vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
b'My name is XXXX XXXX XXXX I\'ve faxed documents on behalf of my deceased father, XXXX XXXX. Previously, I faxed his death certificate, in XXXX XXXX and I received a check paid to the order of him. I then visited a TD bank branch in which the teller directed me to endorse the check as "For Deposit only". They were then unable to process the check, leaving the Check Void as my father is deceased and his checking savings accounts have now been closed. That was in XXXX XXXX I have filed documentation to become my father\'s personal representative under Massachusetts General Laws C. 1908 83-1201. I have sent a signed stamped, copy of this document to the probate department, along with another copy of his death Certificate, to fax number XXXX XXXX XXXX XXXX However, the probate department has failed at processing these documents and will not speak with me until they receive the documents, which I cannot confirm if theyre received because they wont speak to me. I\'ve tried calling the credit card department at XXXX over 100 times at least. Everytime I call, I get transferred to XXXX XXXX, which have informed me is an error in TD Banks protocol, as they do not have my fathers information. This has been ongoing for 5 months. The documents are only supposed to take 30 days to process and Ive sent them at least 3 times within the past 5 months. I challenge you to go through this process, so you can see how difficult it is to connect to someone that can help with this issue. I challenge you to review every phone call Ive made and listen to the disrespect and lack of assistance that Ive endured when dealing with TD Bank employees. I sincerely challenge you to do so, and you will find there is a major flaw in the system. I have most recently went back to the TD branch on XXXX XXXX and they have experienced the same issue when trying to contact the credit card department on my behalf. You can speak with XXXX XXXX Assistant Store Manager NMLS ID#XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnAnd she will tell you how difficult this process is. She is also the teller that told me to endorse the check initially.\nI am sending a formal complaint to you today to ask you to please investigate this issue so that the check may be reissued and this mayter resolved. Account Number: XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MS

Complaint narrative:
On XX/XX/XXXX I was notified of inaccuracy on my credit report I have reached out to the agency and am seeking that you help me rectify the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
Our business account with First Citizens Banks has been levied on XX/XX/XXXX. The funds are still frozen and the levy has yet to be processed. Monies are being deposited and no payments ( automatic ) are being withdrawn. The account should have been levied on XX/XX/XXXX then unfrozen on XX/XX/XXXX. It is XX/XX/XXXX and it is still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting a complaint regarding XXXX XXXX what I believe was a confusing and misleading recurring billing and cancellation process involving a semaglutide telehealth subscription service. When I originally signed up, I was never clearly informed that the program involved two separate recurring subscriptions : one for the medication and another separate membership/service fee. Later, when I canceled the medication portion of the service, I reasonably believed I was canceling the entire program. At no point during the cancellation process was it clearly disclosed that I also needed to separately cancel an additional recurring membership subscription. As a result, I was charged {$190.00} in ongoing membership fees after discontinuing the medication service. I disputed the charge with my credit card company, and I lost the dispute. After discovering the charge, I contacted the company and attempted to resolve the issue reasonably. I requested either a refund or reinstatement of the membership period I had already paid for. I also offered to continue paying the monthly medication fee for additional months so I could receive the benefit of the membership charge that had already been retained. The company refused both a refund and any reasonable compromise. My concern is that the companys subscription structure, cancellation process, and recurring billing disclosures may be misleading to consumers and may cause customers to unknowingly continue being billed after believing they canceled their service.

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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
I am disputing the validity and reporting of this alleged apartment debt/collection account. I previously made payment by money order for the rent balance owed. The payment was submitted through the apartment drop box, but I was later informed that the payment was lost and the balance was still considered unpaid. I do not believe I should be held responsible for internal mishandling of a payment that was already submitted. I am requesting a full investigation into this matter and asking for the following : - A complete payment ledger and accounting history - Copies of the lease and move-out charges- Verification of the amount being claimed - Documentation proving the debt is valid and accurately reported - Investigation into the missing money order payment If this account can not be fully verified or if the balance is inaccurate, I request that the collection be removed from all credit reporting agencies immediately. I expect this matter to be investigated promptly under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase closed our business account without any written notice or warning. I found out the account was closed only when I tried to login and couldn't login. At that point when I called the back office/walked into the local branch, I was told that the account has been closed and the remaining funds would be sent back to my mailing address on record. That was in XXXX XXXX over a year ago. The {$33000.00} have been held since then. I've have made several calls, visits to the branches and even emailed the CEO and they have not released the funds. Their reasoning is that they have no way to link the account to the signer, these documents ( formation docs, EIN, IDs ) were provided during account opening and I have provided the same documents when the account was closed, as well, to aid in the release of funds. They are claiming that they have no way to publicly verify that the signer is the account owner - mind you they never give a written reason and only state that in voice : I've asked what document do you need and they never say what exactly they need, only repeat we are verifying and continue to and never give us a timeline. The business is a Delaware LLC and in Delaware state, the secretary of state does not provide or maintain the LLC ownership information. They only keep the Registered Agent information, once the LLC is successfully formed. I've informed JP Morgan Chase, if the owner linkage to LLC was good enough during opening an account, the same should be good enough during closure. If their processes are different between opening and closing an account, that is not the burden of the client. I've further informed them and tried to resolve the matter by stating that they are not sending a personal cashiers check to the signer and that they are sending it to the business name and that we are even ok with it being sent to the Registered Agent. We can no longer wait for them to resolve this matter, and we strongly believe not only JP Morgan Chase caused our business to be disrupted, caused loss of income but they also owe us compensation in the form of interests and billable time of 40-50 hours. Not to mention the frustration, annoyance and mental anguish.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Global Lending Services LLC
State: AR

Complaint narrative:
So I contacted XXXX because I received a email from the manager stating that he reviewed my account and found I might be eligible for a extension. So I proceeded to call. I did make a payment XX/XX/year>. As im talking to the man hes basically like yea like either you have to pay today or itll be in collections to be repossessed. So he then was like whats been going on So i tell him how ive started a new job and had to pay my rent late so ill have to pay my car note late around the XXXX then i said actually i get paid on Thursdays so ill be able to pay around the XXXX he didnt ask for a partial payment or anything his attitude gave why call if you didnt have the money. He was pushing for a same day payment when I dont HAVE IT TODAY. So after he began to talk in circles trying to pressure me into paying I thanked him fir his time and the call was ended. Normally the rep would make a note on my account ir set up a automatic payment. This one just hug up idk kf he was annoyed bc i didnt have XXXX to give.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CO

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MS

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
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: GA

Complaint narrative:
Good Afternoon, I have tried calling in and uploading the following attachments for dispute on an initial denial with my business bank account. We have not heard back since. I am writing to formally dispute a chargeback decision processed through XXXX XXXX XXXX ( JP Morgan Chase merchant processor regarding a transaction totaling {$2900.00} from by business checking acct ending in XXXX, along with any associated withheld funds that were never released from credit cards processed through XXXX XXXX XXXX for the amount of the initial chargeback of {$11000.00}. This chargeback was previously declined due to alleged lack of evidence, which is both inaccurate and unacceptable given the documentation now provided. Facts of the Case : The transaction in question was a legitimate service performed by XXXX XXXX XXXX, a 5-star rated business with a spotless track record across all platforms. The individual who initiated the dispute has since been identified through a police investigation as committing theft by deception, including falsifying identification. Official police documentation is attached confirming fraudulent intent by the cardholder. Key Issue : Your institution has effectively allowed a confirmed fraudulent party to retain funds while penalizing a verified, legitimate business. This constitutes a failure in proper merchant protection and due diligence. Supporting Documentation Includes : Police report confirming fraud and identity falsification Proof of service rendered Transaction records Communication logs Demand for Resolution : I am requesting : Immediate re-evaluation of this chargeback Full reversal of the disputed amount Release of all funds currently being held Failure to correct this matter promptly may expose your organization to liability for damages caused by improper handling of a verified fraud case. I expect confirmation of receipt and escalation to a senior chargeback analyst within 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I entered into 4 month forbearance from XX/XX/XXXX to XX/XX/XXXX, with PennyMac, when I was laid off from my job. I have 3 letters stating that I was in forbearance and no payment was due during the forbearance period. Once I received offer of employment, I called PennyMac on XX/XX/XXXX to inform them that I was employed and what were my options to start resuming payments on my mortgage and was offered a loan modification to catch up on the past due amounts and start making the modified amounts. On XX/XX/XXXX, I was reported as 120 days late on all 3 bureaus, and last week on XX/XX/XXXX, I was reported as late again for XX/XX/XXXX ( which is a double error as XXXX was included in the original 120 days reported comment. I disputed the status with the 3 credit bureaus and attached all three letters stating that I had no payment due during forbearance. Under the CARES Act, if I am in a forbearance agreement and my account was current before it started, PennyMac is legally required to report my account as " current '' to credit bureaus. If they are reporting late payments for the months I was in forbearance, this is an error. I called PennyMac several times and asked to speak to the Credit Reporting or Research Dept. and asked to speak to a manager and was promised a call back twice. I clearly stated that I was on an active forbearance plan and seeking to have them correct the late payment reporting. I asked for a " Notice of Error '' investigation and that they are in violation of Section 4021 of the CARES Act, but at no avail. The incorrect reporting has tanked my credit and no one can help me answer why I am not able to correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I have been stuck in a run around for soon to be three weeks over XXXX dollars in BTC with cashapp, ive made two complaints and was returned with basically a nothing burger. Im not asking for the account to be reopened, just for my funds. I cant verify due to a software issue/lockout, I cant add a sponsor due to the same issue, and I cant remove my money, again, due to the same issue. The support they offer always comes back with automated responses or empty messages that say a specialist will help but no response for well over two weeks. Ive called and texted multiple times to no avail. I provided my ssn and state ID multiple times as well and they claimed they cant prove I own the account ill be adding a screenshot that has my information under the account. Is this NOT an unlawful withholding of my funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: RI

Complaint narrative:
XXXX XXXX blocked my card from doing transactions, so I have no access to my XXXX funds, about XXXX dollars it more, in 2 weeks. I have called them at least 10 times. I have sent them numerous copies of my driver 's license and my birth certificate. I have also sent them photos of my social security card, but to no avail. They have not replied to me via email except for once or twice requesting further of my information. This has been going on for weeks and I'm fed up. Please make this right. I have more faith in the CFPB than I do in a XXXX XXXX. Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/year>, Synchrony Bank, issue r of the CareCredit card, charged me {$2400.00} in deferred promotional interest after a financing promotion expired. I did not receive any advance notification that the promotional period was ending or that this interest charge was imminent. Synchrony Bank stated that monthly statements had been sent, but I never received them by mail or email, and no notices appeared in my spam or junk folders. As a result, I was unaware that the promotional balance was nearing expiration. When I contacted Synchrony Bank to request assistance or a reduction of the interest charge including offering to immediately pay the remaining balance in full the company refused to provide any accommodation or resolution. I believe consumers should receive clear and reliable notification before substantial deferred interest charges are 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 explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I paid my monthly payment twice and called the day I did it and was told I would get a refund in 3-5 days. They received the money on XX/XX/XXXX. I have not received my refund yet and I am told different reasons everytime I call. I called again today XX/XX/year> three different times and was told 3 different things. They try to keep money from customers. Some of us are elderly and live on a fixed income. Important : I did this once before, same company, and waited 2 months and had to borrow from family! Big companies have no empathy for elderly Americans!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

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 2026-05-19 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: ID

Complaint narrative:
Mountain America Credit Union ( MACU ) committed a significant clerical error during the disbursement of a debt consolidation loan. On XX/XX/XXXX, MACU issued a cashier 's check intended to pay off my XXXX XXXX credit card. However, MACU staff printed the corporate address for XXXX XXXXXXXX on the check instead of XXXX XXXX. The Error : While the payee was " XXXX XXXX, '' the address used was a competitors ( XXXX XXXX ). Furthermore, the check lacked my full account information, listing only the last 4 digits of my credit card. Due to MACU 's error in addressing the envelope, the check was intercepted and improperly cashed/negotiated by XXXX XXXX on XX/XX/XXXX. Harm Suffered : I have been attempting to resolve this with MACU for 11 weeks. During this time, I have been forced to pay interest and principal on the new MACU loan while simultaneously carrying the original debt at XXXX XXXX. My credit score also went down while i was trying to buy a car. MACU has failed to recover the misdirected funds or provide a provisional credit, despite the error being entirely administrative on their part. I went into the branch and talked to the manager and the only thing they could do was to do a skip a pay for one of my loans and they gave me half the amount of my XXXX XXXX credit card minimum payment. They also refunded the interest until two weeks ago. they said once they finalize the dispute with credit one they will refund all the interest that accrued from my XXXX XXXX card. But i cant afford to pay XXXX XXXX and XXXX XXXX. They started the dispute with credit one two weeks ago and there are saying it will take up to 6 months.

Company response to consumer: Closed with monetary relief