vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I checked my XX/XX/year> invoice, as I paid the XXXX mortgage on XX/XX/XXXX and a principal payment on XX/XX/XXXX. Their AI bot said " A principal-only payment helps pay down your loan faster, but it does not replace or advance your regular monthly payment. To make a principal-only payment, your current monthly bill must be paid first. You can review your payment status and history in your Transaction history. If your XXXX principal payment wasnt applied as expected, please check there for details. '' I did. The payment shows up on the statement but they haven't applied to the principal for XXXX, as it would have shown on the statement. It's not reflected in my XXXX statement nor does it show that I made a payment in XXXX for the principal. I want XXXX 's principal to be applied for XXXX 's mortgage, not XXXX. I am trying to pay off this mortgage, so I want to pay additional principal payments, but this is creating uncertainty that it will be applied or I the statement will reflect it. I waited XXXX minutes today and so long yesterday I hung up. I finally spoke with someone and they said it will be applied in XXXX as the mortgage hasn't been paid for XXXX. He said it will be applied so what's the problem, and i can report them to whoever they want. Worst customer service ever!!! I didn't ask to be transferred to Rocket Mortgage but now that I am they need to do a better job of taking care of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am submitting this complaint regarding the way my bank handled a debit card dispute that I filed by phone. On XX/XX/year>, a transaction in the amount of {$1800.00} posted to my account from XXXX XXXX in XXXX, XXXX XXXX. The transaction description on my account reads XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During my phone call with the bank, I disputed XXXX separate transactions from the same merchant. For the {$1800.00} transaction, I clearly requested that the dispute be opened for the full amount of the charge. I did not request or authorize a partial dispute for this transaction. However, the bank processed the dispute for only {$1300.00} instead of the full {$1800.00}. I was only given a provisional credit for the partial amount. I believe the bank confused this transaction with the other transaction I discussed during the same phone call. For the second transaction from this merchant, I specifically asked for only a partial dispute because the merchant had already refunded {$460.00} to me for an item that was out of stock. That partial dispute request applied only to that separate transaction and not to the {$1800.00} charge. Because of this mistake, {$460.00} of the {$1800.00} transaction has not been properly disputed even though I clearly requested that the entire charge be disputed during the call. I am requesting that the bank correct the dispute so that it reflects the full transaction amount of {$1800.00} and that the remaining {$460.00} be added to the dispute for this specific transaction. I also do request that the remaining {$460.00} be given provisionally for the transcation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: TX

Complaint narrative:
UMB Bank XXXX XXXX XXXX XXXX has individual cash account. They allow recurring deposit but not recurring withdrawl.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A Chase registered # ( XXXX ) XXXX called me to inform me that I have been flagged for a possible XXXX XXXX. As an online account has been opened on XX/XX/year> with my information for XXXX XXXX. Using XXXX transactions of $ XXXX on XX/XX/year> and $ XXXX on XX/XX/year>. They urge me to call a XXXX ( XXXX ) XXXX ext # XXXX to give them a code XXXX so they can assist with putting a block to XXXX XXXX, XXXX and stop any transactions made so any accounts under my name don't get charged. Funny thing is I have no Chase account. I believe this is a scammer. So I am not complying. Jokes on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I have paid my credit card on time every single month. In XXXX of XXXX, I accidentally clicked the wrong account to pay my credit card balance, which was not even an active account. For the Apple card from Goldman Sachs, you can only pay through the app on your phone. I immediately tried to pay again from the correct account with funds. The app would not let me make another payment. Right after, I called and tried to make the payment over the phone. They tried to cancel the other payment and accept the payment from the correct account but stated their computer system was not able to accept it since the other payment from the wrong account had not been returned by the bank yet. This is an issue with their payment process. It is not my fault that they can not accept payments when a customer is trying to pay their balance. They also had me try to cancel the payment on my end but the app would not let me. I told them I was concerned about being charged interest even though I was trying to make a payment. They said I should wait until it is returned, then make the payment, and I could call if they charged me interest and would remove it. I paid off the previous month and any new spending for that month when I was finally able to through the app, which was a day or XXXX later. When I saw the interest charge, I contacted them, and they put in a balance adjustment dispute. They also charged me more interest for some reason that day, which was explained as interest on my previous interest ( which I shouldn't have been charged to begin with, since everything was paid off ). Then they came back and charged me the original interest again. They only gave me a {$25.00} reversal credit when the entire amount should have been reversed, as it is a technical issue with payments on their end! I tried to make my payment on time, but they wouldn't accept it, so I should not be charged any interest. You can see the attached statements. I have since changed my auto payment to be before the actual due date, so this does not happen again. Interest Charge XX/XX/XXXX - {$270.00} Balance Adjustment Dispute XX/XX/XXXX + {$270.00} Interest Charge XX/XX/XXXX - {$93.00} Balance Adjustment Dispute XX/XX/XXXX - {$270.00} Balance Interest Reversal XX/XX/XXXX + {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> I went to Chase bank to make a deposit of XXXX checks.Three checks were business checks and the fourth was a check written by me on another account I have with XXXX XXXX bank. The deposit total was {$23000.00}. When I walked away from the teller I looked at the receipt she gave me and noticed that it was was {$5000.00} short. I immediately went back to the teller and told her I was missing funds. She retrieved the checks I had given her and realized her mistake and corrected the amount of the deposit. I left the bank with a receipt for the full amount of {>= $1,000,000}. A few days later I tried to use my debit card and it would not work. I called Chase and was told there was a hold on my account and it should resolve itself in a few days. I waited a few days and tried the card again and again it did not work. This led to multiple phone calls and in person visits to Chase to no avail. Without notice they closed my account and I had to fight for refund of the money in the account. Finally I received a check for partial refund of my money. I was missing a refund for my personal check for {$5000.00}. Another trip to the bank and was told refund of those funds would be paid in a separate check. To date I have not received reimbursement and was told after multiple phone conversations with Chase that the funds were suspended, whatever that means. The money was withdrawn from my XXXX XXXX account on XX/XX/XXXX. I am at my wits end with this and I hope you can supply some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am filing this complaint regarding unauthorized credit card transactions that Bank of America has refused to properly resolve. On XX/XX/year>, my credit card was used without my authorization for XXXX in-store purchases totaling {$6800.00}. The transactions occurred at XXXX XXXX XXXX locations ( XXXX, MA and XXXX, MA ) and at XXXX XXXX in XXXX, MA, all on the same day. The amounts were approximately {$2500.00}, {$3100.00}, and {$1000.00}. I did not make these purchases, I was not present at these locations, and I did not authorize anyone to use my card. My card had been lost prior to these transactions. The pattern of the transactions is consistent with typical lost-card XXXX : multiple high-value electronics purchases at different retail locations within a short period of time on the same day. Bank of America denied my dispute claiming that the transactions were authorized by someone who had access to the account. This conclusion is incorrect. I am the primary cardholder, and the only other person associated with the account is my XXXX who has a separate authorized-user card issued in his own name under my account. At the time these transactions occurred, my XXXX was not even in the country and therefore could not have made these purchases. Despite this, the bank has refused to properly investigate and appears to be avoiding responsibility by simply claiming that the transactions were made by an authorized user without providing any supporting evidence. I reported the fraud to Bank of America, requested the claim be reopened, and sent a written appeal by certified mail with supporting documentation outlining the transaction timeline and the fraud pattern. Nevertheless, the bank closed the claim again and maintained its decision. Bank of America has not provided any evidence demonstrating that I authorized these transactions, such as identity verification, XXXX usage, or proof that I was present at the merchants. I am requesting that Bank of America conduct a proper review of this case, provide the merchant documentation used to determine that the transactions were authorized, and correct my account for these unauthorized charges. Additional statement : Under the Fair Credit Billing Act ( FCBA ), consumers are not liable for unauthorized credit card transactions. I am requesting that Bank of America comply with these consumer protection laws and properly credit my account for the fraudulent charges.

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 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Called bank about online access and why deposit was not done. I was informed at that time account had been closed weeks before. I have been profiled from this bank.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Validation of Debt Request - MIDLAND CRED - XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year>, my identity was stolen by an unknown individual. This person made multiple charges on my bank accounts, credit cards, and debit cards, They also applied for numerous new accounts and loans in my name. This person disabled my cell phone by porting out my number two times. They also changed my email usernames and passwords disabling them and making it almost impossible for me to contact my creditors about this problem. I froze my credit which prevented the loans to be processed. All of my creditors with the exception of the one named in this complaint have removed the unauthorized charges. I filed a police report and a complaint with identitytheft.gov. The bank named in this complaint does not have a branch in my city so I drove XXXX miles to a branch to inform them of the problem. In this case a cash withdrawal was made online with my card which had a XXXX balance. They are denying my claim saying that the funds were used to cover an overdraft on an account in my name. The problem is that the account was not opened by me. I did not recieve any of these funds or benefit from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
Consumer Financial Protection Bureau Re : Complaint # XXXX Consumer : XXXX XXXX I am formally disputing the response submitted by Credit Central regarding my complaint. Credit Central has failed to provide any documentation validating the alleged debt they claim to be reporting. Their response relies entirely on internal statements such as our records indicate, yet they have not provided the following required documentation : A signed loan agreement bearing my signature A complete payment history or account ledger Any court judgment records referenced in their statement Documentation of garnishment orders Proof of their authorization to furnish information to consumer reporting agencies Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), furnishers of information are required to conduct a reasonable investigation and verify disputed information. Simply referencing internal records without providing verification does not satisfy the statutory requirement for investigation. Furthermore, Credit Central acknowledges in their response that the account is being reported inconsistently across XXXX XXXX and XXXX. This admission alone establishes that the reporting is inaccurate. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher may not report information they know or have reasonable cause to believe is inaccurate. If the same account appears differently across the credit bureaus, the furnisher has failed to maintain maximum possible accuracy as required by 15 U.S.C. 1681e ( b ). Credit Central also attempts to shift responsibility to the credit reporting agencies by stating that each bureau applies its own internal reporting rules. This statement is misleading. Data furnishers are responsible for submitting accurate XXXX reporting data. They can not avoid liability for inaccurate reporting by blaming the credit bureaus. Additionally, Credit Central claims a judgment was entered against me but fails to provide any case number, court documentation, or legal proof supporting this claim. Without such verification, the reporting of this alleged account remains unverified and inaccurate. Because Credit Central has failed to properly investigate the dispute or provide documentation validating the debt, I am requesting that the CFPB require Credit Central to : Provide full verification of the alleged account including all supporting documentation. Immediately delete the account from all credit reporting agencies if such documentation can not be produced. Correct any inaccurate reporting currently being furnished. Thank you for your continued review of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am submitting this complaint regarding an account being reported by Transworld Systems Inc. on my XXXX credit report for an alleged balance of {$10000.00}. I recently received an alert that this collection account was added, which caused my credit score to drop significantly. I dispute the accuracy and validity of this account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies and data furnishers are required to report only information that is accurate and verifiable. I have not received proper validation of this alleged debt from Transworld Systems Inc., nor have I been provided documentation proving that I have any legal obligation to pay this debt. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the legal right to request validation of the debt. The debt collector must provide evidence such as the original creditor name, the original signed agreement, a complete payment history, and proof that they have the legal authority to collect this debt. At this time, I have not received the following required documentation : Proof of the original contract or agreement bearing my signature Complete payment history showing how the balance of {$10000.00} was calculated Documentation proving Transworld Systems Inc. has the legal authority to collect this alleged debt Verification that the debt is accurate and belongs to me Reporting a debt without proper validation may constitute a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) which requires maximum possible accuracy, and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ), which prohibits deceptive or unfair collection practices. Because this account has not been properly validated and may be inaccurately reported, I am requesting that the Consumer Financial Protection Bureau require Transworld Systems Inc. and XXXX to : 1. Conduct a full investigation of this account 2. Provide all documentation proving the validity of the debt 3. Remove the collection account from my credit report if it can not be fully verified Until proper validation is provided as required by federal law, this account should not be reported on my credit file. I request that this matter be investigated promptly and that the inaccurate collection account be removed if it can not be properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: MA

Complaint narrative:
XX/XX/year> Meeting @ XXXX XXXX XXXX XXXX, MA XXXX -Lawyer present for closing- Closing was under duress due to actions of buyer verbally abusive. I was forced to sign off on information without proper explanation of the documents or time to read the closing disclosure. Within the closing disclosure-after I found out that the buyer removed/omitted a UCC XXXX leaving the seller with a charge of over XXXX XXXX dollars, yep XXXX. If I was able to read information it would have been caught. The buyer intentionally did not tell or include this bill. The bill refers to items attached to the home. We are unable to redeem or secure the items with a XXXX loan on the closing disclosure. The buyer, loan company or local litigators dont know how to go about getting the this issue under control. We have no Answers, no pathway to Solve and everyone wants their money, but we dont get anything in return. Rocket Mortgage is the buyers company the loan company is XXXX Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am deaf, so I can not speak over the phone well, especially to those with an accent of any kind. I was not able to log into / reset my password from their website for months, so I was making payments through the automated system with the help of my roommate when he was available. XXXX encounter on XX/XX/XXXX I called them back when my roommate was home from work. He told the gentleman ( didn't get his name ) that I have not received a bill or email about monthly statements due. They were also informed that I could not log into my account for months. He said not to worry about it and they will take care of it. I made a {$100.00} payment on the same day. I kept getting continuous calls multiple times a day from XXXX Bank during the months of XXXX and XXXX, listed as private, a phone number from Ohio and Washington, as well as unknown or blocked numbers. ( XXXX ) XXXX, ( XXXX ) XXXX, XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. I made another payment as I was able to find information about getting your online password reset ( not listed on their website ) through a XXXX search. They also do not have a contact number to call on their website. I made another payment of {$150.00} on XX/XX/XXXX.... and they're still calling me multiple times a day.

Company response to consumer: Closed with monetary relief