vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
XXXX XXXX left a voicemail that my account was delinquent since XXXX and would be sent to collections. 
I returns his call. I asked him questions and his response was repeatedly, at the end of the day this is owed. I asked him to link my accounts and he said it would be a few minutes then he hung up on me. I called him XXXX times and got his voicemail. I have not received a return call. 
Since I believe my account is delinquent and being sent to collections, I called the XXXX customer service number and they XXXX. Answered each of my questions ; XXXX. XXXX XXXX has been paid ; and XXXX. XXXX minutes later, the account in question still hasnt been linked to my account so I can see it online. 

I will handle my business but I dont think it professional or ethical to make threats of sending accounts to collections and cite inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Rocket Mortgage Recently Acquired XXXX XXXX. I had Recently adjusted my auto draft to a new bank - and I believe that there was either an error with XXXX XXXX, Rocket Mortgage, or The Bank of which I input the information. 

Somehow, in the process and moving parts- a payment got missed. Please note I hold multiple mortgages with XXXX XXXX, and have never had a late payment, and generally pay early before it is due. My credit score his historically XXXX. I have impeccable credit, and have never missed a payment in my adult life. 

Upon discovery of this matter, I called XXXX XXXXRocket Mortgage immediately and made the past due payment, and made an advance payment in good faith- under the promise on a recorded call that this issue would not be reported to the credit bureau . 

My credit report came in today and shows a late payment, dropping my score by XXXX points. I attempted to call XXXX XXXXRocket mortgage immediately - three separate times, each time I was placed on hold - then the phone hung up- with no assistance from a representative. 

This matter needs to be removed from all credit reporting agencies, as if it did not occur, as it was not a fault of mine that it happened. Your employee further promised there would not be anything reported. Further, I paid another payment early to show good faith in the matter. 

This is not good faith principled business, nor is it in the legal confines of what is permissible, and a customer whom you will make over a million dollars off of should be respected enough to reach a representative to address the matter internally among the financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My name is XXXX XXXX, and I currently live at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. My complaint is against Chase Bank. More than a month ago, I deposited three checks into my account. Two of them were from my partner, who has a driver 's license issued by the state and has had a landline phone for over a year. The other check was from a friend of my partner, who also has a landline phone. The problem is that after I deposited the checks, they closed my account, cashed the checks, and Chase is now holding the funds. I have gone to the branch several times without a solution. I have called many times for help resolving the problem, and they only say that they have to verify the name and number of the check owners in their system, but nothing shows up. I don't know what kind of system they use for verification, but what could be more valid than a state-issued ID? This is absurd and frustrating. Right now, we are going through difficult times because we have young children to feed and house, and we need that money now, not in months or years, as Chase seems to think. Those three checks total more than {$3000.00}, which we can not afford to lose, especially now that it's winter and there's very little work available. I need a solution immediately. I don't want the bank to replace the checks, I just want them to release the checks so that my partner and his friend can cash them elsewhere without any problems, as they have done before. It's a very frustrating situation because we have people who depend on us to be able to get by, and with the money being held up, we can't do much. I'm just asking for a concrete solution. Thank you. 
My phone number is XXXX XXXX XXXX XXXX ( owner of 2 checks ) XXXX XXXX XXXX ( owner of 1 check ) XXXX I hope you can help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I cant get my funds and they keep pushing the date back PayPal account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
During XX/XX/year>, multiple unauthorized virtual card transactions were posted to my account by a merchant identified as Int * Pavami. These transactions occurred repeatedly throughout the month and were not made, approved, or authorized by me. They were processed without my knowledge or consent. 

The disputed unauthorized transactions by XXXX XXXX XXXXXXXX include the following : XX/XX/year> {$140.00} XX/XX/year> {$1000.00} XX/XX/year> {$1000.00} XX/XX/year> {$57.00} XX/XX/year> {$590.00} XX/XX/year> {$670.00} XX/XX/year> {$600.00} XX/XX/year> {$670.00} XX/XX/year> {$580.00} XX/XX/year> {$520.00} XX/XX/year> {$290.00} This repeated pattern of transactions by the same merchant clearly indicates unauthorized and fraudulent activity. 

I did not share my debit card, virtual card details, PIN, login credentials, or account access with anyone. My account information was secure at all times. After discovering the unauthorized activity, I promptly reviewed my account and reported the fraud to the company. A dispute was filed under Dispute ID XXXX. 

Despite reporting the issue in a timely manner, the company stated that the dispute was not eligible for provisional ( temporary ) credit and indicated that the investigation could take an extended period of time. However, this matter involves unauthorized electronic fund transfers and qualifies for consumer protections under Regulation E. When an investigation can not be completed promptly, Regulation E generally requires provisional credit while the investigation is ongoing. 

I am requesting that the company properly investigate these unauthorized transactions, issue provisional credit in compliance with Regulation E, reverse all fraudulent charges, and take appropriate steps to prevent further unauthorized activity on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GATEWAY FIRST BANK
State: NE

Complaint narrative:
I recently went thru a divorce, XX/XX/XXXX, during the year of XXXX we were in same home.During the time we had water damage and received a check from insurance company for the amount of {$1700.00}, date of loss was XXXX, The check was addressed to both of us, both are names were on the house.The second check he forged was an overage on escrow payoff., it was from Gateway mortgage in the amount of {$990.00} the check was XX/XX/XXXX, he forged my name on that one also.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Financial Institution : Navy Federal Credit Union Navy Federal Case # : XXXX ATM Operator : XXXX ( per receipt ) Location : XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Date of Incident : XX/XX/2026 Amount : {$1000.00} ( XXXX {$100.00} bills ) On XX/XX/2026, I attempted to deposit {$1000.00} in cash ( ten {$100.00} bills ) into an ATM located inside XXXX XXXX The ATM prominently displayed Navy Federal Credit Union branding at the top of the screen, which reasonably led me to believe this was a Navy Federal ATM. 

After inserting my cash, the machine repeatedly cycled as if counting the bills. An error message then appeared stating : There was a problem and your cash has been retained. Your transaction has been canceled. Please contact your financial institution for assistance. 

Cash deposit was unsuccessful. Please take your receipt. 

The printed receipt states : Unable to deposit cash to your Checking Account. Unaccepted bills have been returned. Deposited {$0.00}. 

No cash was returned. 
The deposit door never reopened and all {$1000.00} was retained by the machine. 


ACTIONS TAKEN I immediately called the XXXX number listed on the ATM The ATM operator stated they could only file a technical report They refused to provide a report number I was told to contact my bank I then contacted Navy Federal Credit Union XXXX A representative informed me : An investigation would take XXXX business days The ATM is not owned by Navy Federal They could not assist further There was no system record showing I attempted a transaction Navy Federal opened Case # : XXXX. 

This is deeply concerning because : 1. The ATM clearly displays Navy Federal branding, which is misleading 2. My receipt proves the transaction attempt 3. No notice disclosed this was a third-party ATM 4. I was deprived of {$1000.00} needed for bills due that day 5. No provisional credit was offered 6. I was denied a case number from the ATM operator The receipt states : This ATM is owned and operated by XXXX. 

This ownership was not disclosed before the transaction. The Navy Federal logo heavily influenced my decision to use this machine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I was up to date on my Synchrony XXXX XXXX. My XX/XX/XXXX minimum payment for the Synchrony XXXX XXXX was {$170.00}. I made a payment on XX/XX/XXXX for {$86.00} and another payment on XX/XX/XXXX for {$86.00}. The due date was posted for XX/XX/XXXX. I was charged a late fee, and my account said I was past due. The same issue occurred on my Synchrony Care Credit card with the same late fee ( same payment dates XX/XX/XXXX and XX/XX/XXXX with a XX/XX/XXXX due date ). I contacted the company via phone call on XX/XX/XXXX and they were able to reverse the late fees and they fixed my Care Credit card. They said they fixed it on both cards, but that wasn't true. My account still continued to say I was past due for the Synchrony XXXX XXXX. I called again on XX/XX/XXXX and they said they could not fix the Synchrony XXXX XXXX. They said I had made an early payment and they did not accept early payments ( even though the same thing occurred on my Care Credit card and they accepted the early payment ), therefore my XX/XX/XXXX payment of {$86.00} did not count and it actually went toward XXXX 's billing cycle. They said I still owed {$86.00} and that I will be charged a late fee. I asked them to show me where in the Credit Card XXXX it said early payments were not accepted, and the agent said it was in the statement ( not in the agreement ). I looked over the statement and read the fine print, but found nothing about early payments ( see attached statements ). I then told them I wanted to file a billing dispute and was told by XXXX different people that they could not file a dispute because their system didn't allow it. I reminded them of my rights and that their system limitations did not override my right to file a dispute. They still would not file a dispute. I also asked for a copy of the credit card agreement as evidence that they must accept early payments, and they said a copy of the agreement will be mailed in 30 days. I will be charged a late fee on XX/XX/XXXX on the account because I am not making the same payment twice. I told them I would be filing a dispute with CFPB and contacting a lawyer as well. 

* Note : you will see on XXXX 's statement that there was a late fee reversal on XX/XX/XXXX. This does not pertain to this case, please ignore it. This XX/XX/XXXX late fee was reversed because the payment due date had changed to a later date of XX/XX/XXXX, but the system didn't change the due date in time, so I was charged a late fee. They reversed the fee on XX/XX/XXXX, but again this does not pertain to the current case.

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 2026-01-21 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: MI

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 explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: CA

Complaint narrative:
I went to jail. Don't have my old phone but my XXXX continued direct deposit XXXX month. I called cash app and explained the situation and they said they will send me my money to new cash app account via wire transfer. Long story short for XXXX month I can't talk with a supervisor of cash app and all other employees say they will merge my account with new. I would like yo close account and get money back. XXXX dollars or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NEW CITY FUNDING CORP.
State: PA

Complaint narrative:
To whom it may concern, I had nothing to do with this charge. My identity was stolen, this charge was without my knowledge. I have XXXX kids Im trying to move forward with my life, I filed a police federal report. I believe my sister XXXX XXXX stole my identity. She has before in the past and I believe she would do it any time. This loan on my credit is stopping me from qualifying for certain credit loans. Ive tried to dispute this with my credit lender and they refuse to remove it from my credit. I really need this removed so I can better my credit and move on with my life from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: IL

Complaint narrative:
This situation is utterly outrageous and debilitating. I woke up XXXX day to discover a debt that I know nothing aboutcompletely unverified and not mine in any way. I've been subjected to relentless harassment across multiple communication platforms using various tactics, including threats of legal action that I never imagined dealing with. As a law-abiding citizen, this blatant violation of my consumer rights is deeply insulting and unacceptable. It's severely impacting my mental health, leaving me with sleepless nights for days on end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I am filing a complaint regarding SoFi Banks handling of a fraud dispute involving an XXXX XXXX transaction initiated on XX/XX/year>. 

I was intentionally deceived into sending a total of {$2000.00} via XXXX XXXX to an individual who falsely promised to pay off my XXXX XXXX credit card. Of this amount, {$1900.00} was debited from my SoFi account, with the remaining balance covered by my XXXX XXXX wallet. 

Although a {$4000.00} payment briefly appeared on my XXXX XXXX account, it was reversed on XX/XX/year>, meaning the promised service was never delivered. The individual retained my {$2000.00}, denied receiving it, instructed me to initiate a chargeback, and refused to issue a refund. 

At the time I initially submitted the dispute, I mistakenly selected an unauthorized access option. I later contacted SoFi to clarify that this selection was incorrect and requested that it be corrected. My claim is not based on unauthorized account access. It is based on fraud by misrepresentation and services not rendered, which requires a different review standard.

Despite this clarification, SoFi denied my dispute by relying on unauthorized access indicators such as spending patterns, login activity, and XXXX, rather than evaluating the deception and failure to provide services. 

I requested reconsideration and provided supporting evidence, including the XXXX XXXX payment reversal and communications demonstrating the recipients deceptive conduct. SoFi responded that the decision was final unless new information was provided, declined to explain what would qualify as new information, and ceased responding to follow-up inquiries. 

I am requesting CFPB assistance to ensure this dispute is reviewed under the correct fraud classification and applicable consumer protection standards, and to obtain reimbursement of the {$1900.00} debited from my SoFi account as a result of this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I used Robinhoods platform to trade XXXX XXXX  tied to the outcome of an XXXX game. XXXX of the contracts was XXXX XXXX XXXX XXXX XXXXXXXX. This contract is binary and settles at {$1.00} if the outcome is true and {$0.00} if it is false. Once the total score exceeded XXXX, the contract necessarily settled at {$0.00} with 100 % certainty. 

Robinhood displayed the live score on screen. After the total score exceeded XXXX, it became mathematically impossible for the contract to settle above {$0.00}. Despite this, the platform continued to allow customers to purchase this contract for approximately XXXX minutes after settlement was determinable. 

Selling a financial product after its economic value has settled at {$0.00} is materially deceptive because the displayed tradability implied uncertainty when the platform simultaneously displayed live data confirming the outcome. This resulted in sales of financial instruments with known zero value, without disclosure. 

I raised the issue with Robinhood. They declined remediation and stated : If you decide to place a trade on a contract after the outcome is decided, that is your choice and refused to escalate to compliance review. Their position shifts responsibility to the consumer, despite the platform controlling ( 1 ) price visibility, ( 2 ) tradeability, ( 3 ) contract status, and ( 4 ) market feeds. 

I incurred a loss of {$1900.00} purchasing contracts that had already economically settled at {$0.00}. No material disclosures warned that Robinhood would allow contracts to remain tradeable after settlement. The platform experience implied the market was still open and uncertain. 

This constitutes an unfair and deceptive practice because it involved : non-disclosed sale of a product with known zero expected value misleading platform design and score presentation defective product controls refusal to remediate after being notified I am filing this complaint to request remediation and regulatory review of this conduct.

Company response to consumer: Closed with explanation