modification plan and the issues started. They went to default status without full clarity on the payments made. Mailed information gets to me personally a month later as dated on their documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Block, Inc.
State: FL

Complaint narrative:
On XXXX XX/XX/year> my square account was blocked reulting in a hold of {$430.00} i resolved the issue and on XXXX XX/XX/year> everythinh was in orde for them to refund my money however they requested XXXX busuness days for this to happen and i still haven't my refund i'vw called several times without success

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I followed up with XXXX and confirmed that I no longer owed a debt and that payments were cleared. The company refuses to update credit information to reflect cleared payments. I provided information to Experian showing the debt was paided. They too will not update the account to show no payment is due.

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 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
I am still waiting for my IDR plan to be approved. Because it was mistakenly denied, seeing my last post, I was taken off forbearance and expected to pay {$1500.00} at the end of the month. I called today and asked to be put back on forbearance that I would make smaller payments but don't want to be responsible for the {$1500.00} why we're still waiting for final approval. I was then told that my application was never resubmitted for approval after mistakenly being denied. And that I am responsible for one payment before I can reapply. I went through everything from my last complaint including that I was quoted having loan types that I never took out as the reason for the denial. I asked where it was communicated to me that I would need to make one payment before reapplying. To which the customer support agent told me that it doesn't look like we communicated that at all. That's just what we do. Which I don't think is fair or responsible because one I wouldn't have known that I could reapply. After I called her out on this, she was able to somehow find the communication from the last time I called and she told me she now has it working properly. My major concern is policy was quoted and specifically told that they do not contact their consumers when this policy is being enforced. It is very shady to have people in this position. Also, the last two times I've called about getting things straightened out. I have asked for documents showing that one my application is being reprocessed and two that I'm being put back in and forbearance and they told me that I will not get email confirmation of this. And that's how I ended up in this situation again because they are not following up on communication that these changes were made via calls. They can sneakily go about and try and get people to pay even though they followed the correct process.

Company response to consumer: Untimely response