vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
I am filing a complaint regarding a denied unauthorized transaction claim totaling XXXX. I reported multiple transactions as unauthorized. Charles Schwab Bank denied my claim and later issued a final determination refusing to reopen the matter after I submitted a formal written rebuttal on XX/XX/2026. Schwabs determination relies on XXXX chip usage, PIN verification, and XXXX XXXX data. These factors do not establish that I authorized the transactions. Under the Electronic Fund Transfer Act, 15 U.S.C. section XXXXg, the burden is on the financial institution to prove that a transaction was authorized by the consumer. Schwab has not provided evidence that I personally initiated or approved the transactions. Schwab is relying on the assumption that because a valid card and PIN were used, the transactions must be authorized. This does not establish the identity of the person who conducted the transactions. Schwab also relied on delivery confirmation and merchant documentation. Delivery to an address does not establish that I received or authorized the goods. No signature or verified receipt by me has been provided. I requested documentation supporting their determination, including transaction data and evidence of authorization. Schwab did not provide this information and refused to reopen the claim. Schwabs investigation appears to rely on assumptions and third-party assertions rather than verifiable evidence linking me to the transactions. This does not meet the standard of a reasonable investigation required under Regulation XXXX. I am requesting that Schwab be required to provide all documentation relied upon in their investigation, demonstrate evidence that I authorized the transactions, conduct a proper reinvestigation in compliance with federal law, and restore the disputed funds if authorization can not be proven. This matter remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am filing a formal complaint against American Express for failure to provide access to an approved credit account and for ongoing unresolved service failures. My application for an American Express Gold Card was approved on XX/XX/scrub>, 2026. I was told the card would arrive within XXXX business days. As of today, more than a month later, I have still not received the card. Since XX/XX/XXXX, I have contacted American Express multiple times. Each time, I was instructed by customer service to have a replacement card issued because the previous one was not delivered. Despite repeated assurances, none of the replacement cards were ever received. Timeline of repeated failures : XX/XX/XXXXXX/XX/XXXX : First replacement card issued XX/XX/XXXXXX/XX/XXXX : Replacement card issued; not deliveredXX/XX/XXXXXX/XX/XXXX : Called for tracking ; informed the card had not even been shipped XX/XX/XXXXXX/XX/XXXX : Another replacement card issued; not delivered XX/XX/XXXXXX/XX/XXXX : Address updated and expedited (XX/XX/XXXX overnight ) delivery arranged ; still not delivered XX/XX/XXXXXX/XX/XXXX : Instructed again to request another replacement card At no point have I received tracking information. Each time I checked the mobile app, it showed that the card had not been shipped. This indicates a breakdown in American Expresss internal fulfillment process, not a mailing issue. Additionally, I have received inconsistent and unreliable explanations, including claims of weather delays, lost mail, or no explanation at all. No representative has provided a clear or accurate reason for the failure, nor a solution to resolve it. I have already attempted all reasonable steps, including : * Multiple replacement requests initiated by customer service * Address verification and change * Expedited shipping via XX/XX/XXXX Despite this, American Express has failed to produce or deliver the card. I have effectively been approved for a financial product that I can not access. This has resulted in : * Over XXXX month of denied access to my credit account * Inability to earn rewards or use the card benefits * An annual fee scheduled for XX/XX/year>2026, on an account I have never been able to use This situation is unacceptable and demonstrates a failure to provide the basic service associated with an approved credit account. I am requesting the following : XXXX. Immediate investigation into whether my account is being improperly restricted or blocked from card issuance XXXX. Immediate resolution and confirmed delivery of my card through a verifiable method XXXX. Full waiver or refund of the annual fee XXXX. Compensation for the extended inconvenience and loss of benefits American Express has had multiple opportunities to resolve this issue and has failed to do so. I am requesting formal intervention to ensure this matter is addressed without further delay. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
On XX/XX/year>, at approximately XXXXXX/XX/XXXX I noticed XXXX unauthorized transactions on my account that I did not make or approve. The total amount of these transactions is approximately {$3300.00}. The transactions include multiple charges from merchants such as XX/XX/XXXX and XX/XX/XXXX I was in possession of my card at all times and did not authorize these transactions. I immediately contacted the company to report the fraud and requested an investigation and refund. I also filed a police report regarding the unauthorized activity. Despite reporting this promptly, the company has failed to properly resolve the issue and denied my dispute without sufficient explanation. I was not provided with clear documentation or evidence showing that the transactions were authorized by me. I believe the company did not conduct a fair or thorough investigation. I am requesting that the company fully investigate this matter, provide all documentation related to the transactions, and issue a refund for the unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
This is a Goodleap XXXX XXXX They call up to XX/XX/XXXXtimes per day. And use tactics and ask how I feed my children and buy groceries if I have no income coming in. It is constant harassment daily. They get very violent with there communication. They already have came onto my property and put a lock on my solar inverter box. My home is up for sale and they are aware that they will be paid when the home is sold and they continue to harass daily. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
Request for Full Discharge of Student Loans Due to XXXX Misleading and Unlawful Practices I am writing to formally request the discharge of all student loans held by XXXX due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. XXXX misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, XXXX has a history of misreporting my payment status to credit agencies, severely damaging my credit score. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which XXXX has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). Navient conduct has caused me significant financial harm, mental distress, and a long-term burden that could have been avoided with honest and fair guidance. Additionally, XXXX transferred my loans to XXXX, Nelnet, and now Edfinancial without my knowledge, leading to inaccurate payment history that delayed or stalled my forgiveness timeline. When my loans were being serviced by XXXX, I had a hard time accessing my account information as I could not get a representative to answer the phone to address my student loan concerns. As a borrower who relied on XXXX and XXXXXXXX XXXX advice and entrusted them to manage my student loans be fully forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Today, XX/XX/XXXX, I paid my internet and cell phone bill using my bank debit card. I then went to CashApp to pay my sister a car payment. I chose her name as the recipient and entered {$200.00} for the amount. The app said my banking information was expired and the fields for the debit card automatically came up. I was confused because I had just paid my other bills with the same card which is the same card on my record with CashApp. As soon as I entered all the required fields, the transaction went through BUT to a person I sent money to in XXXX without me choosing them! I tried the chat option and only got a bot. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Late last year, my mortgage withXX/XX/XXXXwas transferred to Rocket Mortgage. As I am in the process of preparing my 2025 tax return, I need a copy of my XXXX Mortgage Interest Statement. I tried a multitude of ways to get access to my account at Rocket Mortgage but it does not show my mortgage account. I even tried the website for XX/XX/XXXX but it does not recognize my account anymore. So I have no way of getting access to my current mortgage information - neither at the XX/XX/XXXX website nor on the Rocket Mortgage website. Looking online, it seems that I am not alone. There are many other irate people in the same situation without being able to access their account. Some, who seem that did not have autopay, are having their lives made miserable by not being able to access their account to make a payment and are being hit with late fees. And getting in touch with customer service - either via online chat or telephone is next to impossible. Please force Rocket Mortgage to provide account access immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Global Lending Services LLC
State: MO

Complaint narrative:
I no longer have the car and the car was repossessed. The company I purchased the car from closed down a year after I purchased the car. I tried making payments but I don't think it's fair to make payments on a car I don't have. They refuse to remove it off my credit report and refuse to work with me. The car was repossessed XX/XX/XXXX years ago and they added interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, over {$19000.00} was stolen from my bank account in a matter of minutes. This happened in the middle of the night while i was sleeping. There were over XXXX repetitive transactions from XXXX, and about XXXX charges from an unknown business in XXXX ( where i was on vacation at the time the fraud happened ) Well when i noticed my account was completely drained when i woke up in the morning i immediately called Wells Fargo and filed a claim. They told me it would take up to XXXX business days to get back to me with their investigation results. In that time frame, i only received XXXX phone call with them seeking more information from me. I called multiple times in between but was always given vague responses like were working on it and well get back to you once we have more information. I told Wells Fargo my card was lost, and theres not much else i knew about the transactions except i didnt make them. XXXX days go by, my claim gets denied. I ask them on what grounds they are denying my claim, all they say is they legally cant give me any information, but they can re open the claim and elevate it to a fraud manager. The claim gets re opened and Im told it can take another XXXX business days to hear back. Fast forward to about XXXX days ago, I get a call with them seeking information again, in which i just re iterate what i said before. Today i get a call that the claim was denied again. I then demand to know on what grounds the claim was denied again. I know they can trace the location of where the transactions were made, and i asked to be provided that information. Once again Im told i dont have the legal right to be told anything. They also stated that the claim can not be re opened again, and theres absolutely nothing they can do about it. I received no alerts from Wells Fargo in the midst of the transactions, i only received an email because my daily spending limit had been met after the fraudster drained XXXX from my account.

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 2026-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: OR

Complaint narrative:
I am writing to dispute an inaccurate report made by my Chime account that has negatively impacted my credit. My account was incorrectly reported as having a negative balance of {$1000.00}, suggesting that I owed money that I did not, in fact, owe. The funds in question were from a direct deposit of my own moneynot borrowed fundsand there was no legitimate basis for reporting a debt. This misrepresentation has caused significant harm to my credit score and has adversely affected my financial standing and daily life. I am requesting that this error be promptly investigated and corrected with all credit reporting agencies. Additionally, due to the impact this has had on my credit and personal circumstances, I am seeking appropriate compensation for the damages caused. Please address this matter as soon as possible and provide confirmation once the correction has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I am filing a complaint against PNC Bank regarding funds being held without clear resolution. A tax refund deposit was sent to my PNC account. Although my name is on the tax return as a taxpayer, PNC is refusing to release or return the funds due to a name mismatch involving the primary taxpayer listed on the deposit. I have already provided identification and supporting documents, and I am willing to verify ownership of the funds. However, PNC continues to hold the money without a clear timeline or resolution, which is causing financial hardship. I am requesting that PNC either : XXXX. Release the funds to me, or XXXX. Return the funds to the issuing agency immediately I would also like a clear written explanation of their decision and the legal basis for continuing to hold these funds. This delay appears unreasonable and inconsistent with fair banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Please reference CFPB complaint XX/XX/XXXXXXXX, as this is follow on from lack of transparency to that complaint. As I requested with complaint listed above, Citi Bank did not provide an accounting audit of transactions to prove they are in compliance with the CARD act, and did not sufficiently address my concerns of being overcharged interest. While Citi Bank did refundXX/XX/XXXX months of interest on Citi plan XXXX at XX/XX/XXXX, they did not address the XX/XX/XXXXmonths of standard purchases ( SP ) atXX/XX/XXXX, which is the highest rate on this Credit card. I assumed when I filed my complaint they would perform a full audit and address all interest inaccuracies. They did not. Per the companies return statement to me : " However, in order to comply with the Credit CARD Act of 2009, once the XXXX is satisfied, any amount paid in excess of the required minimum payment will be applied in order of highest to lowest XXXX. If a purchase and cash advance balance have the same XXXX, the purchase balance is paid first. '' My payments in access of the minimum payment due ( XXXX ) should have been applied to my XXXX at XXXX, then citi plan XXXX, then the 0 % balance transfer. Company did not sufficiently audit account nor follow federal law, nor actually complete a full audit of my account as previously requested. As a consumer, it is impossible for me to verify that the daily balance subject to interest rate under XXXX that I view monthly on my statement at 22.74 % is correct, especially in light of Citi 's stated " system error '' that resulted in thousands of dollars of payments going to lowest interest rates. I believe this is far more serious than Citi 's stated " system error. '' I would assume this is a systemic issue with Citi and will speak with legal council regarding class action as lead plaintiff. If this was simply a " system error '' Citi bank would have provided me with a full accounting record to show all flows of payments, as opposed to a form letter and a partial refund of interest I was wrongfully charged. Thank you

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 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Notice to Credit Collectors : Can you show me, in writing, a legal contract I signed with your company? You can not, and therefore must delete all documents and reports bearing my name within XX/XX/XXXX days of receiving this notice. These are violations of my civil rights 15 U.S.C. XXXX False or Misleading Representation 15 U.S.C. XXXX Unfair Collection Practices 15 U.S.C. XXXX Debt Validation Requirement Your company has also been reported to the Fair Debt Collection Practices Act ( FDCPA, Fair Credit Reporting Act ( FCRA ) Consumer Financial Protection Bureau And Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EAST WEST BANK
State: TX

Complaint narrative:
I am filing a complaint against East West Bank regarding unfair account restriction and denial of access to my funds. In XX/XX/year>2026, I opened an account and deposited a {$6000.00} check. After approximately XXXX days, my account was suddenly restricted. I was unable to log into the mobile app and could not access my funds. I contacted the bank and was told that I needed to provide proof of address, and that a lease agreement would be sufficient. However, when I visited the branch in person on XX/XX/year>2026, I was told that only utility bills would be accepted. This directly contradicts the prior instructions I received. I currently do not have utility bills under my name, and this requirement was never clearly disclosed at the time of account opening or deposit. I requested to close my account and withdraw my funds, but I was informed that my account is frozen and can not be closed. This effectively denies me access to my own money without a clear resolution. Additionally, I live over XXXX XXXX driving distance from the branch, causing significant burden and inconvenience. This situation has caused financial hardship and loss. I request the following : XXXX. Immediate release of my {$6000.00} funds XXXX. Closure of my account without further delay XXXX. Compensation of {$2000.00} for damages caused by misinformation, restricted access, and inconvenience I believe the bank has engaged in unfair and inconsistent practices and failed to provide clear and accurate information. If not resolved promptly, I am prepared to pursue further regulatory and legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
It has been XX/XX/XXXX days and we have not recieved our escrow refund check. I have tried many times to reach someone without success. Endless transfers and automated systems with no answer to where the check is or if it needs to be reissued

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
My PayPal account was permanently limited, and my funds, including cryptocurrency, were held for XXXX days. That holding period has already passed, and it has now been over XXXX additional days. PayPal stated that my funds are eligible for withdrawal, but I am unable to access them. When I attempt to sell or withdraw my cryptocurrency, PayPal requires me to enter my Social Security number. However, when I try to submit this information, I am redirected to a page stating that my account is permanently limited, which prevents me from completing the withdrawal process. I have contacted PayPal multiple times, and they continue to delay resolution by asking me to wait additional time without fixing the issue. This appears to be a system error or restriction that is preventing me from accessing my funds. I am requesting immediate resolution and release of my funds, including my cryptocurrency balance, as the required holding period has already passed and I am being blocked from withdrawing due to XXXX system.

Company response to consumer: Closed with non-monetary relief