vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Issue Type : Checking/Savings Funds Not Received/ Delayed Check I am filing this complaint because Chase Bank has failed to resolve an issue involving a check that Chase claims was issued but never received. Tracking indicated the check was delivered and then returned to Chase. Despite this, no replacement has been provided. 

I have contacted the Chase Executive Office multiple times over several months. My most recent call was on XX/XX/year>, at XXXXXXXX XXXX  PST with representative XXXX ( extension XXXX ), who again stated she had no update and needed to reach out for XXXX. This is the exact same response I have received repeatedly. 

I previously filed a CFPB complaint on this issue, but Chase did not resolve the matter. I am filing this second complaint because Chase continues to provide repetitive non-answers and has still not reissued the check or provided any written explanation.

This delay has caused financial hardship and business disruption.

I am requesting the CFPB require Chase to : Immediately reissue the missing funds. 
Provide a clear written explanation of what happened to the original check. 

Provide a written timeline for resolution.

Compensate me for avoidable financial harm caused by their delay.

Chase has not taken reasonable action despite multiple opportunities and prior regulatory involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account does not belong to my credit profile and is inaccurate.

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 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
ssue : Loan refunded but creditor not applying refund and reporting inaccurate information Companies : Affirm, XXXX XXXX Loan ID : XXXX Summary : The legal service contract was canceled and never performed. The attorney refunded the full financed amount. Affirm/XXXXXXXX XXXX  failed XXXX apply this refund, continues to treat the loan as active, and is reporting or threatening to report inaccurate information. This violates the Loan Agreement Sections XXXX and XXXX, the Fair Credit Reporting Act, the Truth in Lending Act, and UDAAP provisions. 

Requested Resolution : Apply refund XXXX balance Close account Remove harmful credit data Confirm correction

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied to the CIti for a new XXXXXXXX XXXX XXXX Credit card, as i recently switched to XXXX XXXX XXXX 
I was denied. XXXX I have had a XXXX credit card with them for years and have never missed a payment. And my credit score per their own denial letter is an XXXX

This may not be overt discrimination, but I am XXXX and a Veteran and have been rejected before based on my name. 
But there may be some Disparate Impact based on their policies!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: UMB FINANCIAL CORPORATION
State: FL

Complaint narrative:
Loan transfer as of XX/XX/year> Multiple conflicting documentations and statements received, Multiple phone calls were made to verify information. 

Statements received with questionable calculations of principal and interest applications. 
Again, phone calls as well as emails and web site messages sent with questions. 
Generic or non-applicable responses received as well as round and round who to contact. 

Escrow account mismanaged. Funds collected, insurance dropped with no change of funds to be collected. 

Account information online different from statements received without explanations. 
Example being beginning principal balance with details. 

My understanding is mortgage transfer terms are not to be changed from original, and no cost is to be added to loan. 
I question this to have occurred. 

Due to my lack of trust with this institution and its calculations, I paid off this loan with my XXXX per its payoff balance to which I also question Even my XXXX XXXX had difficulty communicating with what she called incompetent staff,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cash app says they closed my account for fraud. So now they also will not release my tax documents from last year. I have no way to acases my documents

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions improper denial of my account application, despite my confirmed eligibility, and the institutions continued failure to resolve the issue.

I meet Navy Federals eligibility requirements i am a child of a veteran grandchild of a veteran, and currently live with a navy federal member, yet my application was denied. When I contacted Navy Federal by phone, I was explicitly told by a representative that the denial was a system glitch, not a valid eligibility or security issue. However, each time I speak with a different representative, I am given inconsistent and contradictory explanations for the denial.

I was instructed to submit documentation and complete a security appeal to resolve the issue. I complied fully and submitted all requested documentation. Despite this, no one has properly followed up, reviewed my appeal, or contacted me to resolve the matter.

Instead, Navy Federal continues to send the same automated email repeatedly to this email XXXX, instructing me to resend my information, without any meaningful assistance, resolution, or escalation. This has resulted in unnecessary delays, confusion, and continued denial of access to services for which I qualify. 

Due to the repeated inconsistencies, lack of assistance, and failure to resolve an acknowledged system error, I am concerned that I am being unfairly and potentially illegally targeted, in violation of consumer protection laws.

This conduct raises serious concerns under : Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., which prohibits discriminatory or unjustified denials Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to the extent inaccurate or unverifiable information may have been relied upon CFPB requirements that financial institutions provide clear, accurate, and consistent information to consumers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
The original collector was invitation homes I took them to court to show proof that everything was paid in full and won. I have court documentation proof that the collector was paid in full. And case was dismissed in court by the judge. The balance should be paid in full or a XXXX balance on my credit but its being reported that I still owe them. I asked to get it removed and provided all proof and still they havent removed it.

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 2026-02-05 00:00:00
Product: Credit card — Store credit 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: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I made a purchase at XXXX XXXX in XXXX XXXX in XXXX, Arizona. I made a purchase on XX/XX/XXXX, and then had a refund processed through affirm. XXXX said they refunded the amount on XX/XX/XXXX, but they applied the refund to the wrong affirm purchase and Im being charged for XXXX XXXX accounts and being requested to pay for both when I should only be paying for one account. Affirm told me I have to pay on both because XXXX XXXX applied the refund incorrectly and XXXX said that they can not reprocess a different refund and affirm is saying that they can not apply the refund to the correct account so Im being forced to pay on 2 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had a loan with XXXX XXXX that was serviced by Bank of America ( BOA ). 
I went into default and in XXXX BOA, at a foreclosure mediation hearing, agreed to XXXX me a modification provided that I pay {$20000.00} up front and then XXXX trial period payments. I paid the XXXX and made the XXXX trial payments. Then BOA demanded another trial period and I once again made all three ( XXXX ) payments on time. BOA returned the XXXX payments and denied my modification. 
I am entitled to the return of the XXXX plus interest. 
I made this same complaint against XXXX in the class action suit but was denied because XXXX ' was not the Servicer. BOA was the loan servicer and took my XXXX and thereafter denied me my 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 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Chime claims my IRS XXXX XXXX was returned to the IRS, but the IRS never received it. Chime has not provided trace numbers or proof. My XXXX  has been missing for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO CAPIT is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO CAPIT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: KY

Complaint narrative:
I would like to delete my account and all its data. This is separate from closing the account. I want the entire account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: PA

Complaint narrative:
I am filing a complaint regarding Capital Ones handling of my billing dispute and the treatment I received when attempting to obtain assistance. 

I disputed a charge for an XXXX purchase that I properly returned. The item was returned the day after receipt and delivered back to the merchant on XX/XX/year>. I provided Capital One with my FedEx drop-off receipt and delivery confirmation. 

My dispute case number is XXXX. 

Although I submitted all requested documentation, Capital One informed me that the charge would remain on my account while the investigation continues for up to XXXX months. 

When I called Capital One to confirm my documentation and request clarification, the representative was rude, dismissive, and disconnected the call while I was speaking. 

I am concerned about how my dispute is being handled and about the lack of professional treatment. I am requesting that Capital One : 1. Confirm that all of my return documentation is properly attached to my dispute case.

2. Review the handling of my dispute.

3. Address the unprofessional conduct of the representative.

4. Provide written confirmation of the status of my dispute and any protections being applied to my account during the investigation. 

This charge involves merchandise that was returned and received by the merchant, yet no refund has been issued. 

I am requesting assistance to ensure my dispute is being fairly and properly reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX : I used my XXXX XXXX credit card to make an online purchase. 

XX/XX/XXXX : One item from my purchase was not delivered. It was a XXXX XXXX XXXX ( XXXX ) for {$13.00}. Virtual Assistant confirmed there was a shipping error, and they would cancel it. They confirmed I would receive my {$13.00} refund to my XXXX XXXX credit card within XXXX business days. 

XX/XX/XXXX : I sent a secured message through my account portal asking for a status update. They confirmed there was no pending credit, and I should call XXXX for additional information. 

XX/XX/XXXX : I called the phone number provided within the message : XXXX. After spending XXXX minutes going through prompts, I was transferred to Comenity Bank. I explained I was looking for a credit which was promised to me on XX/XX/XXXX. The representative told me to call the same number which transferred me to the bank. I explained I already called and they transferred me here. I was unsuccessful getting my issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: Block, Inc.
State: MD

Complaint narrative:
I used XXXX XXXX to make a purchase from XXXX totaling {$520.00}. I returned the merchandise to the merchant, and the return was successfully delivered on XX/XX/year>. The return tracking number is XXXX, which confirms delivery. Despite proof of delivery, the merchant failed to issue a refund, and XXXX XXXX has not resolved the billing dispute. I am requesting a full refund and that all remaining payments be stopped. My items say returned successfully. I am owed XXXX because the {$100.00} the company was sold out so it was an automatic refund. That was processed automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I received a One pay card in the mail that I never applied for. I've tried unsuccessfully XXXX different times to have it closed. Today I got email saying my statement is available. So I chatted with the XXXX person today and demanded that I give my name address last XXXX of SS. I refused because I already went through it 3 times. I finally said just keep sending statements because I'm done fighting and wasting time.

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 2026-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I made a purchase of an adjustable base at from Mattress Firm at the XXXX XXXX XXXX back in 2023. The purchase was financed through Synchrony bank with a XXXX promotional period 0 % interest. 

At the point of sale at Mattress Firm, I was told that making the minimum monthly payments would pay off the balance within the XXXX promotional period. I relied on this information when agreeing to the financing. 
I made all required minimum payments on time. However, the minimum payments were not sufficient to pay off the balance by the end of the promotional period, and Synchrony applied retroactive interest from the start of the loan. 
The financing terms were misrepresented at the point of sale. I am disputing the deferred interest charges and requesting a promotional interest reversal or adjustment due to this misrepresentation.

No written disclosure showed minimum payment would not pay off the balance

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 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: NM

Complaint narrative:
I was approved for a personal loan with Marinaer Finance. 
I was approved online for a loan of {$1000.00}. I have all the messages and I called yesterday XX/XX/year> to confirm. I set an appointment with a loan XXXX and when I did I asked her again? If she was sure it was % XXXX approved. I asked her what I needed and she swore just me!!!! I got there at XXXX she asked if had a debt card. She was going to have the funds deposited on to it. I didn't have XXXX, I could use at the time. She said it was ok, because she was just going to print the check. Then she asked her coworker or XXXX to look it over. The woman she asked then tells her to that I needed to use my Deed for my Mobile Home as collateral. This is a violation. I was very angry and I told them they were falsely misinformed about civil rights. I walked out and when I tried to file a complaint at the XXXX XXXX website, the agent I spoke with was also extremely rude towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a new TD flexpay credit card application online and requests for balance transfer from another bank of {$6000.00} when I filled up application. I called TD bank on XX/XX/26 to ask about my balance transfer, the lady rep says that balance transfer will be processed on XX/XX/26. On XX/XX/26, I called TD bank again to ask about balance transfer because I didnt see {$6000.00} balance transfer to TD bank. The TD manager says theres an error in their system and my balance transfer is delayed. I shouldve have to call twice to follow up on my balance transfer. Because of TD banks error and negligence, Im going to get penalties on the other bank institution. This is so unfair. Please help me get back my money. They have the error and I shouldnt have to pay for TDs error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank mishandled my account and failed to provide required notice when they transferred or sold it to XXXX XXXX. I was never notified of the transfer, and the account was later returned to Chase without explanation. This created inaccurate and incomplete information about my account. 

On XX/XX/year> at XXXX XXXX I spoke with a Chase representative named XXXX ( Agent ID XXXX ). The call was recorded. I offered a {$5000.00} settlement. The representative countered with {$8000.00}. I did not decline the offer. However, Chase documented in their system that I declined the {$8000.00} settlement, which is false and has affected my ability to resolve the debt. 

I am requesting that the CFPB investigate the following issues : Chases failure to notify me when the account was transferred or sold to XXXX XXXX The inaccurate internal notes stating I declined an {$8000.00} settlement offer The accuracy of any information furnished to credit reporting agencies related to this transfer The circumstances under which the account was transferred and then returned without notice Chases obligation to correct their records and negotiate in good faith based on accurate information I am requesting a full investigation and a written response from both Chase and XXXX XXXX.

Company response to consumer: Closed with explanation