vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing a formal complaint against American Express for unfairly denying a chargeback dispute regarding a merchant that has completely gone out of business, resulting in a total failure of services rendered. In XX/XX/year>, I purchased a XXXX XXXX flight through XXXX for approximately {$200.00} using my American Express card. The flight was scheduled for XX/XX/year>. Due to a schedule change/cancellation, I was issued a XXXX XXXX XXXX XXXX. I held this credit in good faith with the intention of using it. Recently, XXXX XXXX completely ceased operations and went out of business. Because the airline no longer exists, my {$200.00} flight credit is entirely worthless, and the merchant is legally incapable of honoring the credit or providing the service. XXXX XXXX ' official closing directives explicitly instructed affected consumers to contact their credit card issuers and financial institutions to seek refunds. I initiated a dispute with American Express. Amex immediately closed the dispute, citing a strict 60-day rule from the original statement date under the Fair Credit Billing Act ( FCBA ). While I understand the standard 60-day window for typical billing errors, this is an extraordinary circumstance involving a total merchant liquidation. A consumer can not dispute a charge for " services not rendered '' until the service becomes impossible to render. In this case, the permanent loss of the service occurred only when the airline collapsed, making it impossible to meet the standard 60-day timeline from the original purchase date. Furthermore, both XXXX ( the booking agent ) and XXXX XXXX have directed me to my financial institution, as the funds rest with the payment processor network. As a premium financial institution, American Express has internal policies and network rules to handle chargebacks for merchant bankruptcies and liquidations. Frontline automation should not be used to summarily deny a consumer protection claim where the merchant has permanently shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
On Thursday, XX/XX/year> I called into Rocket Mortgage to discuss the increase of my mortgage payment going from {$1300.00} to {$1300.00}. The customer service agent informed me that it was due to a potential increase in Illinois escrow funds either my property taxes or private mortgage insurance amount that may take place in XXXX of 2026. Rocket Mortgage has not sent me any formal communications regarding this hidden/unexplainable fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
The company continues to contact me to " confirm '' payment arrangements that were made. This week, they have contacted me consecutive days in order to " confirm '' I'm still making the payment arranged for the end of the month. They e-mail and text message almost at the same exact time, making it excessive. I feel harassed and I'm constantly having to repeat myself or my situation because they " can't see what was said before. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: PNC Bank N.A.
State: IN

Complaint narrative:
In XX/XX/XXXX, I received a PNC security alert stating that on XX/XX/XXXX my PNC checking account was linked to XXXX XXXX through XXXX. I have never used XXXX, XXXX XXXX, or any related services, and I never authorized any XXXX connection. This alert shows that a third party gained unauthorized access to my PNC account and linked it to an outside company without my permission. I have not been able to safely access my PNC online banking since XXXX XXXX due to repeated hacking, unauthorized activity, and accounttakeover concerns. Because my online banking profile appears compromised, I have avoided logging in for safety reasons. I did not initiate this link, and I did not grant any datasharing permissions. The PNC alert states that XXXX XXXX will continue to have access for months unless removed, but I can not safely log in to remove it. This unauthorized linking raises serious security concerns, especially since I have no relationship with XXXX XXXX and never approved any connection. I am requesting that PNC treat this as unauthorized access and account takeover, remove the XXXX XXXX link, investigate how this connection was created, provide device and access logs from the date of the link ( XX/XX/XXXX ), and secure my account by issuing a new online banking profile. I am filing through the CFPB because I can not safely use PNCs online systems due to the ongoing compromise. Additional Unauthorized Access XXXX Linking I also received a second PNC security alert dated XX/XX/XXXX stating that on XX/XX/XXXX my PNC checking account was linked to XXXX through XXXX. I have never used XXXX, never opened any XXXX accounts, and never authorized any XXXX connection to XXXX. This is a separate unauthorized thirdparty link created on the same date as the unauthorized XXXX XXXX link. The alert states that XXXX will continue to have access to my account for months unless removed, but I can not safely log in to PNC due to the ongoing account compromise. This confirms that multiple unauthorized companies were linked to my PNC account without my permission, indicating a broader account takeover. I am requesting that PNC treat the XXXX XXXX link as unauthorized access, remove it, investigate how it was created, and provide logs for this event as well. Both the XXXX and XXXX XXXX links were created on XX/XX/XXXX, which I did not authorize, and both must be treated as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Over the course of the past month, I have been unsuccessful in having Ally Bank close my checking account. There are no funds in this account and I have requested it be closed. Each request results in the customer service representative explaining that they are unable to complete the process and I am told someone will contact me. Eventually, I do receive a call and a voicemail is left with a reference number asking me to return the call. When I do, I go through the exact same unsuccessful process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing a complaint regarding PayPals handling of a transaction dispute involving goods/services that were never received. I initially filed my dispute around XX/XX/year>. Since then, I have contacted PayPal approximately XXXX different times and spoke with XXXX different representatives regarding my case. During those conversations, I was repeatedly informed that I would receive a refund or that my case would be further reviewed and converted appropriately. Based on the information provided by PayPal representatives, I continued cooperating with the dispute process and relied on the representations being made to me. The payment was sent through PayPal Friends & Family after being instructed/led by the seller to use that payment method for a transaction involving goods/services. The goods were never delivered. I was later told by a supervisor that the previous information provided by multiple representatives was incorrect and that no refund would be issued. I believe PayPal failed to properly review the nature of the transaction and provided inconsistent and misleading information regarding my dispute rights and refund eligibility. I have formally requested copies of call recordings, transcripts, internal case notes, representative notes, and dispute documentation related to my communications with PayPal. I am requesting : A full review of the transaction and dispute, Refund consideration for goods/services never received, Copies of all communications, recordings, transcripts, and internal case documentation related to my dispute, Written clarification regarding the contradictory information provided by PayPal representatives XXXX I attempted to resolve this matter directly with PayPal before filing this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D.B.F. COLLECTION CORP.
State: FL

Complaint narrative:
In early XX/XX/2026, I sent a detailed written validation request to a debt collection company regarding a collection account. The request was delivered via Certified Mail and received by the company on XX/XX/2026. The validation request asked for specific documentation, including chain of title, the signed original contract and riders, a full itemized accounting with usage calculations for storage fees and building-billed electricity, the exact date of first delinquency, and proof of the companys Florida debt-collection license. The company has provided no response or validation after more than 30 days. Despite never validating the debt as required under the Fair Debt Collection Practices Act, the company continued to report the account to a credit reporting agency and verified the account as accurate when the credit reporting agency investigated my dispute in XX/XX/2026. The company failed to validate the debt before continuing collection activity through reporting and verification to a consumer reporting agency. I have also submitted a follow-up dispute directly to the credit reporting agency demanding deletion of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I have been a customer of TD Bank auto lending since XX/XX/XXXX and my account is in good standing. I called customer service today XX/XX/XXXX, to proactively inquire about payment deferment for my auto loan while on maternity leave XXXX XXXX and extended the duration of the loan to comp those payments. I was told that my account must be 3 months delinquent before a deferral can even be requested, even though the impact of a 3 month delinquency would obviously be detrimental to my credit, and my maternity leave is a legitimate and foreseeable financial hardship as my employer does not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
Company Name : Ford Motor Credit CompanyProduct/Service : Auto Loan / Vehicle RepossessionComplaint Description : I am an active-duty member of the United States. I am filing this complaint against Ford Motor Credit Company for an illegal vehicle repossession that violated my federal rights under the Servicemembers Civil Relief Act ( SCRA ), as well as subsequent property damage caused by their agents that Ford has failed to resolve.Timeline of Events : In XXXX : While I was on active-duty status, Ford Motor Credit Company illegally repossessed my new vehicle without the required federal court order.Vehicle Return & Property Damage : Following the illegal seizure, Ford returned the vehicle to my possession. However, the repossession towing company severely damaged the vehicle during transport.Immediate Notification : I immediately took comprehensive, timestamped photos of the physical damage and emailed them directly to the XXXX representative assigned to my case.XXXX XXXX : Due to my active service time following this incident, my ability to pursue this matter was severely restricted. Under SCRA Section 3936, the statute of limitations on this property damage claim has been legally tolled ( paused ) during my periods of military service.Recent Escalation : On XX/XX/XXXX I forwarded the full XXXX email chain and photo evidence directly to Ford Motor Credits executive leadership team.Current Status : A representative XXXX XXXX recently acknowledged the issue and stated my file was sent to Fords " Buy-Back Department, '' but informed me it would take 10 to 14 days to receive a response. XXXX called me on XX/XX/XXXX and informed me that my request was denied because it has been longer than 2 years since the incident occurred. I called back and spoke to a different representative who told me that it is my responsibility to contact the repo company and get it resolved on my own. I asked him how should I know which company to call when it was Ford who initiated the illegal repossession. To date, no concrete financial resolution or vehicle replacement offer has been finalized, and the property damage remains unresolved.Violations & Requested Resolution : Ford Motor Credits initial actions constitute a clear violation of the SCRA protections afforded to active-duty servicemembers regarding vehicle repossessions. Furthermore, as the hiring entity, Ford is fully liable for the property damage caused by their repossession agents.I request that Ford Motor Credit corporate compliance immediately resolve this issue by executing a vehicle buy-back or a Substitution of Collateral for a replacement vehicle. Any replacement agreement must contractually preserve my current 6 % SCRA interest rate since I am still on XXXX XXXX, maintain my current loan balance, and absorb all associated taxes, dealer fees, and registration costs to make me completely whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I am filing a complaint against Rocket Mortgage regarding improper payment application and an incorrect rollback of my mortgage due date. I am enrolled in Rocket Mortgages Biweekly AutoPay program, which required me to be paid one month ahead when I enrolled. My transaction ledger shows a consistent pattern that supports this paid-ahead status. For example, after a payment posted on XX/XX/XXXX, the ledger showed my next due date as XX/XX/XXXX, and after another payment posted on XX/XX/XXXX, the next due date became XX/XX/XXXX. The same pattern continued later in the year and into XXXX, including a XX/XX/XXXX payment showing next due XX/XX/XXXX and a XX/XX/XXXX payment showing next due XX/XX/XXXX. The key issue is what happened in XXXX and XX/XX/XXXX. On XX/XX/XXXX, Rocket Mortgage posted a regular PAYMENT of {$4200.00}, transaction XXXX, and the ledger showed my next due date as XX/XX/XXXX. The same date also shows related principal entries, transactions XXXX through XXXX, all reflecting next due XX/XX/XXXX. Then on XX/XX/XXXX, Rocket Mortgage reversed that regular payment in transaction XXXX. After that reversal, the ledger shows my next due date as XX/XX/XXXX. XXXX then reposted the same {$4200.00} as a PRINCIPAL PAYMENT in transaction XXXX, but did not restore the XX/XX/XXXX due date. Additional XX/XX/XXXX entries, including transactions XXXX through XXXX, also continue to show next due XX/XX/XXXX. In plain terms, Rocket Mortgage appears to have corrected XXXX issue by creating another. They converted a previously credited scheduled monthly payment into a principal-only payment, and by doing so they removed XXXX month of my paid-ahead status. I am not disputing the principal-only correction itself. I am disputing that Rocket Mortgage appears to have funded that correction by reversing a payment that had already advanced my due date to XX/XX/XXXX. I am requesting that Rocket Mortgage : XXXX. Restore my next due date to XX/XX/XXXX XXXX. Keep the XX/XX/XXXX principal-only payment in place XXXX. Provide a transaction-level written reconciliation explaining exactly how transaction XXXX on XX/XX/XXXX advanced my due date to XX/XX/XXXX, why transaction XXXX reversed that scheduled-payment effect, and why transaction XXXX reclassified the same funds only as principal XXXX. Confirm in writing that my paid-ahead status under the biweekly program has been restored I have already tried to resolve this directly. The ledger itself shows that I had a XX/XX/XXXX due date before Rocket Mortgages XX/XX/XXXX reversal and that the due date dropped back to XX/XX/XXXX only after that reversal and reposting. I want Rocket Mortgage to correct the account and provide a clear written explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I was a XXXX customer for more than 20 years through the XXXX XXXX credit card program. During the transition of accounts from XXXX to Citibank, the handling of billing and payment access has been unacceptable. There are XXXX separate issues that require immediate resolution : XXXX. Removal of Late Fees and Interest Charges The XXXX statement was due on XX/XX/XXXX. However, Citibank would not provide customers with : - the statement balance, - where to send payment, - how to make payment, or - even the account information necessary to access the account until the new Citi credit card arrived in the mail. After multiple contacts with customer service, your Executive Response Unit finally emailed me a copy of the statement on XX/XX/XXXX. I paid the balance the very same day I received the bill. Under these circumstances, it is unreasonable and inappropriate to assess late fees or interest charges tied to the XX/XX/XXXX due date when customers were not given the ability to obtain or pay the bill beforehand. These charges should be immediately reversed. XXXX. Payment Hold / Failure to Release Available Credit Although my payment was posted and applied to the account on XX/XX/XXXX, the available credit has still not been restored nearly a week later. The payment clearly shows as received and applied to the account, yet the credit line remains restricted. I am currently traveling on business and am unable to properly use my credit card because of this delay. This is unacceptable, particularly given that this entire situation stems from Citibanks mishandling of the transition process. Additionally, standard customer service has been unable to resolve the matter or provide meaningful assistance. Representatives appear to have limited authority and limited access to escalation options, while the Executive Response Unit is extremely difficult to contact directly. This has been XXXX of the worst financial account transitions I have experienced in over XXXX decades as a cardholder. I am requesting the following immediately : - Removal of all late fees and interest associated with the XX/XX/XXXX payment cycle I have never been late on a credit card payment or not paying the payment in full. But you can not pay a bill if you don't know what it is or who you pay, especially when they won't even send you a bill. - Immediate release of the available credit tied to the payment already applied to the account - Written confirmation of both actions Thank you for 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 monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing a complaint regarding an unresolved dispute with JPMorgan Chase involving an alleged {$9000.00} balance that I continue to dispute as resulting from unauthorized account access and suspicious account activity. I believe my account may have been compromised, and transactions occurred that I did not knowingly authorize. A fraud claim was previously opened with the bank and later closed, with the bank asserting I was responsible for the activity. I also reported to JPMorgan Chase that my device and wallet were stolen around the time the disputed activity occurred. I raised this concern with the bank during my fraud reporting process, as I believe it may be relevant to the unauthorized access to my account. However, I do not believe this information was fully considered in the final decision to close my fraud claim and assign responsibility for the transactions to me. I have requested full documentation and supporting records from the bank regarding this balance, including complete account statements, transaction details, deposit records, and any available authentication or login information used to authorize the transactions. I have not received the requested documentation necessary to independently verify the activity. I have also contacted Chase directly requesting these records, but instead of receiving the documentation, I continue to receive emails requesting that I begin repayment of the {$9000.00} balance without having been provided the underlying transaction evidence supporting it. I do not currently have access to the online account to obtain these records myself. I am requesting a full reinvestigation of this matter, disclosure of all supporting documentation, and correction or removal of any charges determined to be unauthorized or incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/year>, an unauthorized XXXX transfer was made involving my checking account with US Bank. The scammers were able to transfer {$3500.00} to an account they named " XXXX. '' I did not authorize this transfer. I immediately reported the stolen funds to US Bank. On XX/XX/year>, I received a letter from US Bank denying my claim. stating " ... the transaction was processed according to the payment instructions provided. '' Again, My account was hacked and on the same day the scammers took control of my laptop and hacked my phone. I did not in any way shape or form authorize or permit the transfer of funds to a fraudulent account named " XXXX. '' I have also filed a police report and I am awaiting for a report number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief