vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am submitting this complaint regarding a mortgage servicing and credit reporting issue with PNC Bank. My mortgage loan had been enrolled in automatic payments for approximately five years without interruption. I relied on this arrangement to ensure timely payments were made each month. According to PNC Bank, the automatic payment authorization expired on XX/XX/year>, and they state that a notice of this expiration was mailed, however, I did not receive any communication that effectively alerted me to the expiration of the automatic payments prior to the XXXX and XX/XX/year> payments being missed. Given the long-standing automatic payment history, I reasonably relied on that process continuing and was not aware that any action was required on my part. Additionally, it does not appear that any follow-up communication or outreach was made after the first missed payment and prior to reporting the account as delinquent to the credit bureaus. As soon as I became aware of the issue, I immediately made the necessary payments to bring the account current. Despite this, my account was reported as late, even though the missed payments appear to have resulted from a breakdown in servicing communication and process rather than any intentional or ongoing failure to make payment, resulting in a significant and negative impact to my credit history and score. My concern is that it seems that the servicers process was not reasonably designed to ensure I was aware of a change that would predictably result in missed payments and negative credit reporting. I am requesting that PNC Bank : Investigate whether reasonable and effective notice of the autopay expiration was provided Review whether its servicing practices were sufficient given the long-standing automatic payment history Correct the account history to reflect the circumstances surrounding the missed payments Remove any associated late fees Correct any negative credit reporting related to XXXX and XX/XX/year> I am seeking a fair resolution and correction of the account and credit reporting to accurately reflect what occurred. A RESPA Notice of Error and a direct dispute regarding the credit reporting have will be submitted in connection with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: NY

Complaint narrative:
I requested a credit balance refund of {$13000.00} on XX/XX/2026. Chase has failed to release my funds despite multiple escalations. The funds are cleared, no transactions are pending, and no explanation has been provided for the delay. I am requesting immediate release of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The problem is I was scamed I was made to think I'm the culprit there are to much scams and fraud in this country and they mostly speak like XXXX XXXX or XXXX XXXX I have over XXXX in my citi bank checking account that was closed and HAVE TO WAIT XXXX TO XXXX DAYs to get my money back I just got over XXXX XXXXXXXX and I needed this money for meds and food and rent BUT THEY DONT CARE!!!!

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
Someone used my cell phone to take {$2900.00} from PayPal to my cash app then sent their cash app and XXXX XXXX nearly {$4800.00} of my money. I disputed it and they both denied my claim

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I have repeatedly asked One Main about the possible sale of my loan to XXXX. I found an amount and zip code matching mine in the manifest for the XXXX trust for XX/XX/year> matching when my loan was made. XXXX transacts with loans and takes portions of origination fees, but i found no license for them in Texas. I've asked One Main, including their " XXXX XXXX XXXX '' repeatedly to provide the bill of sale of my loan to XXXX, the Forward Flow agreement, and for where XXXX license for transacting with loans in Texas can be found. XXXX has refused to respond to previous requests for information when contacted directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: Chime Financial Inc
State: MD

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding Chimes refusal to properly investigate and resolve a disputed transaction on my account. On or about XX/XX/year> a charge of {$37.00} was made to my Chime account for a purchase through XXXX. After completing the purchase, the seller created a tracking number but never actually shipped the item. The tracking information shows that the package never moved or entered the carriers system, confirming that the product was never sent. I attempted to resolve this issue directly with the seller by sending multiple messages over several days. The seller ignored my messages and never provided a refund. I also contacted XXXX customer support multiple times seeking assistance, but the matter remains unresolved. Because I never received the item and my request for resolution went ignored, I disputed the charge with Chime and requested a refund of {$37.00} on XX/XX/year>. Despite providing details that the item was never shipped and that the seller failed to respond, Chime denied my dispute on XX/XX/year> and stated they found no issue with the transaction. I believe Chime failed to conduct a proper investigation into this matter. The evidence clearly shows that the item was never shipped, the seller was unresponsive, and I did not receive the product I paid for. As a consumer, I should not be held responsible for paying for goods that were never delivered. Additionally, I am requesting that Chime provide the documentation used in their investigation that proves the merchant fulfilled the order and that the item was delivered to my address. The tracking information only shows that a shipping label was created and does not show that the package was ever scanned, shipped, or delivered. Under the Electronic Fund Transfer Act, financial institutions are required to conduct a reasonable investigation into disputed transactions. Denying this dispute without proof of shipment or delivery raises serious concerns that a proper investigation was not conducted. I respectfully request that the Consumer Financial Protection Bureau review this complaint and require Chime to reopen and properly investigate this dispute. I am requesting a full refund of the {$37.00} charge and a review of Chimes dispute resolution practices in this case. Thank you for your time and assistance in resolving this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: GA

Complaint narrative:
am writing to formally express my concern regarding my account and the lack of support I have received over the past several months. Due to unexpected circumstances, I have been unemployed for some time. Despite my financial hardship, I have made continuous efforts to keep up with my payments. However, I urgently need information about any hardship assistance programs that may be available to me. Unfortunately, I have not been provided with clear guidance. I was given an email address to contact, but it does not work, leaving me without any viable way to request help. Additionally, the structure of this loan has made it extremely difficult to make progress. The majority of my payments appear to be applied only toward interest, which has made the situation feel overwhelming and unmanageable. This ongoing issue has caused me significant emotional distress, anxiety, and sadness month after month. I have also requested documentation needed to complete a vehicle registration process, but these documents have not been provided. Attempts to resolve this issue by phone have been unsuccessful. I am only able to reach an automated system, which redirects me to the website. However, since my account is locked, I am unable to access any information online. The system then refers me back to customer service, where I am still unable to reach a live representative. This cycle has been extremely frustrating and has prevented me from resolving urgent matters. I respectfully request the following : Clear information about any available hardship assistance programs Immediate assistance in unlocking my account or providing alternative access The requested documentation needed for my vehicle registration The opportunity to speak directly with a customer service representative I am doing my best to remain responsible despite my current financial challenges, and I would greatly appreciate your prompt attention and support in resolving these issues. Thank you for your time and understanding. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
b'Prior complaint # XXXXnCredit card #: XXXX XXXX XXXX XXXX\nAs a result of my complaint to the CFBP, without notice, Chase Bank blocked online access to my account and apparently cancelled the card. Seems petty and vindictive. Also, any unused purchase points are confiscated.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am submitting this complaint regarding a denied fraud claim involving Wells Fargo. On XX/XX/XXXX, I was the victim of a scam in which an individual impersonated a legitimate tattoo artist and requested a deposit of {$150.00} through XXXX for a tattoo appointment. I sent the payment believing I was securing a legitimate service. On XX/XX/XXXX, the same individual continued the scam by scheduling another appointment, providing a specific location, and requesting full payment. I transferred {$400.00} from my Wells Fargo account to XXXX XXXX, and then transferred those funds to XXXX XXXX to complete the payment. Upon arriving at the provided location, I discovered that the business did not exist. Immediately after receiving payment, the individual blocked all communication with me. These transactions were not legitimate authorized payments. They were completed under false pretenses due to impersonation and intentional deception. I would not have sent any funds had I known the true nature of the situation. I promptly contacted Wells Fargo and filed fraud disputes for these transactions. However, my claims were denied on the basis that the transactions were authorized. I requested reconsideration and explained that the authorization was obtained through fraud and misrepresentation, but Wells Fargo refused reimbursement. I am requesting that Wells Fargo reopen and thoroughly investigate these claims as fraud involving impersonation and deception, and provide reimbursement for the total amount lost. This situation involves a clear scam, including impersonation of a business, a fake appointment, and immediate blocking after payment.

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 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am disputing a collection account reported by Jefferson Capital Systems, originally from XXXX XXXX, in the amount of approximately {$3100.00}. I have previously disputed this account directly with the company and through the credit bureaus. Despite these disputes, the account continues to be reported as verified without any documentation being provided. I specifically requested validation of the debt, including proof of assignment, a complete account history, and an itemized breakdown of the balance. To date, Jefferson Capital Systems has not provided documentation to substantiate the accuracy of the amount or their authority to collect. I have not received documentation showing a valid transfer or assignment of this specific account, nor any itemized billing or explanation of how the reported balance was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
Starting XX/XX/XXXX I was woken up to rapid notifications being sent to the primary email for my cashapp account. ( A day before my direct deposit is supposed to go into the account. I woke up to multiple emails of my account actively being taken over. First my email was changed then, my password, then my cash pin, hand last my phone number. My first step was to IMMEDIATELY call cashapp and get them to hard lock my account before damage is done I called them XX/XX/year> at XXXX am. I was then told ( WHILE MY ACCOUNT IS BEING HACKED INFRONT OF MY EYES BTW ) that the case would take 10 days to situate. WHILE IM TAKING NECESSARY PRECAUTION TO STOP THIS WHOLE THING IN THE FIRST PLACE. My account is then locked Im told to wait 10 days. I recieved no call logs, no case number, no follow ups, no anything. I decide to call back a couple days later. Cashapp supports team is so incompetent they were struggling to find my account by email so I had to make a new account using the same email. When I made the new acct. to finally get back in touch with them. THEY DONT EVEN UNDERSTAND THAT ALL MY INFORMATION WAS CHANGED ON MY ACCOUNT SO THATS WHY THEY CANT FIND MY ACCOUNT THATS WHY THEY COULDNT HELP ME. they never submitted a case, they never submitted notes, they never escalated the situation to begin with. For XXXX months case after case they tried to say that my account didnt even exist. After a couple of days I ordered my job to submit a XXXX to cashapp to receive my funds back from the direct deposit. ( In cashapps terms it says if a direct deposit is submitted to a closed account the funds shall be resent to sender company. I REQUESTED THE FUNDS XXXX and cashapp denied everytime. Now after a month of trying to get access back to my account. I am now VISUALLY looking at MY money in MY account from MY job. But guess what. THE ACCOUNT IS CLOSED and cashapp will not let me add anything to pull my money out. I call them multiple times at this point just to receive my funds. I dont care about the account or the apps services anymore I just want my money. I went a whole month without a check. Just for them to say to wait another 10 days. I end up waiting 13 days. Just for them to tell me my account will remain closed for fraudulent activity. WE KNOW THIS BECAUSE I TRIED TO HAVE IT STOPPED XXXX MONTHS AGO at that point. And I have proof for all this. I told them all of that and they still decided to stay with the decision. XXXX months down the drain and being able to look at my money that I cant use.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX is attempting to collect funds not owed to them. They bought and old debt that was written off and closed with hopes of trying to scam me. My credit reports reflect XXXX balance owed with Navy Federal and they show they are written off and closed with a XXXX balance owed also my credit reports show that I have no collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am filing a complaint regarding repeated credit limit reductions on my PayPal Cashback Mastercard, which is issued by Synchrony Bank. I have made my payments on time and have worked to pay down my balance responsibly. Most recently, after making a {$1000.00} payment, my available credit was reduced again. This has been extremely frustrating and unfair. These repeated credit limit reductions are hurting my credit and negatively affecting my overall credit profile. Lowering my credit limit after I make large payments increases my credit utilization and damages my ability to maintain or improve my credit standing. I am requesting that Synchrony Bank provide a clear explanation for these repeated credit limit decreases, review my account fairly, and correct any action that is unjustly harming my credit. My account is associated with : Name : XXXX XXXX : XXXX : ( XXXX ) XXXX ending in : XXXX Thank you for your attention to 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 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As per 15usc 1611 Experian is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency.

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 2026-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Check x system is not the proper value to protect banking system. Someone illegally access my account. This person have my social and generated match sane id as drive lic to send me with social. This person several file report in. Local police. But they know. But they never did anything. Check x system.my online portal accounts is not my Access And international employee check x system. Asking me to send usps thats big fraud my mail is still last week XXXX they hire easy to located my new address and give them fraud people to send me another illegal drugs. They expected me to send check x system Social, id just verify for account protect As I know this social copy is illegal. To send or mail.other My id and social leak in local police XXXX and my mail steal same location. I am. no more trust my location. And guy follow my car came to. XXXX XXXX hire someone to be follow and several time I. See those person noted car number. How do I trust XXXX Check x system Local police Or else I need a protection. My family and me and my identity right now me and my family suffering those.

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