vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Chime Financial Inc
State: NC

Complaint narrative:
Chime : XX/XX/year> {$1500.00} {$1500.00} XX/XX/year> {$700.00} {$670.00} I filed police report case # I filed with Federal trade of commission I filed dispute 4x with chime I am a victim of a documented rental scam. I sent funds via my account which were obtained through fraud. I have filed a police report and submitted all documentation. My bank has delayed or denied provisional credit under Regulation E. I am requesting immediate provisional credit and full investigation into unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home 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: RENASANT CORPORATION
State: GA

Complaint narrative:
My wife requested a loan modification with our servicer, XXXXRenesant Bank XXXX XX/XX/year>. They responded back in XXXX with an approval letter and a new payment amount of {$1400.00} due XXXX. The last week of XXXX, we received a letter from XXXX notifying us our loan was now being serviced by XXXX effective XXXX XXXX. When she called in to XXXX to pay on XXXX XXXX, they would not take payment, and instructed her to pay the new servicer. She then called XXXX, who said to call back next week, as all the documents have not been received on the loan. She called back on XXXX XXXX, and the rep took her original payment amount of {$1200.00}. When she asked about it, he informed her there was no modification in the system. He told her he would request a research on her account, send documentation outlining the issue, and that she can upload her copy of the modification to the XXXX site in the interim. When we called XXXX back after the call with XXXX, no access was granted as the loan was transferred and no living associate was reachable after numerous calls.

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: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been a loyal American Express customer since XXXX, and I am writing to formally raise a concern regarding my recent experience with the XXXX XXXX XXXX. I applied for the XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I used the instant card number to make purchases totaling {$8000.00} and promptly paid the full {$8000.00} balance on XX/XX/XXXX. However, as of today ( XX/XX/XXXX ), I still have not received the physical card. I was also informed by customer service that the instant card only has a {$10000.00} limit and that this limit does not refresh even after payment. The reason I am raising this issue is that I attempted to make an additional {$6000.00} purchase, but the transaction was declined due to the instant card limit. This experience has been very disappointing and does not meet the expectations associated with a premium product such as the XXXX XXXX XXXX, especially considering the {$890.00} annual membership fee. I was also surprised to learn that the card shipment was sent without a tracking number, which further complicates the situation given the delivery delay. As a long-time customer, I would appreciate your assistance in reviewing this situation and helping resolve the issue as soon as possible. I hope American Express can provide a solution that reflects the level of service typically associated with its premium products. Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
My statement date is the XXXX of each month. This can not be changed. My automatic payment is scheduled for the XXXX of each month. This can not be changed. My XX/XX/XXXX payment was my first payment. I think that there was no statement because there was no activity in the account by the XXXX. My checking account shows a {$90.00} payment to Synchrony on XX/XX/XXXX. The Synchrony website shows the correct remaining balance on my credit card. When I logged into my XXXX XXXX credit card account with Synchrony, there was no XXXX statement at all. I received no notification from Synchrony that they were going to pull my {$90.00} payment from my checking account. I did call Synchrony this morning, requesting a XXXX statement. The representative hung up on me.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have been trying to add a linked bank to my Cash App for months and my account even closed and I still cant access my funds or add a linked bank they have gave me numerous answers which all of them did not work and was also XXXX answers, I been trying to pay rent for the past month I am literally being let down by XXXX XXXX which wont let me touch my money its been over 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I received an email notification stating that my escrow analysis is available for review. However, the document provided is not current. The statement and the linked explanation both reference XXXX, not the current escrow analysis. This is the same issue I experienced last year. In addition, the information displayed on my account is contradictory and confusing : The main page indicates that my monthly mortgage payment is increasing again On that same page, I am instructed to begin making a new LOWER payment starting XX/XX/XXXX At the same time, I am shown an escrow surplus of {$860.00}, which states that it will be refunded to me by check ( payment history shows refunded XX/XX/XXXX yesterday ) These statements directly contradict XXXX another. According to the information shown on my account : XXXX XXXX XXXX {$860.00} Lowest Projected Escrow Balance : {$2600.00} Required Minimum Balance : {$1800.00} This clearly indicates a surplus, not a shortage. Because a current escrow analysis was not provided, I completed my own review. Based on my calculations, my escrow surplus more than covers the increases in my escrow expenses : Property tax increase : {$320.00} Homeowners insurance increase : {$190.00} Even with these increases, there should not be an escrow shortage requiring a payment increase. For reference : Homeowners insurance XXXX XXXX : {$2400.00} XXXX XXXXXXXX : {$2600.00} XXXX Increase : {$190.00} Property taxes XXXX Prior amount : {$7800.00} XXXX New amount : {$8100.00} XXXX Increase : {$320.00} As instructed last year - to avoid an increase I could add funds into escrow- on XX/XX/XXXX I added {$1000.00}. directly into my escrow account. long before this process began. rather than use my funds to cover estimated increases it is being refunded to me I am formally requesting the following : XXXX. My current and complete escrow analysis XXXX. A clear explanation of why my surplus is being refunded instead of applied to cover the increased escrow costs XXXX. apply my surplus to my escrow in leu of increasing my monthly mortgage payment This situation does not make sense, especially since last year I was told the payment increase was due to estimated cost increases. Once again, I am being charged more while documentation is missing, and the account data is contradictory. I am sure the annual mortage increase helps collect more interest for them. it isn't right when we keep adding funds each year to our escrow accounts and nothing is resolved Please help me to correct this issue as soon as possible. Year after year they do this to many people, many complaints on the 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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: NM

Complaint narrative:
In XXXX of XXXX I took out a loan for {$2400.00}. It is now XXXX of XXXX. I have been paying over {$85.00} every XXXX weeks on time with no missed payments. I have currently paid over {$1600.00} toward the loan. Upon checking my balance today, I am showing the principle balance is still currently {$2300.00}. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: HI

Complaint narrative:
Records reflect a charge-of/write-off of this alleged debt and they have failed to provide the required IRS Form 1099-C, which is necessary to confirm the reporting of this debt as forgiven by Milestone and or LVNV and any related taxable event. Inaccurate Reporting Under the FCRA, thry are obligated to ensure that all information reported to consumer reporting agencies is accurate and complete. Reporting an alleged charge-of/write-off without issuing the appropriate IRS Form 1099-C is misleading and inaccurate, violating 15 U.S.C. 1681s-2. False or Misleading Representations Under the FDCPA, false or misleading representa tions concerning the character, amount, or legal status of a debt are prohibited ( 15 U.S.C. 1692e ). Reporting an alleged debt without proper documentation to substantiate the write-off or forgiveness constitutes a clear violation. Unfair Practices Reporting without proper reconciliation and compliance with legal obligations violates 15 U.S.C. 1692f, which prohibits unfair or unconscionable means to collect or attempt to collect any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
They took {$620.00} and didnt even tell me they were I need my money back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX INFORMATION DISPUTED BY CONSUMER /CREDITOR : EXETER FINANCES LLC XXXX {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I opened a bestbuy card in XXXX or XXXX. I used it once, paid it off within the promotional period and hadn't used it again. About XXXX years ago I went to the best buy website and tried to log in as I was thinking of making a purchase. It said my account was closed due to inactivity. Today I saw an ACH payment taken from my account and was able to figure out that my account was active and they have been charging me XXXX annual fees for the past XXXX years. I called and they refunded this year 's fee and I closed my account. When I called I didn't realize there was more than this year 's charge. So I had XXXX annual fees for a card that had been apparently closed and then reopened without my permission or knowledge. Payments taken from my checking account : XXXX XXXX of XXXX charged to the bestbuy account XXXX XXXX - rest of XXXX dollar annual fee with a XXXX min fee XXXX XXXX of XXXX charged XX/XX/XXXX XXXX rest of annual fee with XXXX fee XX/XX/XXXX XXXX Annual fee XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Financial Services Solutions, Inc.
State: WI

Complaint narrative:
I am an enrolled client with XXXX XXXX XXXX. I have made multiple written requests over a period of more than XXXX business days for a copy of my signed contract and a full, itemized breakdown of all fees charged to my account. The company has failed to respond to any of my requests. I am concerned about potential overcharging and the lack of transparency regarding my account. I am requesting that the company provide my contract and a full accounting of all fees 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am filing this complaint against Wells Fargo regarding an unfair negative reporting on my credit file ( a XXXX point drop ) caused by a lack of transparency and communication during the XXXX Rewards servicer transition. The Situation : I previously held a XXXX account, but after XXXX shifted its partnership away from Wells Fargo, I never explicitly opened a new, independent credit account with Wells Fargo, nor did I receive or activate a Wells Fargo branded physical card. Since I never used a Wells Fargo card for any purchases, I had no reason to believe that any balance or " past due '' amount existed under my name with this institution. The Failure of Communication : XXXX. Hidden Balance : It appears a residual balance or fee was transferred to a Wells Fargo account that I was unaware existed. I did not receive any clear billing statements via mail or email notifying me of this specific debt or the creation of a new login requirement. XXXX. Technical Harassment/Failure : I received several phone calls from Wells Fargo XXXX However, every time I answered, there was total silence on the other end ( dead air ), which prevented any meaningful communication or resolution. XXXX. Severe Credit Damage : Because of this administrative confusion and the bank 's failure to provide a functional communication channel, a " Past Due '' mark was reported to the credit bureaus, causing my credit score to plummet by XXXX points overnight.

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 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: AZ

Complaint narrative:
I had received XXXX notices from the same company called XXXX XXXX XXXX saying that I had owed {$31.00}, {$8.00}, {$17.00} and {$6.00} from XXXX, and included the last XXXX of my bank account in the letter, this is the same bank account connected to my XXXX app. I called XXXX to see if they had any information about me owing these debts and they confirmed that I DO NOT owe anything to XXXX. When I called the number on these notices it would not connect me to a live agent and would tell me to dispute it via their website. This is a scam.

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 — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against JPMorgan Chase Bank , N.A . regarding the improper escheatment of {$120000.00} in cashier 's checks, failure to provide legally required pre-escheatment notice, and the use of misleading language on their cashier 's XXXX XX/XX/XXXX and XX/XX/XXXX, I purchased XXXX ( XXXX ) cashier 's checks from JPMorgan Chase totaling {$120000.00}, with myself as both remitter and payee. The following violations occurred:XXXX. XXXX XXXX. Under 12 U.S.C. 2503, Chase was required to remit these funds to Florida the state of my last known address. Instead, Chase escheated the funds to Ohio, their state of incorporation, applying the Secondary Rule despite having my Florida address on file through my multiple active accounts and paper monthly statements mailed to my XXXX XXXX XXXX. Failure to Provide XXXX Notice. Chase never notified me that these funds were at risk of being escheated not by mail, not by email, not by phone, and not by any other means. This is a direct violation of Florida XXXX XXXX. Misleading Check XXXX. Each cashier 's check bore the language " void after 7 years, '' which is legally inaccurate. It was precisely because of this language that I visited my Chase branch on XX/XX/XXXX to present the earliest checks before what I believed to be their expiration date only to be told the funds had already been escheated years earlier under a XXXX dormancy rule Chase never disclosed to me.When I visited my local Chase branch on XX/XX/XXXX with all original checks in hand, branch staff confirmed the funds had been escheated and declined to assist me. I have filed a claim with Ohio Unclaimed Property ( Claim # XXXX ), however I should not be required to wait for Ohio to process this claim when Chase has an established remedy available : the Holder Reimbursement process, through which Chase can pay me directly and recover the funds from XXXXI am requesting that the CFPB require JPMorgan Chase to immediately honor the cashier 's checks in my possession or deposit the full amount of {$120000.00} into my Chase account. I am also entitled to interest for each year Chase failed to properly remit these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: WLCC
State: MS

Complaint narrative:
I applied for a loan with Enable Loans ( Application # XXXX and # XXXX ) and was denied. I received an Adverse Action Notice that failed to provide the specific reasons for denial, instead directing me to contact the company. I attempted to contact them via the email provided in their own letter ( XXXX ), but the email was returned as 'Address not found ' ( see attached ). I also called the number provided and was unable to reach a representative who could provide the legally required disclosures. This is a violation of Regulation B, which requires creditors to provide specific reasons for denial upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I have disputed this debt on my XXXX XXXX account multiple times with each time being denied. I am the victim of identity theft as reported to the ftc and the XXXX attorney general. Someone stole all my info and used it to open up credit in my name charging XXXX of dollars to my credit report. I cant remember the dates or times because I have short term memory loss but I have written notes on what was disputed. This isn't my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase has illegally taken money out of my account. There was a XXXX transfer not authorized by myself. Chase refuses to refund me due to illegal activity being performed by the company. I have hired an attorney due to Chases mismanaging of my account. an associate named XXXX is incompetent and ignorant please dont assign her to this case

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: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a Chase XXXX XXXX XXXX card that is supposed to credit back cash toward the taxes incurred when using the card to purchase flight using their XXXX rewards. This used to happen automatically until about XXXX years ago. Since then, my card ( and my father 's XXXX XXXX ) no longer gets the cash back. I have spoken to Chase on a few occasions and they always tell me it's not their problem ( despite the fact that it is an advertised benefit with their card ) but rather that I need to contact XXXX XXXX. XXXX, in turn, tell me it's not their problem and direct me back to Chase. Since I signed up with Chase and they advertise the benefits, I believe it is up to Chase to make good on this promise/benefit. So far this year I have purchased XXXX reward ticket with my card and my father has purchased XXXX on his card. Neither of us received the cash back.

Company response to consumer: Closed with explanation