vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
* * Complaint Against : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Failure to Deliver Federal Tax Refund / Unverified Deposit and Unfulfilled Paid Service * * I am filing this complaint regarding my XXXX federal tax refund, which XXXX claims was deposited into my bank account on XX/XX/XXXX. I have contacted my bank ( Chase ) multiple times and provided them with all ACH trace numbers and transaction details given to me. Chase has confirmed that there is * * no record of any deposit * *, and the trace numbers provided do not correspond to any transaction within their system. Despite this, XXXX representatives continue to state that the funds were successfully deposited, but they have failed to provide any verifiable proof that the receiving bank accepted or completed the transaction. At this time : * There is * * no deposit in my account * * * The provided trace numbers are * * invalid or untraceable * * * The company can not confirm that the transaction was successfully completed * No resolution or reissuance of funds has been offered Additionally, I paid fees for XXXX XXXX, including an option intended to provide * * early access to my refund ( 5 days early ) * *. Not only have I * * not received my refund at all * *, but the service I paid for was clearly not fulfilled. This creates a serious financial issue, as my refund has effectively gone missing with no accountability from the company responsible for facilitating the transaction. I am requesting the following : 1. Immediate verification of whether the deposit was successfully completed and accepted by the receiving bank 2. If the deposit can not be verified, immediate reissuance of my full federal tax refund 3. A clear resolution timeline 4. A full refund of all fees paid, including any charges associated with early access to my refund, as the service was not delivered I have made multiple attempts to resolve this directly with XXXX, including escalation to their Office of the President, but have only received repeated statements without proof or resolution. If the company can not verify successful delivery of funds, then the refund has not been properly disbursed and must be reissued immediately. I am seeking a prompt resolution to recover my funds. * * Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase Bank * * Date of Alleged Deposit : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Regarding a XXXX XXXXXXXX CD, I called Synchrony on XX/XX/year> to advise that instead of auto renewal I wanted my XXXX CD to be deposited to XXXX XXXX acct instead of auto renewal. I was told it would be deposited " within XXXX to XXXX days. '' I stated it should be deposited the same day. She repeated, so I said I wanted it paid to my local bank acct from which the original funds came. She replied it would be sent " in XXXX days. '' I again asserted it is my money on the maturity date so should be sent then. She repeated her prior statement. I realize the online delivery time is beyond their control, but SENDING it is not! At a local bank I can access funds on the maturity, and should be able to do the same with an online acct. She refused. As long as they have adequate notice they have no basis for not returning funds on the maturity date - or the same day with a savings account.

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 2026-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CA

Complaint narrative:
I am filing this complaint regarding XXXX private student loans currently serviced by MOHELA ( transferred from XXXX in XX/XX/XXXX ). These are XXXX XXXX XXXX Student Loans originated between XXXX to attend The XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Between XXXX and XX/XX/XXXX, the U.S. Department of Education XXXX all XXXX of my federal student loans totaling {$76000.00} in XX/XX/XXXX relief ( approximately {$86000.00} including refunds ) under XXXX XXXX to Repayment, as part of the Art Institutes group discharge. The DOE found that The XXXX XXXXXX/XX/XXXX XX/XX/XXXX engaged in 'pervasive and widespread substantial misrepresentations ' regarding employment outcomes, salary figures, and career services. I submitted XXXX School MisconductXX/XX/XXXX Applications for my private loans to XXXX. Both were denied. The XXXX vXX/XX/XXXX class action ( settled XX/XX/XXXX ) has since confirmed that XXXX was improperly denying these applications at a near-universal rate. Congressional investigation documented an 80 % denial rate. My loans have transferred to MOHELA. I am filing a new XXXX XXXX XXXX Application. I note that the CFPBs XX/XX/XXXX XXXX XXXX Supervisory Highlights directed private loan servicers to give 'due deference to findings of the U.S. Department of Education ' regarding school misconduct. I request the CFPBs assistance in ensuring MOHELA processes my application in accordance with these directives. The same fraud that the federal government has formally adjudicated entitles me to discharge of these private loans under the FTC XXXX XXXX ( XXXXXX/XX/XXXXXXXX ). XXXX, XX/XX/XXXXXX/XX/XXXXXXXX XXXX, paid {$95.00} million in a DOJ False Claims Act settlement and the schools fraud is established legal fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
In or around XXXX 2024, I entered into a finance for cabinet and garage trim project. I have been making payments of approximately {$210.00} per month and still owe over {$13000.00}. The contractor did not complete the work properly. Cabinet doors are falling apart, materials are changing form, and kitchen drawer was removed and never replaced. The work is defective and incomplete, the same issue with the garage trim. The work is defective and incomplete. I contacted the contractor to correct the issues, but they responded by stating this was related to upgrades. I explained that I never equested any upgrades and thatmy concern is about that my concern is about the original ork not being completed properly. I filed a dispute with Aqua Finance. They ststed that their investigation found no issue and closed my case, incorrectly treating this as anupgrade issue. I requested details about their investigation, including copies of any documentation or proof used to reach their decision. I was told that proof existed, but it was not provided to me. I am requesting a fair investigation, full documentation of their findings, and a resolution regarding the defective and incomplete work. I also request that any collection or credit reporting activity be paused while this matter in undermatter is under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Subject : Debt Validation Request Under FDCPA To Whom It May Concern, I am requesting validation of the alleged debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act, please provide the following : - Proof that I agreed to this debt ( original signed contract ) - Full chain of title showing your legal ownership of the debt - Complete payment history from the original creditor - Documentation showing the amount claimed is accurate - Proof you are authorized to collect in my state Additionally, this account appears to have been previously owned by another creditor and may be inaccurately reported across multiple credit bureaus. Until you provide proper validation, you must cease collection activity and reporting. Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau and other regulatory agencies. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
XXXX'I sent XXXX via XXXX on XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX smartphone purchased on XXXXXXXX XXXX (account name "XXXX XXXX). The seller promised shipment "by next Tuesday" (XXXX XXXX) but never shipped. I followed up threatening to report them and asked for a refund if they don\'t ship within XXXX XXXX They provided a XXXX tracking number (XXXX) on XXXX XXXX. The label is real and addressed correctly to me, but the status has been stuck at \'Pre-Shipment: Shipping Label Created, XXXX Awaiting Item\' (XXXX XXXX XXXX XXXX XXXX XXXX XXXX) for XXXX days with no acceptance scan or movement whatsoever. Legitimate packages update within XXXX XXXX after drop-off.\nAdditional clear evidence of fraud: The seller created a new XXXX listing within XXXX XXXX (using the XXXX XXXX account) with pictures that are close to the item they "sold" to me, then deleted the listing within XXXX XXXX of creation, and immediately relisted the identical item from a different (sketchy/new) XXXX account (nameed "XXXX XXXX"), initially for XXXX but later decreased to XXXX (for a quick sale). They also posted the exact same original photos on a new active XXXX listing and listed it for XXXX. I have reported both XXXX accounts and the XXXX listing.\nI spoke today with a representative in my banks disputes settlement department. They verbally denied my claim, stating that \'non-receipt of goods comes under Regulation XXXX which they cant cover.\' I have not yet received anything in writing. I have also contacted XXXX customer service and they have initiated a case XXXX). I am requesting full reimbursement of the XXXX under my banks voluntary fraud and scam reimbursement policies (and XXXX network guidelines) for this documented non-delivery XXXX scam. All evidence is attached.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: OR

Complaint narrative:
I have been having trouble catching up on my car payments and I have tried repeatedly to ask for an extention or a new payment arrangement. I am disable veteran and i need my car to be able to go to doctors appointments, and it is also my source of income, as i do XXXX XXXX and XXXX. it seems like they set me up for failure and has no interest in working with me. The last time that I had my car taken I had to be put on XXXX XXXX meds that I am still taking. they should do more to work with customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I requested for them to remove the XXXX off my account. I did this by writing a letter and mailing out to the company. I was told I had late payments on my account in the past 12 months. This was not true. I have on time payments with no late payments. They showed me a letter with late payments. Nothing on my credit report or on the online statements I get monthly, show a late payment anywhere on my account. Bank of America is my mortgage holder/servicer of the loan. They also failed to respond to me within the XXXX days after I requested PMI to be removed. I had to call them directly to find out what was the status of the request. After spending hours on the phone, they declined to approve my XXXX removal due to late payments again. I believe they are practicing unfair and deceptive acts against. I feel like they are taking advantage of me and want to just collect more XXXX payments so they can make more money. They did not follow the regulations and turn times of when to respond to consumers.

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 2026-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am filing a complaint regarding a solar loan financed through Service Finance Company , LLC ( Account # XXXX ) for a system installed by XXXX XXXX XXXX XXXX XXXX, which is now out of business. This transaction involved material misrepresentation, non-delivery of contracted equipment, and loss of promised services. FAILURE TO DELIVER CONTRACTED BATTERY The signed installation agreement explicitly includes a battery system ( XXXX XXXX ) valued at approximately {$13000.00}, and states that the battery was included in the total system price. This battery was never installed or delivered. As a result, I am financing a system that was not fully provided as agreed. LOSS OF WARRANTY AND SERVICE A XXXX service and labor warranty was a key part of this transaction, including ongoing support, monitoring, and system performance assistance. XXXX XXXX XXXX XXXX XXXX is now out of business, and these promised services are no longer available. This represents a substantial loss of value. MISREPRESENTATION OF SYSTEM PERFORMANCE At the time of sale, I was told the system would offset my energy usage. The system has not performed as represented, and I continue to incur ongoing electric bills. Under the FTC Holder Rule ( which is explicitly included in my Retail Installment Contract ), the lender is subject to all claims and defenses that I could assert against the seller. I have formally disputed this matter with XXXX XXXX XXXX and am seeking resolution. I am requesting : A full investigation Adjustment or reduction of the loan balance A fair resolution reflecting the incomplete and misrepresented system I have supporting documentation, including the signed contract showing the battery, warranty documentation, and loan agreement.

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 2026-03-22 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: IL

Complaint narrative:
This complaint concerns unauthorized electronic fund transfers totaling {$9800.00} from my Cash App account following the theft of my mobile device. On XX/XX/year>, I initially reported unauthorized transactions after my phone was stolen and an external debit card, which had never previously been linked to my account, was added and used to transfer funds. That claim was denied, and I filed an appeal. On XX/XX/year>, I filed a NEW and separate dispute regarding these unauthorized transactions. Cash App confirmed that the investigation would be completed within 10 business days. However, more than 10 business days passed, and Cash App failed to : Provide a written determination Issue provisional credit Communicate any investigation findings Provide documentation upon request I repeatedly contacted Cash App requesting the status of my XX/XX/year> dispute, as well as written findings and supporting documentation. These requests were not fulfilled. Instead, Cash App improperly treated my XX/XX/year> dispute as a duplicate of a prior complaint and failed to investigate it as a separate claim. Under Regulation E ( 12 C.F.R. 1005.11 ), each dispute must be independently investigated. If an investigation is not completed within 10 business days, the institution is required to issue provisional credit. Cash App failed to comply with these requirements. To date, I have not received any resolution, written findings, or provisional credit for the XX/XX/year> dispute. I am requesting : 1. Immediate provisional credit of {$9800.00} 2. Written documentation of the investigation specific to the XX/XX/year> dispute 3. Confirmation of compliance with Regulation E requirements This complaint is based on Cash Apps failure to comply with federal law in handling my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
Two transactions totaling {$1400.00} that I have requested a refund which is pending. I keep getting a call from a person from cashapp but want to take out my account first. I said no, thats not how a refund works. The man get real unprofessional on the phone. The numbers he has called from XXXX and XXXX. He wants to do video calls but I never see him. I asked to put the money on a gift card or a cashapp card. It was a no.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: TN

Complaint narrative:
Every time I get a refund from chime because they make a error they take up to XXXX days or more to send it causing so much trouble

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
To the XXXX Dispute Department, I am writing to formally dispute the accuracy of the National Credit Systems collection ( Original Creditor : XXXX XXXX XXXX ) currently appearing on my credit report. This account is entirely unverifiable and contains multiple factual errors provided by the collection agency itself. XXXX. Inaccurate Reporting Date : The " Date Opened '' is listed as XX/XX/XXXX on my report. However, official documentation from National Credit Systems lists my move-out date as XX/XX/XXXX. This is a material inaccuracy. XXXX. Conflicting Financial Data Provided by NCS : National Credit Systems has provided two separate, official documents that contradict one another regarding the alleged debt. One NCS document lists a Lease Termination fee of {$770.00}, while a second NCS document for the same account lists a Lease Termination fee of {$1200.00}. XXXX. Failure to Provide Verification : Despite providing these conflicting statements, National Credit Systems has failed to produce a signed copy of the original lease agreement to justify either fee or the total balance being reported. Because the collection agency is providing demonstrably inconsistent financial data and can not provide the underlying contract ( the lease ) to verify the validity or amount of the debt, this information is unverifiable and inaccurate under the Fair Credit Reporting Act ( FCRA ). I am requesting that Immediately investigate these discrepancies with the furnisher. Delete this collection account from my credit file entirely, as the furnisher has provided contradictory evidence and failed to produce a valid contract to support the reported balance. Enclosures : NCS Itemized Statement : Showing move-out date of XX/XX/XXXX and a {$770.00} fee. NCS Final Account Statement : Also provided by NCS, showing a conflicting {$1200.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I am filing this complaint regarding a solar loan serviced by Mosaic XXXX XXXX tied to a system installed on XX/XX/XXXX at my residence in XXXX, Florida. While the solar system is operational, it consistently produces less energy than what was promised at the time of financing. Furthermore, XXXX XXXX is no longer operating. Public records and industry sources confirm that XXXX XXXX XXXX is out of business ( XXXX ( XXXX XXXX XXXX XXXX ), and multiple customer reports indicate that the company is unresponsive and not providing promised warranties, maintenance, or monitoring services. Independent tracking lists XXXX XXXX as a company that has stopped serving customers in Florida ( XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) ). Additionally, the system has consistently underperformed compared to the production levels represented at the time of sale and financing. As a result, the system has not delivered the expected financial or functional benefits that justified the loan. On XXXX XXXX, XXXX, I submitted a formal written dispute to Mosaic requesting investigation, clarification of loan enforceability, and available remedies. More than 30 days have passed, and Mosaic has failed to acknowledge or respond. Because the installer is defunct and the system is not performing as represented, the underlying transaction has been materially compromised. This raises concerns including failure of consideration and potential misrepresentation tied to the financed product. I am requesting that Mosaic : 1. Conduct a formal investigation into this dispute 2. Provide written clarification regarding the enforceability of this loan 3. Offer options for cancellation, modification, or discharge 4. Cease any collection activity while this matter is under review I am prepared to provide documentation demonstrating installer closure and system underperformance. I expect a timely written response in accordance with applicable consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, while traveling from Washington, XXXX to XXXX, Texas, I contacted CashApp customer support to verify a {$300.00} transfer I had sent to my mother, which I believed had not gone through. During this process, I unknowingly spoke with an individual who falsely claimed to represent CashApp. Following his instructions, I was debited {$190.00}. When I noticed the debit was still pending, I immediately reported the issue to Cash App upon arriving in XXXX. CashApp advised me to wait until the transaction cleared before filing a dispute. I followed their instructions and submitted a formal complaint on XX/XX/year>. On XX/XX/XXXX, I was informed that my claim had been denied on the grounds that I had authorized the transaction. I then requested proof of this alleged authorization. Despite completing the required form and following up, I have not received any documentation or communication from CashApp. It has now been over XXXX months without any response or evidence supporting their decision. I firmly believe I was fraudulently deceived, yet CashApp has not taken appropriate steps to investigate the matter or recover my funds.

Company response to consumer: Closed with explanation