vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
SoFi provided an inaccurate and incomplete explanation regarding XXXX missing XXXX transactions ( {$150.00} and {$20.00} ) from XX/XX/year>. Their written response to CFPB Case # XXXX contains factual errors and does not address the internal ledger activity that caused my available balance to drop. Details : XXXX letter claims that the funds never left my account because the recipient was not enrolled in XXXX and I canceled the transactions. However, this explanation contradicts the actual XXXX statuses shown in my account : - Both transactions showed Pending Waiting for Recipient to Enroll - Both showed Initiated - Both later showed Sender Canceled Payment These statuses can not occur unless the funds were removed from my available balance and placed into XXXX XXXX XXXX. If the funds truly never left, the transactions would have shown only Canceled, with no pending status, no initiated status, and no sendercanceled status. My available balance did drop at the time of the transactions, and the funds were never returned to my account. This indicates an internal posting failure in XXXX XXXX return ledger. XXXX response relies on my XXXX statement, but monthly statements do not show : - XXXX pending holds - XXXX ledger debits - Internal return entries Therefore, the statement can not be used to determine whether funds were removed and returned internally. Requested Action : I am requesting that the CFPB require XXXX to : XXXX. Provide the internal XXXX ledger entries for both transactions, including : - The internal debit - The internal return - The timestamps for both XXXX. Explain why the transactions showed Pending, Initiated, and Sender Canceled Payment if the funds never left the account. XXXX. Issue a provisional credit under Regulation XXXX, since the funds were removed from my available balance and were not returned. XXXX explanation does not resolve the discrepancy between the XXXX statuses and their claim that no funds were removed. I am requesting a reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
I refinanced my mortgage and my loan with BSI Financial Services has been paid off and closed. At the time of payoff, my escrow account had approximately {$5800.00} that was owed back to me. BSI Financial Services performed an escrow analysis in XXXX and stated they mailed a refund check. I never received that check. After waiting XXXX weeks, I called and was told they could cancel and reissue it. A second check was supposedly mailed, which I also never received. They later stated they performed another analysis and voided the prior check and issued another, which again was never received. Most recently, I was told a new check was mailed approximately XXXX weeks ago, which I have still not received. I was told I must wait additional time before they will cancel and reissue it again. Alternatively, they offered to wire my funds but only if I pay a {$30.00} fee, despite the delays and failures being on their end. I have now been waiting for months to receive funds that are rightfully mine. I have not received a single check despite multiple attempts. The company has been unwilling to provide a traceable delivery method or waive the wire fee. I am requesting : XXXX. Immediate return of my escrow balance via wire transfer at no cost to me OR overnight check with tracking at their expense. XXXX. Confirmation that all previously issued checks have been voided. XXXX. Explanation for repeated failure to deliver funds. This delay is unreasonable and is preventing me from accessing my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management supposedly purchased a debt of mine in the amount of {$2100.00} from XXXX XXXX. He had them email the information and I am seeing a Validation document dated XX/XX/year>. I never received this letter due to them having the wrong address. Today. XX/XX/year>, they called my husband. We haven't been married long. My maiden name is listed on the letter. He was and is in no way connected to this debt. They told him they were going to get attorney 's involved and sue me and also told him the amount of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
XXXX XXXX XXXX, XXXX. Box XXXX XXXX XXXX, California XXXX NMLS ID : XXXX Last summer they said they hand delivered a notice to my door. They did not. I asked them to send me copies of everything I owed. They did not. They put a lien on my house. I hired an attorney XX/XX/year>. They summons me to court for garnishment. They did not show. My attorney has attempted to contact them dozens, and Dozens of times. I email them every day, with my attorneys information for them to reach out so we can settle the debt. They have ignored, every single attempt of contact and will not call back. This has gone on for XXXX months. I am wanting to settle this debt but they will NOT return any calls, emails, or letters/documents in the mail.

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 2026-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by Jefferson Capital Systems LLC for an alleged XXXX XXXX account. I disputed this account after requesting validation from the collection agency. The only documentation provided consisted of billing statements. No signed contract, service agreement, or chain of assignment demonstrating that Jefferson Capital Systems LLC legally owns this debt has been provided. Additionally, the documentation contains inconsistent identifying information, including addresses that do not belong to me, raising concerns regarding the accuracy of the account being reported. The balance of {$4300.00} has also not been properly itemized or explained. XXXX accounts typically include separate charges such as service charges and equipment installment agreements, yet no documentation has been provided showing how this balance was calculated. Despite these issues, the account continues to be reported on my credit report. Under the Fair Credit Reporting Act, information reported must be accurate and verifiable. Because this account can not be properly verified and contains inaccurate identifying information, I am requesting that this account be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Describe what happened, and well send your comments to the companies involved.

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 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Recuvery LLC
State: MD

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 XXXX parties, and I did not participate in any of it. they didn't follow the proper XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
I had money stolen from me because my account was hacked and it was sent a person I dont know named XXXX and I got ahold of XXXX and his account was also hacked and he received money 3 or 4 accounts and all his money was sent to a person with a XXXX sounding name that he didnt know, I told chime about it and they denied me, they told me to get a police report so I did and they still denied me, I stayed in contact with XXXX and he also had to get a police report because they denied him even after he turned in the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: FL

Complaint narrative:
I am filing a complaint against PayPal regarding an unresolved dispute that has been ongoing for approximately XXXX years. I was a victim of fraud involving a transaction processed through PayPal. I reported the issue to my bank, and after investigation, my bank issued a refund ( chargeback ) in my favor. This was the only refund I received. However, PayPal claims that I received a double refund and has since held me responsible for a negative balance, which I dispute. I have repeatedly provided PayPal with bank statements and documentation showing that I only received XXXX refund, but they have failed to properly investigate or resolve the issue. Despite my efforts to resolve this directly with PayPal, they have not provided clear evidence of any duplicate refund. The issue has now escalated to a collections agency, which is attempting to collect a debt that I do not owe. This situation has caused significant stress and concern, as I am being pursued for a debt that is inaccurate and unsupported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am filing this complaint against Chase Bank ( JPMorgan Chase ) regarding repeated, unexplained credit limit reductions on my Chase Sapphire Preferred credit card ( ending in XXXX ) that have caused my account to go over the limit after every on-time payment. Timeline of reductions : Original credit limit : {$7500.00} XX/XX/year> : Reduced to {$6400.00} ( I received a letter for this one ) Subsequent reduction to {$6300.00} ( no notice received ) Chase later claimed a letter was sent XX/XX/year>, which I never received. As of the XX/XX/year> statement, my balance is {$6300.00}, which is now over the {$6300.00} limit by ~ {$74.00} solely because of Chase 's latest reduction. I have made all payments on time and frequently paid hundreds or thousands over the minimum to aggressively pay down the debt. Despite this responsible behavior, Chase has lowered my limit every single time I make a payment for the last 3 months. This pattern immediately puts me over the limit and maxes out my available credit a problem Chase itself created. On XX/XX/year> I spoke with supervisor Candance ( XXXX ). She : Stated there is " nothing she can do '' and can not override periodic reviews. Confirmed she would send the alleged XX/XX/XXXX letter ( which I never received ). Noted my app issue : no full statements or downloadable PDFs appear only summaries for all months, and all statement PDFs are blank. She walked me through submitting a tech support inquiry with screenshots, which I completed immediately. I was then transferred to XXXX in the lending department. She advised that any reconsideration for a credit limit increase would require a hard inquiry on my credit report ( further damaging my score ) and warned that Chase may continue lowering my limit after every payment every month. This is unfair and predatory. I am being punished for making responsible, on-time payments and paying more than owed, while Chase creates the over-limit situation and then reports it negatively. The lack of proper notice for the {$6400.00} {$6300.00} reduction, combined with the ongoing statement viewing problems in the app, has made it impossible for me to even monitor or respond to their actions. Requested resolution : Immediately restore my credit limit to at least {$7500.00} ( or minimum the previous {$6400.00} ) Remove any over-limit status or flags caused by Chases reductions Provide a full written explanation and copies of all notices/letters for every limit reduction Fix the statement/PDF display issue in my online account so I can access complete statements Note my account to prevent future arbitrary reductions after on-time/over-payments Waive any negative reporting or fees related to the over-limit situation Chase created I have screenshots, call notes XXXX the XX/XX/XXXX statement, and tech support confirmation available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I made a purchase of {$3400.00} at XXXX XXXX XXXX XXXX with the XXXX credit card, operated by Comenity Capital Bank. I subsequently initiated a merchant return/dispute. On XX/XX/XXXX, XXXX to my XX/XX/XXXX payment due dateI formally notified Comenity Capital Bank via their secure message center on the credit card website that I was disputing the charge and withholding payment pending the merchant refund ( XXXX # XXXX ). Under 12 CFR 1026.12 ( c ) ( 1 ) and 12 CFR 1026.13 ( d ) ( 1 ), a consumer is legally entitled to withhold payment on a disputed amount, and the creditor is strictly prohibited from requiring payment or assessing related finance and late charges on that withheld balance. Comenity Capital Bank flagrantly ignored this statutory protection. In written correspondence on XX/XX/XXXX and again on XX/XX/XXXX, XXXX representatives explicitly confirmed the bank 's non-compliant policy, stating : " a minimum payment to your account is still required while we wait for your return credit to be applied. '' Acting on this illegal policy, Comenity assessed a {$30.00} late fee on XX/XX/XXXX and {$85.00} in interest on the XX/XX/XXXX statement. The underlying principal was completely XXXX out via a {$3100.00} merchant credit on XX/XX/XXXX and my manual payment of the {$340.00} remainder on XX/XX/XXXX. Despite the principal being paid, Comenity continued to compound these derivative fees, assessing an additional {$37.00} late fee and a {$15.00} fee debit in XXXX. On XX/XX/year>, I sent a final demand to Comenity 's management, invoking my rights under 15 U.S.C. 1666i and 12 CFR 1026.12 ( c ), demanding the removal of these fees. They have failed to cure the violation. The current balance of {$150.00} consists entirely of unlawfully assessed interest and late fees. I demand that Comenity Capital Bank immediately XXXX out this balance to cure their violation of federal law, and ensure no negative remarks are placed on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: OH

Complaint narrative:
XXXX i enacted the volentary repossesion XXXX ( roughly ) vehilce was picked up from location XXXX XXXX, vehicle was sold at auction, approcimently 10 days later funds were applied to the account. Leaving about {$9000.00} remaining on the loan. Advised extended warrenty company and confirmed there is a refund thay would be issued to the dealership lot. XXXX, westlake financial agreed to a debt settlement of just over {$4500.00} to resolve the debt. I paid the debt and came to closire on account. Debt had been paid. ( Recorded phone call ) XXXX westlake financial confirmed debt is settled and any overpay woild be refunded back to me. I had autopayment through my bank setup. ( recorded phone call ) XXXX westlake financial had requested, recieved, and cashed my warrenty refund. Refused to apply it to my account as overpayment regardless if the debt had been settled. Spoke with weatlake several times since and regardless of federal and local laws refuses to refund the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
My mortgage servicer, Mr. Cooper ( XXXX # XXXX ), has severely mismanaged my escrow account and is refusing to investigate the error. In XX/XX/year>, they disbursed {$2500.00} for my property taxes. However, my actual billed property tax from the XXXX XXXX XXXX XXXX was only {$1300.00}. Mr. Cooper overcharged my escrow account by {$1200.00}, creating a false shortage and artificially inflating my monthly payment by over {$300.00}. Furthermore, this error caused them to issue an inaccurate Form XXXX for my 2025 taxes. When I called to request an escrow audit and a Corrected XXXX, their representatives refused to open a research ticket and hung up on me. I am requesting an immediate audit of this disbursement, a refund of the {$1200.00} to my escrow balance, an off-cycle escrow analysis to correct my monthly payment, and a Corrected 2025 Form XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Issue : Unauthorized transaction account takeover, improper denial I am filing a complaint regarding an unauthorized transaction that was improperly denied by my financial institution, Chime. A {$400.00} charge at XXXX was made without my authorization after my email and financial accounts were compromised. I provided the bank with substantial evidence, including : - Proof I was in a different location than where the transaction occurred - Screenshots showing the account compromise - A police report documenting the incident During the same timeframe, there was another fraudulent transaction for {$18.00} that Chime investigated and refunded, confirming that my account had been compromised. However, they denied the {$400.00} transaction without providing sufficient explanation. I requested details on how the transaction was allegedly authorized ( device, IP, PIN, etc. ), but have not received adequate justification. This appears to be a failure to properly investigate an unauthorized electronic fund transfer as required under the Electronic Fund Transfer Act ( Regulation XXXX ). I am requesting : - A full reinvestigation of the {$400.00} transaction - Documentation of how the transaction was authenticated - Reimbursement for the unauthorized charge This inconsistent handling of clearly related fraudulent transactions suggests an inadequate investigation and failure to comply with federal consumer protection laws. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I received a loan from my XXXX account and did a mobile deposit on XX/XX/XXXX. XXXX doing said mobile deposit was informed that check could take XXXX days to be fully available. When informed that check had fully processed by my XXXX administration on XX/XX/XXXX but funds were not available I stopped in branch to speak with them where I was told that there was a hold placed on my check until XX/XX/XXXX due to the verification process that needed to take place. That Monday I stopped into bank XXXX XXXX to verify the check myself and bank XXXX XXXX stated the funds were already transferred to America first on XX/XX/XXXX. I called america first and was told to have them email XXXX to verify the check and they would not do so. I then called again on XX/XX/XXXX after having my XXXX account verification finally send an email to verify the payment and America first is still refusing to release my money. This is causing a hardship. They have been in possession of the funds for more than XXXX days and plan to hold it for an additional XXXX days for no reason whatsoever funds have been transferred and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: NJ

Complaint narrative:
My Chase checking account was closed after I deposited a check issued in my name. After the account was closed, Chase sent me a partial refund check in the amount of {$210.00}. However, the remaining balance of approximately {$1000.00} has not been released to me. There is no fraud involved. The funds are legitimate and were deposited in good faith. I have fully cooperated with Chase throughout this process. The issuing party of the original check is unable to provide further assistance or additional documentation. Chase has not provided a clear timeline or resolution for releasing my remaining funds. am not disputing the deposit itself, only requesting the release of my remaining funds from the closed account.

Company response to consumer: Closed with explanation