vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Escrow Error Timeline Summary ( for CFPB Submission ) Borrower : XXXX XXXX XXXX Loan Servicer : Select Portfolio Servicing ( SPS ) Loan Number : XXXX Property : XXXX XXXX XXXX, XXXX, TX XXXX XXXX. Insurance Refund Issued Not Applied by SPS XX/XX/year> My homeowners insurance carrier issued a refund check after I switched to a lowercost policy. I uploaded the check to SPS as instructed. SPS later informed me that they destroyed the check because it was made payable to me. SPS did not notify me at the time and did not credit my escrow account. XXXX. Replacement Refund Obtained Still Not Applied XX/XX/year> I contacted my insurance company and requested a replacement refund check. I cashed the replacement check and sent the refund amount directly to SPSs escrow account. SPS did not record this payment. The refund does not appear anywhere in my escrow transaction history. XXXX. Incorrect Escrow Analysis Issued XX/XX/year> SPS issued the Annual Escrow Account Disclosure. Because SPS failed to apply my insurance refund, the analysis used an incorrect starting escrow balance. As a result, SPS : Overstated my escrow shortage Increased my escrow payment from {$270.00} to {$370.00} Increased my total monthly mortgage payment unnecessarily XXXX. SPS Acknowledges Destroying the Check but Still Refuses to Correct the Analysis XX/XX/year> SPS sent a letter acknowledging : They destroyed the original refund check They voided the refund check they issued to me They claim no refund is available SPS still did not apply the replacement refund I paid directly. SPS has not corrected the escrow analysis. 5. Resulting Harm My escrow balance is incorrect. My monthly mortgage payment is inflated. SPSs failure to apply the refund violates RESPA ( 12 CFR 1024.17 ). SPS has not corrected the error despite multiple notices. I also think they tried to throw me off by stating that I had an {$8300.00} refund, then when I said to apply it to my principle, they said it was returned. That's suspect to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Company : PNC Bank Date of Incident : XX/XX/year> Location : XXXX XXXX XXXX ( Drive-Thru ATM ), XXXX XXXX XXXX XXXX XXXX IL Amount Disputed : {$810.00} XXXX XXXX XXXX XXXX : XXXX XXXX. Description of the Incident On XX/XX/year>, I was the victim of a felony distraction scam at the XXXX XXXX XXXXXXXX drive-thru ATM located at XXXX XXXX XXXX XXXX, XXXX. I was seated in the front passenger seat of the vehicle ; the suspect was the driver. Because this was a drive-thru ATM configuration, the machine was positioned for the driver. As the passenger, it was physically impossible for me to view the ATM screen, reach the keypad, or see the cash dispenser. I provided my PIN for the limited purpose of a {$30.00} withdrawal. The driver used her physical position to block my view of the activity and fraudulently induced three unauthorized withdrawals totaling {$800.00}, plus fees. I received no benefit from these funds. 2. PNC Banks Failure to Investigate ( Regulation E Violation ) I filed a dispute with PNC Bank on XX/XX/XXXX, which was denied. The denial was based solely on the fact that 'the PIN was used. This constitutes a failure to conduct a 'Good Faith Investigation ' under 12 CFR 1005.11 ( Regulation E ). PNC Bank failed to request or review the security footage from the host bank XXXX XXXX XXXX XXXXXXXX ). This footage is the primary evidence that would confirm : 1. I was in the passenger seat and not the operator of the machine. 2. The suspect used physical obstruction to hide the screen activity from me. XXXX. The suspects identity and vehicle ( XXXX XXXX ), which are already part of an active police investigation XXXX XXXX # XXXX ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Re : Notice of Legal Dispute, Misrepresentation, and Demand for Immediate Correction. I am writing regarding your response to my complaint submitted through the Consumer Financial Protection Bureau. In your response, you stated that a judgment had been obtained in XXXX XXXX, Tennessee. However, upon direct verification with the court clerk, I have confirmed that no service has been completed and no valid judgment has been entered against me. Your representation that a judgment exists is false and constitutes a violation of the Fair Debt Collection Practices Act ( 15 U.S.C 1692e ) specifically false representation of the legal status of a debt. You are herby demanded to provide immediate proof of any judgment you claim exists, including certified court records and proof of proper service. If you can not provide such documentation, you must immediately cease reporting this account and request deletion from all consumer reporting agencies. Failure to correct this misrepresentation will result in further action, including regulatory escalation and potential legal claims. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
am filing a complaint against JPMorgan Chase Bank for refusing to open a valid ACH dispute under Regulation E. On XX/XX/year>, I authorized an ACH debit from my account to a merchant XXXX XXXX XXXX ) for services. Shortly after, on XX/XX/year>, I requested a refund. The merchant confirmed that I would receive a refund of {$12000.00} via ACH, scheduled for XX/XX/year>. As of today, I have not received the funds, and the merchant has failed to return my money. I contacted Chase Bank to dispute this transaction. I clearly explained that I am not disputing the charge as unauthorized, but rather as a failure of the merchant to provide services and failure to issue a promised refund Despite this, Chase refused to open a dispute, stating that because I authorized the ACH transaction, no dispute could be filed. This is incorrect. Under Regulation E, this situation qualifies as an error, specifically : Services not rendered Failure to issue a refund as promised Chase has failed to properly investigate this claim and has denied me access to the required error resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally escalate a serious issue regarding Chase Bill Pay that has resulted in financial loss and an extremely disappointing customer experience. In XX/XX/XXXX, I used Chase Bill Pay to pay my property taxes. The funds were immediately withdrawn from my account, leading me to reasonably believe that payment had been successfully issued and would be completed. However, in XX/XX/XXXX, the funds were returned to my account due to a stop payment, as the check was never cashed. I received no proactive notification or alert that the payment had failed. As a direct result, I incurred {$77.00} in late fees because the tax payment deadline of XX/XX/XXXX was missed. I immediately contacted Chase and requested assistance. After receiving no follow-up, I visited a branch where a representative named XXXX attempted XXXX help and indicated he would escalate the issue. While waiting for a response, I paid the full tax amount again ( approximately {$1100.00} ) along with an additional {$2.00} processing fee to ensure timely payment. After two more weeks without any response, I returned to the branch and spoke with XXXX, who informed me that the complaint had not been properly submitted. I was told I would receive a call within 48 hours. Again, no one contacted me. After multiple follow-ups and significant delays, I was eventually contacted and told that nothing could be done to resolve the issue. This outcome is unacceptable. I have been a Chase customer for over 30 years, and this experience reflects a complete breakdown in : Bill Pay reliability Communication and notification processes Complaint handling and follow-through Chase withdrew funds as if payment had been completed, failed to ensure delivery, failed to notify me of the issue in time, and then failed repeatedly to address the consequences of that failure. As a result, I am requesting : Reimbursement of the {$77.00} late fee Reimbursement of any associated fees incurred due to this failure A formal review of this incident and explanation of what went wrong Assurance that improvements will be made to prevent similar issues I am extremely disappointed that multiple attempts to resolve this through normal channels have failed. If this matter is not resolved promptly, I will have no choice but to pursue formal complaints with regulatory agencies. I would appreciate a prompt response and resolution. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing a complaint against Bank of America regarding a misleading statement and failure to properly communicate the status of a disputed transaction. On XX/XX/2026, I contacted Bank of America after mistakenly sending {$5000.00} through XXXX XXXX to the wrong recipient. During that interaction, I was explicitly informed by a representative that the funds had been reversed and would be credited back to my account within approximately two days. I relied on this information as a confirmed resolution. However, after the expected timeframe passed, I followed up and was then informed that the funds were not being returned and that no reversal had actually occurred. At no point was I notified of any change in status or denial of the claim. This situation caused financial stress and confusion, as I made decisions based on the banks representation that the funds were being returned. Additionally : The transaction recipient refused to return the funds The recipient has since deleted their XXXX XXXX account I have supporting documentation and screenshots of the transaction and communication My concerns are : I was provided inaccurate and misleading information by Bank of America There was a failure to notify me of the actual outcome of the claim There appears to have been no proper follow-up or transparency regarding the investigation I am requesting : A full review of my case and the recorded call where I was told the funds were reversed Clarification on why incorrect information was provided Consideration of reimbursement due to reliance on misinformation provided by the bank I appreciate your assistance in reviewing this matter. 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 explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: PA

Complaint narrative:
My mortgage company Selene Finance has not sent me monthly mortgage statements in nearly a year. I fell behind on my loan and during that time received nothing. I am now current and still have not received anything from them. I need my monthly mortgage statements to stay current on my loan. Their failure to send me statements violates federal law. I called them twice to try to rectify this and was told I would be receiving statements but still have received nothing. Please begin sending me my monthly mortgage statements immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a PDF document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent credit reporting by IQ Data International. The same collection account is being reported with different balances on TransUnion and Equifax. This inconsistency clearly indicates that the information being furnished is not accurate or verifiable, which is a violation of the Fair Credit Reporting Act ( FCRA ). Additionally, when I contacted the collection agency to dispute the account, I was informed that I could pay {$790.00} for assistance in disputing the debt. I understand that disputing a debt is my legal right and should not require payment. This request raises serious concerns regarding compliance with the Fair Debt Collection Practices Act ( FDCPA ). Due to these inaccuracies and improper practices, I am requesting a fair resolution. Specifically, I am requesting the complete deletion of this account from all credit reporting agencies if it can not be properly verified with accurate and consistent information across all bureaus. I have made good faith efforts to dispute and resolve this matter directly. However, due to the continued reporting discrepancies and questionable conduct, I am seeking formal investigation and resolution through the CFPB. I respectfully request that this account be thoroughly investigated and removed if it can not be validated in full compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Remitly, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, a fraudulent account was opened on my behalf using my name, phone number, address, and email address. It appears there were no safeguards in place and the transaction went through successfully in the amount of {$2500.00} USD and sent to XXXX. There was no email verification that was required to confirm the account, and multiple other transactions took place and were cancelled prior to the last transaction that went through and no flags were raised by their system. It is concerning that a platform like Remitly would not try and verify an account via email or even 2FA. Because this happened, I have had to close all of my accounts and I am a nervous wreck concerned I will not receive my funds back from my bank since my information was stolen. This could have been prevented had the company require verification of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified debt collection reporting. I have disputed this account directly with the company and requested full validation of the alleged debt, including the original signed contract, complete payment history, and proof of ownership/assignment. The company failed to provide sufficient documentation to validate the debt. Despite my request, the company continues to report and attempt to collect on this account without providing proper verification as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The information being reported is inaccurate, incomplete, and/or can not be verified. I do not recognize this debt and have not been provided adequate proof that I am legally responsible for it. This continued reporting without proper validation is causing harm to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app account got compromised. They withdrew everything from my card linked to it. Leaving me in the negatives. They also locked me out by removing my email and number from my cash app account. They then took out borrow loan and after pay money to then make purchases on a sketchy website called XXXX XXXX. They spent over $ XXXX maybe in borrowed money and my money from my debit account. Cash app then started investigating the multiple transactions of $ XXXX that cleared my account and proceeded to deny multiple of them and only refund me some. They were all similar transactions to the same site and they only refunded me XXXX so far and giving me a hard time by telling me to appeal and escalate the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To whom it may concern, On XX/XX/XXXX I made a deposit of {$6000.00} at a Wells Fargo ATM which is located at the Wells Fargo Branch. The branch address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Upon making the deposit, the ATM spat out {$100.00} in {$20.00} bills back at me, and then proceeded to make a variety of noises prior to advising me that there has been an issue with my deposit, and that a {$0.00} credit is issued as a place holder in my account. I proceeded to call Wells Fargo customer service immediately and filed a claim with them for the " misregistered deposit '' or what I consider blatant theft. After XXXX additional calls which I made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a " provisional credit '' in the amount of {$5800.00} was deposited into my account on XX/XX/XXXX. I has been close to a month, and in this time, nothing has changed or finalized. I've called the bank twice more, on XX/XX/XXXX and XX/XX/XXXX. Both times, the representatives keep stating that " the claim is in the finalization process '' and that I should hear back " soon ''. Unfortunately, no deadline is ever provided, and when I ask the representatives to write an inquiry to the " investigator '' who is allegedly handling the claim ( as there is no way for me to contact this person directly for reasons unknown to me ), they go unanswered which is confirmed by the next representative time and time again. I have run out of patience and options to deal with this matter. I work hard for the money I earn, and with it being a " provisional credit '' the bank may simply decide to remove it from my account if they choose to do so, so I am practically living in fear that I will wake up and my money will be again, gone without a trace. I demand something be done in regards to this matter, as it is absolutely unacceptable for the bank to " investigate '' this matter ( what's there to investigate, open the darn ATM up and count the money, subtract the difference, that is what I am owed ). without a legitimate timeframe, and without the ability for me to contact anyone who is directly associated with the so called investigation of this claim.

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a checking account with TD Bank. Unfortunately, there was a levy placed in my account from the State of New York in reference to taxes. However, I was able to work it out with the State and they put a release on my funds. A letter was sent to TD Banks levy department on XX/XX/26, and as of yesterday XX/XX/26 @ XXXX est the state faxed the letter to the levy department XXXX The frustration is that the first time I went into the bank to discuss this the bank officer called the levy department and we were on hold for 2-1/2 hours before someone picked up and they couldn't give me any information, then I went back to the bank on XX/XX/26 and the same thing, the bank XXXX was on hold for literally XXXX hours before someone picked up. The representative was rude and couldn't verify any changes. Now, today, XX/XX/26 I called the levy department myself and P.S. I'm still holding. The time on my phone this very moment is reading 5 hours 45minutes 55 seconds. All I want to have done is for them to release my funds. I live on social security and right now I have no money.

Company response to consumer: Closed with monetary relief