vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I was the victim of sextortion. I was threatened that a private intimate video of me would be released publicly if I did not send money. Due to fear and coercion, I sent {$1200.00} from my Chase checking account using XXXX XXXX as the payment service. 

As soon as I realized I was being extorted, I contacted Chase to report the incident and disputed the transaction. I also filed a police report and provided evidence of the threats. Chase initially issued a provisional credit while they investigated.

After the investigation, Chase reversed the provisional credit, stating that the transaction was authorized. However, this payment was made under extortion, coercion, and duress, not willingly. I requested an explanation of the investigation and asked Chase to reconsider the circumstances or offer a payment arrangement due to financial hardship, but I did not receive a clear or fair resolution. 

Returning the full amount at once would cause significant financial hardship, as I support my family. I believe Chase did not properly consider the circumstances of extortion and coercion when handling my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
I purchased my ticket directly from JetBlue, even though the flight was operated by their partner, XXXX XXXX. XXXX XXXX cancelled my flight, and I did not take the flight. At the airport, XXXX XXXX boarding agent did not allow me to board because I was told I had not paid a pet fee. However, I did not have a pet with me. 

Despite my explanation, I was denied boarding. I refused to leave the gate area because I believed the situation was a misunderstanding. As a result, the XXXX XXXX agent called the police. The police arrived, instructed me to leave, and explained that I could not take the flight because the XXXX agent had already cancelled it. 

Since the flight was canceled and I did not travel, I am requesting that JetBlue and their partner XXXX XXXX issue my refund immediately. If I do not receive my refund, I will submit a formal complaint to the XXXX. 

I was treated unfairly and discriminatory, as I was asked where XXXX from originally ( Im originally from XXXX ) and was chargedor expected to payfor a pet fee when I was not traveling with a pet.

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 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: FL

Complaint narrative:
XXXX XXXXXXXX associates never contacted me about a debt that I supposedly owed but I was sued for this debt in a panic I made payments to the law firm then I said to the law firm that they never contacted me so I can validate only to receive a summons it's after that the law firm requested a debt validation letter from them for me and it's not clear to me im confused because I don't understand how these things work

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
I was injured at work and made multiple attempts to get loan assistance from American Credit Acceptance so that I would not behind on payments, to no avail from the company. I did get behind and talked to a representative on XX/XX/XXXX and the XXXXXXXX XXXX after my vehicle was repossessed XXXX XXXX. The first representative said I would have to pay XXXX to recover my vehicle, when I called back on the XXXX of XXXX the second representative stated to me since I had an upcoming payment due on XX/XX/XXXX I would have to pay that as well to bring my account current and recover my vehicle bringing the amount to {$1400.00}. I reinstated my auto loan after repossession by paying the {$1400.00}, which included all past-due and current payments required to bring the account fully current. I was not granted any payment deferment for XXXX or XXXX. 

After regaining possession of my vehicle, American Credit Acceptance is now stating that my account reflects deferred payments for XXXX and XXXX, which is not accurate and was never agreed to or disclosed. I was required to pay all payments current in order to retrieve my vehicle. 

This appears to be a misrepresentation and incorrect documentation of my payment history, which unfairly accelerates my next due date and mischaracterizes payments I already made. 

I am requesting : 1. Correction of my account records to accurately reflect that XXXX and XXXX payments were paid, not deferred 2. A billing adjustment or credit if payments were improperly applied 3. Written confirmation of the corrected payment history and next accurate due date I am disputing the lenders claim of deferred payments, as I paid all required amounts to reinstate the loan and was never offered or approved for a deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
after robinhood terminated my account i still have around XXXX dollar in the account. this part of money is my interest of stocking trading in robinhood but robinhood didn't give me back. i have tried to contact them and they didn't do anything about it after that. i need them contact me as soon as possible. i have already fill the refund form and sent the email to them but they didn't reply at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
CFPB REBUTTAL & CORRECTION STATEMENT CFPB Case No. : 25 Consumer : This submission is a formal rebuttal and correction to Santander Consumer USA Inc.s XX/XX/XXXX response. 

Correction of Santanders Statement Santanders response incorrectly characterizes this matter as a standard contract dispute and states that no relevant litigation or settlement exists. That statement is inaccurate. 

Relevant Settlement Santander Consumer USA Inc. and I entered into a Confidential Settlement Agreement and General Release on XX/XX/XXXX, resolving AAA Case No. XXXX. Section 9 of that Agreement restricts me from knowingly applying for credit with Santander. 

XXXX Transaction Facts XX/XX/XXXX dealership transaction in XXXX, California Santanders role as lender or assignee was not disclosed at signing I did not knowingly apply for Santander credit Upon receiving the first Santander billing statement, I attempted rescission within one day Santander refused rescission and later repossessed the vehicle The vehicle was not used after repudiation and was available for return Issue Presented The issue is not payment terms or contract performance. 
The issue is whether Santander may enforce or report an obligation arising from a transaction to which the consumer did not knowingly consent and promptly repudiated upon discovery, in light of a prior settlement restricting future dealings. 

Requested CFPB Action I respectfully request that the CFPB : Require Santander to address the XXXX settlement and lack of knowing consent Require correction of internal records Require cessation of collection and credit reporting activity related to this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
money was sent to my landlord via XXXX  in XXXX the XXXX i believe for a security deposit in the amount of XXXX dollars using my moms credit card XXXX XXXX. My mother accidently submited that to fraud to her bank thinking it was supposed to be XXXX XXXX. i then told her no mom it was XXXX. so she then contacted XXXX XXXX and told them to cancel the claim and close as it was a mistake to open that claim. The bank then cancled the claim and released funds again on XX/XX/XXXX back to XXXX the landlord. then the same day XXXX third XXXX  took that money back again and has had it ever sence. we have sent over documents from XXXX XXXX  prooving that they have closed that claim months ago but they still will not release funds back into my account. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: Harpeth Financial Services, LLC
State: TX

Complaint narrative:
I've made aggressive payments in the amount of roughly {$3200.00} over the past two months to bring my account current. Despite bringing my account current and under the credit limit line, I have no credit available. According to the representative, I have no credit available because I've revoked ACH Authorization. The only way to access my credit is by visiting a store in person ... which is in a different state than I reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Fidem Baltimore Holdings LLC
State: NY

Complaint narrative:
I sent a payoff check to the address on the payment coupon in an envelope other than one provided with the statement on XX/XX/XXXX. I verified with my bank XX/XX/XXXX that the check was negotiated XX/XX/XXXX and to date the credit is not reflected in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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:
On XXXX XXXX XXXX, I went to a Wells Fargo branch located at XXXX XXXX XXXX XXXX XXXX XXXX to withdraw a large amount of cash that I personally deposited. 

The teller verified my identity using my bank card and government ID. The staff then counted the cash and brought it to the counter and was in the process of handing it to me. 

At that point, the teller abruptly reversed the transaction and refused to release my funds, stating that they did not feel safe and referenced general fraud concerns, despite the fact that my identity and ownership of the funds were fully verified. 

I requested immediate release of my deposited funds and asked for a documented explanation and an alternative release option such as a scheduled withdrawal, cashiers check, or wire transfer. None of those were provided. 

The branch then closed without resolving the issue. I had imminent travel plans, and this improper denial of access to my own funds caused urgent financial harm and distress. 

I am requesting immediate release of my funds and a formal review of this incident.

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 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
To whom it may concern, Twice, I have successfully disputed an XXXX XXXX XXXX collection account. Radius Global Solutions, LLC is the third attempt by XXXX XXXX XXXX to collect a {$160.00} debt that I do not owe. I was shocked this collection account reappeared a third time. XXXX  has instructed me to contact the FCC so they may intervene on my behalf. It was also proposed I contact XXXX XXXX XXXX directly, but I don't see any reason to do so. I had acknowledged to XXXX XXXX XXXX that I was no longer interested in their cellphone service, but their sales representative failed to terminate our agreement after my final payment and kept me active for an additional month. Why? I owe XXXX XXXX XXXX  nothing at all. I am hopeful this account can be resolved so that it may never return from the dead again. Finally, XXXXXXXX XXXX  XXXX must be prevented from re-selling my information to collection agencies. I apologize for any inconvenience. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: HI

Complaint narrative:
Subject / Trigger : Inaccurate Reporting of XXXX XXXX Payment by LoanDepot Complaint / Statement : LoanDepot prematurely and inaccurately reported my XXXX XXXX payment as late, despite evidence of autopay activation and good-faith payment.

I am disputing an inaccurate late payment reported by LoanDepot for XXXX XXXX XXXX XXXX XXXX XXXX, I made the third consecutive manual payment, which cleared my XXXX XXXX XXXX account on XXXX XXXX XXXX confirmed by enclosed XXXX  statement. According to LoanDepots contract, autopay activates after the third manual payment, and their website showed autopay active for XXXX when the XXXX payment was manually entered, so I reasonably expected the XXXX payment to process automatically. LoanDepots internal report contradicts the XXXX XXXX XXXX documentation, proving that LoanDepot prematurely reported the XXXX payment as inaccurately late. Upon discovering the missed autopay, I immediately made a double payment to cover the inaccurately reported late payment, which was not applied until XX/XX/XXXX due to LoanDepots processing delay. Despite this, LoanDepot reported the XXXX payment as late within two weeks, causing my XXXX credit score to drop. This reporting was therefore premature, factually inaccurate, and entirely the result of LoanDepots system error, not my actions. 

Attachments : XXXX XX/XX/XXXX payment cleared XX/XX/XXXX XXXX LoanDepot report showing no XXXX payment processed XXXX Double payment applied XX/XX/XXXX XXXX Screenshot showing autopay active for XXXX after XXXX XXXX XXXX Emails/ letters confirming system delay

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XXXX closed my account while it still had an available balance of approximately {$3000.00}. I did not have a bank account linked at the time of closure. For multiple years, XXXX has repeatedly stated my case was escalated and that I would receive an email within 35 days, but no email or resolution has ever occurred. Other than once when they stated they did not have my ID on file but I uploaded my ID at least 5-10 times and emailed them my ID several Times as well but XXXX/Paypal has failed to release my funds, provide a payout option, or confirm whether the funds were transferred to unclaimed property. I am requesting immediate release of my balance or written confirmation of the disposition of my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
hold a credit card account branded as XXXX and serviced by Wells Fargo. 

On XXXX XXXX XXXX  I contacted Wells Fargo proactively to request short-term hardship assistance due to a temporary financial disruption. I specifically asked whether any temporary payment deferral, administrative hold, or short-term accommodation was available to avoid unnecessary credit harm while I worked to stabilize the situation. 

I was informed by Wells Fargo representatives that no short-term hardship options exist for this account. I was told that the only assistance available requires enrolling in a long-term hardship program that would close the card, or voluntarily shutting down the account. 

No individualized review of my circumstances was offered, and no temporary or alternative options were presented despite my proactive outreach and good-faith request. 

I am concerned that limiting hardship assistance exclusively to account closure, while refusing any temporary accommodation, creates avoidable credit harm and does not reflect fair or reasonable servicing practices. 

I am not disputing the debt and am seeking a review of whether my account was appropriately evaluated for short-term hardship assistance consistent with fair consumer treatment.

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 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI

Complaint narrative:
I am filing a complaint regarding an unresolved mortgage escrow servicing failure by Citizens Bank - parcel XXXX taxes was paid on XX/XX/XXXX already posted publicly on taxes records of city of XXXX XXXX XXXX 

For the past five ( 5 ) years, I have paid my XXXX of XXXX XXXX property taxes directly from my personal account. Each of those years, Citizens Bank issued my escrow refund payable only to me and my husband, allowing me to deposit the funds without issue. 

In XX/XX/XXXX, Citizens Bank issued an escrow refund check ( # XXXX ) payable to XXXX  of XXXX XXXX XXXX  and [ my name ], despite the fact that the property taxes were already paid and no payment to the municipality was required. This change from established servicing practice was not explained or disclosed. 

Because a municipality is named on the check, the funds are not negotiable and can not be deposited into my personal account. 

I first contacted Citizens Bank on XX/XX/XXXX to report that the check could not be deposited. I was told a claim would be opened and that resolution would take 10 days, later stated as expedited to 5 days. I contacted Citizens Bank again on XX/XX/XXXX, XX/XX/XXXX, and again today. 

Each time I called, I was required to re-explain the issue from the beginning, despite being told a claim already existed. No clear explanation, justification, or timeline has been provided, and no corrected check has been issued. 

As of today : The escrow refund remains inaccessible My escrow account still reflects a negative balance of {$8100.00} Citizens Bank has not reissued the check Since requested on XX/XX/XXXX and didnt provide a timeline The servicing failure has caused ongoing financial and administrative harm This is not a borrower error. Citizens Bank changed its handling of my escrow refund without notice, failed to resolve the issue once reported, and has not provided consistent or reasonable servicing. 
I am requesting that Citizens Bank : 1. Void the original check ( # XXXX ) 2. Reissue the escrow refund payable only to me and my husband

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I had loss income and XXXX co-payment due to XXXX XXXX. I reached out to Freedom Mortgage to ask for a short term XXXX forbearance. They gave me a type of approval with no documentation, promised approval letter with dates, etc. never came. Nonetheless, about 4 months later I called to schedule resuming payment and discussed making up the arrear as it was explained to me when I was applying. Agents were evasive, and told me I had to off all 4 moths arrear at once or risk foreclosure. Supervisor ultimately took application to extend forbearance while I make up for arrear, I requested 3 to 4 months, made a {$4000.00} payment on a {$13000.00} arrear, planning another {$5000.00} within 30 days, plus either sure the arrear within XXXX to 60 days. Instead of extension, Freedom Mortgage sent me an approval letter, and proceeded to modify my loan before I even received the letter, such that i am unable to make a regular payment, except to pay towards their approved plan. The approved plan, which I never accepted modifies my 30 year fixed mortgage rate from XXXX percent to XXXX percent, more than doubling the rate. 
If I would otherwise qualify for a relief, for XXXX  reason, but the mortgage company wait when i am at the lowest, XXXX  XXXX, to try to double my interest rate, just for a few months extension on my mortgage, this is a flagrant abuse which should be penalized to the extent allowed. I've asked their agent to cancel the plan, which I never approved, still, my only option is to make payment towards the plans they say I qualified for. Also, she essential told me that if I don't accept these terms, I should be prepared to lose my house because they will begin foreclosure once I refuse their proposed solution. They removed my payment history, I can't even see the {$4000.00} I paid less than 30 days ago, and I am not able to make regular payments.

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 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I get repeated calls from Synchrony Bank about a Verizon Visa Card belonging to someone I don't know. I have been receiving automated calls from them daily for the past couple weeks and this has happened multiples times in the past. I've tried calling them and explaining that they're calling the wrong person, but they say they're unable to update the phone number on an account that belongs to someone else. I'm hesitant to block this number as I am a Synchrony Bank customer, I simply don't have a Verizon Visa card from them.

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