vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I opened a savings account ( XXXX ) with Citizens Bank ( XXXX ) entirely online more than three years ago and deposited over {$1000.00}. The sole purpose of this account was to save money long-term, exactly like the 5-year CD I also have with Citizens Bank that is locked away. Yesterday I received an email notification that Citizens Bank had deducted {$10.00} from the account, labeling it a dormant fee. I have not made any transactions because it is a savings account intended to hold funds untouched. I immediately tried to close the account and transfer the remaining funds online, but the system would not allow it. I then called customer service and clearly requested that the account be closed and my funds be returned to me. The representative told me I must physically go into a branch in person to close the account. This account was opened and funded 100 % online from my primary residence in Pennsylvania. I also maintain a home in North Carolina. Requiring me to visit a branch is extremely inconvenient and impractical I am not near a branch and will not be able to get to one any time soon. Meanwhile, the bank continues to deduct fees ( I understand {$10.00} per month based on their actions ) from an account that exists for the purpose of saving. I believe this practice is unfair and defeats the entire purpose of a savings account. Banks are required by law to turn over truly dormant funds to the state after the appropriate period under unclaimed property laws not to keep charging ongoing fees until the balance is completely depleted. I request immediate action because another fee withdrawal is imminent and I can not access a branch before it occurs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Block, Inc.
State: MS

Complaint narrative:
I bought an XXXX XXXX XXXX phone and someone has downloaded apps and cards also my bank used my account to wire transfer money to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, {$5800.00} was fraudulently withdrawn from my account and transferred to XXXX XXXX. I did not approve this transaction, nor did I gain any benefit from it. This issue is part of a larger pattern of fraudulent activity that began in late XXXX. In XX/XX/XXXX, Wells Fargo advised me to initiate a " loss/stolen transfer '' procedure after I reported unauthorized activity, especially to prevent future fraudulent transactions exceeding {$500.00}. Despite following these instructions, this fraudulent charge still occurred. Upon discovering the transaction, I promptly contacted Wells Fargo and filed a claim. I also contacted XXXX XXXX directly. XXXX XXXX verified that the money was not credited to any account linked to me, and stated Wells Fargo could confirm and retrieve the funds by reaching out to them directly. I have contacted XXXX XXXX twice with regards to this matter as recently as XX/XX/XXXX and they reiterated that the bank merely needs contact them to resolve the matter. Despite this, Wells Fargo denied my claim, stating that I failed to report the transaction within a XXXX period. This reasoning contradicts Regulation E, which requires financial institutions to investigate unauthorized transactions. Additionally, Wells Fargo has authorized a refund for another charge on this account, which was reported significantly after the so-called XXXX window.

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 2026-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
Fair Collections & Out XX/XX/year>, {$1600.00} reported a collection as open and past due. This is incorrect information being reported. The collection agency is reporting inaccurate data each month as if the debt is currently open. I have submitted debt validation documentation involving Fair Collection & Out.

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 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
On Friday, XX/XX/year>, my mobile payment account was abruptly closed by the company. The closure notice referenced suspected activity that allegedly violated its Terms of Service, but no specific transaction, date, amount, or detailed explanation was provided. Immediately on XX/XX/year>, I submitted an appeal through the companys in-app support process. In that appeal, I provided the requested explanation of how I use the account and supplied additional context regarding my account activity as instructed. Since submitting the appeal, the company has taken no follow-up action. I have received no acknowledgment that the appeal was received, no request for additional information, no status update, and no final decision. As of today, the company has failed to provide any timeline for review or any written explanation supporting the closure. My concern is not only the abrupt closure, but also the companys failure to provide a meaningful appeal process after requesting that I submit XXXX. I acted immediately and in good faith, yet the company has not responded in any way. I am requesting a full review of the closure decision, a written explanation of the specific basis for the restriction, and a prompt final determination on the appeal that was submitted on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: FL

Complaint narrative:
For over XXXX XXXX now I have not been able to access funds fronm XXXX XXXXThis is my retirement benefits for the govt. They are requesting a copy of my social security card.I have misplaced my soc sec card and unable to travel to apply for areplacement due to I can not walk properply.. I am XXXX XXXX XXXX now residing in my XXXX XXXX. I was never given any alternative options, even though I have sent a copy of my XXXX permanent residence card, my birth certificate and my XXXX form. This is my only source of income and I am have to rely on my family and am in debt because I can not access my retirement funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX XXXX XXXX I called chime to plead to them to release my funds that they are holding hostage. With multiple calls and tries before all have failed. I have now lost my home due to chime holding my money from me. Myself and my two kids are outside because of their unprofessional manner. I want my money back immediately plus some for the hardship I am now going through. I want this resolved no later than XX/XX/XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
We lived at fountains of melinia. There was alot of theft cars being broken into trash compactor problems and apartments work orders were not being done due to shortage of company employees. We had electrical issues. We asked the office if we could vacate and they stated we could we signed the paperwork and moved out XXXX XXXXgave the keys to the leasing office and moved to XXXX XXXX . They did not return the apartment and waited for XXXX months to return and it fell into an eviction status something they practice because my husband which was also working there as an employee was use to do for the company it was a way for them to collect back rent .in XXXX concord rents put me on collection for things we didn't even owe or have in the apartment and I got a discount for living there because my husband was employed thru them. XXXX rents sold this collection to a company called national credit and this company took over in XXXX with my collection account but every year they place a new date now it state this collection was placed in XXXX when we have been living in XXXX since XXXX this should have never been place on my credit they never provided an original lease with my signature I provided all information showing my order to vacate I have sent also to all credit beurus and they have tarnished my credit with this collect which has the wrong date and wrong amount for we do not owe anything to this apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX Date : [ Insert Date ] To : Nelnet Servicing , LLC Attn : Disputes Department / Legal Compliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Monthly Repayment Calculations under Income-Driven Repayment Plan ( IDR ) Request for Validation & Correction To Whom It May Concern, I am writing to formally dispute the accuracy of my monthly student loan repayment amounts calculated and administered by Nelnet Servicing , LLC under my Income-Driven Repayment ( IDR ) plan, as required by federal law. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Higher Education Act, and any applicable borrower protections outlined by the U.S. Department of Education. BASIS FOR DISPUTE I am enrolled in a federal IDR plan ( such as XXXX, XXXX, XXXX, or XXXX ), which sets my monthly student loan payments as a percentage of my discretionary income. However, I have reason to believe that Nelnet has miscalculated my monthly payment amount, resulting in amounts that exceed the limits set by federal guidelines, and placing an undue financial burden on me. These concerns mirror the claims made in the class action lawsuit XXXX XXXX Nelnet Servicing , LLC ( XXXX. XXXX, XXXX XXXX. XXXX ), which alleges that Nelnet grossly miscalculated repayment amounts under income-driven plans, violating federal law and borrower protections. WHAT I AM REQUESTING In accordance with FCRA 1681i and 1681s-2, I am requesting the following : A full recalculation of my monthly payment under the correct IDR formula, using my most recent adjusted gross income ( AGI ) and family size. An itemized explanation of how my current monthly amount was determined, including the formula, income data, and poverty guidelines used. A copy of my most recent recertification data, including IRS income retrieval records or tax documents you used. Confirmation that any overreported amounts have not been furnished inaccurately to consumer reporting agencies, or immediate correction if they have. A written update to reflect that this account is disputed by the consumer in all credit bureau reporting per Metro 2 compliance standards. RELEVANT LAWS & VIOLATIONS FCRA 1681e ( b ) : Requires maximum possible accuracy in credit reporting. FCRA 1681s-2 ( b ) : Requires furnishers to investigate disputes and correct inaccurate information. Higher Education Act & Department of Education IDR Guidance : Enforce specific rules around calculating borrower payments based on income and family size. CARES Act & IDR Flexibilities : If applicable, any misreporting during XXXX forbearance periods may also violate federal protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I am submitting this complaint regarding the handling of our mortgage modification application by XXXX XXXX. We have made multiple attempts to complete and return the required notarized document packages, but the process has been repeatedly delayed due to document mishandling and inconsistent information from the company. The first completed packet was rejected due to an incorrect date on XXXX page ( XXXX ). We corrected the issue and submitted a second packet, which we were later told was sent to the wrong office. A third set of documents was completed and returned. My portion was completed independently, while my mothers documents were completed through a notary service arranged by XXXX XXXX. Despite this, we were later informed that my mothers documents are missing, and the company has been unable to clearly account for their location or status. As a part of this pattern of confusion, we were initially instructed by a XXXX XXXX representative to contact a notary service ourselves due to multiple signers at different locations. When we reached out, the notary service stated they had no account for us. When we called XXXX XXXX back, the next representative seemed unaware of that instruction and then set up a notary appointment on their end. This conflicting guidance added confusion and delay. Throughout this process, we have repeatedly contacted XXXX XXXX to request updates, confirmation of received documents, and clarification on what is missing. However, we have received inconsistent responses and no clear explanation of where the breakdown is occurring. This ongoing mishandling of documents has caused repeated delays in our mortgage modification process. We are concerned that the company is unable to properly track and manage our file, including documents completed through their own notary service. We are requesting a full review of our file, confirmation of all documents received, clear identification of any truly missing items, and assignment of a consistent point of contact to prevent further delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank regarding their mishandling of a fraudulent charge dispute on my Chase business credit card. On XX/XX/year>, unauthorized fraudulent charges totaling {$360.00} were made on my Chase business credit card. The charges were made to XXXX and I did not make this charge, did not authorize it, and did not benefit from it. Upon discovering the fraud, I immediately changed my account password, which stopped the fraudulent activity. Chase initially reversed the charges while conducting its investigation, as required. However, Chase subsequently reinstated the charges against my account based solely on claims by the vendor that the charge was legitimate and that I had benefited from the payment. I was not provided with any specific evidence supporting the vendors ' claims, nor was I given a meaningful opportunity to rebut them. Chase then directed me to resolve the matter with the vendors myself, which is not my legal obligation under the Fair Credit Billing Act. I spoke to customer service agents for XXXX, then they refered my to the travel agency called XXXX. XXXX told me that I needed to speak to the hotel directly, so I called XXXX XXXX XXXX XXXX XXXX at XXXX and the manager their told me that they couldnt help me because they werent the ones who took my money. All of which is to say that I made good-faith attempts to contact the vendor directly to resolve the matter, but was sent in circles. Most recently, Chase debited my bank account for the disputed amount of {$360.00} without providing a satisfactory written resolution of my dispute or evidence that the charges were authorized. The specific fraudulent transaction is as follows : Charge : XX/XX/year>XXXX XXXX, {$360.00} I am requesting that the CFPB investigate Chase 's handling of this dispute, require Chase to provide the specific evidence used to rule against me, and compel Chase to return the debited funds to my account while the dispute is properly resolved in accordance with the Fair Credit Billing Act. I was not at any of the hotel locations on or around XX/XX/year>, and can provide documentation placing me in XXXX, XXXX at that time. I have received no written determination from Chase explaining the basis for their decision to reverse the reversal and debit my account. This dispute remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Tilt Finance, Inc.
State: NY

Complaint narrative:
Tilt Keeps taking out a fee for XXXX dollars out my account despite multiple times I told them to stop. I changed my card multiple times and they still get into my accounts. I called the bank and they changed my card but tilt still go in to charge me fees. I have never taken a loan out with tilt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
We have 4 joint accounts with Ally Bank. All accounts have been frozen due to fraud breach. Ally says they have to close our accounts. We call the fraud department every day for status on when they are going to send us our money from said closed accounts. Every day we are told the fraud department is still working on the issue. The total amount of money in these accounts is XXXX. This has been going on for almost 3 weeks. The service reps have not been helpful in getting this issue resolved. We need our money to live.

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 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
CashApp previously closed my account stating they found activities that violate their Terms of Service. When asked for proof of what was done to cause the closure, they have yet to provide any type of proof as there is none to provide. I have placed an appeal which was also denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I submitted a Borrower Defense application for my federal student loans and my case falls under the * * XXXX XXXX XXXX settlement. According to the settlement terms, the Department of Education was required to review and make a determination on my application by XX/XX/2026. That deadline has already passed, and I have not received any decision, notification, or explanation regarding my case. Because of this delay, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) requesting clarification and resolution. The CFPB forwarded my complaint to the company responsible for servicing my loans, but the company never responded to the complaint. As a borrower, I am requesting a clear explanation regarding the status of my Borrower Defense application and why the settlement deadline has passed without a determination. If the deadline established under the settlement has been missed, I am requesting that the terms of the settlement be honored, including any relief or discharge that applies when the Department of Education fails to make a timely decision. I respectfully request that the company provide a formal written response explaining the status of my application and the steps that will be taken to resolve this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a checking account on XX/XX/2026, via an official Chase promotional email for a {$400.00} bonus. I met the requirements by depositing {$1000.00} in government Tax Refunds ( IRS : {$530.00} on XX/XX/XXXX ; XXXX XXXX : {$480.00} on XX/XX/XXXX ). Chases own promotional email and website explicitly state : 'Qualifying electronic deposits include payments from your employer or government entities ( benefits, tax refunds, etc. ), made using the ACH network ... ' Despite meeting these terms, the bonus was never paid. Since XX/XX/XXXX, I contacted Chase multiple times, and staff consistently provided false information, claiming Tax Refunds did not qualify. On XX/XX/XXXX, after receiving no response or deposit, I physically visited the XXXX XXXX branch. Staff refused to help, claiming it could only be solved by phone. Standing at the bank 's entrance, I called the phone line again. The representative initially refused to provide a claim number, telling me to just 'wait. ' Only after my repeated insistence did she finally create Case XXXX. Later that day, a representative named XXXX called to officially deny the bonus, repeating the false claim that Tax Refunds do not qualify. Only after I read Chase 's own website terms to him via an official interpreter did he admit the error and ask for evidence. I uploaded all screenshots of their terms and my deposits via Secure Message on XX/XX/XXXX. As of XX/XX/XXXX, I have no resolution. I am requesting my {$400.00} bonus plus a minimum of {$400.00} or more in additional compensation for the systematic misinformation, the physical trip to the branch, and the persistent bad faith shown by the bank. I expect a fair resolution that compensates for the time wasted and the deceptive information provided by Chase.

Company response to consumer: Closed with explanation