vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I opened an account with Citizens Bank. My deposit check was in the amount {$75000.00}. The check was a beneficiary payout after my father 's passing. I opened the account on XX/XX/year>. I was continuously advised that the funds were on hold due to the check being verified. Each week I was given a different date of availability. I contacted the XXXX company, XXXX and was told the check was cleared from them on XX/XX/year>. I made countless phone calls to Citizens Bank to finally have my funds released on XX/XX/year>. I attempted to use my card on XX/XX/year> and it was declined. I contacted Citizens and was told they could not find an account. I went to a branch location and was told my account had once again been frozen. I was told they were closing the account and would send me a check. This had been the worst experience I have ever had with a financial institution. I have other bank accounts and have never had an issue. I am convinced this is a case of discrimination. I am a XXXX woman and both my brother and I are part of the XXXX community. I believe that the employees made an assumption based on the check amount that we would not have funds like this legally. I am already grieving the loss of my father and to have to be insulted and demeaned and refused access to my own funds is almost unbearable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paramount GR Holdings, LLC
State: PA

Complaint narrative:
My brother had a loan out with Good Leap, my mother listed as a co borrower. My brother tragically passed in an explosion at work XX/XX/XXXX Good Leap was made aware and emailed death certificate. My mother is legally XXXX and I handle her expenses. My mother asked to reconcile smaller amount of debt due to her being unaware of the loan and living on a fixed senior income. Good Leap refused the payoff. I made XXXX payment on my mothers behalf before she unexpectedly passed on XX/XX/XXXX. Good Leap was contacted, death certificate emailed. Good Leap is calling me multiple times daily. I have nothing to due with the account, and am getting called daily causing mental distress. Weekly I am told that I am taken off the call list, my estate attorney contacted company as well and they continue to harass myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Issue : Misrepresentation by bank employee resulting in loss of Power of Attorney and income I am filing a complaint regarding a serious incident involving a bank employee that resulted in financial and reputational harm. I held valid Power of Attorney for a client, covering financial and medical matters. During a visit to the bank, the employee presented a document to the client and stated that the purpose was to remove his deceased spouse from the account. However, the document signed instead removed me as Power of Attorney. The client was not informed of the true nature or effect of the document at the time of signing. As a direct result : - I was removed from my authorized role- I lost my professional relationship and income associated with this client Additionally, I have reason to believe the bank employee informed other individuals associated with the account that there was fraudulent activity involving me. This statement is false and has caused reputational harm. This situation raises concerns of misrepresentation, improper handling of legal documents, and potential defamation. I am requesting : - A full investigation into this matter - Copies of all signed documents and account changes- Identification of the employee involved - Correction of any false statements made about me I reserve the right to pursue further legal action. Sincerely, 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 2026-04-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
American Express National Bank used my banking information from an old XXXX XXXX XXXX Account governed by XXXX XXXX to open XXXX accounts in my name in XXXX or XXXX XXXX XXXX Since it was initiated on the receiving bank American it was a violation of bank policy. There were XXXX accounts, XXXX was a CD, for XXXX XXXX and the other was a high yield savings account for XXXX XXXX. Both American and XXXX have phone clerks and chat reps that have been presenting the XXXX XXXX blocks since end of XXXX. XXXX claims they never received the returned funds from American, after they were directed to refund me some XXXX years ago. American Express is supposed to have the funds but since XXXX XXXX won't relinquish my checking account information based on traditional reg p protocol such as XXXX, email and phone number and deny they can use name birth son they both are balking at over coming this denial of entry into account. I submitted on XXXX occasions by fax a notorized affidavit of identity from a XXXX store in XXXX and Again from XXXX XXXX XXXX XXXX XXXX XXXX XXXXalifornia. I believe this XXXX controlled bank has me listed as an XXXX since I have been in conflict with other XXXX based banks such as XXXX and XXXX. Once they get you on their list they use their personnel to block you from simple funds. XXXX time it was XXXX and another it was XXXX that XXXX employees were baiting me into conflict. Now they won't even honor my key phrase to verify me by phone and can't seem to find my affidavits. Political hard ball on the call now. My ssn is XXXX and XXXX is XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a wire transfer of {$43000.00} USD from a client, but XXXX XXXX claims they never received XXXX the existence of an XXXX XXXX XXXX number ( XXXX ) and the fact that the transfer * was * indeed received by XXXXXXXX XXXX. Their support team informed me that my account is currently undergoing a review process and that the funds would be returned to the originating account ; however, this has not happened. They are defrauding my client, as they have failed to return the transferred funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
XXXXssue Summary : XXXX XXXX ( Santander Consumer USA ) is attempting to collect an improper endoflease damage charge that is not supported by evidence. I returned my leased vehicle in good condition and have timestamped photos from the date of return showing no exterior damage. XXXX own inspection photos also do not show any visible damage. Despite this, they billed me {$2200.00} and later offered a reduced settlement of {$1100.00} with an arbitrary expiration date. I disputed the charge, but XXXX denied my dispute without providing proof of damage or a meaningful reinvestigation. What Happened : I returned the vehicle to my salesperson at XXXX XXXX XXXX on XX/XX/year>. I took timestamped photos when I turned the car over to XXXX XXXXXXXX showing the vehicles condition. XXXX later sent a bill for {$2200.00} in alleged damage. Their own photos do not show any visible exterior damage. I disputed the charge and requested documentation, but XXXX denied the dispute without providing evidence. They then sent a settlement offer for {$1100.00}, with an expiration date, which feels coercive and designed to pressure payment rather than resolve the dispute. I still have not received any proof that the alleged damage exists. Why This Is a Problem : XXXX XXXX is attempting to collect a charge without evidence, failed to conduct a proper reinvestigation, and is using a timelimited settlement to pressure payment. This appears to violate fair billing and disputehandling standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XXXX XXXX XXXX XXXX026, I ordered from XXXX XXXX items XXXX pairs of contact lenses, which I only received XXXX pair and he was damaged. I called affirm and notify them that I was supposed to receive XXXX pairs that this was mystery presentation. They opened up a case and it was in my favor. They credit my account {$13.00} however there were XXXX other items that arrived at a later date. XXXX was a pressure cooker and the other one was a wig. The pressure cooker was not to my standards, and the wig was not as described so on the website I requested shipping labels to return the pressure cooker back and the wig they received the item I proved delivery. They acknowledge that they have the merchandise however they do not want to credit {$76.00} even though they know that they have the merchandise and they acknowledge it because they said that I open up a claim with affirm. This matter just go back-and-forth and they do not want to credit my account in the amount of {$76.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GLOBAL CREDIT UNION
State: AK

Complaint narrative:
During the government shutdown in 2025, I contacted Global Credit Union and was approved for a hardship accommodations. I was told my payments would be deferred on my credit card, XXXX auto loans, and personal loan, and that no late payments would be reported during this time. After receiving back pay, I immediately brought all accounts current. I paid off my credit card in full ( approximately {$5000.00} ), and I brought both auto loans and my personal loan current. All accounts are now in good standing. My records show consistent and significant payments, including : {$1300.00} {$1300.00} monthly payments on my auto loans A large principal payment of over {$25000.00} Additional large payment over {$52000.00} toward my loan balance Multiple payments made even during financial hardship In addition, XXXX of my vehicles was involved in an accident and was declared a total loss. Despite this, I continued making payments on the loan while working daily with the insurance company and XXXX provider to ensure Global Credit Union would be paid. I am now down to approximately {$4400.00} remaining on that loan, which will be fully paid off soon. Despite all of this, Global Credit Union reported late payments on my credit report during the hardship period. This directly contradicts what I was told when I entered the hardship program. These late payments are inaccurate and unfair because : I was told payments would be deferred without negative reporting I relied on that promise in good faith I continued making substantial payments, even during hardship and after a total loss accident I brought all accounts current as soon as funds were available I am requesting that all late payments associated with this hardship period be removed from all credit bureaus and that my accounts be updated to reflect accurate payment history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting this complaint regarding a fraudulent credit card account opened under my identity with Wells Fargo ( account ending in XXXX ). I am a victim of identity theft and I do not recognize this account at all. XXXX. I NEVER applied for this account I have never submitted any credit card application to Wells Fargo, nor have I authorized anyone to open an account on my behalf. XXXX. I NEVER received the credit card I have never received any credit card, card mailings, or account materials related to this account. XXXX. XXXX impossibility The account application and transactions were conducted in New York. I want to clearly state : I have lived in XXXX XXXX for over 10 years I have not been in New York during the account opening or any transaction period It is physically impossible for me to have opened or used this account XXXX. Fraudulent identity information used The account contains personal information that is not mine, including : Address used for application Email address used XXXX information reported None of these belong to me. XXXX. Pattern of fraud activity The account shows purchases and activity concentrated in New York, which further confirms this is not my activity and is consistent with identity theft. XXXX. Previous dispute denied without proper investigation My previous fraud claim was denied by the bank despite my repeated denial and lack of any card possession or authorization. I believe the investigation was not properly conducted and did not consider critical evidence such as geographic inconsistency and identity mismatch.

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 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX XXXX Chase Bank XXXX XXXX XXXX Account XXXX and Improper Wire Transfer Fees To Whom It May Concern, I am submitting a formal complaint against Chase Bank regarding the handling of my Premier Plus Military Checking account and the assessment of wire transfer fees. I have maintained this account for over XXXX years under the understanding that my military-related account benefits included enhanced fee waivers compared to standard consumer accounts. Based on prior experience and communications, I reasonably believed that certain fees, including wire transfer fees, were either waived or treated differently for military account holders. Recently, I have been charged approximately {$25.00} per wire transfer. When I contacted Chase, I was informed that wire fees are only waived for payroll-related wire transfers. This explanation is unclear and potentially misleading, as payroll deposits are not typically processed via wire transfer, making this condition impractical and not reasonably disclosed. This situation raises concerns regarding : potential misrepresentation of account benefits, lack of clear and consistent disclosure of applicable fees, and inconsistent application of policies over the life of my account. I am requesting the following : XXXX. A full review of my account history to determine whether wire transfer fees were previously waived or handled differently XXXX. A clear explanation of any changes in policy or account benefits affecting military customers XXXX. Reimbursement of wire transfer fees that were assessed under unclear or inconsistent terms XXXX. Written clarification of the exact benefits associated with my military checking account I believe this matter reflects a broader issue of transparency and consistency in how military banking benefits are communicated and applied. You may contact me directly at : XXXX Thank you for your attention to this matter. I look forward to a timely resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ACIMA CREDIT, LLC
State: SC

Complaint narrative:
Ive been getting phone calles from various numbers and recently by XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Ive asked to verify the last XXXX of my social, and lady didnt want to share and said she wasnt obligated and once another lady helped she gave me the wrong social. ive told them its not my social and also still calls my family member to ask about me as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IN

Complaint narrative:
A collection account for approximately {$9000.00} was reported on or about XX/XX/year>, by a third-party collector on behalf of a residential property. This reporting occurred within days after the property was served with a lawsuit on XX/XX/year> regarding this same alleged debt. The timing raises serious concerns that the reporting was retaliatory and not the result of a proper or reasonable investigation. I dispute this debt in its entirety. The amount being reported is inaccurate and includes charges that are not legally owed, including charges assessed after surrender of the premises, normal wear and tear, and unsupported or inflated fees. Prior to this account appearing on my credit report, I did not receive proper validation of the debt as required under the Fair Debt Collection Practices Act. Despite my dispute, the company continues to report this account and has failed to conduct a reasonable investigation into the accuracy of the charges. Instead, it appears they are relying solely on information provided by the original creditor. This matter is currently in active litigation with a scheduled hearing on XX/XX/year>. The continued reporting of this inaccurate and disputed debt during active litigation is causing ongoing harm and violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BROKER SOLUTIONS, INC.
State: UT

Complaint narrative:
I have been trying to do a short sale since XXXX ( it is now XXXX ), and I was given false information on how to apply for a short sale multiple times during the process. I was then not told that I didn't meet the qualifications at that time until several months later, after doing an appraisal of the property on XX/XX/XXXX. A pipe ended up bursting due to use vacating the property in order to sale the property, so there was severe water damage. I then was told I was eligible again for a short sale and that they were planning to do an appraisal of the property. However the XXXX never got back to my realtor or myself to get the access code. They claim that on XX/XX/XXXX they attempted to do an appraisal at my property, however they had no access to the inside of the home. They then told me that there was no appraisal done yet a few days later. I was then told that they would potentially be using an appraisal that was done previously on the XXXX as they claimed the XX/XX/XXXX one could not be done due to poor conditions that they claim they saw from the outside of the home. I have been told conflicting information at every step of the process and on XX/XX/XXXX I spoke with management and they had no idea what was going on and still have yet to get back to me, with today being XX/XX/XXXX. I called today ( XX/XX/XXXX ) and they still had no update on what is going on and I was then told they had a right to enter the property without my consent. Which I believe is incorrect as I still own the property. .I am still awaiting a response and my credit is sinking and I owe over $ XXXX because I was told not to pay now in order for the short sale to actually go through.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: KY

Complaint narrative:
I called the mortgage company ( CrossCountry Mortgage ) ( XXXX XXXX ) the call went to another person and then another person. my problem is my payment has gone up by {$100.00} XX/XX/2026 and then another {$100.00} for XXXX XXXX i suspect over insurance coverage. Thank You XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Date of XXXX : XX/XX/year> Summary : I was the victim of impersonation fraud in which an individual falsely represented themselves as a representative of Chime and deceived me into transferring funds under false pretenses related to securing my account. Timeline of Events : XXXXXXXX XXXX Initial Contact : I received a phone call from XXXX from an individual claiming to be a representative of Chime regarding an urgent issue with my account. Shortly After False Security Claim : The individual stated that my account had been compromised and that immediate action was required to protect my funds. Shortly After Fraudulent Instructions : I was told that I needed to have a new routing and checking account created for security purposes. The individual instructed me to transfer my money to a recovery specialist, who would allegedly secure my funds, create new account details, and then transfer the money back into my account. Shortly After Transaction Completed : Believing I was following legitimate instructions from Chime to protect my account, I sent {$900.00} through the Chime app using the Pay Anyone feature. Shortly After Realization of Fraud : I realized that the individual was not affiliated with Chime and that I had been the victim of a scam. Shortly After Immediate Action Taken : I contacted Chime immediately to report the fraud and initiated a dispute. XXXX Police Report Filed : I filed a police report and provided the report information to Chime. XXXX FTC Complaint Filed : I submitted a complaint to the Federal Trade Commission. XXXX Dispute Reopened : After my claim was denied, I reopened the dispute and provided additional documentation.

Company response to consumer: Closed with explanation