vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 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: PA

Complaint narrative:
I am writing again to formally demand reconsideration and escalation of PNC Banks denial of my fraud claim related to transactions that were initiated as a direct result of intentional deception, misrepresentation, and social engineering. 

PNCs prior determination is incorrect and incomplete. While the transactions may have been technically initiated from my account, they were not authorized in any meaningful or informed sense. My consent was obtained solely through fraud. The recipient deliberately misrepresented their identity, location, and purpose for the funds, which constitutes a recognized form of financial exploitation and consumer fraud. 

These payments were made in reliance on false representations and emotional manipulation consistent with a scam, a category of fraud well-documented by the FTC, CFPB, and federal law enforcement. Had the true facts been disclosed, these transactions would never have occurred. Authorization obtained through deception is not valid authorization. 

PNCs denial appears to rely on a narrow interpretation that ignores the role of social engineering and misrepresentation. Financial institutions have an obligation to conduct a reasonable and thorough investigation into fraud claims, including scams involving coercion, impersonation, and false pretenses. A blanket denial based solely on customer initiation fails to meet that standard. 

Accordingly, I formally demand the following : Immediate reopening and escalation of my fraud claim for executive-level review. A detailed written explanation identifying the specific evidence and policy relied upon in denying my claim Reimbursement of the disputed funds due to fraud and material misrepresentation Please be advised that if this matter is not resolved promptly, I am prepared to take further action without additional notice, including : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) naming PNC Bank Submitting complaints to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the XXXX Attorney General Pursuing additional remedies available to me under applicable consumer protection laws This letter constitutes a formal demand for reconsideration. I expect written confirmation that my claim has been reopened within XXXX business days of receipt. 

I am enclosing supporting documentation, including payment records and evidence demonstratin misrepresentation and fraud. I trust PNC Bank will correct its prior determination and handle this matter appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I went to deposit a check with Chase bank and they said that my check would not clear until XX/XX/XXXX after they printed a receipt for it. I told them I did not want to proceed and they stamped the back of the check with a cancel order. The bank proceeded to try to deposit the check into my account at XXXX XXXX in the morning. I called Chase as soon as they restricted my account because this triggered a fraud warning. A representative with their Fraud division told me to call their deposit division after I explained what happened. They said I was good. I contacted deposit division and they told me to go into branch and have them get my account out of the negative with a cash deposit. After spending a couple hours in the physical branch that I have done business with for 9 years, they told me my account balance was back in the positives and my account would be working again in one day. I waited two days to use my Chase account and when I tried to login I was still restricted. I called the bank and they told me that they closed out my account. I did not authorize this and they closed my account with my account in the positives. I went back up to branch and they could not give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: CA

Complaint narrative:
Re : Supplemental Statement CFPB Complaint No. XXXX Company : American Express Product XXXX Credit Card To Whom It May Concern, I am submitting this supplemental statement to clarify the record while this complaint remains open and under review, following American Expresss interim response dated XX/XX/year>. 

This submission is intended to ensure that the facts are accurately reflected and that my rights as a consumer are preserved during the CFPBs ongoing review. 

1. Clarification Regarding Fraud Designation I reiterate clearly and unequivocally that the disputed charges on my American Express account were not made or authorized by me. 

At no point did I knowingly or voluntarily withdraw a fraud claim. Any deviation from a fraud designation occurred only after repeated communications in which American Express representatives : Discouraged me from formally pursuing a fraud claim, Minimized the protections available to me, Framed escalation as harmful to my account standing or relationship, And failed to clearly explain the consequences of not maintaining the fraud classification. 

Any suggestion that I abandoned a fraud claim was the result of misleading guidance and pressure, not informed consent. 

2. Misleading and Improper Dispute Handling American Express initially confirmed that the transactions qualified as fraud. However, instead of supporting that determination, the company : Redirected the process away from formal fraud handling, Used my good-faith attempt to resolve the matter amicably against me, Failed to provide transparent explanations of my rights or options. 

I even offered to pay charges that were not mine solely to preserve a long-standing relationship, not as an admission of responsibility. This offer was later treated as justification to deny fraud protections, which is improper and unfair. 

3. Ongoing Harm and Unresolved Issues As of today : Unauthorized charges remain unresolved ; Fraud protections were not properly applied ; I was denied a fair, transparent, and informed dispute process. 

These failures deprived me of the protections afforded to consumers in cases of unauthorized transactions and raise concerns about misleading dispute practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX, I received an electronic American Express XXXX XXXX from my employer in the Amount of {$50.00}. When trying to access this card for use, I could not. I contacted American Express directly and they canceled the electronic gift card and opened a case to research my complaint. Once they conducted their investigation, they informed me that they would be issuing me a refund check in the Amount of {$50.00} to be sent directly to my private residence. Accordingly, I have not yet received a refund check and have repeatededly been misled by customer service reps that this matter is being taken care of. This has been ongoing since XX/XX/year> and to this date, this matter has not been resolved nor is American Express taking this case and complaint submitted against them seriously!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding an unauthorized XXXX transaction processed through my Cash App account. 
On XX/XX/year>, XXXX was transferred out of my Cash App account without my authorization. XXXX for {$300.00} and a second one for {$1700.00}. I received a notification and reported the transaction immediately upon discovery. 
I do not regularly use XXXX on Cash App, and this transaction does not align with my historical account activity. The transfer was not initiated by me, and I did not authorize it or benefit from it in any way. 
Based on publicly available blockchain records, the destination wallet associated with this transfer shows a consistent pattern of receiving XXXX from many unrelated users and redistributing funds across a large number of recipient addresses in high-volume, batched transactions. This activity appears automated and does not resemble a typical individual wallet or a transaction initiated by me. 
At the time of the transaction, I had lost access to my phone and was using a replacement device when I reported the issue. I did not share my credentials or provide authorization for this transfer. 
Although I understand that XXXX transactions are irreversible, I am requesting a good-faith credit due to the unauthorized nature of the transaction, my immediate reporting, and the abnormal transaction behavior. I am requesting that Cash App conduct a full review of device access, authentication history, and transaction activity and provide reimbursement for the unauthorized loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: CA

Complaint narrative:
the card is declined even with money they dont fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Filing a complaint against Bank of America for refusing to properly investigate disputed charges in the amount of {$750.00} paid to a law firm that failed to perform any legal services over a traffic ticket I was falsely arrested over on XX/XX/year> without due process or a legitimate claim against me all over asking questions and excercising constitutional protected liberties. The attorney ( s ) did not conduct litigation, discovery, nor provided any type of representation and retained my funds after I terminated for negligence and ethical violations after colluding with the same prosecutor that represents the police department. This extreme miscarriage of justice has affected my livihood against my consent. I submitted documentation showing non performance, deceptive trade practices, and text messages showing failure to prove what work was done by this law firm, yet Bank of America repeatedly closed my appeals or lost my disputes without conducting good-faith investigation or providing a provisional credit. This violates the Fair Credit Billing Act and Bank of Americas duty to reasonably investigate fraudulent or disputed charges. I request CFPB intervention to require a proper investigation for a full refund by check to my POBOX.

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 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: CA

Complaint narrative:
im sick of these losers doing nothing to fix the ongoing declined charges when i have money available

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: PA

Complaint narrative:
On Friday XX/XX/year>XXXX  around XXXX XXXX  {$1100.00} was stolen from my Cash App account. It was a XXXX  transaction, I was alerted several times about an android phone being used. I changed my password several times showing it wasnt me making the transaction. I have an XXXX. I then contacted the cashapp support and was told it could take up to 10 days for an investigation!!! Im currently homeless now with nowhere to go in XXXX XXXX weather. It took seconds for someone to steal my hard earned money but I have to wait for days for an answer. Make that make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX constantly declined even though i have money in the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: CA

Complaint narrative:
they refuse to fix the declined charges. even though there is money the card is declined. i need you people to force them to fix this or disclose WHY. they REFUSE TO COOPERATE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I am disputing the collection account with ROUNDPOINT MTG- XXXX XXXX XXXX XXXX XXXX  This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that ROUNDPOINT MTG provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I did not sign a contract with the collection agency I am not liable for the credit with PORTFOLIO COMPANY I do have a contract with the PORTFOLIO COMPANY collection agency they did not provide me with the original contract as I requested correction to my credit report I demand this account to be removed from credit report U.S.C 1666b 15 U.S.C 1993o-2 15 U.S.C 1662

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: CA

Complaint narrative:
cashapp wont even tell me why nevermind fix the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX refunded from shoe palace purchased with afterpay thru cashapp. The item was never received dispute filed and won with cashapp/afterpay was told refund will be sent within XXXX business days. In checking m transactions I dont see funds refunded. I called cashapp to inquire about my refund and was told it was issued on XX/XX/year> but this does not show in my transactions nor reflect on my balance, instead the rep tells me refund was issued and was spent on purchases at Walmart, Arco, etc. I explained the transaction she referred to same from my cash balance the refund does not show in my transaction but the transactions that were supposed to exhaust my refund amount shows but the refund doesnt. Cashapp has failed to provide my XXXX refund to my balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Company : Rocket Mortgage State : Pennsylvania Complaint : Rocket Mortgage previously corrected my escrow going forward after my prior CFPB complaint, but my monthly payment remains inflated because improper charges caused by servicing errors are still included in my escrow balance and shortage calculation. 

In Rocket Mortgages prior written response, the company admitted that a servicing error occurred when it failed to properly contact my homeowners insurance provider during the policy cancellation and renewal period. This servicing failure triggered the lender-placed insurance process and resulted in an insurance lapse charge of approximately {$470.00}, which was assessed to my loan and included in escrow calculations. 

Additionally, penalties were charged in connection with supplemental/interim property tax bills and paid through escrow, further increasing the escrow shortage and my monthly payment. Even if base taxes were my responsibility, penalties caused by billing and payment handling should not be passed to the borrower when servicing failures contribute to the charges. 

Although Rocket Mortgage adjusted my future escrow estimate, it has not removed the improper insurance lapse charge or tax penalties from my escrow account balance. As a result, my monthly payment is still approximately {$240.00} higher than it should be and I am being required to repay a shortage that was caused by improper servicing-related charges. 

What I am requesting : Removal and reimbursement of lender-placed insurance lapse charges caused by servicing error Removal of tax penalties paid through escrow that contributed to the escrow shortage Recalculation of escrow account after improper charges are removed Adjustment of my monthly payment to the correct amount Written documentation confirming the corrections Correcting future escrow projections does not resolve improper past charges that continue to inflate my payment and escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: LoanCare, LLC
State: SC

Complaint narrative:
Summary of the Issue I am filing this complaint because my mortgage servicer has failed to acknowledge and respond to a valid Qualified Written Request ( QWR ) as required by RESPA 2605 ( e ) and its implementing regulations. Despite confirming receipt, the servicer has provided no substantive response or lawful explanation for its noncompliance. This failure has prevented me from obtaining critical servicing information and has obstructed my ability to protect my rights. 

Detailed Description of the Problem 1. Failure to Acknowledge or Respond to a Qualified Written Request ( RESPA 2605 ( e ) ) On XX/XX/year>, I submitted a Qualified Written Request ( QWR ) to my mortgage servicer regarding the servicing of my loan. The servicer received the request, and I have proof of delivery. The foreclosure attorney acting on the servicers behalf also received notice of this request. 

Under federal law, the servicer was required to : Acknowledge receipt within 5 business days, and Provide a substantive written response within 30 business days The servicer has done neither. 

Instead, when I followed up, I was told : The person who handles it isnt at work Nothing is in my file These statements were made directly by the foreclosure attorney and/or servicer representatives. Staffing issues or internal disorganization are not valid excuses under RESPA and do not suspend or toll statutory deadlines. 

As of today : No acknowledgment has been sent No response has been provided No documents, explanations, or corrections have been issued No written communication addressing the QWR exists This is a clear violation of RESPA 2605 ( e ).

2. Willful Disregard for Federal Servicing Obligations The statements that nothing is in the file and that the responsible person isnt at work demonstrate more than delay they show a failure to maintain and track legally required servicing correspondence. 

The QWR was submitted specifically to obtain clarity regarding servicing errors and account status. By ignoring it, the servicer has : Prevented me from obtaining information I am legally entitled to Obstructed dispute resolution Undermined transparency required under federal law This conduct appears willful, not accidental.

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 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I use my account for everyday things. I rarely ever carry my wallet and my bank card doesnt work half the time so I use my Cash App card. I pay bills with it, if someone gets me food I simply Cash App them because I never carry actual cash, Ive used the borrow feature to help me while my husband was out of work for XXXX months and thats also how I was able to receive help from family for bills and food during that time. I literally use it just like a bank card. Its easier to use and more convenient than always having to go to a bank and withdraw money. I work as a XXXX XXXX, I dont have the means to run around and just go to the bank, thats why I use cashapp. I dont understand how it violates policy. 

My account was flagged I guess because I disputed a charge from XXXX for {$78.00} that I DID NOT MAKE and for some reason theyre now saying I violated terms. How is it a violation to report money I DID NOT SPEND, how is that my fault? Its like I am being punished for reporting fraudulent transactions. 

Ive appealed the decision and they say theres nothing further they can do because their support team has thoroughly investigated. I havent done ANYTHING WRONG!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: CA

Complaint narrative:
asked them to fix the card. make it go though. or tell me why. they do nothing dont answer any questions

Company response to consumer: Closed with explanation