vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Request for Immediate Review and Release of Deposit Hold To Whom It May Concern, I am writing to formally request an immediate review of the extended hold currently placed on my deposited check and to seek clarification regarding the basis for this decision. The check in question is a settlement payment issued by the same settlement administrator and drawn on the same banking institution involved in prior deposits. During my efforts to resolve this matter, I have spent several hours speaking with multiple Chase representatives. I have been advised that both the issuing institution and the settlement administrator have verified the authenticity and validity of the check. Despite these verifications, I have been informed that the full amount of the deposit will remain subject to a seven-business-day hold. This is particularly concerning because similar extended holds have been placed on my deposits on multiple occasions, even when the deposited items were legitimate, verifiable, and ultimately honored without issue. I fully understand the importance of fraud prevention and risk management. However, in this instance, the check has already been independently verified, and I have not been provided with a clear explanation as to why the hold remains necessary. Given the circumstances, I respectfully request that the deposit receive immediate managerial review to determine whether the hold can be released or shortened. I would also appreciate a written explanation addressing the following : The specific reason for the hold on this deposit. The policy, risk criteria, or regulatory authority supporting the hold. Whether any additional information or documentation is required to facilitate the release of the funds. What factors would need to change for similar deposits to avoid repeated extended holds in the future. The continued delay in accessing these funds is creating a significant financial hardship. As a customer acting in good faith and depositing a verified check, I am requesting that Chase conduct a prompt and thorough review of this matter and provide a reasonable resolution as soon as possible. Thank you for your time and attention. I look forward to your response and to a fair resolution, if one is not provided I am thinking about retaining counsel for this matter as I am being discrimated against due to having a lack of income, despite the fact I have never had a check returned and every check I have deposited in this account has gone through with no issues what so ever. Sincerely, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: DE

Complaint narrative:
Rocket Mortgage ( through a representative named XXXX XXXX, NMLS XXXX ) repeatedly contacted me by phone and text about a homeequity product after I clearly told them to stop. On [ insert date of your green XXXX text ], I sent a text saying XXXX and also explicitly wrote that I would not be utilizing their services, asked them to stop texting me daily, and asked them not to call me. Despite that, they continued to text and attempted to call on multiple days afterward. These messages were purely marketingthey were not required account or servicing communications. The issue is not financial loss but repeated harassment and loss of peace of mind after I withdrew consent to be contacted. I am already a Rocket Mortgage customer, and this outreach was trying to sell me additional products based on equity in my home, not to service my existing loan. I complained to XXXX and to the XXXX XXXX XXXX. XXXX response was a generic apology that essentially acknowledged the behavior was wrong but did not provide a meaningful explanation or corrective action. I have since received a written confirmation that they will stop, but based on their past behavior I do not trust that they will honor it without regulatory oversight. I am asking the CFPB to review Rocket Mortgages practices for honoring consumer stop and optout requests for marketing communications, and to require them to : Permanently honor my donotcontact request across all channels and affiliates. Explain why my prior stop requests were ignored. Implement stronger controls so this does not happen to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
XXXX has sent a debt to this company and I never owed them. I was overcharged for XXXX months and it was verified. Then they applied the charges to my account as a negative instead of positive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CARS Acquisition, LLC
State: TX

Complaint narrative:
My truck loan was taken over by financial car services. I have paid the car note without any issues and currently I was laid off in my job and exhausted unemployment benefits. I called and told my car people that Im having a financial hardship if they could defer the month of XXXX and pay XXXX to be current. Because of my hardship and not working they used that to their advantage and said they dont feel comfortable deferring a payment even though I have made all the payments up to date. They advised they will come and get the vehicle instead of working with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a XXXX XXXX cardholder. Capital One terminated/modified my rewards account on XX/XX/year> and forfeited {$1200.00} rewards. I did not receive the notice and XXXX opportunity to redeem accumulated rewards required by XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. I requested to speak to various supervisors on the matter. I first spoke to XXXX, employee ID XXXX on XX/XX/year> and he outright refused to escalate my situation to anyone and said that he did not care about the XXXX XXXX. I then called back and spoke to XXXX, another manager, who said he submitted the case to a Reward supervisor who would be able to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Valon Technologies, Inc.
State: IL

Complaint narrative:
My mortgage was recently transferred to a new servicer, but I discovered that I have been charged an incorrect PMI amount. According to my closing documents, my monthly PMI premium for years XXXX should be {$200.00} per month. However, my previous mortgage servicer was collecting {$310.00} per month for PMI. After my loan was transferred, the new servicer continued charging the same incorrect PMI amount of {$310.00} per month instead of the amount stated in my closing documents. * Loan closing date : XX/XX/XXXXXXXX XXXX PMI amount listed in closing documents : $ XXXXXXXX XXXX Previous servicer charged : $ XXXXXXXX XXXX Loan transferred to current servicer : XX/XX/XXXXXXXX XXXX Current servicer continues charging : $ XXXX XXXX Difference being overcharged : $ XXXX Actions I Have Taken : * Reviewed my closing documents and confirmed that the PMI premium is listed as {$200.00} per month for years XXXX. * Contacted the current mortgage servicer and the first servicer and requested a review of the PMI calculation. * Provided or offered to provide copies of my closing documents showing the correct PMI amount. * Requested correction of the monthly PMI charge and reimbursement of any overcharges. The first servicer is telling me we dont have the loan anymore and that is all no other answer, i send email to them and they onluy send me statements but no reason or solution! The servicer that i am now first told me call the first servicer because we saw that you were paying this amount from the first XXXX but not willing to review the documents and find a solution, i emailed also the current servicer for reason and correction of my PMI and first time i got only an automated email that your PMI will be canceled in this year after you complete the XXXX percent and i emailed them again but no response. I have been calling and emailing them for like XXXX month but no response or solution! Requested Resolution : I request that the mortgage servicer : 1. Review my loan and PMI records. 2. Correct the PMI amount to match the closing documents and Loan from FHA to Conventional like closing documents originally says. 3. Refund or credit all PMI overcharges collected to date. 4. Provide a written explanation of how the PMI amount was calculated by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I received a letter dated XX/XX/XXXX from Nelnet stating my student loan is in forbearance and they will be in contact. My students loans were forgiven under XXXX in the XXXX, and there were no student loans. I created an account because Nelnet was not my student loan provider, previous XXXX, and the balance shown was {$95000.00} with interest accruing. I called Nelnet on XX/XX/XXXX at XXXX and spoke with XXXX XXXX She stated my forgiven loans were reinstated and will be reversed to be XXXX do to a borrower 's defense application. She stated she could not answer any questions about the timeframe to remove the loan could be months or years. I asked how will this impact my credit because the student loans were gone for XXXX years and now reappeared XXXX years later. XXXX stated it will show as active but not past due. I asked for more information, she stated I need to speak with the Department of Education and the borrower 's defense, and she provided the number XXXX. I logged back into my Department of Education account and found an account balance of {$95000.00} with interest accruing ; plus showing I met the XXXX qualifying payment in XX/XX/XXXX. I have saved a copy of the letter in the communication log showing that my loans were forgiven and XXXX as of XX/XX/XXXX. I called the number provided and spoke with XXXX at XXXX. XXXX could not answer any of my questions and could not provide any timelines, nor impacts to my credit reports but stated repeatedly " almost finished with the process '' when asking about the borrower defense applications. A review showed the borrower defense applications were submitted in XX/XX/XXXX, prior to the loans being forgiven XXXX years later ; and were reopened in XX/XX/XXXX ; almost XXXX years later. After further inquiry she provided an email address XXXX with any inquiry. I emailed through the Account Dashboard, and to date ( XX/XX/XXXX ) I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Mitigation Services, LLC
State: MN

Complaint narrative:
XX/XX/XXXX Revenue Reporting services called my mom and disclosed I had an unpaid debt. Right after I had a missed spam call and a voicemail that just said this is XXXX from XXXX call back and left a number so of course Im not calling back. I never received any mail correspondence and when I searched my emails I had one in my junk folder from last week and said I have until XX/XX/XXXX to dispute and they will not contact until then. So XXXX. They are contacting before the XX/XX/XXXX date and continuing to do so even when asked not too. XXXX. They are breaking the Fair Debt Collection Practice Act and disclosing to family members I have a unpaid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I did some work for somebody and they started a dispute and scam me out my Cash App in negative

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding BMO and its refusal to honor a promotional cash bonus offer tied to a new account opening. BMO advertised a promotion offering a {$2500.00} cash bonus for customers who : Opened a qualifying new Growth Money Market account, Deposited at least {$250000.00} or new money within 30 days of account opening, and Maintained the required balance for an additional XXXX period ( days XXXX through XXXX ). I opened the account on XX/XX/XXXX. I deposited {$250000.00} into the account on XX/XX/XXXX, which was within the required XXXX funding window. I maintained the required balance of {$250000.00} through the promotional holding period and did not transfer funds of {$7500.00} to my wife until XX/XX/XXXX. XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that this was fine and the promotional incentive would be honored in our phone call. Additionally, at the time of the transfer I was traveling in XXXX, where it XXXX have already been XX/XX/XXXX, due to the time difference. I believe BMO is now claiming that I failed to satisfy the promotional requirements because the withdrawal occurred a few hours before the exact expiration of the XXXX period according to their internal timing calculations. I believe this position is unreasonable and inconsistent with the plain language and consumer understanding of the promotion. The promotional terms described the requirement in terms of calendar days, not precise hourly calculations tied to the exact account-opening timestamp. By any reasonable interpretation, I fulfilled the stated requirements by : Funding the account within 30 days, Maintaining the qualifying balance throughout the required XXXX maintenance period, and Not withdrawing funds until XXXX XX/XX/XXXX, which corresponds with the completion of the promotional timeframe. I am requesting that the CFPB review this matter and assist in ensuring that BMO honors the advertised {$2500.00} promotional bonus. I have retained documentation relating to : The promotional offer terms, Account opening date, Deposit confirmation, Account statements showing maintenance of the required balance, and The timing of the withdrawal transaction. Airline travel dated documents.

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 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I requested a balance transfer of {$3800.00} from my XXXX credit card to Bank of America. XXXX has confirmed in writing that the balance transfer was processed and that a check was sent to Bank of America on XX/XX/XXXX. I later learned that I had mistakenly provided my Bank of America checking account number instead of my credit card account number. Because of this, I contacted Bank of America and requested an investigation to determine where the funds were applied. Bank of America conducted an investigation and informed me that no transfer or payment could be found and that I remain responsible for the balance. However, when I visited a Bank of America branch in person, I was informed that the check/payment record appears in their system. XXXX has stated that the payment was sent and that the receiving bank must investigate where the funds were applied. I am requesting that Bank of America conduct a complete investigation, identify where the {$3800.00} payment was applied, provide supporting documentation, and correct any account records if necessary. I believe the previous investigation was incomplete because XXXX has confirmed the payment was sent, while Bank of America states that no transfer was found.

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against M & T Bank for a violation of Federal Regulation E regarding a debit card charge of {$410.00}. I purchased a travel package from the merchant " XXXX XXXX XXXXXXXX. '' The merchant completely ghosted me and failed to deliver services. M & T Bank denied my dispute because the merchant falsely claimed they sent me a letter in the mail. I never received any letter. M & T Bank is refusing to investigate a clear case of " Services Not Rendered '' and is allowing a scam merchant to keep my funds. I have attached my formal handwritten appeal letter as proof.

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 2026-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
My work check was garnished for a car that I surrendered back in XXXX I only had it for about XXXX months. But now that the debt had been paid the debt collectors are still taking my money. The debt amount that was stated owed in garnishment was XXXX but so far I have paid XXXX and they are still taking out of my check. I have paid XXXX from my work checks and my state income tax check for XXXX was taken and given to them as well and I have a letter from the state with proof of that and they still wont release me and taking my money. Please help. They also never reported to my employer or to XXXX who my employer go through for wage garnishment that they even received my state check as apart of the payment for the garnishment. But they did receive it and admitted to it when I called them. They also keep trying to say I owe them more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have been with Bank of America for 20 years, and starting from Day XXXX, I have been using my phone number ( ending in XXXX ) with BofA as the primary number on all my BofA accounts including checking and credit cards service. I have been using BofA premium credit card ( ending in XXXX ) since XX/XX/year>, and it has been all good until recently. In short, my issue is that my credit card usage is heavily restricted by BofA through its new feature called " XXXX Secure ( XXXX ) verification '' or " Verified by XXXX ''. ( https : XXXX ) Several weeks ago, BofA removed my primary phone number ( XXXX ) from this feature, making it impossible for me to receive a One-Time Passcode ( OTP ) via SMS. This persists even though my primary phone number ( XXXX ) is properly set up and associated with BofA, as confirmed on both the webpage and in the app ( see attached screenshot ). In contrast, the other two phone numbers ( XXXX and XXXX ), which belong to the authorized user, can receive the XXXX successfully. This issue is not limited to any particular merchantit occurs with all merchants. Therefore, this is not due to any merchant 's action but is entirely an issue originating from BofA.

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 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: IA

Complaint narrative:
I have not received the title to register the car in my name. I have reached out multiple times and have screenshots of all the emails. I have had the possession of the car for 3 years and still have not received a title or a way to register the vehicle in my name.

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
Account was closed in XX/XX/year> funds where supposed to be issued 60 days after that its now XXXX past the companies policy their lying about releasing my funds an I personally Feel like its discriminating against me at this point. Ive provided documentation as needed a their still holding my funds illegally past the given time frame I am disappointed with USAA and this is not how this bank is supposed to treat customers of XXXX years

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