vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 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: Early Warning Services, LLC
State: NY

Complaint narrative:
On Monday XX/XX/XXXX, I was contacted by an individual posing as a XXXX XXXX representative via phone. The caller used urgency and security related language and instructed me to take immediate action to protect my account from fraudulent activity. Believing I was speaking with XXXX XXXX, I followed their instructions and approved the transactions. I now understand that this was a scam, and the funds were sent through Zelle to a fraudulent recipient. This transaction was not a legitimate authorized payment. My authorization was obtained under false pretenses by an individual impersonating my bank. At no point did I intend to send the money to this recipient. I reported the incident promptly to XXXX XXXX. However, my claim has been denied under the basis that the transaction was " authorized ''. I dispute this determination. This situation constitutes fraud and should be treated as an unauthorized electronic transfer under the Electronic Fund Transfer Act ( Regulation E ). My consent was invalid due to deception and impersonation. I am requesting : a full reimbursement of the fraudulent transaction a detailed account of Zelle 's investigations and determination clarification of what safeguards failed to detect this impersonation 's fraud This involved clear bank impersonation, and I acted in good faith to secure my account based on instructions I believed were coming from the bank. I am requesting this case be reviewed as fraud and be considered for reimbursement in the amount of {$970.00}. I can be reached at XXXX or via email at XXXX for further clarification and details. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: WI

Complaint narrative:
My auto loan with Westlake Financial was fully paid off on XX/XX/year>. Under applicable law, the lienholder is required to release the lien within XXXX days. As of today, more than XXXX days later, the lien has not been released. Westlake Financial has stated that they submitted an electronic lien release on XX/XX/year>. However, the Wisconsin DMV has confirmed that no lien release has been received and that Westlake Financial is still listed as the active lienholder. I have contacted Westlake multiple times and have not received clear answers or proof that the lien release was properly submitted. This delay is preventing me from receiving my vehicle title and completing ownership documentation. I am requesting that Westlake Financial immediately complete and confirm the lien release, provide proof of submission, and ensure the title is issued without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, at XXXX XXXX, I fell victim to an impersonation scam where individuals spoofed Chase Banks official security department phone number to contact me. The scammers claimed they needed to 'protect ' my account from unauthorized activity and induced me into sending funds via XXXX to accounts they controlled. I immediately reported this to Chase ( Claim # XXXX ), but on XX/XX/XXXX, I received a letter stating they would not reimburse me because the transactions were 'authorized '. I contend that this authorization was obtained through fraudulent means by criminals impersonating the bank itself. I have already filed official reports with the XXXX Police Department, the FBI ( IC3 ), and the FTC. Despite these reports, Chase has closed the investigation without providing a solution. I am seeking a full reimbursement of the lost funds, as the bank 's security protocols failed to prevent scammers from successfully spoofing their identity to manipulate a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
I applied for the Robinhood XXXX XXXX because it was heavily marketed and explicitly advertised as having " No Annual Fee. '' However, after my application was processed, I discovered that I was forced into a mandatory {$50.00} annual " Robinhood XXXX '' membership subscription. Customer support explicitly confirmed in writing that maintaining this {$50.00} subscription is a mandatory requirement to keep the credit card open. This is a textbook bait-and-switch and deceptive marketing practice. Robinhood prominently displays " No annual fee '' to lure consumers, while burying the mandatory subscription requirement in fine print footnotes. Crucially, as shown in my attached screenshots, even the fine print ( Footnote 2 ) fails to disclose the actual {$50.00} cost of this mandatory subscription, which is a blatant failure to disclose material financial terms. Disguising a mandatory cost of credit as a separate " subscription '' while hiding the specific price violates the " clear and conspicuous '' disclosure requirements under UDAAP guidelines and the FTC Act. When I filed a complaint and asked to cancel this deceptive fee, Robinhood support refused to refund it. Furthermore, they stated that the only way to cancel the membership is to close my credit card account entirely. By tying the cancellation of a deceptive subscription to the forced closure of a credit linea process that inherently damages a consumer 's credit profilethey are effectively coercing me to keep paying this hidden fee. The card is issued by XXXX XXXX XXXX. Both Robinhood and the issuing bank are responsible for this misleading marketing and coercive customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I noticed on my credit report I had a collection account so I contacted the agency ( Waypoint Resource Group ). I told them I never received anything regarding this debt and said I wanted to dispute it. They then told me they can assist me in disputing it if I paid {$270.00}. They said they were multiple inaccuracies on the account. I told them I was not paying and disputed it on my own with results just being it was validated. I still have not received anything to verify the debt which in bogus because XXXX was charging me on a cancelled account for XXXX months when I already started new service at a new address. I also provided statements showing I was being charged at both addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
Recovery of scammed funds from crypto.com were to be returned to my chime account. Several attempts have been made during XXXX and XXXX each costing an escalating fee. Incorrect information provided about the process to recover XXXX funds caused further delay and additional costs!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — FHA 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: LoanCare, LLC
State: TX

Complaint narrative:
LoanCares actions violate : Please see attached RESPA ( 12 CFR 1024.41 ) Dual tracking, failure in loss mitigation handling RESPA ( 12 CFR 1024.35 / 1024.36 ) Failure to correct errors FCRA ( 15 U.S.C. 1681s-2 ) Inaccurate credit reporting FDCPA ( 15 U.S.C. 1692 ) Misrepresentation of debt status UDAAP ( Dodd-Frank Act ) Unfair, deceptive, and abusive practices

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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
My XXXX XXXX XXXX account was closed with no further investigation due to my account debt card being misplaced and used without my consent at the time of my contacting the bank about the unauthorized use of my debt card. Now I am being asked to to pay a overdraft fee and being said to pay a balance of {$120.00} that I wish not to pay on the simple fact of my account being overdrafted due to unauthorized acts toward my account which have filed police reports and also filed with federal trade commission I wish not to pay this balance and is still own by the bank {$2800.00} dollar in total.

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 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERIS BANCORP
State: GA

Complaint narrative:
Deposited check for {$7500.00} mobile. Received an email stating that they would hold all funds a full 7 days. I contacted the bank to try to get some funds released so my account does not negative and federal law states {$220.00} can be available the next day but I was denied a release. I have been a customer for over 15 years and my account stays in good standing. I just want part of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This complaint is regarding a XXXX XXXX credit card account with Synchrony Bank. On XX/XX/year> a {$1000.00} charge was made to our account for an XXXX XXXX XXXX We immediately called and reported this as a fraudulent charge. The charge was reversed on XX/XX/year>. On XX/XX/year> the charge re-appeared on our account. We subsequently received a letter in the mail from the Synchrony Fraud Solutions Team, that they determined the charge was " authorized. '' Since that time we have sent several letters and spoke with Fraud Team representatives numerous times to plead our case that we did not order, receive or use this gift card, but they continue to claim the charge was authorized. We requested any information in support of their decision. Mainly their support is " we see the disputed transaction matches the customer 's prior transaction history. '' We have requested more detailed on the " transaction history '' but they have refused to provide any additional detail. In addition, we have requested to see any type of initial order that we allegedly placed, which they also have not provided. We continue to point out that gift cards are common form of fraudulent charges. The source of this particular gift card as XXXX, Minnesota which has a reputation for fraudulent activities. The Fraud Solutions Teams evidence also shows the order came from our computer. We can not dispute that but can only assume our computer was hacked somehow. We have explained that we are middle class, law abiding citizens with absolutely no history of any wrong doing. Finally, most frustratingly, we have requested on numerous occasions to speak to one of the upper level decision makers either on the phone or in person, and have been refused every time. We appreciate whatever help you can provide. At this point we don't know what else to do. Sincerely, XXXX and 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 2026-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On Tuesday the XXXX of XXXX, USAA illegally put a hold on my Social Security retirement funds by accepting a wrongful automated order from the California State Franchise Tax Board to freeze my accounts. That order was in error and has since been corrected. The errors that occurred after that order was sent was not the California Franchise Tax Boards fault but was the fault of USAA. As its the banks responsibility to protect these funds. USAA attempted to protect some of the funds but was in error as all the funds were protected by law as the only deposits into the account wa from the Social Security Administration. A senior agent and his supervisor with combined experience of over 40 years was appalled at the total lack of understanding the bank has in regards to the laws and guidelines regarding Social Security protected funds and what the banks duties and responsibilities are as mandated by Federal Law. USAA has completely failed at these federally mandated laws and responsibilities. The senior agent I worked with was shocked and in 18 years of service to the State of California Franchise Tax Board has never seen a bank so completely fail at their duty to protect a clients Social Security funds. He has since, after being contacted by me, functioned as my advocate in having my funds returned. Both agents immediately realized that USAA was in error and tried to call bank personnel and soon realized that USAA had no one they could resolve this issue by phone and initiated a legal order to return the funds. The Membrr Advocate extension is non-working and customer service has no knowledge of who the customer advocate is. This across several calls and employees answering the phones at USAA. Its a shame and very telling when a states tax agency has to advocate for a banks client against the clents own bank in a matter of tax collection. To date I have not received a return of my funds from USAA despite a legal order but do still receive bank non cooperation and still lack a point of contact.

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 2026-04-28 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: Bilt Technologies, Inc.
State: TX

Complaint narrative:
I had the Bilt XXXX card. In XXXX, they transitioned to a different bank to the XXXX changing some of the features of the card. Apparently, you can still pay rent on the card, but now it pulls from your checking account instead. It has been a very confusing process and Bilt has changed its features numerous times with the new cards. And since they keep changing, I was unaware that this would pull from my checking account, thus overdrawing my account for XXXX rent. I turned off this feature to prevent this issue happening, and XXXX rent had the same issue, where it pulled out of my checking account and overdrew it. I have tried to contact Bilt numerous times to get this fixed, but it has been exhausting to say the least as there really isnt a way to speak with a live person. It has to be done through AI chat or email for support. Because of these issues, I had to pay my rent through my leasing complex portal to avoid any late issues. For XXXX I had Bilt cancel the charge coming from my checking account since I paid through the portal and there was an additional payment pulled as well. I have tried to escalate this issue, but have had a hard time getting a straight answer as Bilt is now sending me emails that I still owe when my leasing office and checking account are showing that Ive overpaid rent. Bilt has now sent threatening email saying that I need to pay again or my account will be frozen. It has now since been frozen and I cant get a person from Bilt to help me with this exhausting issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Possible Fraud by Wells Fargo Accepting an unsigned form 8878 and possibly using that form to pay additional tax by someone using my social security number, engaging in identity theft. Please see the attached written document for details. Please contact me at both XXXX and 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 2026-04-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
We have had a HELOC with Chase since XXXX. We have always made consistent on time payments. In XXXX in XXXX we missed a payment due to fraud in our banking account. I notified Chase in XXXX and we made payments and even made two payments a month until XXXX of XXXX to get caught up. Chase put a lock on our HELOC. Two weeks ago I asked why and if we could get it removed. All they said it was because we missed a payment in XX/XX/XXXX. I told them again why. And they wanted me to prove it. I said that our other utilities and expenses didn't ask for proof including our mortgage with XXXX XXXX. And in 7 years we have only missed one payment. I was also never properly notified of a freeze or lock put on our HELOC. I was told they would XXXX from Escalations would look into it on XX/XX/XXXX and I have not heard anything more and they refuse to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
paid off my Chase credit card balance. On XX/XX/XXXX I tried to pay my balance through the Chase app and it would not allow me to, so I went through my checking account and paid the balance through bill pay. The next day I noticed that they took out double the amount the one for bill pay, and the one through the Chase app. On XX/XX/XXXX, I spoke with a customer service rep. I believe her name was XXXX and she told me that the payment would be reversed in 1-3 days. On XX/XX/XXXX, I called again and spoke with another service rep who transferred me to a supervisor I believe his name was XXXX. XXXX told me that the payment would be back to my checking account and 1-7 business days I asked if I would get an email or some kind of paperwork saying that this transaction would be done and I was told that I would get a letter in the mail. Today which is XX/XX/XXXX. I called back and spoke with another service rep named XXXX, XXXX informed me that I needed to fill out an online form and that she would email it to me and it should come and 1 to two business days. I then asked to speak to a supervisor again because now I am getting a runaround and all these people are telling me different things. The amount of money is {$19000.00} and I explained to them that it is causing my checking account to occur withdrawal fees and it is not allowing me to pay my other bills and I need my money sent back to me. XXXX then transferred me to a manager or supervisor by the name of XXXX. The supervisor informed me that the form will now take two business days to be emailed to me and once it comes, it will take up to another week or two in order to receive my money. I asked it it could be expedited and she said no. I am getting the runaround and no one is giving me direct answers. I dont have {$20000.00} just sitting in my account and it is causing me hardships and they are not taking it seriously. They took the money out in 1 day and it has been six business days already and they are still giving me the run around. I have yet to receive any email or written correspondence with them. Chase needs to train there employees and have faster turnaround after everything is verified.

Company response to consumer: Closed with non-monetary relief