vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Complaint : I am submitting this complaint regarding the improper closure of my account and unauthorized seizure of my funds by JPMorgan Chase in XX/XX/year>, which remains unresolved. At the time, my adult daughter maintained a separate account that had previously been linked to mine. A third party deposited a check into her account without my knowledge or involvement. Chase made the funds available for withdrawal, and my daughter withdrew the funds and provided them to that individual. Approximately two weeks later, Chase reversed the transaction, closed both my daughters account and my personal account, and removed funds from my account despite my complete lack of involvement in the transaction. The individual who deposited the check is now deceased. We complied with Chases request to provide a death certificate. Despite this, Chase has refused to return our funds or provide a legally sufficient explanation for its actions. Chases actions raise serious concerns, including but not limited to : Unauthorized setoff : Removal of funds from my personal account despite no contractual or transactional basis linking me to the disputed check Failure to provide adequate notice and documentation supporting the seizure of funds Negligent handling of check processing, including making funds available and allowing withdrawal prior to determining validity Unjust enrichment and wrongful retention of funds belonging to me Failure to resolve the matter within a reasonable timeframe, as this has remained unresolved for over three years To date, Chase has failed to produce documentation demonstrating : Its legal authority to seize funds from my personal account That I had any liability related to the deposited check That proper procedures and disclosures were followed under the account agreement and applicable law I am formally demanding : A complete written explanation of the legal basis for the seizure of funds from my account All supporting documentation, including account agreements, notices, and internal determinations related to this matter A full accounting and timeline of the transaction, reversal, and account closures Immediate reimbursement of any funds improperly taken from my personal account Confirmation that Chase complied with all applicable federal and state banking regulations If Chase can not substantiate its actions with clear legal authority, the continued retention of my funds constitutes wrongful conversion and a violation of my consumer rights. Given the extended delay and lack of resolution, I am requesting immediate regulatory review and intervention to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
XXXX XXXX XXXX is a debt collection company that purchased a debt from XXXX XXXX Bank and sent it to Scott & Associates, who is a law firm acting as a debt collector as well, trying to collect on a debt that On XX/XX/XXXX, at XXXX XXXX, I spoke with an XXXX representative at XXXX ( Call Duration : XXXX ). During this recorded conversation, the representative explicitly admitted the " account date '' ( date of default/delinquency ) is XX/XX/XXXX. They are back dating items to ty to collect barred debt. Under Texas XXXX XXXX XXXX XXXX XXXX XXXX, the statute of limitations for debt collection in Texas is XXXX ( XXXX ) years. This debt is officially time-barred and legally unenforceable. Any attempt by Scott & Associates to file suit or threaten legal action on this account constitutes a willful violation of federal and state law. Case Law : XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX. Seeking to collect or threatening to sue on a time-barred debt is deceptive and misleading. VIOLATION : FAILURE TO PROVIDE PRIOR NOTICE XXXX XXXX XXXX placed this derogatory account on my credit reports without providing any prior notice. Under FCRA XXXX ( a ) ( XXXX ), a furnisher must notify the consumer prior to, or no later than 30 days after, furnishing negative information to a XXXX XXXX XXXX ( CRA ). LVNVs " XXXX reporting '' of this debt while it was in a disputed status is a predatory violation of my rights. FAILURE TO CONDUCT A REASONABLE INVESTIGATION LVNV has " verified '' this account with the bureaus despite failing to produce a single page of original documentation or a XXXX ledger. Case Law : XXXX XXXX XXXX XXXX Bank, XXXX, XXXX XXXX XXXX. Furnishers must investigate the merits of a dispute, not simply match a name in a database. DEMAND FOR XXXX VALIDATION Pursuant to XXXX U.S.C. XXXX, I demand full validation of this debt. I require the following : Chain of Title : A complete, unbroken chain of assignment from XXXX XXXX Bank to XXXX Funding, including the specific Bill of Sale identifying this account. XXXX XXXX : A complete general ledger following Generally Accepted Accounting Principles ( GAAP ), showing the inception of the debt and an itemized breakdown of the {$1100.00} balance. IRS XXXX : Proof that this debt has not been written off as a " bad debt '' tax loss. If a Form XXXX was issued, any further collection activity is unlawful. FORMAL CEASE AND DESIST I am placing a formal Cease and Desist on this account. Pursuant to XXXX U.S.C. XXXX ( c ), you are instructed to cease all communication with me except to notify me that your collection efforts are being terminated. You must cease all reporting of this unverified, time-barred account to any CRA. Case Law : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The continued reporting of inaccurate or misleading information creates actionable " concrete harm. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC is a debt collection company that purchased a debt from XXXX XXXX Bank and sent it to XXXX XXXX XXXX, who is a law firm acting as a debt collector as well, trying to collect on a debt that On XX/XX/XXXX, at XXXX XXXX, I spoke with an LVNV representative at XXXX ( Call Duration : XXXX ). During this recorded conversation, the representative explicitly admitted the " account date '' ( date of default/delinquency ) is XX/XX/XXXX. They are back dating items to ty to collect barred debt. Under Texas XXXX XXXX XXXX XXXX XXXX XXXX, the statute of limitations for debt collection in Texas is XXXX ( XXXX ) years. This debt is officially time-barred and legally unenforceable. Any attempt by XXXX XXXX XXXX to file suit or threaten legal action on this account constitutes a willful violation of federal and state law. Case Law : XXXX v. LVNV Funding , LLC, XXXX XXXX XXXX. Seeking to collect or threatening to sue on a time-barred debt is deceptive and misleading. VIOLATION : FAILURE TO PROVIDE PRIOR NOTICE LVNV Funding LLC placed this derogatory account on my credit reports without providing any prior notice. Under FCRA XXXX ( a ) ( XXXX ), a furnisher must notify the consumer prior to, or no later than 30 days after, furnishing negative information to a XXXX XXXX XXXX ( CRA ). XXXX " XXXX reporting '' of this debt while it was in a disputed status is a predatory violation of my rights. FAILURE TO CONDUCT A REASONABLE INVESTIGATION LVNV has " verified '' this account with the bureaus despite failing to produce a single page of original documentation or a XXXX ledger. Case Law : XXXX XXXX XXXX XXXX Bank, XXXX, XXXX XXXX XXXX. Furnishers must investigate the merits of a dispute, not simply match a name in a database. DEMAND FOR XXXX VALIDATION Pursuant to XXXX U.S.C. XXXX, I demand full validation of this debt. I require the following : Chain of Title : A complete, unbroken chain of assignment from XXXX XXXX Bank to LVNV Funding, including the specific Bill of Sale identifying this account. XXXX XXXX : A complete general ledger following Generally Accepted Accounting Principles ( GAAP ), showing the inception of the debt and an itemized breakdown of the {$1100.00} balance. IRS XXXX : Proof that this debt has not been written off as a " bad debt '' tax loss. If a Form XXXX was issued, any further collection activity is unlawful. FORMAL CEASE AND DESIST I am placing a formal Cease and Desist on this account. Pursuant to XXXX U.S.C. XXXX ( c ), you are instructed to cease all communication with me except to notify me that your collection efforts are being terminated. You must cease all reporting of this unverified, time-barred account to any CRA. Case Law : TransUnion XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The continued reporting of inaccurate or misleading information creates actionable " concrete harm. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I was in a very serious car accident on XX/XX/year> of which I had no fault. I was resr-ended, driven off the highway over the guard rail and landed on the roof. I spen 10 days in XXXX and had two XXXX XXXX. The vehicle was totalled, however I had XXXX insurance and initiated a claim. All costs will be recovered once the XXXX claim is processed. The Police report ook a very long time to provess due to the complexity of the accident. I recieved confirmation from the company that I had fulfilled all of my obligations and submitted every thing needed to process. I have since purchased a new vehicle. The Company is Consumer Portfolio Services. Recently they decided o report me delinquent on the debt while at the same time sending me a letter asking me to be patient with the processing of the XXXX Claim- they are very bust and working hard process. It was completely unnecessary to file a delinquency when they are well aware that the paperwork is being processed and whats holding it up has nothing to do with me. I have been in direct contact since the very beginning of this night mare. I want this removed from my credit report and my credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony has been changing me {$140.00} for security since XX/XX/XXXX. I never had any knowledge of the issue. For the past few weeks, I have noticed my account being so low that I contacted Synchrony Bank to find out what is going on. Then the lady that I spoke with told me that Synchrony has been changing me {$140.00} for 11 years. I receive the credit from Amazon. My credit card is exclusively used for Amazon store purchases. I was not aware of this so-called Amazon and Synchrony Bank , yet you defrauded me of at least {$20.00} XXXX for 11 years. On XX/XX/XXXX, Synchrony Bank cancelled under reference number 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 monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: OH

Complaint narrative:
Someone tired to Open a US Bank Smartly Checking Application ID XXXX on XX/XX/year> under my name and social security number. The bank has rejected the application and sent me a letter. I wanted to lodge a complaint on the same and wanted an investigation as who applied for this and if they have done any other which will impact my credit score, I need a freeze of my credit score

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 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding the handling of my auto loan repossession and refusal to release my vehicle after I complied with all stated requirements. On XX/XX/2026, I was informed that in order to recover my repossessed vehicle, I needed to : Pay a repossession fee of {$770.00} Pay my past-due balance of {$1600.00} Provide proof of insurance ( declaration page ) I completed all of these requirements on XX/XX/2026. I transferred the required funds from my checking account to my loan account as instructed, and the payment initially reflected as completed. I also obtained active auto insurance effective XX/XX/2026 and submitted my declaration page to the email address provided by the lender. The following day, I was told that my payment appeared as if it had not been made, despite showing it posted on XX/XX/XXXX. I was also informed, after the fact, that my insurance declaration page was not acceptable because it was not sent directly from my insurance provider. This requirement was never disclosed to me during the initial recorded call when instructions were provided. I later had my insurance agent send the declaration page directly ; however, I am now being told that because it was previously faxed and/or not received in the specific manner they now require by the original deadline, they are refusing to release my vehicle. I have spoken with multiple representatives and received conflicting explanations, one stating the issue was how I made the payment, and another stating the issue was how the insurance document was submitted. At this point, I have fully complied with all original instructions given to me on XX/XX/2026. The lender is now adding new requirements after the fact and continuing to withhold my vehicle. This situation is causing significant hardship, as I rely on my vehicle for daily transportation to school and work. I have documentation of my payment, insurance coverage effective date, and communication with the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
My complaint is for Santander Bank on XX/XX/XXXX. My card shows transaction of {$140.00} made in XXXX. On XX/XX/XXXX I called the bank and said i didnt make that purchase. They told me they wanted to open a case. A month later, i contacted the bank and they told me the case is closed because i made the purchase. They never notified me, no letter, no call, no message. I went to two banks and nobody could help me. I want my money back.

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 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
My car was repossessed on Sunday morning. When I contacted on Monday I was told the amount due ( missing payments and towing and storage fees ) and that I should wait for an approval which i wasnt explained what it consisted of. Next day when I called to make a payment they stated i was not approved and I had to pay full balance of the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: SERVICEMAC, LLC
State: IL

Complaint narrative:
I am filing a complaint regarding the mishandling of my mortgage payoff, escrow refund, and unauthorized retention of funds by ServiceMac following the refinance and transfer of my mortgage to XXXX XXXX XXXX. My mortgage with ServiceMac was officially paid off on XX/XX/year> as part of my refinance to XXXX. However, despite the payoff, ServiceMac still processed my scheduled automatic mortgage payment on XX/XX/year>. This payment should have either been stopped, reversed, or properly accounted for following the payoff, but to date I have not received any explanation or refund regarding these funds. Additionally, I have not received my escrow balance refund. When I contacted ServiceMac, I was verbally informed that my escrow balance was approximately {$3000.00}, but I was also told that approximately {$1000.00} was being deducted for reasons their representatives could not clearly explain or document. I have not received any escrow analysis, payoff reconciliation, written breakdown, or final accounting showing : 1. My total escrow balance at payoff 2. Any deductions made from escrow and the justification for those deductions 3. The status of my XX/XX/year> mortgage payment 4. The total amount owed back to me Since the payoff, I have made repeated good-faith efforts to resolve this directly with ServiceMac, including : 4 phone calls to customer service 3 email inquiries Multiple promises from representatives that someone would call me back Despite these efforts, I have either been disconnected, transferred without resolution, or not contacted back as promised. I have been unable to obtain basic information about funds that belong to me, including my escrow refund and potential overpayment. I am requesting that ServiceMac immediately provide : 1. A complete written payoff and escrow reconciliation 2. A written explanation of all escrow deductions 3. Confirmation of the status of my XX/XX/year> payment 4. Immediate refund of all escrow funds and any overpayments owed to me 5. Confirmation that no funds are being improperly withheld At this time, I am concerned that my funds are being improperly retained without transparency, documentation, or timely communication.

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 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I started my XXXX treatment with XXXX XX/XX/XXXX, I had the 6 month day time treatment and did everything right for 6 months. My smile got better but not perfect the way they promised me. My bite is not aligned. Got retainers wore them day and night for at least a month then switched to just night time. I bought at least 3 pairs of retainers my last one I bought it was XX/XX/XXXX and since then I have been trying to contact them and get new retainers because I've had mine for over a year and they are loose and do not fit anymore. My smile got worse. My tooth gap because wider and now it looks like I never went on a treatment. I am still paying the money for the treatment because XXXX didn't try to help and just gave me a phone number to contact XXXX even thought they know for a fact they have been out of business and the phone number wouldn't even exist. XXXX company is not responding to any of my emails and I can't go fix my smile because I am still paying for one that didn't complete my 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 2026-05-05 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: Paypal Holdings, Inc
State: NV

Complaint narrative:
I am filing this complaint regarding the permanent limitation of my PayPal account and the holding of my funds for up to XXXX days without a clear explanation. I have maintained my PayPal account for approximately XXXX years and have used it to operate a legitimate computer support business providing remote assistance services. My transactions are small, typically ranging between {$39.00} and {$79.00}, and represent payment for completed services. Throughout the entire history of my account : * I have had no chargebacks * I have had no disputes * I have had no history of fraudulent activity * I have maintained consistent, transparent business practices Despite this, I recently received a notification that my account has been permanently limited. The notice provided no meaningful explanation beyond a vague reference to a possible violation of XXXX XXXX XXXX XXXX. Additionally, PayPal is holding my funds for up to XXXX days. Given my spotless account history, this action appears excessive and unjustified. I have not been provided with any specific reason that would warrant such a restriction. I have attempted to contact PayPal for clarification and to request a review, but I have been unable to reach anyone who can provide a clear explanation or escalate the issue for proper review. I believe my account may have been incorrectly flagged due to the nature of my business, which involves remote computer support. However, my services are legitimate, transparent, and have been provided without issue for many years. I am requesting the following : XXXX. A clear and specific explanation of the reason for the permanent limitation of my account XXXX. A manual review of my account by XXXX risk or compliance team XXXX. The release of my funds as soon as possible, given the absence of disputes or chargebacks This situation has significantly impacted my ability to conduct business and access funds that rightfully belong to me. I respectfully request a fair and timely resolution. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: MoneyLion Inc.
State: SC

Complaint narrative:
I am submitting this statement regarding a loan I was approved for through MoneyLion in the amount of {$1000.00}. Although I received confirmation that my application was approved, I never received the funds in my account. Despite the approval status, the money was not deposited, and I did not have access to the loan proceeds at any time. Because of this, I believe it is inaccurate for this account to be reported as an active or completed loan obligation on my credit report. I am requesting that this matter be investigated and corrected accordingly. Since the funds were never disbursed to me, I should not be held responsible for repayment or any negative reporting associated with this loan. Please review this issue and update my credit file to reflect the correct information. I appreciate your prompt attention to this matter.

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