vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
My business has been in XXXX, Colorado since XXXX, XXXX XXXX XXXX, XXXX. I have used several merchant services companies over the years. I started with PNC XXXX XXXX AKA XXXX in XXXX. In XXXX of XXXX, I decided to use another company. My last transaction with PNC was in XXXX of XXXX. I had an office XXXX at the time, and she no longer works here, so I don't have any proof that she cancelled the services in XXXX of XXXX except for the fact that I don't have any transactions after that date. I XXXX of XXXX, I was reviewing my expenses after my office XXXX left. I noticed that I was being charged a monthly fee ( $ XXXX ) and a yearly service fee ( {$150.00} ) for a merchant service fee that I no longer used. I called PNC several times and was able to reach a male employee. I do not have his name. He told me that the only way that I could cancel my service was to pay a {$490.00} cancellation fee. I finally agreed to be done with the service. This fee was debited out of my account on XX/XX/XXXX. The next month, XX/XX/XXXX, I was again debited the monthly fee. I called again and was told that XXXX more month was processed and that I would not have a fee beginning XX/XX/XXXX. I said okay and went on with other business. This past week I found that I have still been charged every month for this service and the yearly service fee again. 

I have called 3 times, the past few days. I was on the phone XXXX minutes on XX/XX/XXXX, XXXX minutes on XX/XX/XXXX, and XXXX minutes tonight. I spoke with XXXX, that promised to call me back the next day and did not. I spoke with XXXX who said that someone would get back with me the next day and didn't. Today I spoke with XXXX and was asked if she could call me next Tuesday. I told her that she could not, but I could on Wednesday. She said that was her day off. Apparently, my case has escalated to a level XXXX, and the department was closed for the day. When I started the phone call the department was not closed. I let her know that I would be filing a complaint and that after 6 years, many hours on the phone, and hundreds of dollars, I was out of patience. My current ticket number is XXXX. This is fraud. 
All of these funds have been collected directly from my XXXX Bank account as an Ach. I have not sent them any money. Even the {$490.00} cancellation fee was an Ach. I want these people to quit taking money out of my account. I don't have proof that the account was cancelled, except for no activity in XXXX, but I do XX/XX/XXXX 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
CFPB Complaint Fraudulent Banking and Deposit Scheme Product : Mortgage / HELOC / Checking / Cash Deposits Company : JPMorgan Chase Bank , N.A . and XXXX XXXX XXXX XXXX Issue : Fraud, scam, or unauthorized transactions What Happened : I was the victim of a complex fraud scheme in which individuals misrepresented themselves as legitimate business representatives and induced me to deposit cash and transfer funds into accounts controlled by the scammers. 

The individuals who contacted me and provided instructions used the following contact information : XXXX XXXX Phone : XXXX ( XXXX ) XXXX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Email used : XXXX Additional phone numbers used : XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX The scammers represented that they would pay my mortgage and HELOC with XXXX XXXX XXXX XXXX. I was told that I needed to deposit {$20000.00} USD in advance into their JPMorgan Chase Bank business account, and that the remaining funds would later be repaid by me with very little interest. 

To gain my trust, the scammers initially deposited {$50000.00} USD and later an additional {$99000.00} USD into my savings account at XXXX XXXX XXXX XXXX. After confirming with XXXX XXXX XXXX XXXX that these funds had been deposited, I deposited {$20000.00} USD into the scammers JPMorgan Chase Bank business account. 

Shortly thereafter, XXXX XXXX XXXX XXXX informed me that the {$50000.00} USD and {$99000.00} USD deposits had been fully withdrawn. At that point, I realized that I had been scammed. 

The scammers then attempted to obtain additional funds by depositing {$150000.00} USD into my JPMorgan Chase Bank account. They submitted a letter to a Chase bank manager stating that the funds would never be withdrawn ( Letter is attached ). Despite this representation, the scammers later withdrew the entire {$150000.00} USD. 

Earlier in the scheme, under fraudulent instructions, I also deposited cash into a JPMorgan Chase Bank account held in the name of XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX, associated with the state of Florida. The cash deposits totaled {$20000.00} USD and were made on XX/XX/XXXX and XX/XX/year>. 

After discovering the fraud, I promptly reported the matter to JPMorgan Chase Bank on XX/XX/year>, at XXXXXXXX XXXX, filed a police report, and fully cooperated with all investigations. Chase assigned escalation case number XXXX. 

Despite prompt notification and full cooperation, I did not receive clear or complete written explanations regarding the handling of the beneficiary accounts, recovery efforts, or compliance with fraud monitoring, Know Your Customer ( KYC ), and XXXX XXXX XXXX XXXX XXXX  requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I made XXXX loan payments to Company Name ( SPS ) Select Portfolio Servicing as follows : XX/XX/XXXX Paid {$3000.00} plus {$40000.00} extra toward principal ( total {$43000.00} ) XX/XX/XXXX Paid {$3000.00} plus {$5000.00} extra toward principal ( total {$8000.00} ) XX/XX/XXXX Paid {$3000.00} plus {$5000.00} extra toward principal ( total {$8000.00} ) The total additional principal paid is {$50000.00}. 

These payments have not been properly credited to my account, and my funds are currently unavailable. I have contacted the company multiple times by email and phone over the past 10 days, but I have not received any response or resolution. 

Urgency : My loan will be sold to a new bank on XX/XX/XXXX, so it is critical that this issue is resolved immediately to ensure the payments are properly applied before the sale. 

I am requesting immediate assistance to release or return my funds and a clear explanation of what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: IL

Complaint narrative:
My account has been suspended after I won my funds from XXXX games they sent it to cash app and I feel like I'm not going to get my funds XXXX $ I'm supposed to get I don't know why they have suspended me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Loan was sold from XXXX XXXX to mr cooper/XXXX mortgage in XX/XX/year>. Ive complied and made all my payments on time. I was a repayment plan that was to transfer over. I received a letter XXXX weeks after loan was sold that I was in default. I was incorrectly declared in default and been complying with repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing a complaint regarding multiple unauthorized charges on my Chime account and XXXX  failure to properly investigate my dispute. 
I did not make or authorize these transactions. I have never received, activated, or possessed a physical Chime debit card. I repeatedly contacted Chime to report that I never received a card and raised concerns about where cards containing my personal information were being sent, but no action was taken. 
The unauthorized charges include : XXXX XXXX XX/XX/XXXX {$52.00} XXXX XXXX XX/XX/XXXX {$32.00} XXXX  ( XXXX ) XX/XX/XXXX {$23.00} XXXX XXXX  XX/XX/XXXX {$21.00} Because I never had a physical card, I do not understand how these transactions could have been authorized. I filed a dispute, but Chime denied it without providing a clear explanation or evidence of a reasonable investigation. 
Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation XXXX ( XXXX C.F.R. XXXX ), consumers are not liable for unauthorized electronic fund transfers, and financial institutions must conduct a reasonable investigation. XXXX  denial appears inconsistent with these requirements. 
I am requesting that Chime be required to properly investigate, reverse the unauthorized charges, and correct any resulting harm to my account or credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
XXXX XXXX paid {$990.00} to XXXX XXXX for property tax for my VA funded home. I am 100 % VA XXXX and have a {$0.00} tax in New Mexico. 

XXXX XXXX returned the {$990.00} to XXXX XXXX in early XX/XX/year>. This amount has NOT been applied to my escrow AND XXXX XXXX has increased my monthly payment due to an alleged and inaccurate shortfall in my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have transferred XXXX USD to JP Morgan Chase, NEW YORK on XX/XX/XXXX to the account of XXXX XXXX XXXX and it appeared later that the company was fraudulant and charged of having a Ponzi Scheme and is under administration since last XX/XX/XXXX. 
The Bank didn't do due diligence to stop and reject the transaction. 
I emailed them many times about this fact and no one replied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Continues misapplied payment each month. Since I am prepaid 9 months, my payments are being applied to principal. I have to call them each month to reverse from principal and apply as a payment. Mortgage company response is I can not prepay my Mortgage more then 6 months. That is inaccurate as my note allows me to prepay my loan. I have been working in Mortgage servicing over 45 years, and the company response is not accurate. I have even talked to the escalation department. XXXX analysis said I could but there system is setup that way. This has been very poor customer experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: MD

Complaint narrative:
I called MRS BPO to verify my account and the debt I owe and the settlement options. The gentleman I spoke with I asked for written communication with the amount of debt I owe and he has yet to send it to me. I verified my email and I gave him a new email and never received the letter. He argued with me for 30 minutes versus trying a solution and give me the letter. He claimed he sent it 3 times but it was never sent to my email. I never got a phone call or email about the debt or letter about it being with MRS .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
It is with Paypal credit. I purchased XXXX items, returned XXXX. XXXX was with XXXX, XXXX with XXXX. I returned the products from XXXX. I have emails from XXXX showing the full refund of the returned items. XXXX is only giving me a partial refund of the XXXX. I have been contacting them since XX/XX/year>. I have chatted, faxed and emailed and used their message protal. I submitted the emails showing the refunds. They denied the claim. I reopened it but not hopeful this will result in a successful outcome.

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 2026-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
A One Pay XXXX XXXX is the subject. It is processed by Synchrony Bank. 

My complaint is this : My billing due date is the XXXX of the month. On or around the XXXX of the month I schedule my credit cards payments online to be processed on the due date. I do this for all my credit accounts. 
On the XXXX of XXXX my account was charged a late fee of {$30.00} even though the payment was being processed and should not be considered " late '' until after the due date. 
This is a standard practice, as it happened previously on XX/XX/XXXX. 

A computer error? Maybe, maybe not. The " late fee '' is being subtracted from my available credit.

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 2026-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Im a 100 % XXXX and the credit card company Synchrony Bank/Sams Card is charging me 28 % percent interest. I have good credit. I try very hard as a XXXX person to pay my bills on time and being on limited income. This is happening to a lot of people who are XXXX. We need our credit cards to purchase items when our income is low. Companies like these are getting over on people like myself. This company needs to be throughly investigated. I currently have 2 accounts with this bank. Account numbers are listed below. 
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 2026-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/year>, my PayPal account ( XXXX account ) was taken over and used to initiate an unauthorized electronic fund transfer ( ACH ) from my linked XXXX bank account in order to purchase/transfer crypto.

Timeline/ Account Takeover Around XX/XX/year>, a new/unrecognized device logged into my PayPal account. 

PayPal did not provide effective notice of the new device access, and has refused to provide device ID / IP logs upon request. 

On XX/XX/year>, the attacker used access to my PayPal account to change my password, change the primary email, and add a secondary phone number without my authorization. 

The attacker then initiated an ACH transfer of {$100.00} USD from my linked XXXX bank account via PayPal to fund a crypto-related transaction. 

Unauthorized Transfer I did not authorize, authenticate, or benefit from this transaction. This was an account takeover and unauthorized ACH debit.

Immediate Reporting I reported fraud to PayPal immediately on XX/XX/year>, the same day I discovered the unauthorized account changes and transfer. 

PayPal Denial Without Evidence PayPal denied my unauthorized activity claim, case XXXX XXXX stating on XX/XX/year> : Weve completed our review and determined there was no unauthorized use this transaction is consistent with your PayPal transaction history. 

PayPal has provided no evidence supporting this conclusion and has refused to provide the information necessary to evaluate their determination ( e.g., access logs, device identifiers, IP address history, authentication method, or account-change audit logs ). 

Transaction Amount : {$100.00} USD Transaction ID : XXXX Regulatory Concern This appears to be a failure to properly investigate and resolve an unauthorized ACH transfer as required under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation XXXX ( XXXX C.F.R. XXXX - error resolution ; XXXX - consumer liability limitations ). I promptly reported the unauthorized transfer and PayPal issued a boilerplate denial without providing support or meaningful investigation details.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I categorically deny that I do not owe XXXX or SOUTHWEST CREDIT SYSTEMS. A deceased person that lives at XXXX XXXX XXXX XXXX XXXX, CA XXXX may have used my name for get XXXX service when he was alive. 

I deny this account ownership it is fraud. This is not my account and I am a victim of fraud. 

I saw the collection on credit report and have disputed the collection with the XXXX Credit Report XXXX. 

I want the negative information be deleted from my credit report immediately by XXXX Credit Report XXXX. I repeat, I categorically deny that I do not owe XXXX or anyone this money as reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-17 00:00:00
Product: Mortgage — Conventional home 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: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I have sent since XXXX over {$3000.00} my account is now in foreclosure due to this. They have stopped taking my Money Orders Mr. Cooper XXXX and have been shredding them and not adding them to my account yes I may have missed XXXX payment but thought I had it caught up

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Managem is repeatedly abusing by calling for something that is either false statement or identify theft. 
I have all my bills and bank accounts statements for the last seven years so all my balances are $ '' XXXX ''. 
I didn't know that I was allegedly owe {$1500.00} until I checked XXXX score by my banker. 
I didn't remember that I opened any account in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I am filing a complaint against HRRG for violations of the FDCPA. This agency contacted me via telephone on XX/XX/2025 regarding an alleged medical debt from XX/XX/2025. 

1. Failure to Provide Written Notice : It has been more than 5 days since the initial communication, and the agency has failed to send me a written validation notice as required by 15 U.S.C. 1692g ( a ).

2. Debt is Not Mine : I informed the caller that this debt belongs to my sons father, who checked him into the hospital and signed as the financial guarantor. I never signed for this debt.

3. Harassment : Despite my verbal instruction to stop calling because the debt is invalid, the agency continues to call me.

4. Incomplete Validation : During the calls, the agency failed to provide the date of service or itemized details, making it impossible to verify the claim.

I am requesting that this agency immediately cease all collection activities and stop all phone calls. Since they have failed to provide the legally required written notice, they must be prohibited from reporting this to my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CFS2 Inc.
State: KY

Complaint narrative:
I filed a dispute with my bank ( XXXX ) regarding a mechanic repair charge XX/XX/XXXX. 
I did not allege an unauthorized transaction. 

I alleged that the transaction was authorized based on a false representation, and that the service was defective/ not rendered as promised. 

The bank investigated my claim solely under Regulation E, which only applies to unauthorized electronic transactions. 

The bank then denied my dispute on the basis that the transaction was authorized a point that was never in dispute and irrelevant to my claim. 

By misclassifying my dispute and failing to investigate the actual issue raised, the bank did not properly handle my billing dispute or conduct a meaningful investigation. 

I am requesting that the bank review this matter under the correct classification and provide a written explanation for why my claim was not investigated as a services-not-rendered or defective service dispute. 

Additionally, the bank did not contact me for clarification, did not request additional documentation, and did not conduct any meaningful review of the underlying service failure. 

No follow-up was made to understand the condition of the vehicle, despite the repair failing within hours and the vehicle being returned in worse condition. 

I was denied without an opportunity to clarify or supplement my claim, despite clearly disputing the quality and completion of services rather than authorization of the transaction.

Company response to consumer: Untimely response