vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX my XXXX Chase card showed a credit card balance ( higher than statement balance at the time ) of approximately {$7800.00}. I paid the complete balance and a bit more of {$7800.00}. On XX/XX/XXXX, they showed my CC balance of more than {$5900.00} even though I only spent {$2900.00} ( I checked all transactions after paying my balance ). I called Chase customer service and asked them how I could possibly owe {$5900.00} when I spent less than {$3000.00}. She tells me that it depends on the Statement balance. I explained that the card balance is what I've consistently paid over the years and she tells me that it still depends on the statement which makes no sense. She tells me to refer to my last statement and again no details or assistance. I paid {$6000.00} on XX/XX/XXXX to make sure this card was paid off. They charged me {$35.00} in interest on XX/XX/XXXX even though I've only spent {$120.00} since paying off the card. Today on XX/XX/XXXX, the CC balance is showing as {$1400.00} which is complete fraud again. I have been charged significantly more than I am spending on this card. I want a complete audit of my account and the over charges and interest removed. I also want to be refunded for all overpayments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: AmeriCash Holding LLC
State: AZ

Complaint narrative:
Hi, XXXX XXXX XXXX, this is XXXX XXXX from the bank division, XXXX XXXX and I'm writing you this email as a confirmation of your loan transaction. The transaction has been done from our end but it has been put on hold by the " FinCEN '' - Financial Crimes Enforcement Network is a bureau of the United States Department of the Treasury that collects and analyzes information about financial transactions in order to combat domestic and international money laundering, XXXX financing, and other financial crimes The reason they put your transaction on hold is because of the amount we transferred. On the documents you were approved for only {$3000.00} but we transferred the total amount of {$3700.00} ( including all the reimbursement ). The XXXX XXXX wants us to get clearance from the FinCEN to make sure the transaction we did is not the case of money laundering or financial crimes. There will be a one time " clearance fee '' of {$320.00} ; however, the insurance department will give the reimbursement of this fee as well. So rest assured once we get the clearance from the FinCEN ; you'll be receiving the total amount of {$4100.00} For value received, I XXXX XXXX XXXX ( Sender ), promise to transfer to XXXX XXXX XXXX ( Receiver ) the total sum of XXXX XXXX XXXX XXXX XXXX Dollars ( {$4400.00} ). Pending fee is {$400.00} ( Releasing fee ) This amount represents the final and last fee owed, and upon payment of this {$400.00}, no further fees, charges, or amounts shall be due or owed by the Receiver to the Lender related to this matter. For value received, I XXXX XXXX XXXX ( Sender ), promise to transfer to XXXX XXXX XXXX ( Receiver ) the total sum of XXXX XXXX XXXX XXXX XXXX Dollars ( {$4800.00} ). Pending fee is {$400.00} ( Releasing fee ) This amount represents the final and last fee owed, and upon payment of this {$400.00}, no further fees, charges, or amounts shall be due or owed by the Receiver to the Lender related to this matter. For value received, I XXXX XXXX XXXX ( Sender ), promise to transfer to XXXX XXXX XXXX ( Receiver ) the total sum of XXXX XXXX XXXX XXXX XXXX Dollars ( {$4400.00} ). Pending fee is {$400.00} ( Releasing fee ) This amount represents the final and last fee owed, and upon payment of this {$400.00}, no further fees, charges, or amounts shall be due or owed by the Receiver to the Lender related to this matter. XXXX XXXX Transfer fee XXXX fee XXXX XXXX XXXX service fee XXXX fee Thats everything I have bought and paid to them through XXXX GIFT CARDS I have also reported to XXXX AND THEY HAVD FLAGGED THE ACCOUNT I ALSO REPORTED TO REPORTFRAUD.FTC.GOV

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX, XXXX, and XXXX have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized and inaccurate information on my report. I need these items blocked and removed from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I financed furniture through my Synchrony account at XXXX XXXX in XX/XX/year>. The furniture I received was defective. Since XXXX, I have tried multiple times to resolve this issue directly with XXXX XXXX, but they have not provided a proper solution. I also filed a complaint with the XXXX XXXX XXXX After that complaint, XXXX asked me to come pick up replacement furniture and charged me an additional {$46.00}. However, the issue was still not properly resolved. At this point I no longer want replacement furniture. I have already paid my Synchrony account in full, and I should not be required to pay for defective merchandise when the merchant refuses to resolve the problem. I am requesting that Synchrony investigate this matter and issue a full refund for the amount I paid. This matter involves defective merchandise and failure by the merchant to properly resolve the dispute. Under the protections of the Fair Credit Billing Act, I am requesting that Synchrony review this case and provide a refund for the amount I paid for this defective merchandise.

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 2026-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Key Facts PHH issued Complete Application letters on XX/XX/XXXX and XXXX, XXXX stating the file was complete as of XX/XX/XXXX ; PHH also sent an Incomplete Application notice dated XX/XX/XXXX with a XX/XX/XXXX document deadline. The application was reported denied/closed before the XX/XX/XXXX deadline despite PHHs confirmations that it was complete. I have a 100 % XXXX Veteran Homestead Exemption confirmed by the appraisal district ; the XXXX tax statement shows {$0.00} due, yet PHH increased escrow and billed taxes. PHH billed for hazard insurance through escrow despite proof of an active, paid policy. The XX/XX/XXXX Complete letter does not appear in the PHH portal as claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I looked at my checking and savings accounts on my Wells Fargo app and noticed that I had a lower balance. It looked like somebody transferred money from my savings into my checking, then made three withdraws of {$1200.00}, {$41000.00} and {$770.00}, totaling {$2400.00}. It showed that the withdrawals were authorized on XX/XX/XXXX in XXXX Florida. I dont know anyone in Florida and I had my debit card with me the entire time. I called Wells Fargo and made a fraud claim. I disactivated my cards and created a new checking/savings account. On XX/XX/XXXX, I receive a letter stating that they will be unable to honor my claim and take back the {$2400.00} in provisional credit I received. Theyre reason for denying my claims are due to the card was in your possession at the time the claim was filed and during the time of the disputed activity and There were no further card present transactions attempts after the card was closed. I dont understand this since the withdrawals were made in Florida . I would like the case to reopen and further investigation to be done because I dont understand how this doesnt look like obvious fraud. No one has access to my card or card information in Florida.

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 2026-03-11 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: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
I believe this was opened by my mother, who is now deceased, I was living in XXXX XXXX at the time, the charges are in XXXX XXXX. This was XXXX charges, they are threatening to sue, I have emails from my old apartment in XXXX XXXX XXXX XXXX ex husband

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I applied for the Robinhood XXXX credit card, but I was never able to activate the card because the Robinhood application repeatedly failed during the activation process. The app did not allow me to complete the activation, so I was never able to access, activate or use the card. Despite the fact that the card was never activated and I never made any purchases or transactions, I have been receiving emails claiming that I owe a balance of {$73.00}. I attempted multiple times to resolve this issue by contacting Robinhood customer support through email. I exchanged several emails back and forth with a customer service representative explaining that the card was never activated and that I wanted to cancel the account. However, they never provided a phone number for customer support, and they refused to allow me to speak with anyone by phone to resolve the issue. There appears to be no way to call them, and they also refused to call me back. Because of this, I have been unable to properly resolve the situation or cancel the card. Since the card was never activated and no transactions were made, I do not believe I owe the {$73.00} balance. I am requesting that Robinhood immediately cancel this credit card account, remove the {$73.00} balance, and confirm that no negative information will be reported to any credit bureau. I would also like written confirmation that the account has been closed and that I do not owe any balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: MN

Complaint narrative:
Recently multiple collections were posted on my credit bureau from your agency. Your collections need the following criteria in order to be valid. 1 ) A signed assignment or power of attorney to legally pursue a collection under FDCPA guidelines. The FTC mandates this from FTC v. XXXX XXXX XXXX ( XXXX ). 2 ) A copy of any agreement signed with the debt procuring party. 3 ) A written notice of the collection being posted on my credit report, in addition a number of the surety bond necessary to be a debt collector in my state of residency. 4 ) A license number of your collection status filed in my state of residency, or a license number if your agency is a debt buyer. That license number would be federal with the XXXX. Your agency has fulfilled none of those criteria. Accordingly, the collections are fraudulent and must be dismissed with all pertinent credit reporting agencies immediately. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I financed a solar system through GoodLeap. The installer, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has filed XXXX XXXX XXXX and can no longer honor the XXXX workmanship, roof penetration, or mechanical warranties, nor provide any service or repairs. My system is also not working properly. When I contacted GoodLeap, they told me to find a solar repair company on my own, even though the contractor they funded is in bankruptcy and can not perform. My contract states that XXXX bankruptcy is an automatic default by the seller, and the system is no longer the product I contracted for. GoodLeap continues to bill me for a loan tied to a defective and unsupported system. Under the FTC Holder Rule, GoodLeap is responsible for seller misconduct. I am requesting full loan cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX this year I got text that I spent XXXX XXXX in XXXX using my Cash App card. Since I didnt shop in XXXX XXXX XXXX last year, and didnt recognise this transaction, I called Cash App and XXXX too XXXX XXXX confirmed that is nothing under my name or that order number posted I received on my email. I filed dispute with Cash App doesnt. They denied it. I made an appeal. Again denied. Cash App agents are useless, they repeat they will escalate my case and supervisor will contact me on email. I cant find any email explaining why I cant get money I was scammed for and obviously not protected by Cash App. I wasted hours on phone. It is about a principal, I feel unsafe to use Cash App any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CA

Complaint narrative:
So on XX/XX/year> I contacted Chime after XXXX contacted me and froze my account with them due to unusual transactions and attempts. After reviewing my XXXX account the XXXX XXXX suggested I check my other accounts to see if they too were compromised, I did so and I discovered my Chime account had also had money stolen out of it and sent to some unknown XXXX account via XXXX not my XXXX account however so I filed a complaint with chime and put in a claim for my missing monies which they promptly denied within XXXX hours I dont know who their so called investigation team is but I highly doubt they ever investigated anything they just rejected my claim and told me too bad I wasnt going to have my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: EGL US, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX I obtained a consumer loan from BMG Money ( serviced by BMG XXXX ). The original loan amount was {$2000.00} with payments scheduled bi-weekly. On XX/XX/XXXX the loan was paid in full, and the account balance was satisfied. My loan documentation clearly reflects PAID IN FULL XX/XX/XXXX. BMG_Loan_Documents However, BMG has failed to properly update the account status with the credit reporting agencies. My credit reports continue to show an outstanding balance of approximately {$1700.00} instead of a {$0.00} balance with a paid or closed status. I disputed the inaccurate reporting with XXXX XXXX XXXX XXXX XXXX recently responded that they contacted the furnisher but declined to update the account. Despite the dispute process, BMG continues to report outdated or incomplete information. This is inaccurate and harmful because it makes it appear that I still owe money on an account that has already been fully satisfied. Credit furnishers have a legal obligation under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) to report information that is accurate and to correct errors once they are notified of a dispute. I am requesting that BMG immediately : Update all credit reporting agencies to reflect the correct status of this account as PAID IN FULL with a {$0.00} balance Correct any inaccurate balance reporting Provide written confirmation that the reporting has been corrected with all credit bureaus Failure to accurately report a satisfied loan is misleading and negatively impacts my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Im writing regarding my XXXX XXXX credit card account. I recently reviewed my credit reports and noticed a negative mark reported on the account. I take my credit very seriously and have been working hard to improve my financial standing. The late payment occurred during a difficult period and was not representative of my normal payment history. Since then, I have made every effort to stay current and maintain responsible use of my credit. As a gesture of goodwill, I respectfully ask if you would consider removing the negative reporting associated with this account from the credit bureaus. Your assistance would make a meaningful difference as I continue working toward stronger financial stability. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
Me and the kids mother are separated and agreed to sale the house. We contacted realtor to help with the short sale and she agreed. We also have a buyer in contract. We sent all the info that the realtor requested so she can send the info on XXXX to start the short sale process with the mortgage company, XXXX XXXX. I was on a repayment plan with the mortgage company however they told us that we cant have repayment plan if we want to do short sale. So we contacted XXXX to remove the repayment plan and do short sale instead. They agreed. We also signed short sale form and sent it to realtor and to the mortgage company. It been 4 months and we are now owed XXXX in mortgage payments and we tried everything what XXXX mortgage asked us to do. When we once again called the mortgage they keep giving us different answers and have not assigned case worker to start the short sale process. I, my kids mother, realtor and the buyer are growing very frustrated with this company. We are trying to sale than having a foreclosure and it seem that XXXX is avoiding working with us and keep delaying with the short sale process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ABSOLUTE CREDIT  LLC
State: NY

Complaint narrative:
They sent all the tests I had done medically in order to a debt collector. The debt collector sent me all the tests I had done medically at the office. This is against HIPPA. First, the office charged me accidentally for the wrong doctor in the office. So I spoke to the office and they changed the way the doctor charged my insurance company. My insurance company sent me a check for the amount of XXXX XXXX. I gave it to my XXXX office. However, they still sent me I owed money, they are asking for XXXX dollars which is not the same amount as what I had initially owed the XXXX. My XXXX is the professional XXXX office in XXXX, NY.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
Experian, Transunion, and Equifax have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized and inaccurate information on my report. I need these items blocked and removed from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My XXXXXXXX XXXX XXXXXXXX account was closed unlawfully, it was in good standing from past XXXX years and due to my bank 's payment issues, they closed my account. Need the account re-activated

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