vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
After a prolonged disagreement over my escrow account it is actually XXXX a year not XXXX a year. XXXX XXXX sold my mortgage to freedom mortgage. The new account started with freedom demanding payment through email. At this point I had recieved no paperwork from freedom or XXXX XXXX other then a single page that's wells would nolonger service my mortgage and I would be contacted by freedom mortgage. After multiple payment demands from freedom for a XX/XX/year> payment that was made to XXXX XXXX by check per a paper statement from wells fargo the check cleared my account on XX/XX/year>. I looked up and called freedom mortgage on or about XXXX requesting paper documents as proof that they now held my mortgage, stated that per my loan agreement that they purchased I required monthly payment statements with coupons to pay my mortgage, that I did not agree to paperless statements or electronic payments. I had previously replied to many emails stating the same. Today XXXX I still have yet to receive a paper payment so I called. I was told " we will not send you a paper statement you can look up the address and just send a check ''. That is not in agreement with the contract of my mortgage that they purchased. I again stated I required a paper statement as proof to where my funds were being applied per my mortgage contract. They stated " sorry we cant help you then ".

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Klarna AB
State: NJ

Complaint narrative:
I have charges on my Klarna Credit card i never made. Both of them were back to back on the same day XX/XX/year>. First charge was from a company called XXXX of a total of XXXX and the second charge is from a company called XXXX XXXX XXXX the total of that order was XXXX. as soon as i got those charges I froze my Klarna card and requested for a new card to be delivered to my address, and i submitted a fraud claim against the charges which they ended up declining. Tried multiple atempts to reach out but its always AI generated. I also reached out to both companies to stop the transction but they never responded to my email. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am filing this emergency complaint against Ally Financial Inc. for explicit violations of the Fair Debt Collection Practices Act ( FDCPA ) and deceptive trade practices. Ally Financial claims to service or hold a vehicle installment contract in my name under account number Account NO. XXXX. Because this debt was transferred without my knowledge, I sent Ally Financial a formal Debt Validation Letter via Certified Mail to verify the chain of title and the original creditor information. Ally Financial received this lawful request on Date ALLY Received Docs. On XX/XX/year> Ally Financial has completely ignored my validation request. Instead of pausing collection activities as required by law, they have engaged in willful non-compliance by continuing active collection efforts, making harassing telephone calls, and reporting unverified information to the credit bureaus. This is a direct violation of 15 U.S.C. 1692g ( b ), which strictly prohibits a company from collecting a debt after receiving a validation notice until they mail verification to the consumer. It also violates 15 U.S.C. 1692d for ongoing harassment. Because Ally Financial has chosen to conceal the original creditor information and chain of title, I have formally served their Chief Compliance Officer and Chief Legal Officer with a Notice of Contract Rescission based on deceptive business practices.

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 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Dave Operating, LLC
State: MS

Complaint narrative:
I was promised a provisional credit by the disputes department per chat, I took the liberty of copying the lies told to me. First dave bank has lied and mishandled claims, they didn't properly investigate the unauthorized dispute claim. Dispute was reopened XX/XX/XXXX XXXX, I was told on XX/XX/XXXX th I would get provisional credit today now I'm being told today I won't. I was told XX/XX/XXXX it was documented I would receive credit XX/XX/XXXX this needs to be corrected and delays need to be fixed as well as the bias premature improperly investigation of claims, closing claims without just cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint regarding the closure of my Chase XXXX credit card account. My account was closed after I was informed that the bank was unable to process a payment. However, the funds were available in my account, and the payment should have been honored. I am an active-duty member of the United States XXXX and am currently stationed in XXXX. When military personnel are XXXX, our paychecks are automatically deposited into our bank accounts. In some cases, delays may occur due to government processing timelines. The returned payment was not the result of any action on my part, and I do not believe it is fair for my account to have been closed under these circumstances. I was also told that too many accounts had been opened recently ; however, I have not opened any new credit card accounts. As a military service member XXXX overseas, I believe this matter should have been handled with greater communication and consideration, especially since I do not always have reliable access to a phone or computer while at sea. These limitations can make it difficult to respond immediately to account issues, even when I am acting responsibly and in good faith. I respectfully request that my account be reopened and that my credit line remain unchanged. I have been a Chase customer for the past three years and have maintained this account in good standing, with no missed payments and no late payment history. Given my positive payment record, I believe this situation has been handled unfairly, and I ask that my account be reviewed and reinstated as soon as possible. This card is my primary credit card and is used for XXXX purchases, including food and essential supplies while I am out to sea. Closing this account creates a significant hardship for me and directly affects my ability to obtain necessary items during XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: OR

Complaint narrative:
Made multiple orders from XXXX XXXX XXXX XXXX XXXX starting XXXX XXXX XX/XX/2026. Merchandise did not start to arrive until XX/XX/2026 despite multiple inquiries with the company. Once merchandise started to arrive, it was damaged, defective, incorrect color or incomplete. Merchant did not follow up with resolution despite phone calls and emails. On XX/XX/2026, I have informed Chase of problem with received goods and requested to dispute charges on my business account. Chase refused to work with disputing charges generated in XXXX of XXXX, siting that they would only honor charges that were posted in the first 30 days of dispute, despite the fact that I did not have the merchandise at that point. The majority of my disputed amount was generated in 30 days prior to filing a dispute or in XXXX of XXXX. Chase refuses to reopen claim or assist me with crediting those charges back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is a Reg E error under 12 CFR 1005.11.1. I authorized a {$11000.00} debit to XXXX XXXX XXXX on XX/XX/XXXX for a diamond ring purchase. What happened : Defect reported XXXXdiamond fell out. XXXX refused refund and returned ring " repaired ''. Ring was rarely used. Second diamond fell out XX/XX/XXXX, proving repair failed. Ring was returned to XXXX via XXXX on XX/XX/XXXX. XXXX has retained my property since XX/XX/XXXX. XXXX offered a second repair and refused to refund my {$11000.00}. I revoked acceptance under UCC-2-608 and declined second repair attempt. This is " services not rendered '' under Reg E because I paid {$11000.00} and have neither a functional ring nor my money since XX/XX/XXXX. Actions I took I filed a dispute with Bank of America case # XXXX under Reg E. On XX/XX/XXXX Boa closed dispute. Denial letter cited " 60-day timeline ''. No provisional credit issued within 10 business days per 12 CFR 1005.11 ( c ). No written investigation results provided per 12 CFR 1005.11 ( d ). No documentation reviewed. Denial based solely on " 60-day timeline '' for services not rendered dispute.

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 2026-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding the conduct of a Rocket Mortgage and XXXX home lending loan officer and supervisor in connection with my mortgage closing on XX/XX/XXXX. Prior to closing, I was repeatedly assured in writing by the loan officer that my first mortgage payment would be due XX/XX/XXXX. When I reviewed the Closing Disclosure, I noticed the document stated the first payment was due XX/XX/XXXX. I immediately raised this concern in writing before signing. In response, the loan officer instructed me not to worry about the discrepancy, told me to sign the documents anyway, and stated that revised closing documents reflecting the XX/XX/XXXX payment date would be sent. The supervisor was included in the text message thread and did not correct or clarify the situation prior to funding. No revised documents were ever provided. The loan funded with the XX/XX/XXXX payment date. I relied on these written representations when deciding to proceed with signing the loan documents. After discovering that no correction would be made, I escalated the matter internally with Rocket Mortgage and requested a formal compliance review. Rocket Mortgage declined to resolve the matter and referred the issue back to the same broker involved in the conduct. I believe this conduct constitutes misleading and deceptive mortgage lending practices, including instructing a borrower to disregard disclosed loan terms prior to funding. I am requesting a formal investigation into the conduct of the loan officer, supervising personnel, and Rocket Mortgages handling of this complaint. I have retained : * Text messages documenting the representations made * Messages instructing me to sign despite the discrepancy * The Closing Disclosure reflecting the XX/XX/XXXX payment date * Records of my internal complaint and Rocket Mortgages and XXXX response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX issued XXXX separate Bill Pay paper checks on my behalf to Bank of America that were physically cashed and deposited by Bank of America but never credited to the destination retail checking account balance. Bank of America is currently holding a total of {$1800.00} of these funds across XXXX transactions in an unindexed corporate suspense ledger. The underlying destination account number provided to XXXX has been verified as completely accurate. The specific audited transaction breakdowns are as follows : XXXX. {$1000.00} Check : Sent via XXXX on XX/XX/XXXX ( XXXX XXXX XXXX : XXXX ). Bank of America physically deposited and electronic-stamped this check on XX/XX/XXXX, under Check Number XXXX with Internal Processing Sequence Number XXXX. The check carries the formal backend endorsement stamp : XXXX XXXX ACCT LACK END GTD BANK OF AMERICA XXXX. XXXX. {$500.00} Check : Sent via XXXX on XX/XX/XXXX ( XXXX XXXX ID : XXXX ). Bank of America physically deposited this item on XX/XX/XXXX, under Check Number XXXX. XXXX. {$350.00} Check : Sent via XXXX on XX/XX/XXXX ( XXXX XXXX ID : XXXX ). Bank of America physically deposited this item on XX/XX/XXXX, under Check Number XXXX. All three payments were routed to Bank of Americas centralized LXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX. A XXXX Bank of America XXXX was visited on XX/XX/XXXX, and branch management flatly refused to open an internal operations research case to trace their own processing sequence numbers, instructing the consumer to 'go back to XXXX XXXX ' Front-line retail customer service representatives also lack the systemic security clearance to audit central lockbox holding queues. Because Bank of America has legally accepted, cleared, and possessed these consumer funds but refuses to perform a standard back-office audit to locate them, a formal corporate executive escalation investigation is requested to pull the tracking histories for all three listed items and manually clear 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 monetary relief
Consumer complaint received 2026-05-27 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 filing a complaint regarding Citibanks handling of a disputed charge involving a vehicle rental booked through Citi XXXX and fulfilled by XXXX XXXX XXXX. The rental vehicle provided at pickup was electric, which was not clearly disclosed in a meaningful or prominent way during the booking process. The vehicle was not suitable for my intended travel needs, and I was effectively forced to obtain alternate transportation arrangements while still being charged for the rental. I disputed the charge with Citibank because the service provided materially differed from what was reasonably expected and was not practically usable for the intended trip. During the dispute process, I provided documentation and explanation regarding the circumstances. Citibank denied the dispute and stated : We are unable to assist you with your dispute because you used these services with the knowledge they were not what you originally agreed upon. My concern is that Citibank failed to properly evaluate the practical circumstances surrounding the transaction and instead treated the matter as though simply learning of the issue at pickup constituted meaningful acceptance of the modified service. At the time of pickup, I was already traveling and had limited alternatives. The fact that I became aware of the issue at the counter does not change the underlying concern that the vehicle provided was materially different from what was reasonably expected when the reservation was made and was not suitable for the intended travel. I am requesting that Citibank conduct a meaningful reconsideration of this dispute and provide a more complete review of the service usability issue and disclosure concerns involved in this transaction. I have supporting documentation available, including booking information, correspondence, and dispute communications.

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I found out that my XXXX account was frozen early last week however I have been unable to get it unfrozen, get my money, or even get help from XXXX. I never received an email from XXXX notifying me of the freeze and with directions on how to fix this. The help articles and phone line is a cycle referring back to one another without any help. ( Help articles say contact them if you didn't get directions, phone tree says follow directions in email ) I did a chat last week and the agent said my case needed to be escalated to a specialty team who would be in contact within a few business days and to watch my email. I confirmed I would get an email despite not having been notified of the freeze before. The only email I have is about tipping being enabled on my business account. I emailed XXXX and got an automatic email that the email is not monitored and directed me back to the help site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I currently hold a mortgage with Carrington Mortgage, having transferred my loan from my previous lender, XXXX XXXX. Carrington Mortgage has been managing my account since XX/XX/year>. My monthly mortgage payment is {$2300.00}, which is due on the XXXX of each month. There is a grace period until the XXXX, during which I typically ensure that my payment is made. However, due to a recent change in my job, my pay date has been moved to XX/XX/XXXX. In anticipation of this change, I arranged for an automatic draft to withdraw the mortgage payment from my account on XX/XX/year>, to ensure that the funds are available in time for my obligation. Despite having set up this automatic withdrawal and receiving confirmation of the arrangement, I have been receiving daily phone calls from Carrington Mortgage concerning my payment status. These calls have been persistent and are causing me considerable distress, especially since I have already communicated with them about the arrangement I set up. During my conversation with a representative at Carrington Mortgage, I inquired about the reason for these frequent calls. The representative explained that they were triggered by my loan being past the due date of XX/XX/XXXX. I would like to clarify that, as of now, my loan is not more than 30 days past due, and the scheduled withdrawal for my payment is not until XX/XX/year>. Therefore, I find this situation to be a form of harassment. The relentless phone calls are affecting my ability to perform my job effectively and maintain my peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank closed my checking and/or savings account in or around XX/XX/XXXX without providing me with a clear written explanation. At the time of closure, the account had a remaining balance of more than {$3000.00}. Since the account was closed, I have repeatedly contacted TD Bank by phone and visited a local TD Bank branch in XXXX XXXX, New Jersey multiple times. Each time, I was told that I needed to wait for a check with the remaining balance. I was also told that the branch sent an internal email or request and that I should continue waiting. As of XX/XX/XXXX, more than eight months later, I still have not received the check or the funds. I also have not received a clear written explanation of where the funds are, whether a check was issued, whether the check was mailed, or whether any hold or restriction exists. If TD Bank issued a check, I confirm that I never received it. I am concerned that the check may have been lost, misdirected, or affected by a bank/system/mailing error. I have asked TD Bank to cancel or place a stop payment on any check that may have been issued but not received, so that no one else can negotiate or use it. My relationship with TD Bank was limited to checking and/or savings accounts. I did not have a TD Bank credit card, loan, mortgage, line of credit, or other credit product that would create a debt or set-off issue. I need access to these funds immediately. TD Bank has had more than eight months to return the remaining balance, and I believe this delay is unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I am filing a complaint against Bank of America for a direct violation of Regulation E ( 12 CFR 1005.11 ). On dates ranging from XXXX of XXXX to XXXX of XXXX, an unauthorized XXXX transfers and cash-app payments totaling between $ XXXX {$46000.00} occurred due to a hacker. I filed a timely dispute immediately after being aware of the unauthorized Transactions, but the bank refused to investigate/refund, claiming they can not do so because the account is formally closed. This directly violates Regulation E Official Interpretation 11 ( a ) -4, which mandates banks must resolve errors even if an account has been closed. I demand a full investigation and reimbursement. ''

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 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
ComenityBank/XXXX did not remove the collection off of my report after the debt was paid.

Company response to consumer: Closed with explanation