vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I went to a local branch of Regions Bank XXXX XXXX XXXX ) and attempted to send a {$7000.00} wire transfer from my account to my retirement account using instructions provided by XXXX XXXX. The transfer failed and was returned, resulting in fees and a loss of funds. I was charged a {$30.00} outgoing wire fee, a {$15.00} incoming wire fee when the funds were returned, and only {$6900.00} of the {$7000.00} was returned. On XX/XX/year>, I went to a different branch ( the XXXX XXXX branch ) and provided the exact same wire instructions, and the transfer was successfully completed. This indicates the original failure was due to an execution error and not an issue with the instructions provided. As a result of the failed wire on XX/XX/year>, I incurred {$95.00} in total losses. The bank has since refunded {$45.00} in internal wire fees ( {$30.00} outgoing wire fee and {$15.00} incoming wire fee ). However, {$50.00} was not returned due to intermediary/receiving bank deductions that occurred only because the original wire failed. I am requesting reimbursement of the remaining {$50.00} so that I am made whole for the failed transaction.

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 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
XX/XX/XXXX I was arrested for self-defense from XXXX XXXX XXXX my residence at the time the court order a Gps monitor on me and I have to stay XXXX feet away from XXXX XXXX XXXX which was my residence at XXXX XXXX XXXX I kept the Leasing office people updated on everything. I told them I couldnt come to my apartment because of the court order and they told me to bring in their keys before a certain time or I will get a vacancy on my name and I did exactly that but they proceeded to keep my deposit and proceeded to put this debt on my credit unfairly. I think they just want money from me more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On Thursday XX/XX/XXXX, at approximately XXXX am, I received multiple alerts from my bank that a primary phone number on my account had been changed without my authorization. The phone number added was ( XXXX ) XXXX, the phone number of my abusive XXXX, who I divorced almost XXXX years ago. .I did not request this change, did not authorize it, and this person should have no connection to my account. I contacted the bank to report this as unauthorized account access. The bank stated they used " skip tracing '' to research and add this phone number because they were attempting to reach me about a past due balance. However : - They did not verify that this phone number actually belonged to me before adding it - They made it a PRIMARY contact number, meaning this person would receive account alerts and notifications -The phone number belongs to my ex-husband, with whom I have a documented history of domestic abuse -We have been divorced for nearly 10 years and he has never been associated with this account, or any accounts I have with Chase -The bank could not explain how their skip tracing system works or provide any accountability for how this number was obtained - The bank refused to provide a case number for this incident This poses a genuine safety risk. By adding my ex-husband 's phone number as a primary contact, the bank may have notified him of my account activity and transactions, information about my financial status, confirmation that I am using an account ( potentially revealing my current location or existence ), this person has a history of abuse toward me, and I have been diagnosed with XXXX related to this abuse. The bank 's use of unverified " skip tracing '' to add contact information without confirmation is a serious security vulnerability. Additionally, my current spouse reported a similar incident with this bank several months ago, where an outdated phone number ( a landline disconnected over 5 years ago ) was added as a primary contact. This suggests a systemic issue with the bank 's practices. I reported this to the bank 's customer service, and fraud and collections departments immediately upon their opening on XX/XX/XXXX. The bank stated they could not confirm they could provide a case number and could not fully explain their skip tracing process. They put my life at risk and did not seem concerned about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am submitting a complaint regarding an unresolved issue with rewards associated with a Best Buy credit card. Since late XX/XX/year>, I have been attempting to resolve a mismatch between the membership ID tied to my Best Buy credit card and the membership ID associated with my Best Buy account. Because of this mismatch, rewards and benefits tied to credit card purchases have not been tracking correctly. The issue began around XX/XX/year>, when I first contacted customer support after noticing rewards were not being applied. Since then, I have spent over XXXX hours across multiple phone calls and chats with customer support. During this time : Multiple cases were opened and escalated ( including case IDs XXXX, XXXX, and XXXX ). These cases were repeatedly sent to incorrect departments and subsequently denied without resolution. I was not notified when cases were denied, requiring me to repeatedly call back and restart the process. At least one representative identified that the issue appears to be a membership ID mismatch or a stuck or incorrect membership profile tied to the credit card, which aligns with the symptoms I am experiencing. On XX/XX/year>, I was told the issue would be sent to the correct internal department ( account maintenance ) with a resolution timeframe of XXXX hours. No resolution occurred. As of my most recent call, I was informed that the only available option would be to create a new account. However, I was also told that any existing or missing rewards could not be transferred or restored to the new account. This would result in a loss of rewards earned through credit card usage due to a system issue outside of my control. I have made multiple good-faith attempts to resolve this issue through standard customer service channels. Despite this, the issue remains unresolved, and I have been unable to access rewards associated with my credit card purchases. I am requesting : Correction of the membership ID mismatch so that the credit card is properly linked to the correct account. Restoration of any rewards that should have been earned during the period affected by this issue. A review of the handling of this case, including repeated misrouting and lack of follow-up. This issue appears to be the result of internal system errors and poor case handling rather than user error. I am seeking a resolution that ensures earned rewards are honored and properly applied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am reporting unauthorized charges on my credit card that began on XX/XX/XXXX and heve continued through XXXX XXXX. I did not make these purchases. I first discovered the discrepancy during a month of XX/XX/XXXX statement. I have already contacted my bank to disput ethese specific transactions and secure the account. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — FHA 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: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I previously had a mortgage with Nationstar, XXXX Mr Cooper. In XX/XX/XXXX I applied for mortgage assistance. I received a package with information and called in XX/XX/XXXX. The representative I spoke to said I had to sign the modification or I would be foreclosed on. So we signed the modification, that increased our rate from 3.125 % to 6.875 % and increased our monthly payment by {$500.00} per month. The loan was subsequently transferred to XXXX XXXX. I called and reported an issue to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have letters from Mr. Cooper as well as XXXX XXXX XXXX admitting the error by Mr Cooper of not informing me of all my options at the time of the modification. I am now obligated to pay a more than double interest rate for another XXXX years as well as additional XXXX XXXXXXXX month when we were already struggling to make the payment due to hardship. This has caused more hardship and continued requests for assistance from now XXXX XXXX. My disturbance falls with Mr Cooper and the admission of error in not relaying all the options to help us and stating they would foreclose if the modification was not signed, which led to fear we would lose our house. I would prefer my mortgage rate go back down to 3.125 % and a {$1600.00} monthly payment. Had they given me all the options that were available I would have most definitely made XXXX months payment to be eligible for a repayment plan, rather than settle for a 100 % increase in interest and {$500.00} more payment a month on mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I have noticed SYNERGETIC COMMUNICATION account # XXXXXXXX XXXX XXXX XXXX XXXX on my report, but I did not have an opportunity to dispute it. If you believe proper notification was sent, please provide a copy of the certified mail receipt showing my signature. If no such notice exists, I kindly request that you remove SYNERGETIC COMMUNICATION account # XXXX XXXX XXXX XXXX XXXX from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I booked a hotel room through XXXX at XXXX XXXX in XXXXXXXX XXXX for XX/XX/XXXX - XX/XX/year>. Confirmation No. XXXX When my wife and I arrived at the hotel the room smelled strongly of chemicals. My wife has XXXX XXXX XXXXXXXX and can not tolerate strong smells, especially chemical odors. We talked to the hotel associate, telling her that we can't stay in a room that has a chemical smell. She gave us a phone number to call. The number was not the correct number for our XXXX reservation. We spent over an hour trying to contact someone at XXXX with no success. We had purchased the trip insurance. There is no one to talk to about using the trip insurance as protection for not staying in a booked room. I disputed the charge and Capital One sided with XXXX. I now understand that Capital One has a partnership with XXXX. In good faith I booked a room with XXXX, the XXXX has over XXXX complaints against XXXX in the past 36 months. I do not believe that I should be forced to pay for a room that was not suitable for human inhabitation. Please reverse your decision and refund my money. Some investigation reveals that Capital One has a partnership with XXXX, Even after suppling further information to Capital One dispute department within XXXX hour they sided with thwe the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/year> I transferred {$3500.00} from my XXXX XXXX account to my Venmo account. The money showed up in my account contact the capital XXXX and they said they sent it to Venmo. Contacted Venmo, but they never gave me a return answer and I still have not received my {$3500.00} in my Venmo account. No

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received an email from Synchrony Bank at XXXX on XX/XX/year> asking me to complete registration on a new XXXX XXXX card. I also received emails from both XXXX XXXX and XXXX XXXX immediately after stating a hard credit check was done on my credit report. On the morning on XX/XX/year>, I called Synchrony Bank at XXXX to report the fraudulent account. On my first attempt, I was asked to provide my SSN which I did, then they immediately hung up. I called back again and this time, they asked for my name, which I provided, and they hung up again. I then called TransUnion and reported the fraudulent activity as well as put a freeze on my account. TransUnion asked me to contact the FTC to get a copy of the FTC report to mail to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: MI

Complaint narrative:
Applied for home equity loan through amerisave and they took a {$500.00} deposit for good faith! A few hours later they said we own too much land and were denied the loan. I asked for a refund and he offered to try on a different property I said I am not interested just want my money back he said no problem but it would take a few days. Then approx XXXX weeks later I see that the refund was not given so I call and leave him a message as I have the loan officers direct number and he never answers always calls back in my message I told him if I didnt get a refund soon I was going to report it to CFPB! A week later still no refund so I call him again and he said it was just missed or over looked and he would take care of it asap that was a week ago and still no action. The loan officers phone number XXXX XXXX XXXX insure if the spelling is correct but thats the name and number of the loan officer. I dont have a loan number or account number they used my wifes email XXXX and her name is XXXX XXXX XXXX XXXX used he name to find the information last time we talked!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: MO

Complaint narrative:
Company : Venmo ( XXXX XXXX XXXX ) Consumer Product : Checking account or digital wallet Issue : Problem with a purchase shown on your statement / Fraud or scam Case Reference : XXXX XXXXXXXX Transaction Date : XX/XX/year> Amount : {$27.00} Recipient : XXXX XXXX Complaint Description : I am filing this formal complaint against XXXX ( PayPal, Inc. ) for a bad-faith denial of Purchase Protection and a failure to provide transparency in their dispute resolution process regarding a commercial transaction for digital media. Summary of Dispute : On XX/XX/year>, I sent {$27.00} for a commercial transaction. I explicitly utilized the " XXXX '' toggle, paying the required fee to secure XXXX XXXX XXXX. During the transaction, the seller and I discussed various delivery methods to ensure high-fidelity transfer ( specifically discussing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX links to avoid XXXX XXXX ). However, immediately after the funds were received, the seller ceased all communication and blocked my access on the initial contact platform ( XXXX ) without providing the digital media or any download links. Points of Contention : Direct Policy Violation : XXXX XXXX XXXX explicitly covers " Items Not Received. '' I provided XXXX XXXX XXXX screenshotshowing I was blocked by the merchant immediately following the transfer, rendering the agreed-upon delivery ( via cloud link or otherwise ) impossible. XXXX has ignored this total failure of delivery and denied the claim as " not covered. '' Withholding of Evidence : On XX/XX/year>, I formally appealed and requested a copy of the documentation and specific criteria used to reach this denial. XXXX has failed to provide this information. This lack of transparency prevents me from providing a targeted rebuttal and suggests an arbitrary or automated decision-making process that disregards the physical evidence of the merchant 's exit-scam. Regulatory Failure : By accepting a " Purchase '' fee and then refusing to adjudicate a clear-cut case of merchant fraud, XXXX is engaging in deceptive trade practices. They are marketing a " protection '' service that they fail to honor even when presented with definitive proof of non-delivery and merchant-side termination of contact. Desired Resolution : I demand a full refund of the {$27.00} and a formal explanation as to why a transaction marked as a " Purchase '' was deemed " not covered '' despite documented merchant fraud. I also request that XXXX produce the internal documentation used to justify this denial, as previously requested in my appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing this complaint to dispute inaccurate and unverified information being reported on my credit file. The account listed as Capital one, account number XXXX, is currently being reported on my credit report. I formally dispute the accuracy and completeness of this account. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), all information reported to consumer reporting agencies must be accurate, complete, and fully verifiable. At this time, this account has not been properly verified and therefore should not continue to be reported. I request that the company provide full documentation verifying the validity of this account, including but not limited to : The original signed agreement or contract bearing my signature Complete account history and itemized statement of charges Proof that the reporting company has the legal authority to collect or report this debt Documentation showing how the reported balance was calculated If the company can not provide sufficient documentation verifying the accuracy and ownership of this account, I request that the account be immediately removed from all credit reporting agencies. Failure to ensure accurate reporting may constitute non-compliance with the Fair Credit Reporting Act. I request that this matter be investigated promptly and corrected or deleted if the information can not be fully verified. Please provide written confirmation of the results of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing to formally document and request resolution for an issue involving my account during the transition from Wells Fargo to Bilt Rewards. On XX/XX/XXXX, I made a payment of {$1000.00} through Wells Fargo to my XXXX card in order to fully clear my balance prior to the transition. At that time, my account should have reflected a {$0.00} balance. However, after the separation of the companies, I noticed that my new XXXX account showed a balance of {$1000.00} as a balance transfer. This is incorrect, as the balance had already been paid in full prior to the transition. I contacted XXXX to resolve this issue and was directed to Wells Fargo. Wells Fargo informed me that they would issue a reimbursement check for {$1000.00}. However : My reimbursement request was ultimately denied without any notification to me I was initially told to expect a check in the mail, which never arrived While waiting for this reimbursement, I made an additional payment to Bilt on XX/XX/XXXX in the amount of {$1000.00} to clear the balance on my account, under the assumption that Wells Fargo would be reimbursing me. As a result, I have now paid a total of {$2100.00} toward what should have been a single balance, and I am currently out these funds. I have now spent over a month attempting to resolve this issue between both companies and have been repeatedly redirected without resolution.

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 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I received a reminder from my insurance agent on XX/XX/year> that my XXXX XXXX was due before XX/XX/year>. I informed her that Rocket Mortgage escrows for my insurance and would pay before. On XX/XX/year> I checked both Rocket Mortgage and XXXX XXXX and XXXX 's online portals and saw that my insurance still had not been paid. I called Rocket Mortgage and finally got to a person who could help me. The rep mentioned that they were having issues stemming from the merger with " XXXX XXXX '' which looks to being a mortgage servicing entity. I told him I did not care and it needed to be paid immediately. He reached out to the insurance company and said he was overnighting a payment and nothing would happen. I received a lapsed policy notice on XX/XX/year> due to lack of payment. I had no insurance coverage for XX/XX/year>. Apparently, the payment was received after my policy expired but it was reinstated and I received notice it was reinstated. This should NEVER happen and want to have record and enable CFPB and other consumers to be aware of the potential issues with Rocket Mortgage.

Company response to consumer: Closed with explanation