vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: FL

Complaint narrative:
I am filing this complaint against Netspend Corporation for systematic failures in their customer support and their failure to resolve a dispute regarding a card I never received. 1. Failure to Provide Services & Unauthorized Charges : I was charged for a card that was never delivered to my address. This constitutes a billing error and a failure to provide the promised service. I have attempted to resolve this for over a week, but the company has failed to issue a refund or a replacement without further penalty. 2. Bad Support Practices & Broken Promises : I was explicitly told by Netspend staff last week that a manager would call me to resolve the non-receipt of my card and the associated charges. That callback never occurred. Today, [ XX/XX/year> ], I called again to seek a resolution. I was placed on hold for 50 minutes, only to be disconnected before I could speak to a manager or receive an update on my case. This is a recurring pattern where Netspend utilizes excessive wait times and disconnections to avoid addressing consumer disputes.I will further note this is not my first experience with this and it it is pattern and practices at this point. 3. Violation of Consumer Rights : By failing to provide a clear path to speak with a supervisor and failing to follow up on a promised callback, Netspend is obstructing my right to dispute an error under Regulation E. These " loop '' tactics have left me with no way to access my funds or resolve the billing error. It's a systemic failure in customer service support.

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 2026-03-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX [ Debt Collectors Name ] Sequium Asset Solution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this alleged debt. Please provide the following : The name and address of the original creditor The total amount of the debt, including any fees, interest, or charges Documentation showing that I am legally obligated to pay this debt Verification that your agency is authorized to collect on this debt A copy of any agreement bearing my signature related to this account Until you provide proper validation of this debt, I request that you cease all collection activities and communication with me regarding this matter. If you are unable to provide the requested validation, I ask that you remove this account from my credit report and cease further contact. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing this complaint regarding the handling of {$510.00} that was withdrawn from my personal bank account. In XX/XX/year>, I mailed a check for {$510.00}. The check was cashed in XX/XX/year>, and the funds were withdrawn from my account. After accepting the payment, a refund was issued and mailed to my bank. My bank rejected the refund and returned it to the sender. As a result, I never received the funds back. I have contacted the company multiple times and have been told that no information can be provided because the account is not in my name. I understand that financial institutions can not release another persons account information. However, I am not requesting account information. I am requesting the return of my {$510.00}, which was taken from my bank account and has not been returned after the failed refund. The key issue is simple : The company accepted my {$510.00} The refund was returned to the company I never received my money back I am requesting : Immediate return of the {$510.00} to me, the original payer A written explanation of what happened to the funds after the rejected refund was returned. This complaint concerns the handling of funds that originated from my personal bank account. I do not want any personal account information. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with the CFPB regarding {$4000.00} missing from my closed Chase account. The complaint was closed after Chase claimed that a cashiers check had been issued on XX/XX/XXXX. However, the issue remains unresolved. First, I was never notified that my account had been closed. I did not receive any written notice, email, or phone communication regarding the account closure. Second, I was never informed that a cashiers check had been issued, despite multiple visits to Chase branches and numerous calls to customer service over a period of more than two months. During these interactions, I was repeatedly told that the funds had been returned to XXXX XXXX XXXX which was incorrect. After the CFPB complaint, Chase contacted me by phone on XX/XX/XXXX and stated that they would provide me with the cashiers check details. As I was not in a position to record the information during the call, I specifically requested that the details be sent to me by email. Despite this request, no email was ever sent, and I still have not received the necessary information to proceed. No email was sent. On XX/XX/XXXX, I followed up by email requesting the check details again. I did not receive any response. As of today, Chase has still not provided the required information ( such as check number, issuance details, or proper instructions ), and I am unable to complete the Declaration of Lost Cashiers Check form due to missing information that only the bank has access to. This demonstrates a continued pattern of negligence and failure to properly service my account and resolve the issue. As a result : My {$4000.00} has been withheld for over three months, I have been repeatedly misinformed, I have spent significant time and effort attempting to resolve this issue, And Chase continues to delay resolution by failing to provide necessary information. Additionally, I do not accept payment via cashiers check given the circumstances and prior failure. I request that the funds be transferred directly to a bank account that I will provide. I am requesting : 1. Immediate return of my {$4000.00} via direct transfer ( not by check ) ; XXXX. Payment of applicable interest from XX/XX/XXXX until resolution ; 3. A full written explanation of why I was not notified of account closure or check issuance ; 4. Immediate provision of all cashiers check details if the bank insists on that process ; 5. Regulatory review of Chases handling of this matter due to repeated misinformation and failure to provide required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: OR

Complaint narrative:
I am filing this complaint against Waypoint Resource Group LLC for inaccurate and duplicate debt reporting in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The original creditor is XXXX XXXX. That debt was placed with XXXX XXXX XXXX, and subsequently assigned to XXXX XXXX XXXX I have logged into XXXX XXXX 's portal and established a formal payment arrangement, with my first scheduled payment on XX/XX/year>. I recently reviewed my credit report and discovered that Waypoint Resource Group LLC is separately reporting this same XXXX XXXX debt as an outstanding unpaid collection. I have never been contacted by Waypoint Resource Group LLC, never received written notice that my debt was transferred or sold to them, and have no account number or reference number associated with them. I was given no opportunity to validate or dispute this debt before it appeared on my credit report. This is a violation of my rights for the following reasons : 1. DUPLICATE REPORTING The same original XXXX XXXX debt is being reported by two separate collection agencies simultaneously ( XXXX XXXX and Waypoint Resource Group LLC ). I have an active, scheduled payment arrangement with XXXX XXXX to resolve this obligation, yet Waypoint Resource Group LLC is reporting the same debt as a separate unpaid balance. This is inaccurate and materially damaging to my credit. 2. NO NOTICE OF TRANSFER Under the FDCPA ( 15 U.S.C. 1692g ), I am entitled to written notice of any debt being collected against me, including who owns it and the amount owed. I received no such notice from Waypoint Resource Group LLC at any time. 3. CREDIT DAMAGE The duplicate reporting has significantly and negatively impacted my credit score, affecting my ability to access credit and financial products. I am requesting that the CFPB investigate Waypoint Resource Group LLC and require them to immediately remove this inaccurate duplicate entry from all credit bureaus. I also request clarification on the current legal owner of this debt to ensure my XXXX payments are being properly applied and that I am not at risk of unknowingly paying two parties for the same obligation. I have not contacted Waypoint Resource Group LLC directly out of concern that doing so could be misconstrued as acknowledgment of a separate debt obligation. I am seeking CFPB intervention to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX, acting on behalf of or in concert with Atlantic Bay Mortgage Group , L.L.C . XXXX XXXX XXXXXXXX, XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; their affiliated business arrangements and join ventures ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, and XXXX XXXX Mortgage, XXXX, requested that I put up 3 months reserves in addition to funds for closing can not be a gift, must be own funds prior to closing on XX/XX/year>, with full knowledge I can receive gift funds for an FHA loan, which can be used for the down payment and closing costs. Provided the funds come from an eligible donor, such as a family member or a close friend, with proper documentation I applied for 30 years FHA financing was pre approved by Atlantic Bay Mortgage Group L.L.C, for {$200000.00} on XX/XX/year>, I went under contract on XX/XX/year>, paid {$500.00} security deposit Champion Title, on XX/XX/year> {$580.00} appraisal fee, {$100.00} termite inspection, and secured homeowners insurance. Thereafter it appears the lender undertook actions or engaged in retaliatory actions against borrow that may have violated my rights in the mortgage transaction after full disclosure of documents from the complainant requested for underwriting review. Including but not limited to my parent 's deed of trust as a non-borrow with owner interests in our family property on their HELC ; including letters of explanation for any late payments on my credit., It appears, I was also discriminated against due to my sex, race, color and disability as well, being a single retired African-American female with substantial monthly retirement, social security payments XXXX XXXX was denied consistent or fair treatment and subjected to discriminatory, deceptive or inconsistent practices by lenders. Atlantic Bay Mortgage Group L.L.C, " Lender '' Case No : XXXX, failed to provide updated or timely clear disclosures about interest rates, fees, and terms after imposing different terms or conditions now requiring 3 months reserves in addition to funds for closing can not be a gift, must be own funds prior to closing on XX/XX/year>. Lender then improperly denied my loan application on XX/XX/year>, falsely claiming, * Lack of Cash Reserves and * Insufficient Funds to Close the Loan after imposing different terms to close on XX/XX/year>. I provided sufficient bank statements demonstrating my ability to close based on Atlantic Bay Mortgage Group L.L.C, XX/XX/year>, loan estimate I relied upon and have been waiting on clear to close, but the lender 's shifting loan estimate or conditions and hostility towards me prior to closing has caused me emotional, financial damage, harm and loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
Beginning in XX/XX/XXXX, I have attempted many times to contact XXXX XXXX mortgage and Rocket Mortgage to obtain a copy of my XXXX XXXX Mortgage Interest Statement for my taxes. The websites for these companies state that this form is not available yet, but will be after XXXX, XXXX. There is nowhere on their websites where this form is avaiIable. I have called multiple phone numbers and have never gotten past their automated system. I say " representative '' or " agent '' or press " 0 '' but they only play the automated message and hang up on me. I have emailed Rocket Mortgage requesting this form and their response was that I wasn't able to change my address via email. That was not my request to them. I need this form in order to file my taxes. They are legally required to provide this form to me. PLEASE help me to obtain this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
am filing this complaint against Jefferson Capital because it pursued and/or maintained collection-related harm on a disputed account tied to a defective XXXX vehicle transaction, even after being placed on notice that the debt was disputed and that the underlying transaction was materially impaired. This was not a routine payment dispute. The underlying XXXX XXXX transaction involved serious smoke/fire-related and safety-defect issues, and the account was disputed. Jefferson was on notice that liability was contested and that continued collection-related conduct and continued credit harm would deepen the damage. Instead of helping resolve the matter, Jefferson failed to provide meaningful resolution and forced us to spend substantial additional time and attorney effort trying to stop the damage. Its conduct caused or contributed to financial harm, credit damage, stress, disruption, and unnecessary escalation. We want Jefferson Capital to : 1. cease all collection-related activity tied to this matter ; 2. correct or delete any adverse reporting ; 3. confirm the account will not be sold, reassigned, or transferred further ; 4. provide a meaningful monetary settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
someone uses my personal information to open an account in my name I have gone to the police station to make a report and have sent this information to the company as well to all 3 credit bureaus and they will come back and say information has been reported and verify I have been a victim of fraud many years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Home Loan Center, Inc.
State: OH

Complaint narrative:
I was getting a loan from XXXX XXXX and they sent money to my bank well I didnt answer my phone because I got late going to bed and when I woke up I had messages saying I stole money that was on hold at my bank and that she called the police on me for stealing money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 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: Meta Payments Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX confirmed that my XXXX XXXX payout method was successfully updated to my XXXX account. After that confirmed update, Meta issued multiple XXXX payouts in XX/XX/XXXX that were required to be sent to the XXXX account on file. XXXX has confirmed that none of the funds were received. During the support process, Meta representatives provided contradictory written statements claiming the same payouts were sent to XXXX and later claiming they were sent to a previously removed bank account. Meta has not provided any payout routing report, transaction IDs, or trace documentation showing where the funds were actually sent. On XX/XX/XXXX, I filed a complaint with the Florida Attorney General regarding this issue. As of the date of this complaint, the issue remains unresolved and Meta has not provided any documentation or resolution. Meta has since paused my XXXX payouts and is now automatically refunding buyers for completed orders because it states it can not pay me, despite my payout account having been updated and confirmed. This has caused continued financial harm and loss of business income. I am requesting that Meta trace and reissue the unpaid and misrouted XXXX payouts to the XXXX account on file, provide documentation showing where the funds were sent, and resolve the ongoing payout block.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: NY

Complaint narrative:
I am filing a complaint regarding overdraft fees charged to my checking account despite having sufficient funds. In XX/XX/year>, I received a tax refund deposit of {$7300.00}. After this deposit, my account consistently maintained a balance above {$3000.00}, even after multiple transfers and transactions. Despite this, my bank charged overdraft fees on multiple occasions, including XX/XX/XXXX and XX/XX/year>. At no point did my account reflect a negative balance that would justify these fees. Based on my transaction history, it appears these fees were triggered due to transaction posting order or internal processing practices rather than actual insufficient funds. These charges have reduced my tax refund and caused financial harm. I am requesting : * A full refund of all overdraft fees charged during this period * A detailed explanation of how these fees were assessed * Documentation showing transaction posting order and available balance at the time of each fee I believe these charges may constitute unfair or deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding ongoing account restrictions that I believe are unreasonable and inconsistently applied. In XX/XX/year>, I had a missed minimum payment on my Carters account in the amount of {$25.00} The balance on my card was {$73.00}. This occurred due to an oversight, as I believed automatic payments were set up and I was also enrolled in paper statements rather than notifications, so I did not receive an alert. As soon as I logged into the Carters app and became aware of the missed payment, I immediately paid the balance in full. Following this : All late fees were credited back by the company Any 30-day late reporting was reversed with both XXXX XXXX XXXX My account now reflects a credit balance of {$33.00} These actions indicate that the company recognized this as an error or one-time issue. After resolving the balance, I contacted customer service and was told the account would remain restricted for two billing cycles. I accepted that explanation. However, after waiting that time period, I contacted customer service again and was then told the restriction would last three billing cycles instead. This change was not previously disclosed and contradicts the original information I was given. I continue to get the same response which is : this is a systematic issue and theres nothing they can do to change it, even though I owe no money to Carters. Ive paid it off in full as of XX/XX/year> and I even have a credit balance. At this point : The account has been paid in full since XX/XX/year> There is a credit balance on the account All negative reporting and fees have been reversed The restriction remains in place The timeline for resolution has changed without explanation I am requesting : A formal review of the restriction on my account A clear, written explanation of the policy requiring multiple billing cycles after full payment Immediate removal of the restriction, given that the balance has been fully satisfied and corrective actions have already been taken The continued restriction despite full payment, credited fees, and corrected reporting is not reasonable and lacks transparency. I would like this matter reviewed by someone with the authority to resolve it.

Company response to consumer: Closed with monetary relief