vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am submitting this complaint regarding a wire fraudulent wire transfer processed through my account at Bank of America. On XX/XX/year>, I was deceived into sending a wire transfer in the amount of {$200000.00} to The XXXX XXXX XXXX XXXX as part of a home purchase scam scheme. After discovering the fraud, I immediately contacted the bank on XX/XX/year> and requested a wire recall and fraud investigation. Despite reporting the matter promptly, the bank has failed to adequately investigate and failed to provide me with consistent information regarding the recovery process. I specifically asked the representative on the phone and at the local branch for escalation, but I was repeatedly vaguely told that the bank couldn't do anything except waiting on the receiving bank. The bank also has refused to give me any meaningful information on what was done to investigate.

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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
So on XX/XX/year> I contacted a mobile mechanic on XXXX who scammed me.i contacted the bank in response to this they told me they dont investigate fraud or scams they only can help make sure no one else uses my account. I said so I can scam others on ur banking system nd nothing happens to me they guy confirms. Lucky its just XXXX dollars but none the less chime banking system do not protect the customers of any fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — Store credit 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: Sezzle Inc.
State: NY

Complaint narrative:
I opened an account with the mobile app sezzle they offered {$600.00} in purchasing power which I occupied in a purchase request their employees claim no purchases can be made if all purchasing power is allocated to a single purchase request although during the fact from sources unknown XXXX purchases were made unbeknownst to me employees claim purchases were not made fraudulently although theres no possible way for me to have made them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: NATIONAL DEBT RELIEF LLC
State: TX

Complaint narrative:
XX/XX/year>. XXXX XXXX National debt relief is working with XXXX XXXX to resolve a debt I owe from a personal loan. This company is saying their is protentional jail time if i dont pay. They are are still in negotiations with them. My name, ( me ) received notification of a pre-approved verbal settlement offer from XXXX XXXX regarding a legal debt account with an original balance of {$12000.00} and current balance of {$14000.00}, which initially required payments totaling {$23000.00} over XXXX months but is subject to renegotiation by the debt relief companys negotiation team. After expressing financial hardship due to a divorce, XXXX agreed to deposit {$500.00} by XX/XX/XXXX and increase her bi-weekly payments from {$360.00} to {$560.00} for XXXX months through XXXX to build funds in her dedicated savings account. The representative explained that the elevated payment amount is temporary to prevent legal consequences including potential jail time, and that the negotiation team will work to secure a more reasonable settlement offer once sufficient funds are accumulated. my name XXXX Okay, what is I guess my question is, what is the negative consequence? XXXX ( XXXX ) XXXX So, because it's a legal account, they can they can look to to to jail you with some jail time, or they can my name,XXXX Jail time? XXXX ( XXXX ) XXXX Uh-huh. So, it depends on what the creditor, um, the creditor is come off with, and XXXX XXXX is actually XXXX of our aggressive creditors, so They sometimes have some Some harsh penalties. I have the entire phone call recorded. I have all correspondence in writing. I know my rights and I can not be thrown in jail over a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc
State: CA

Complaint narrative:
I am filing this complaint against Possible Finance due to failure to timely process my ACH revocation, delayed responsiveness, and conduct that is placing me at risk of further financial harm. I provided formal advance notice revoking ACH authorization for this account several days before my payment due date. I made my instructions clear that I no longer authorized electronic withdrawals from my bank account. Instead of promptly confirming that revocation, Possible Finance delayed the matter, requested identity verification, which I complied with, and still failed to provide timely written confirmation that my ACH authorization had actually been revoked. Meanwhile, my payment due date is now imminent, and I continue receiving payment reminder communications while this issue remains unresolved. This is unacceptable. Possible Finances failure to timely process or confirm my ACH revocation creates legitimate concern that they may still attempt to debit my account despite my clear revocation notice. I am already experiencing financial hardship. If Possible Finance proceeds with an unauthorized or improperly processed debit after receiving my revocation notice, they will directly worsen my financial situation, potentially causing additional overdraft exposure, negative balances, bank fees, and further financial harm that could have been avoided had they acted responsibly. As a consumer, I have protections under THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX and REGULATION XXXX, including the right to revoke authorization for preauthorized electronic fund transfers. I should not have to chase a lender for confirmation of a revocation notice that was already clearly provided. Possible Finances delay, lack of urgency, and continued reminder communications while failing to resolve the actual issue is exactly why this complaint is being filed. I am requesting immediate regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My federal student loans were previously serviced by XXXX before being transferred to Aidvantage. I am requesting a full review of my account history, including repayment plan counseling, forbearance periods, capitalization events, and qualifying payment counts. Based on the documented lawsuits and allegations involving XXXX servicing practices, I am concerned that I may have been improperly steered into forbearance or otherwise provided inaccurate repayment guidance that caused financial harm and delayed forgiveness progress. I am requesting : * A complete account and payment history * Review for IDR account adjustment eligibility * Review of all forbearance periods * Verification of qualifying payment counts toward forgiveness programs * Written explanation of any capitalization events or denied repayment options Please provide all records related to my account servicing history and any available remedies or correction processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am filing this complaint against my mortgage lender due to multiple regulatory violations during a refinance transactionspecifically TRID Zero-Tolerance violations, FCRA violations, and retaliatory delay tactics. 1. TRID Zero-Tolerance Violation & Improper Disclosure : On XX/XX/year>, my interest rate was locked at 6.625 % with {$0.00} in discount points. On XX/XX/year>, the lender issued a revised Loan Estimate adding {$1700.00} in discount points, without formal notification or a legally valid reason. The Changed Circumstance letterwhich was only provided to me ( a few days before the closing date ) after multiple requests spanning over a monthfailed to document a valid trigger event, vaguely citing a " Pricing change. '' The lender violated TRID timing requirements by failing to deliver this disclosure to me within 3 business days. Despite my documented email on XX/XX/XXXX demanding clarification, the lender ignored my concerns for an entire month and could not produce any email log or proof of delivery when formally challenged again in a XX/XX/XXXX email. 2. FCRA Violation : When I disputed the {$1700.00} fee, my loan officer claimed my credit score had dropped. However, the lender conducted an un-notified hard credit pull just 2-3 weeks after my initial application and failed to provide the legally required FCRA Risk-Based Pricing Notice to inform me of the score drop or justify the less favorable terms. 3. Retaliatory Delay Tactics : On XX/XX/year>, I formally requested a Tolerance Cure ( {$1700.00} Lender Credit ) to resolve the TRID violation. In direct retaliation, the lender immediately canceled my scheduled XX/XX/year> signing appointment without notice, reverted my fully underwriter-approved " Clear to Close '' file back into " Processing, '' and demanded arbitrary new documents. This was a transparent bad-faith tactic designed to stall my file past my XX/XX/year> rate lock expiration. Actions Taken : Due to their refusal to cure the TRID violation and their retaliatory tactics, I formally canceled the transaction on XX/XX/year>. Because this cancellation was necessitated entirely by the lender 's non-compliant practices, I expect zero cancellation fees, appraisal fees, or other charges to be assessed to my account, and I request a formal regulatory review of their TRID and FCRA compliance 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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My debit card was lost or stolen and unauthorized transactions occurred on my Capital One checking account didnt get notified these transactions were happening or anything I was out of town from XX/XX/year> and returned at approximately XXXX XXXX on XX/XX/XXXX. The unauthorized activity occurred during and after this period while I did not have access to my card. I reported the issue to Capital One and filed a fraud dispute for the unauthorized charges. Capital One investigated the claim but denied it, stating that the transactions were authorized using a secure CHIP and PIN and that account activity and logins supported the charges. I do not agree with this determination. I did not authorize these transactions, did not share my PIN with anyone, and did not conduct the transactions in question. I also requested detailed information regarding how the PIN was verified, transaction locations, and supporting evidence, but was not provided with sufficient detail to explain how the authorization was confirmed. I am requesting a full review of the disputed transactions, including all available transaction-level evidence, and reconsideration of the denial decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: TX

Complaint narrative:
An account was created with a bank, I was added as a joint partner, once we separated the account holder overdrafted or did something with the account that I have no knowledge of and they have continuously reached out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXXSubject : Formal Complaint against JP Morgan Chase Bank - Missing CD Redemption Funds ( XXXX ) XXXXDear Consumer Financial Protection Bureau, XXXXI am writing to file a formal complaint against JPMorgan Chase Bank regarding the disappearance of XXXX from my matured Certificate of Deposit (CD) and the bankXXXX's failure to locate or credit the funds. XXXXBelow is a chronological timeline of events : XXXX XXXX XXXX XXXX am ) I attended a scheduled appointment at the Chase branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA , I met with the representative XXXX XXXX to redeem my matured CD and transfer the funds into my savings account. XXXX XXXX provided a " Service Confirmation Letter " and assured me the transaction was complete . \XXXX XXXX XXXX ( Afternoon ) Upon checking my online banking , I discovered the CD balance was XXXX XXXX but the funds were not deposited into my savings account, checking account or another account. XXXX XXXX XXXX ( XXXX Branch Visit ) I returned to the branch . Since XXXX XXXX was busy , another male representative assisted me. He confirmed that the money was completely missing from all accounts and no physical check has been issued. I waited for a hour without any resolution. \XXXX XXXX XXXX XXXX XXXX PM) I returned to the branch for the third time. Employees filed internal Ticket Number XXXX XXXX They noted internal system conflicts : one screen indicated a check was issued for XXXX XXXX while another screen showed a transfer . Neither action actually occurred . They also provided me with print outs of all my current account balances and transactions showing no deposit was made from CD redemption nor was a check issued to myself . XXXX XXXX XXXX ( Morning ) XXXX XXXX XXXX XXXX XXXX XXXX , called me to state the issue was being escalated, but she offered no answers or timeline . XXXX XXXX XXXX ( Escalation Call ) I contacted the Chase XXXX and XXXX Department and spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He created a Complaint Number XXXXXXXX XXXXDuring my call with XXXX XXXX he stated a resolution could take up to XXXX business days. He explicitly denied my request for a written deadline commitment, provisional credit while they investigate , or any compensation for lost interest and severe distress. XXXXJP Morgan Chase Bank has effectively lost XXXX dollars of my money , stripped me of compounding interest , and left me with XXXX financial recourse or provision access to my funds. I request the CFPB\'s immediate intervention to compel Chase to locate my funds , issue immediate provisional credit , and provide a full accounting of this error. XXXXSincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I am submitting this complaint regarding a fraudulent rental debt that resulted from identity theft. The apartment account and related collection activity were opened and/or used without authorization using my personal information. I did not apply for, authorize, or benefit from this rental account. At the time the account was opened, I was incarcerated and could not have entered into a lease agreement or occupied the property. An FTC Identity Theft Report has already been completed regarding these fraudulent accounts. Despite this, the debt is being reported and/or collected as if it belongs to me, which is causing harm to my credit and financial standing. I am requesting that this fraudulent debt be investigated, removed from my credit reporting, and that all collection activity related to this identity theft stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint regarding Discover Banks failure to conduct a reasonable investigation under the Fair Credit Billing Act for a billing dispute. On XX/XX/year>, I was charged {$240.00} by an online merchant ( XXXX XXXX ). The item was deceptively marketed as an authentic XXXX product, but I received a " Made in XXXX '' item that was entirely not as described. Furthermore, the material in this misrepresented product caused a severe medical reaction ( XXXX XXXX ), requiring emergency medical treatment and a {$220.00} out-of-pocket medical bill. I initiated a chargeback with Discover Bank for " Defective Merchandise. '' However, I was actively prevented from submitting my medical evidence through Discover 's online portal due to a " known technical issue. '' Multiple Discover phone representatives admitted on recorded lines that my account was experiencing a systemic error preventing me from uploading documents. Despite being fully aware that I was locked out of the evidence submission portal due to their own technical failure, Discover allowed the merchant to upload their defense and prematurely closed the dispute in the merchant 's favor on XX/XX/year>. Following this, on XX/XX/year>, Discover blindly maintained their position and issued a final rejection. Discover conducted a completely one-sided, non-compliant investigation. Not only did they actively prevent me from submitting my own time-stamped medical receipts, but Discover also completely ignored the self-incriminating evidence that the merchant inadvertently uploaded. The merchant 's own submitted file contained : XXXX. The merchant 's written instruction to me to throw the hazardous item away ( legally waiving their own return requirement ). XXXX. The merchant 's internal chat logs showing management explicitly ordering staff to ignore my communications regarding a medical injury. Discover 's dispute resolution team failed to conduct a meaningful investigation. Instead of reading the merchant 's own uploaded chat logswhich proved the product was hazardous and a return was waivedthey rubber-stamped an automated denial based solely on the merchant 's standard XXXX-day return policy. This represents a complete failure by Discover to comply with the XXXX. I am attaching my full, complete evidence file here for executive review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Tesla, Inc.
State: OR

Complaint narrative:
In XX/XX/XXXX, while purchasing a new XXXX XXXX XXXX XXXX XXXX, a XXXX sales advisor instructed my husband via text to apply our leased XXXX XXXX XXXX XXXX trade-in value as a " down payment '', leading us to believe the leased vehicle was being accepted as part of the transaction. On XX/XX/XXXX, XXXX staff directed us where to leave the XXXX XXXX XXXX, accepted the key card, and we departed in the new vehicle. Nearly a year later, on XX/XX/XXXX, we discovered the XXXX lease was still active and that automatic payments of $ XXXX had continued the entire time, despite Tesla retaining physical possession of the vehicle. Tesla now claims we were informed by phone that the leased vehicle was ineligible for trade-in, which we dispute and have no record of. Tesla confirmed the vehicle sat on their property for nearly a year pending XXXX pickup, yet never contacted us. Critically, when we spoke directly with XXXX, they confirmed Tesla never contacted them either, despite repeatedly directing us to resolve this through XXXX. We are seeking reimbursement for all lease payments made while Tesla retained possession of the vehicle, and a resolution that reflects Tesla 's responsibility for the process and communication failures that caused this ongoing financial harm. The lease is still active, and XXXX has advised us to pick up the XXXX vehicle from XXXX immediately. Tesla stopped communicating with us as of last Wednesday, XX/XX/XXXX despite several requests for follow up. We are seeking reimbursement for all lease payments made while Tesla retained possession of the vehicle, and a resolution that reflects Tesla 's responsibility for the process and communication failures that caused this ongoing financial harm.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
XX/XX/year> I made XXXX payments using my chime app. I was suppose to be receiving a puppy. Then I was told it would be delivered. XX/XX/year> the delivery company reaches out asking for XXXX dollars to have the puppy shipped to me. I said I was not paying this. I then contacted chime asking if they could get my money back since it was sent thru there app and they said no. Attached is a video also of the lady saying that she is real and stuff

Company response to consumer: Closed with explanation