vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX CFPB,\n\nMy name is XXXX XXXX I have lived in Mexico and used Santander Bank issued in the United States for 20 years. I operate a non-profit and employ local people. Every year for 6 months I use thousands of dollars to pay my people. Santander usually has problems with their ATM but they have resolved issues rapidly in the past. Between XXXX XXXX  and XXXX XXXX XXXX less than one month I had 9 REFUNDS ON MY ACCOUNT. Their BANK- their MISTAKES. I wrote a report and mailed it XXXX XXXX XXXX  to deal with one withdrawal on XXXX XXXX  that I  did not make of XXXX  which was not refunded. On XXXX XXXX  I made a withdrawal XXXX for which I received the money. I then saw 2 more withdrawals the same day which I did not makeXXXX XXXX XXXX XXXXBecause I received the money for the one transactions the other 2 would have put me over my $XXXX  max per day. Both were not refunded. I canceled the card and reported everything. I have my receipts for every transaction. I have pictures of the bank and the ATM machine involved. Nothing has happened. I used to love Santander. My case numbeXXXX XXXX XXXX XXXX  You can see the bank has an incorrect amount of money because they did not refund the 3 transactions. I understand that my report for $XXXX  and $XXXX  was declined. An agent told me when I reported the issues that a scimmer was probably used. I immediately canceled the card and followed their directions to protect my account. There is only one card on that account and it has never left me. I live alone so no one has used that card but myself. My record with the bank is spotless for 20 years. Why would I not be telling the truth? They have the date and time on their camera. Santander has stolen that money from me and I will pursue payment. The mistakes are theirs not mine. I am a little customer and they are huge with all the power. Why is there a problem with the refunds?There are cameras. These all happened in XXXX XXXX XXXX XXXX, at the main branch. Please help resolve this issue because I am very upset. This money was donated to help the poor of this area with their pets. Check me out at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Wrongful removal of account access and unfair banking practices by JPMorgan Chase Bank Narrative : I am filing this complaint because JPMorgan Chase Bank wrongfully removed my access to my bank and business accounts without a valid court order, legal document, or my consent, causing significant financial harm and disruption to both personal and business finances. 

On XX/XX/2025, Chase unilaterally removed me as an authorized owner/signatory on accounts that I legally owned and had access to. At no point did I sign a valid document authorizing removal of my access, nor was there a court order granting Chase authority to make that change. The removal was based on documentation the bank stated it received, but which I did not authorize and which is part of an ongoing dispute. After the removal of my access, I have c
alled Chase multiple times and have gone into a Chase branch in person multiple times to resolve the situation, requesting explanations, reinstatement of access, and a review of the documents that Chase claims justified its actions. Despite these attempts including providing requested information and asking to speak to escalated support or a bank officer Chase has not provided a satisfactory explanation, restored my access, or corrected the account status.

Because of Chases actions, I have been unable to access funds needed to operate my business, pay bills, and manage daily financial responsibilities. This has caused financial harm, including inability to make necessary payments and disruption to business operations. 

I believe Chases actions are unfair and improper because the bank relied on disputed or improper documentation, failed to notify me properly, and failed to follow its own policies and the account agreement governing account changes. Chases actions effectively sided with another party in an ongoing business/marital ownership dispute without legal authority to do so.

Resolution sought : 1. A formal explanation from Chase detailing the specific documents, dates, and internal approvals used to remove my access.

2. Restoration of my account access or correction of the account status recognizing my rightful ownership/authorization.

3. Any appropriate compensation for documented financial harm directly resulting from these actions.

I have attached supporting documents, including communications with Chase and records of my attempts to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MN

Complaint narrative:
I had two checking accounts with us bank one account has {$1000.00} & my other checking account has {$1800.00} my funds was held from XXXX XXXX & released XXXX XXXX I was informed that there where no problems with my money & it would be sent to me in the mail soon. After waiting 7/10 business days I only received partial of my money the amount of {$1000.00} after contacting the bank they told me they will be keeping my cash for further investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: VA

Complaint narrative:
In XXXX and XXXX, I applied and signed for two separate student loans through XXXX XXXX. However, there were two more loans added to my credit report that I did not sign for. XXXX XXXX claims receipt of electronic signatures for these loans. I contest this, as I did not sign for these loans. The loans were subsequently sold to Firstmark Services. I have been trying to get Firstmark to investigate the matter for years. In XX/XX/XXXX, I was instructed to submit a police report and an Affidavit of Forgery detailing the fraud/forgery. I submitted the documentation on XX/XX/XXXX. I have still been receiving phone calls since then, asking me for payment on the fraudulent loans. On XX/XX/XXXX, a representative told me that the investigation resulted in a denial and that that is the only information that she could provide. On XX/XX/XXXX a different representative advised that the investigation has no updates and is still pending. Please assist me with getting this matter resolved with Firstmark Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Draper and Kramer Mortgage Corp.
State: VA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercury Financial Intermediate LLC
State: CA

Complaint narrative:
This complaint concerns my Mercury XXXXXXXX XXXX XXXX issued by XXXX XXXX XXXX XXXX 
I am attempting to update the mailing address on this account and submit payment. When I first contacted Mercurys fraud department, they reported no hold or restriction on my account. I was then transferred to customer service, where I was told there is a payment hold preventing any account updates until a payment clears.

I do not have a payment due. In fact, this issue began when I attempted to initiate a payment to pay the account off. Since then, the company has placed an unexplained servicing hold that : Prevents me from updating my mailing address Prevents me from receiving paper statements Interferes with my ability to make payment Has not been explained or verified despite multiple calls Representatives refuse to reconcile the conflicting information between departments or provide written confirmation of the alleged hold. I am concerned this internal system error may result in wrongful delinquency or credit damage despite my good-faith efforts to pay and maintain my account.

I am requesting : Immediate removal of any improper hold Written confirmation of my correct balance and account status Restoration of my ability to update account information and submit payment without obstruction

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: DISCOVER BANK
State: NY

Complaint narrative:
I purchased merchandise through XXXX and returned it, abiding by the sellers provided return instructions ( a refund is supposed to be provided if the merchandise is returned within 7 days ). 

Delivery is confirmed via international tracking, but the seller failed to issue a refund. I submitted return tracking, delivery confirmation, the sellers return policy, and message history to Discover. Despite this, Discover denied my billing dispute and continues to charge me {$670.00} ( and interest ).

This constitutes a billing error under the Fair Credit Billing Act, which protects consumers from being billed for returned merchandise when a proper return is documented. XXXX declined to assist due to an internal XXXX policy, but Discover says it's XXXXXXXX XXXX responsibility. Both companies continue to point to the other for refund responsibility.

I am requesting reversal of the {$670.00} charge, as well as removal of any interest or fees associated with this purchase. I also consent to this description being published on consumerfinance.gov so others can learn from my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I had four separate accounts with Affirm for items I had purchased from XXXX. 
They set up payments automatically through my bank. 
In XXXX of XXXX I paid off all XXXX accounts in full. When I checked my accounts online they show to be paid in full. 
However since then, they have continued to withdraw my money from my bank even though I do not owe them anything, They withdrew {$40.00} for XXXX additional months, On XX/XX/XXXX I did an online chat with them and all seemed well - that it would be resolved. I sent them a follow up email stating such with an official document from my bank showing the withdrawals they made illegally. 
I asked for that money back. 
Well I have not heard from them since and now I got a text message saying the {$40.00} would be withdrawn from my bank in XXXX once again. 
They just XXXX ; t seem to want to stop this theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Lit Financial Corporation
State: IL

Complaint narrative:
On XX/XX/year>, a loan officer from Lit Financial emailed me a detailed amortization schedule and used screenshots of it to make a specific sales argument. He claimed that my principal balance after 36 months under their loan would be lower than my current mortgage, directly addressing my stated hesitation about the new loan 's high principal. I have attached this email as evidence.

This amortization schedule and the sales projections based on it were materially false. The interest rate and numbers used for these calculations were grossly inaccurate, as the company later admitted.

Relying on this misleading financial comparison, I proceeded with the application, authorized a hard credit pull, and paid a {$500.00} appraisal fee on XX/XX/year>. The appraiser was Lit Financial 's mandated vendor, included in the " services you can not shop for. '' On XX/XX/year>, I received the legally binding Loan Estimate, which showed the true payment of {$1100.00}, radically different from the projections I was shown. When I challenged the discrepancy, a company representative confirmed in writing that the initial schedule contained " incorrect interest rates '' and " invalid numbers. '' My Attempts to Resolve : I formally escalated this to the company 's management and executives on XX/XX/year>. I explained that the {$500.00} appraisal fee was a direct cost of their misrepresentation and demanded reimbursement. I also requested contact information for their legal/compliance department XXXX which was not provided. 

In their response on XX/XX/year>, a manager apologized for the " confusion '' but refused to issue a refund, falsely claiming it was impossible because the appraiser was a third party. They disingenuously suggested the falsified data was merely an " honest mistake '' with too many XXXX, ignoring that it was actively used as sales material. They also ignored my request to have the unjustified hard credit inquiry removed.

Summary of Violations & Harm : Deceptive Marketing : The company used falsified amortization data as a sales tool to overcome my specific objections and induce me to apply.

Financial Harm : This misrepresentation caused me to incur a {$500.00} appraisal fee and a hard credit inquiry.

Failure to Remediate : The company has refused to reimburse the fee, remove the credit inquiry, or provide a proper compliance channel, compounding the harm.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 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: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
When AmeriHome mortgage took over XXXX, XXXX XXXX. showed our mortgage amount that we owed was {$790.00}. They showed our Escrow amount was short {$52000.00}. I sent a check for that amount. When AmeriHome sent us our bill for XXXX, they had {$790.00} unapplied and raised our mortgage to {$870.00}. We paid XXXX. XXXX bill also showed the {$520.00} unapplied. They also showed it past due and mortgage now up to XXXX owed. Got another bill for XXXX with regular monthly payment for {$870.00} due with unapplied balance of {$520.00} with unapplied balance of {$520.00}. XX/XX/year> spoke with XXXX. I told him we didn't want a mortgage with an escrow account when we began this mortgage but the financial person that did that part of our settlement gave us this type mortgage even though I told her everytime we met that we wanted a conventional mtg. She just went and did this type of mortgage. We didn't know that until our first bill came. He said he could take that part away from our mortgage and we could pay our taxes and home-owner insurance ourselves and our mortgage payment would be {$460.00} if we sent him {$61.00} so I sent that check to them. He sent me a letter dated XX/XX/year> Escrow Waiver Application Form. I sent that back to him XX/XX/year>. Now we got an account disclosure payment letter which dated XX/XX/year> which looks like they are still doing the same thing as above only raising our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I contacted National Credit Systems on XXXX XXXX to request validation of a debt they are reporting on my credit report. During the call, I clearly stated that I was requesting written debt validation and did not wish to discuss payment or answer any questions at that time. 

The representative became hostile, refused to assist with my validation request, and disconnected the call because I did not want to answer any questions until I am able to view and verify the account. 

I believe this behavior is unprofessional and interferes with my right under the Fair Debt Collection Practices Act to request and receive validation of an alleged debt. I am requesting that National Credit Systems provide proper written validation and cease unprofessional conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Continued calls for over a year now. No voice mails left ever, no letters sent, I have no idea why this number keeps calling me. if they were trying to collect a debt, why not tell me in a message or a letter? they are not on my credit report with any debt, so why are they calling me over and over. I started to block the numbers and they still call with other numbers. if this was truly a debt collection attempt, they have never told me, just annoying calls several times a day. I tried to register on their website to get more information and no information is available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MI

Complaint narrative:
My car was deemed a total lose, my insurance paid {$4900.00} into my loan of {$8700.00}. how ever they refuse to acknowledge the payment, I contacted them on the XXXX of XX/XX/year> they they kept saying they needed the check number for an online transaction, I contacted them again the same day to try again, I was able to actually sent the invoice showing the transaction and everything they need to make the change and fined it. they said give it XXXX to XXXX hours, XXXX  days later and they still haven't changed or even acknowledge the transaction. I contacted them again on the XXXX of XXXX, and they said the transaction didn't go through ands they just got a note with more information and to give them XXXX hours to review it. it is clear they are doing nothing and are giving me the run around.

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

Complaint narrative:
A checking account that had been open since XXXX was abruptly closed by JPMorgan Chase in XX/XX/XXXX and labeled closed for cause. The closure followed XXXX disputed transactions that Chase later acknowledged were initiated by an individual who failed account verification. Chase confirmed that standard verification procedures, including text-message authentication, were not followed before allowing the disputes to proceed. 

The disputed transactions involved XXXX payments to a credit card issuer in the amounts of approximately {$4600.00} ( XX/XX/XXXX ) and {$4600.00} ( XX/XX/XXXX ). The account holders did not initiate these disputes and were unaware of them until Chase reversed the payments and left a voicemail stating the account had been compromised. The account holders contacted Chase using the number on the back of the debit card and cooperated fully. 

Despite cooperation, Chase did not conduct a meaningful interview of either account holder, did not provide documentation supporting the for cause determination, and closed the account less than XXXX month after the alleged incident. Branch personnel later expressed confusion about the closure, as the facts did not support fraud or misconduct by the account holders. 

The account and the alleged balance were subsequently included in a XXXX XXXX bankruptcy filed in early XXXX and XXXX on XX/XX/XXXX. Chase received notice of the bankruptcy but failed to ensure that its internal records and downstream reporting accurately reflected the discharge. Chase furnished information to XXXX XXXX XXXX indicating closed for cause and account abuse, despite the debt being XXXX and no fraud determination being made. 

After the discharge, Chase did not provide written confirmation correcting its internal records, removing risk or fraud flags, or confirming that no uncollected funds remained. The inaccurate furnishing contributed to negative consequences with other financial institutions. 

The account holders repeatedly sought explanations and corrections from Chase, including in-branch visits, but Chase did not provide a clear explanation of the investigation, did not substantiate the for cause designation, and did not confirm that inaccurate information furnished to third parties had been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Longbridge Financial, LLC
State: ME

Complaint narrative:
We got loan to pay longbridge off to stop for closure action After many calls to get a payoff number they gave us a number good till the XXXX the paying loan company sent a wire on the XXXX, I have a copy of the sent wire. Longbridge came back and said it was short {$3500.00}, which we paid just to end it.I feel they overcharged us at least {$3500.00}

Company response to consumer: Closed with explanation