vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been a customer of Chase Bank for over XXXX years and currently maintain multiple accounts, including several paid credit cards, as well as checking and savings accounts. In XX/XX/XXXX, I opened a Chase XXXX XXXX Credit Card and was charged the {$95.00} annual fee. I completed the required promotional spending by the end of XX/XX/XXXX to qualify for the advertised XXXX XXXX XXXX points bonus. After confirming with Chase that I had met the spending requirement, I was informed that it could take up to XXXX weeks for the points to appear in my XXXX account. By the end of XX/XX/XXXX, I had still not received the promised points. After multiple follow-up calls, I was informed in early XXXX that the points had been deposited into a newly created XXXX account XXXX I did not authorize or create this account. Compounding the issue, this newly created account contained an incorrect version of my surname, which prevented me from accessing or properly using the points. As a result, I had to spend significant time working with XXXX XXXX to correct the name so that it matched my passport. Additionally, due to the delay and confusion caused by this error, I transferred the points from XXXX to a partner airline using XXXX and incurred exactly {$50.00} in fees. This expense would not have been necessary if the points had been deposited correctly into my original account. This delay and mismanagement directly impacted my ability to book international travel. Because I could not access the points in a timely manner, I was forced to pay higher prices for my XXXX flights than I would have if the points had been deposited correctly. I am extremely dissatisfied with how this situation was handled. Chase provided inconsistent and misleading information regarding the status of my rewards and improperly created a duplicate XXXX account without my consent. While Chase representatives frequently attributed the issue to XXXX, the unauthorized account creation appears to be the root cause of the problem. This experience has significantly undermined my trust in Chase despite my long-standing relationship with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX, I called Mid-South Adjustment at phone number XXXX to setup a payment plan for bill they are attempting to sue/ collect on. I spoke with XXXX in customer service. She stated that I would have to pay {$170.00} immediately and {$170.00} there after until paid off. I shared with her that I could not afford that. She replied no payment was refused and that I can submit XXXX months of bills and pay subs to see if I qualified for a lower amount. At that times stated that I will make sure the judge know when I called to try to setup something that they would not work with me. And the call ended. My income and bills is private. I should not have to provide that information when attempting to setup a payment arrangement at amount that I could afford. I am not aware of any finance, leasing and or rental companies asking for such before approval. TheFair Debt Collection Practices Act ( FDCPA ) is a federal law ( 15 U.S.C. 1692-1692p ) that prohibits third-party debt collectors from using abusive, unfair, or deceptive practices to collect personal, family, or household debts. Mid-South Adjustment also increased the amount owed from {$1200.00} + to {$1700.00} + after asking for bill valuation. Fair Debt Collection Practices Act As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act Debt XXXX themselves can not arbitrarily add fees to your debt.They 're simply the messengers, relaying the terms already set by the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT IS TRYING TO SUE ME FOR A DEBT THAT HAS NOT BEEN VERIFIED/ I AM A VICTIM OF IDENITY THEFT AND HAVE POLICE REPORTS OF THE INICIDENT THAT HAS HAPPENED YEARS AGO. THEY NEVER ONCE SENT VERIFICATION TO PROVE THAT I OWE THE DEBT THAT THEY ARE TRYING TO COLLECT ON AND BY LAW THEY HAVE TO DO THAT! THEY ARE THREATENING TO TAKE ME TO COURT IF I DON'T CALL AND MAKE AN AGREEMENT TO SETTLE BUT THE DEBT ISN'T MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Called to get the amount of money it will take to purchase the vehicle before the lease is up. They told me they would send me a letter with a quote valid until XX/XX/XXXX. It is currently XX/XX/XXXX and the letter will arrive in 7-10 business days so by the time the letter arrives the quote will be invalid. The other option was to fax which will take 2 business days, again not enough time to actually buy the vehicle. My lease contract stipulates a 10 day payoff is required to be given to me. Upon escalating to some other rep, it was offered again to be faxed or mailed but this time it would be a 10 day payoff. But again, it would not arrive for 7-10 BUSINESS days. Upon some more pressure he said he would have it sent to my online portal which would still take 2 business days. He was not able to tell me what the actual buyout number was and I have to wait. This seems particularly difficult given its 2026 and every individual and financial institution routinely uses email and secure mail. No one has fax machines anymore. This seems to me to be a delay tactic intended to cause friction so that I dont purchase the vehicle. There is no plausible reason that getting a payoff letter should be anything other than instantaneous. Not also that in my online portal it says Im ineligible to buy the vehicle so Im unable to access a letter that way. This is materially false.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC is reporting a collection account on my credit report that does not belong to me. I have never opened an account, entered into any agreement, or had any financial relationship with this company. I do not have any legal obligation or contractual debt with LVNV Funding LLC, and I dispute this item in its entirety. This reporting appears to be inaccurate and unauthorized. I am requesting that this account be immediately investigated and removed from my credit report, as it is being reported in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: UT

Complaint narrative:
I opened a business checking account with a promotional code on XX/XX/XXXX. Even though online records show a transfer being initiated from my credit card on XX/XX/XXXX, the bank said the account wasn't actually opened until XX/XX/XXXX. That's ok though as even with the account being opened on XX/XX/XXXX I still meet the promotional requirements. The promotion called for a total of {$25000.00} being deposited within 30 days of opening the account and then that {$25000.00} had to stay in the account for 60 days from the account opening. There was also a requirement to make 5 qualifying transactions which I also fulfilled. I deposited {$3000.00} on XX/XX/XXXX and {$22000.00} on XX/XX/XXXX fulfilling the requirement to deposit {$25000.00} within 30 days of opening the account. I kept that {$25000.00} in the account until XX/XX/XXXX which is 61 days from account opening on XX/XX/XXXX. The bank is claiming I only kept the {$25000.00} in the account 59 days, but counting XX/XX/XXXX as day 1, that makes XX/XX/XXXX day 60. The bank is trying to not count XX/XX/XXXX as day 1, but it clearly was the first day of the account being opened and therefore I had the money in there for 60 days.

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 2026-04-22 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: Westlake Services, LLC
State: MD

Complaint narrative:
I am submitting a formal complaint regarding a loan issued by XXXX Bank and serviced by Covered Care, which is directly tied to services provided by XXXX. I disputed this loan because the services associated with it are in dispute. My concerns include issues related to the services rendered and whether they were properly delivered as agreed. On or about XX/XX/year>, and again on XX/XX/year>, my dispute was forwarded to the service provider by the financing company. However, I was later informed that the provider completed an internal review and determined that the services were valid. The financing company relied entirely on the providers response and did not conduct an independent or reasonable investigation into my dispute. Instead, they concluded that the loan remains valid based solely on the providers statements. I continued to dispute the debt and requested further review and documentation. In response, I received a final response letter stating that no further action would be taken and that the matter was considered closed, despite my ongoing dispute. The companies have refused to meaningfully investigate my claims or provide sufficient documentation supporting the validity of the debt beyond the providers assertions. Because this loan is directly tied to the disputed services, I am asserting my rights under the FTC Holder Rule, which allows me to raise claims and defenses against the lender that I have against the service provider. Additionally, I am concerned that the failure to conduct a reasonable investigation and any potential inaccurate credit reporting may violate federal consumer protection laws, including the Fair Credit Reporting Act. I am seeking a proper investigation, enforcement of my rights, and appropriate correction or cancellation of the loan if it can not be substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Apparently someone opened a XXXX XXXX card in my name in XXXX of last year and now a collection agency is calling me trying to get me to pay. Any and all debt I had was paid off through XXXX XXXX XXXX and I dont have and XXXX XXXX cards opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have XXXX fraudulent charges on my account that I didnt authorize.on my account. I notified the merchant and was told I couldnt even though I did not authorize them to do so. My account has been issued a new debit card so my account wont get any more charges. I have screenshots of me telling the company about these fraudulent charges so that my temporary can be permanent because I never authorized these charges in my account for the amounts of {$57.00} and {$74.00}. I have no idea what is going on with their system and I tried numerous of times to cancel these orders and said it cant be cancel. How can they try to make me buy something I never wanted or authorized to purchase in the first place. A screenshot that I sent shows a message that says it cant not be canceled. I asked them not to send whatever that was charged to my account and Im sending proof that I did everything that I was supposed to do to solve this situation but I have been unsuccessful in doing so. If you look at the screenshot it says that for both orders. Whatever is going on with their faulty system caused these unauthorized charges.

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 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bankers Auto Acceptance
State: CA

Complaint narrative:
Issue Summary : Retaliatory credit reporting, breach of written communication directives, and failure to process a voluntary surrender/dispute after a XXXX perfect payment history. Detailed Statement : I initially contacted the office and spoke to XXXX XXXX regarding a possible payment deferment. She got very rude and said no and said they will be picking up the car. I asked to speak to a supervisor, as I was totally insulted that a good customer would be treated in such a manner. We have a XXXX perfect payment history with Time Finance and for XX/XX/XXXX months, we continued paying on an inoperable vehicle. On XX/XX/XXXX, I spoke with Supervisor XXXX XXXX regarding the vehicle 's condition ( catalytic converter/O2 sensors ). She agreed to a XXXX interest-only deferment ( Nov/Dec ) and requested a PNO from the DMV, which I provided.The terms of that agreement were met. That called was recorded and the co-borrower was on the call as well. On XX/XX/XXXX, I emailed Rep XXXX XXXX requesting an extension of this plan based on the remaining maximun allowable months and provided all requested income documents. Following this, the lender ceased all meaningful communication for over 30 days. On XX/XX/XXXX, I sent a First Demand Letter ( Priority Mail ) invoking my right to voluntary surrender and a Cease and Desist on telephonic contact and our credit reports be updated to in dispute until we resolve this issue. The XXXX letter was sent on XX/XX/XXXX. On XX/XX/XXXX, a Final Demand Letter ( Priority Mail ) was received in their office reiterating the account dispute and pickup request. Despite these formal written directives, Time Finance willfully violated my rights by attempting phone contact on : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XXXX @ XXXX ( Post-Final Demand ) XX/XX/XXXX @ XXXX ( Post-Final Demand ) Lender has since removed the " Dispute Status '' and reported multiple " Late '' marks to credit bureaus, including a fabricated historical late mark from when the loan was sold. This is an attempt to change the narrative and retaliate against a consumer who has fulfilled all good-faith obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing a formal complaint against PayPal regarding their failure to honor their Buyer Protection policy in Dispute Case ID : XXXX. On XX/XX/XXXX, I purchased a bamboo armrest tray for {$90.00} using PayPal specifically because of the protections they advertise against fraudulent sellers and non-delivery. After waiting approximately XXXX weeks, I never received the item. The seller claimed the item was delivered to a parcel locker. This is not possible, as I live in a single-family residence with no parcel lockers, HOA, or shared delivery system. I requested proof of delivery showing my name and address, and the seller failed to provide any such documentation. The only information provided was a vague tracking update indicating delivery to a parcel locker somewhere within my city, with no confirmation tied to my address or identity. I opened a dispute with PayPal, and despite the complete lack of valid proof of delivery, PayPal ruled in favor of the seller. I appealed this decision, and on XX/XX/XXXX and XX/XX/XXXX, PayPal upheld the denial without requiring proper proof that the item was delivered to me. PayPals actions demonstrate a failure to properly investigate disputes and a disregard for their own Buyer Protection standards. They are allowing sellers to submit insufficient and misleading tracking information as proof of delivery, leaving consumers unprotected. I am requesting : - A full re-investigation of this dispute - A clear explanation of how the sellers documentation met PayPals standards - A refund of {$90.00} for the item that was never received PayPal markets itself as a secure payment platform, yet in this case has failed to provide the protection it promises, resulting in financial loss due to a likely fraudulent transaction. I request that PayPal be required to correct this issue and issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: CA

Complaint narrative:
I am filing this complaint regarding U.S. Banks failure to prevent a fraudulent checking account from being opened in my name, despite active fraud alerts, freezes, and prior notice of identity theft involving my Social Security number. Approximately XXXX months before XX/XX/year>, U.S. Bank contacted me regarding an attempted checking account opening under my Social Security number. At that time, the bank recognized and acknowledged the fraud alerts, freezes, and security protections in place on all three of my credit reports and on my ChexSystems report. Because those protections were in place, U.S. Bank contacted me before any account was opened, and I confirmed that I did not open the account. U.S. Bank acknowledged that the attempt was fraudulent. Then on XX/XX/year>, U.S. Bank allowed another checking account to be fully opened in my name. This time, I was not contacted before the account was opened. I was only contacted afterward with a message thanking me for opening a checking account. This occurred even though the same fraud alerts, freezes, and security protections were still in place on all three of my credit reports and on my ChexSystems report. I reviewed my ChexSystems file, and it reflects that I had both a fraud alert and a freeze in place. It also does not show that this account was verified through ChexSystems. Less than XXXX months after U.S. Bank recognized that my Social Security number had been used in a fraudulent attempted account opening, the bank allowed another account to be opened in my name without following the same security and verification procedures it had used the first time. I am seriously concerned that if U.S. Bank is not held legally accountable, this will happen again. This repeated failure has caused significant mental and physical strain, worsened existing health issues, caused loss of sleep, and placed an ongoing burden on my health, time, and ability to function day to day. I have already been dealing with serious physical and mental health issues for the past XXXX years, and this situation has made those issues worse. U.S. Bank is also requiring affidavits and out-of-pocket notary costs from me to fix a fraudulent account that should never have been opened in the first place. I do not believe I should be forced to spend money to correct a problem caused by U.S. Banks failure to follow proper security, verification, and fraud-prevention procedures. I dispute this account in full, deny any responsibility for it, and request written confirmation that the account is fraudulent, that I am not liable for any transactions, fees, or consequences tied to it, and that any related records or reporting will be corrected or 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 explanation
Consumer complaint received 2026-04-22 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: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
We currently are trying to get paid from the mortgage company on an insurance claim.They are holding our money and giving us the run around to release funds so we can complete our construction. They released a small amount a few months ago and requested an inspection. The inspection company they hired submitted the wrong report showing we were only done with 20 % of repairs where we are 75 % complete. The inspector admitted that they made a mistake we even have a letter from the inspection company and they are still not releasing funds. I have no money to pay my contractor I already depleted all my savings waiting for these funds. I will run out of housing in XXXX and we can't complete the job. Roundpoint mortgage is a fraud they are holding on to our money with no resolution. I call daily and get no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — Store credit 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:
On XX/XX/XXXX, I purchased a XXXX XXXX '' OLED TV ( Order # XXXX ) at XX/XX/XXXXfor {$2000.00}. The unit was defective immediately upon purchase. On the same day, XX/XX/XXXX, I returned the defective TV to the merchant. I received an official electronic " Return Items '' receipt for the full amount of {$2000.00}. Despite this, the credit was never properly applied to my XXXX account, or it was incorrectly reversed. For the pastXX/XX/XXXX months, I have attempted to resolve this billing error with Synchrony Bank. I have provided the merchant 's return receipt as evidence, yet the bank recently closed my dispute on XX/XX/XXXX, claiming " no proof of credit was received. '' I have never owned XXXX televisions from this transaction ; there was only XXXX purchase that was fully and legally returned. The bank is forcing me to pay for merchandise that I do not possess and that they have proof was returned. This is a clear violation of the Fair Credit Billing Act ( FCBA ). I am being charged interest and late fees on a balance that should be 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