vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I was suddenly linked to my daughter 's account, who is XXXX, married, and living her own life. Fortunately, we have a good relationship ; however, their financial picture is simply none of my business. Mountain America 's remedy was for her to have to take time away from school and work to have me removed from her account. That's simply NOT acceptable. As I'm sure you're aware, this classifies as a data breach and is against federal law. While I have been a member of this credit union since XXXX I simply can not look the other way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I deposited {$2000.00}. Into my account on Wednesday, XXXX XXXX, I attempted to make a wire transfer into another bank. So that I could purchase bitcoin. On Thursday, I went into the bank and started this wire transfer at XXXX. They set about an hour. Thursday night at XXXX XXXX XXXX I called the XXXX XXXX to ask why it was not completed. I was told it was on hold. I walked into the XXXX XXXX when they opened up on Friday morning at XXXX XXXX. They wanted to know specifically what I was doing with my money. I told them purchasing bitcoin. They will not do the wire transfer, and they have frozen my money, and I can not even put it back onto my home equity line of credit. It's froze so called robbing robbers Suncoast Credit Union XXXX, FL

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a letter stating that new Rez my mortgage company did not receive my XXXX payment new Rez is now charging me late fees and processing fees for a payment that was sent to them via my bank electronically. I have proof that they electronically received it through my bank. It has cleared my bank. Ive tried to contact new Rez several times during during normal business operating hours stated on the form particularly on Saturday from XXXX to XXXX South Carolina time they failed to answer the phone. They dont answer the phone for my bank and this is a problem because my house payment is current is not late has never been late and this is a problem with Newrez XXXX

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 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MS

Complaint narrative:
I had an incident where i was followed by XXXX people and pressured into making a transaction due to me having a XXXX and feared for my life. Filed a police report and havd evidence of hacked device to police, they agreed and opened an investigation. Chime denied 5 times and first was before the police report was given, they are not telling me why, only saying no error found my rights are being violated and clear evidence is there and footage. The dispute is for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I have been locked out of my home by an asset protection company. They refuse to give me access per my mortgage lender. They state that the home was abandoned which is inaccurate. I was never contacted in regard to the status of the home and have been actively working to fix up the home. All utilities in the home are still on and there is visible work that has been completed, Wall repairs, garbage clean-up, general cleaning and clearing out. We have been fixing the home to put it up for rent. I have contacted the emergency line for the asset protection company and continue to be denied access. My payments have been late but the most recent payment was made XX/XX/year>. They claim to have posted a notice, but they posted it on an exterior door subjected to the elements.

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 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RFNA, LP
State: LA

Complaint narrative:
XXXX XXXX executed a wrongful wage garnishment that concluded on my XX/XX/XXXX payment date, over a judgment that was fully satisfied on XXXX XXXX XXXX when it processed through my bank account. In XXXX, I paid the balance in full early via debit card. XXXX XXXX erroneously processed the entire payment twice. The initial full early payment of {$1000.00} processed through my bank on XX/XX/XXXX and the second full payment {$1100.00} processed on XX/XX/XXXX which had an additional claimed receipt fee added to it. Although they sent the initial payment of XXXX back a month later on XX/XX/XXXX, they kept the entire second full payment. They are misrepresenting a temporary bank dispute credit from XXXX XXXX to falsely claim that I still owed them a balance. They have committed billing fraud and illegal asset seizure, keeping both my XX/XX/XXXX payment and having garnished my wages from my XX/XX/XXXX payment date through my XX/XX/XXXX payment date. When contacting the company and the company 's representatives, providing my bank statements that shows this information, I was told that " because I paid through debit, I can not prove that's what the money was for, and that I should have paid through check ''. They still have not only my complete, full, early payment from XX/XX/XXXX, but have additionally garnished wages with a " Petition to make judgment executory and for garnishment '' stating " in the principal amount of XXXX together with interest, costs, and fees '' with " additional court costs, interest and attorney 's fees will be incurred as accrued each month '' signed on XXXX day of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: DE

Complaint narrative:
I had XXXX XXXX XXXX XXXX my phone was stolen and someone took it and went on a shopping spree buying things not even in my size or kids sizes. I reported it and it was denied XXXX XXXX my bank refunded me and XXXX XXXX refunded but chime refused I sent the official complaint form proof the transaction didn't add up to my spending proof account was compromised and proof my bank refunded. Still they denied both my claims with hours of making them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: CA

Complaint narrative:
b"Discover Bank is failing to execute a mandatory Regulation E fraud investigation. XXXX XXXX XXXX XXXX have established a verification file under an internal log number and explicitly requested that Discover's fraud team contact them aXXXX XXXX XXXX XXXX to pull the data. Discover's front-line staff refuses to make the call, violating their duty to investigateXXXX XXXXve had upwards of XXXX taken from my account due to identity theft from a cash app account that became compromised. My father also disputed and went in his favor. For some reason this battle has been going on for 2 years with consistent evidence but never going in my favor. XXXX XXXX refuses to release the funds back to my personal bank while disputing but should be overriding the dispute regardless. I recently went back to japan to gain a police report which they gave me a case number XXXX to provide but discover disputes will not make the call for unknown reasons. XXXX law doesn't allow for victims to obtain a copy of report."

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: WA

Complaint narrative:
Bought vehicle from XXXX ( Bridgecrest ) Originally titled in XXXX. Physical title was sent to their office in Arizona. I moved to XXXX state in XXXX and paid off vehicle XX/XX/XXXX. Bridgecrest says they sent title electronically to XXXX State DMV. XXXX DMV says they can not receive the electronic title because it originated in XXXX. Bridgecrest claims they do not have the physical title to send me. XXXX DMV and XXXX DMV both have records showing that Bridgecrest has the title and needs to send it to me directly. I need the title ASAP to be able to sell vehicle to buyer I've had lined up and waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TN

Complaint narrative:
I've tried for the last 3 years to have loans forgiven from XXXX and XXXX removed from my credit. I've disputed multiple times and it remains.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XXXX XXXX my debit card was hacked and multiple transactions were made a total of XXXX at XXXX at XXXX pm, XXXX at XXXX at XXXX pm, XXXX at XXXX at XXXX pm, XXXX at XXXX at XXXX pm, XXXX at XXXX at XXXX pm, XXXX at XXXX at XXXX pm, XXXX at XXXX at XXXX pm, XXXX at XXXX at XXXX, XXXX at XXXX XXXX XXXX pm, XXXX at XXXX XXXX XXXX pm. All the transactions were made on XX/XX/XXXX and I did not use my card. My card was not stolen and I did not give my card out The following transactions were made but denied due to no money on account due to the above transactions, XXXX at XXXX at XXXX pm, XXXX at whole foods at XXXX pm, XXXX at target at XXXX pm. I submitted XXXX claims and were all denied by chime. On third claim I wrote a written statement that I did not purchase these transactions or lended my card out. I was at work that day for XXXX hours and I work in a prison were no phones are allowed. My card was parked and in my car was my debit card. I provided my time sheet an a email letter from my supervisor and I went to the sheriffs department to file a police report on the sheriffs body camera while it was recording and I wrote a statement and also provided that statement to chime and the case number and the sheriffs name as well All that information was still denied Im at XXXX dollars and I did the right thing and chime is still not accepting my claim. Please help and issue my funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I dispute the accuracy of the balance reported by National Credit Systems for XXXX XXXX. National Credit Systems is reporting a balance of {$8600.00}. However, the attached XXXX XXXX XXXX XXXX consent judgment reflects a judgment amount of approximately {$2500.00} and contains settlement terms regarding possession of the premises. I requested investigation through XXXX but the account was verified without adequately addressing the discrepancy between the court record and the reported balance. I request documentation supporting the {$8600.00} amount and nothing was sent supporting this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Since at least XX/XX/XXXXXXXX XXXX XXXX XXXX has provided inconsistent and contradictory information regarding the identity of the entity for which it claims to service my mortgage loan. The recorded XXXX XXXX Deed of Trust dated XX/XX/XXXX identifies the transferee as XXXX XXXX XXXX XXXX XXXX, not in its individual capacity but solely as owner trustee for XXXX XXXX XXXX. A transfer-of-ownership notice dated XX/XX/XXXX sent to me by the trustee uses the same name throughout. XXXX itself also used that same trustee name in a sworn amended Proof of Claim filed in my bankruptcy case on XX/XX/XXXX. Despite this, XXXX later represented in written communications dated XX/XX/XXXX and XX/XX/XXXX that it services the XXXX for XXXX XXXX XXXX XXXX, as Owner Trustee for XXXX XXXX XXXX, which is a different national banking association with a separate federal charter. The same inconsistent trustee identification also appears in a sworn declaration executed by XXXX XXXX on XX/XX/XXXX. Because XXXX has used XXXX different legal entities when identifying the trustee and principal on whose behalf it claims to act, I am requesting clarification regarding the actual trustee, the authority under which XXXX acts, and whether the trustee ratifies or repudiates XXXX representations. I am also requesting confirmation that my loan is actually reflected in the records of XXXX XXXX XXXX. The issue is not limited to a clerical error. The inconsistent trustee identification appears in regulator-facing correspondence and in sworn court filings, while other records associated with the loan identify a different trustee. I am requesting a clear written explanation and confirmation of the correct entity holding the beneficial interest in the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: Chime Financial Inc
State: MI

Complaint narrative:
contacted the merchant regarding the unauthorized XXXX transaction in the amount of {$70.00}. I explained the situation and informed them that I did not make the purchase. The merchant reviewed the matter, including checking their surveillance footage and records related to the transaction. I was subsequently informed that my card information had been added to XXXX XXXX and used to make unauthorized charges without my permission. I provided this information to Chime during my dispute ; however, Chime denied my claim, stating that they found no error. I am requesting that this matter be reviewed again in light of the new evidence demonstrating that my card information was used fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
From XXXX XXXX to XX/XX/XXXX I never had access to my account. I had to call on XX/XX/XXXX and do an identification verification in order to change all my info on my account to be able to access my account. I tried to dispute a few charges on the account because current will only allow you to do a few at a time, however even on the few I had selected to be disputed I was denied and was told it was authorized. When clearly that wasnt the case. Over the course of this 6 months I have had XXXX taken out of my account. Thats with my deposit going into my account and me not having access to any of it. Current will not give me any of my money back on the charges Im not even asking for all of it but thats alot of money to take from someone. I didnt even live in Kentucky where it said I was located

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
I am a Florida resident with a Direct Consolidation loan structure ( Loans XXXX ) currently serviced by MOHELA. My official Federal Student Aid data file logs 291 qualifying IDR payments, which places my XXXX history 51 months beyond the 240-month threshold required for complete discharge.I filed an FSA Ombudsman complaint on XX/XX/year>, and have received zero communication or resolution. Because of this administrative freeze, I am being forced to make manual out-of-pocket monthly payments to MOHELA under protest to protect my account 's credit standing.I am requesting the CFPB 's intervention to force MOHELA to review my 291 audited payment status, explicitly flag my current ongoing manual payments as " disputed overpayments, '' and ensure they are officially tracked for a full cash refund once the XXXX XXXX XXXX executes my retroactive manual discharge override.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: MS

Complaint narrative:
From XX/XX/year> to XX/XX/year>, my Current account was charged XXXX times by " XXXX CF '' totaling {$560.00}. I never created an account with novig.us, never authorized these transactions, and did not receive any services. I filed a dispute with Current through the app on XX/XX/year>. Under Regulation E, these are unauthorized electronic transfers. I am requesting that Current investigate promptly and issue provisional credit within 10 business days as required by law. I have not received a resolution yet but am filing this complaint to ensure compliance with Reg E timelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
I am filing a complaint against Current Bank for violating Regulation XXXX regarding unauthorized electronic fund transfers. I was completely locked out of my account and had no access to it between XX/XX/year> and XXXX XXXX, when I finally contacted them to update my contact information. During this lockout period, multiple fraudulent, unauthorized charges were made on my account. Current Bank is refusing to investigate these charges and has denied my dispute, despite the fact that I physically could not have authorized or made these transactions. I have filed a police report Report number XXXX regarding this account takeover.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: Chime Financial Inc
State: KY

Complaint narrative:
" I am filing a complaint against Chime for violating Regulation XXXX ( XXXX XXXX XXXX ) rules regarding billing errors on my Credit Builder secured credit card. I discovered roughly {$500.00} in unauthorized, fraudulent charges on my account. I reported the fraud immediately. The next day, an additional fraudulent charge from the same merchant appeared as pending because Chime failed XXXX immediately secure the account.When I spoke XXXX Chime customer service, the XXXX gave me illegal XXXX incorrect information, stating that I am not eligible for dispute protections or credits because I have a credit card, XXXX that 'only debit cards are allowed credits during disputes. ' This violates federal lending laws. Under Regulation XXXX Section XXXX, my liability for these unauthorized charges is legally capped at {$50.00}. I demand a full, compliant investigation, an immediate freeze on collecting the disputed {$500.00} while the investigation is open, XXXX a correction of Chime 's non-compliant dispute practices. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: PA

Complaint narrative:
XX/XX/year> AFF sent me a XXXX XXXX deal because I had an XXXX dental loan agreement at {$1300.00} at 35 % finance interest and {$380.00} at 35 % finance interest. Account XXXX. On XX/XX/year> account XXXX approved for {$1500.00} at 35 % same as XXXX XXXX % when I called and spoke to a live representative at AFF response was Yes! XX/XX/year> AFF says it has a signature and that I was at that business location XX/XX/year>? Not true on signature or being there!!!! AFF said XXXX account 179.43 % finance interest dated XX/XX/year> I signed and I was at the business location there committing fraud.XXXX said XXXX I agreed to a 179.27 % F.I rate! False I was making payments on automatic payment on XXXX of every month account # XXXX XXXX payments until done and had 3 payments on account XXXX and XXXX.i found out of the FI % charge in XXXX but AFF never sent or call me.in XXXX auto pay being on for the XXXX payment but AFF stop and never call but sent me a big text saying OOPs someone for there payment!!! And tried to charge me late fee! There fault stopping it

Company response to consumer: Closed with explanation