vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
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: FinCo Services Inc DBA Current
State: DE

Complaint narrative:
XX/XX/XXXX a order from XXXX was placed in the amount of {$450.00} that same day the order was placed I reportedly immediately that the order had been stolen so XXXX refunded me back {$52.00} or {$53.00} so I had to reach back out to XXXX requesting the remaining balance that was owed to me. On XX/XX/XXXX I was notified by email that XXXX refunded me back {$390.00} I have submitted multiple emails to current and they keep denying me about getting it credited back to my current account I even called XXXX and did a three way phone call the agent from XXXX even let the current agent that no refund was in my account I have been going through this for 4 weeks I keep trying to appeal the denial with proper paperwork from XXXX and current is still denying me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: AL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding inaccurate and misleading credit reporting related to my student loan accounts previously serviced by Nelnet ( Department of Education/Nelnet ) . The following accounts are currently being reported on my credit file : DeptED/Nelnet Account ending in XXXX Balance {$13000.00} DeptED/Nelnet Account ending in XXXX Balance {$5500.00} DeptED/Nelnet Account ending in XXXX Balance {$15000.00} DeptED/Nelnet Account ending in XXXX Balance {$3800.00} DeptED/Nelnet Account ending in XXXX Balance {$6800.00} These accounts have XXXX transferred/sold to XXXX, yet Nelnet continues to report active balances on all three credit bureaus. This creates duplicate reporting of the same debt, which is inaccurate, misleading, and a violation of the Fair Credit Reporting Act ( FCRA ), specifically : Failure to report accurate information ( 15 U.S.C. 1681s-2 ) Reporting duplicate or misleading account information Failure to update account status to reflect transfer/sale Because the debt is no longer owned or serviced by Nelnet, they must either : 1. Report a {$0.00} balance and transferred/sold status, OR 2. Remove the accounts entirely from my credit file At this time, neither has been done, and the continued reporting is negatively impacting my credit profile. I am requesting the following : Immediate investigation of these accounts Removal of all inaccurate Nelnet tradelines OR correction to {$0.00} balance with proper transfer notation Confirmation that duplicates reporting between Nelnet and XXXX has been resolved Please provide documentation validating Nelnets legal right to continue reporting these balances despite the transfer to XXXX. If this matter is not corrected, I am prepared to escalate this complaint further for violations of federal law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Bank XXXX XXXX transferred the mortgage loan to Shellpoint. Shellpoint hired XXXX XXXX to taped a letter to the front door of the property stating the property was vacate. This method now invite unwanted individuals to possible break into the property. The company broke into the property, damaged the front door which must be replaced, damaged the garage door which a section must be replaced, remove the front door hardware which was replaced, damaged the dining room flooring which must be replaced, damaged the hot water heater, turned off the electric via the breaker box and turned off the water at the street. We were locked out of the property via the front door and garage. A police report was submitted for trespassing. We never received correspondence nor a phone call regarding this matter at our primary residence. Shellpoint also has our current address which is different than the investment property. The lawn is maintained on a regular basis and does not look abandoned. We returned to property on XX/XX/year> to discover a XXXX notice taped to the door stating the property is vacate. I am unable to upload some docs due to the XXXX XXXX size.

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 2026-04-13 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I paid my credit card account in full on XX/XX/2025 and requested that the account be closed on the same date ( or shortly after ). Despite this, the account was not properly closed, and I was later charged a late fee and reported as having a late payment. I believe this is incorrect because the account should have been closed and had a XXXX balance. I am requesting : Removal of the late fee Correction of any negative reporting to credit bureaus Written confirmation that the account is closed with a XXXX balance

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am submitting a complaint regarding Chimes decision to close my account without providing a clear or specific explanation. On [ insert date ], I received notification that my account will be closed on XX/XX/year>. I was instructed to transfer my funds, but no detailed reason for this action was given. I have not knowingly violated any terms of service and have used my account for normal financial activity. The lack of transparency is concerning and has caused inconvenience and distress. I am requesting : 1. A clear explanation for why my account is being closed 2. Assurance that my account history has not been negatively or inaccurately reported 3. Confirmation that I will receive all remaining funds without delay I would appreciate a prompt and transparent response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
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: Block, Inc.
State: FL

Complaint narrative:
The company charging my account XXXX thankfully closed the account because I disputed the transactions because my information like banking information was stored on their website. The company was a fraudulent company to begin with i later found out. Either they kept charging me or my account was hacked. And cash app approved some of the disputes and denied and recharged some to me over again. I asked cash app hoe some are deemed fraudulent and some are supposedly mine when it's all the same company that did them. They have not gotten back to me and recharge them making my cash app negative and they themselves closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: RentDebt Automated Collections, LLC
State: OH

Complaint narrative:
I have a complaint files under XXXX. Im submitting this do to just getting documents that further prove fraud and I was part of the settlement this company was made to payout to people it overcharged. The settlement payment wqs sent to the debt collector however I just spoke to them on friday and it still have the original amount and they requested i pay the original amount. This further shows this company is trying to charge me for the wrong amount. It also shows liability since a payment was sent for overcharging

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My car got totaled my lender was chase and chase didnt sent the documentation they were supposed to including the settlement check and because of this my gap has been denied and Im left with the bill

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: MN

Complaint narrative:
I am filing a formal complaint regarding inaccurate credit reporting caused by repeated servicing errors related to my student loan autopay. This issue is not due to missed payments or lack of funds. It is the direct result of system failures and misinformation provided by the loan servicer. Timeline of Events : In XX/XX/2025, we contacted the loan servicer multiple times ( a total of XXXX calls ) to ensure that automatic payments were properly set up. During our final call in XX/XX/2025, we were explicitly told to rest assured that autopay was successfully established and active. Despite this assurance, the servicer failed to maintain autopay. We were unknowingly removed from automatic payments again in XX/XX/2025 without any notification. Because we had been clearly told autopay was active, we had no reason to suspect an issue. As a result, we did not discover the error until XX/XX/2025. Immediately upon discovering the issue in XX/XX/2025, we contacted the servicer. During that call : * A supervisor acknowledged the autopay failure * Autopay was re-established * The account was brought current immediately * The supervisor assured us that the negative credit reporting would be corrected, as the issue was not our fault This has never been a matter of inability or unwillingness to pay. The issue has always been the servicers system failure and inaccurate setup of autopay. However, despite these assurances, the servicer reported the account as delinquent for approximately XXXX months across XXXX separate accounts. As of todaynearly a year laterwe have discovered that this inaccurate delinquency remains on the credit report and is actively damaging the borrowers credit score. This issue has now directly impacted our ability to purchase a home. Prior to this error, the borrower maintained a perfect payment history and strong credit profile since the age of XXXX. This derogatory reporting is both inaccurate and unjust. Requested Resolution : * Immediate removal of all delinquency reporting associated with XXXX 2025 * Correction of all affected tradelines across all credit bureaus * Written confirmation that corrections have been completed * Review and correction of internal servicing errors to prevent recurrence The servicer has already acknowledged fault and committed to correcting this issue but has failed to follow through. This is inaccurate reporting under the Fair Credit Reporting Act and must be corrected immediately. We are requesting prompt intervention to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Subject : Formal Complaint Against Golden 1 Credit Union Unauthorized Transaction / Fraud Dispute Denial I am filing a formal complaint against Golden 1 Credit Union regarding the improper handling of a fraud dispute on my account. On XX/XX/year>, a transaction in the amount of {$990.00} was made from my account without my authorization. This transaction was not initiated, approved, or knowingly participated in by me. I later discovered that my ex-partner accessed my account and transferred funds to another individual without my consent. I promptly reported this transaction to Golden 1 as unauthorized fraud. The credit union issued a provisional credit during the investigation ; however, they later denied my dispute, claiming that I participated in the transaction and agreed to the terms. This conclusion is incorrect. At no point did I authorize this transfer, nor did I knowingly approve any terms related to it. The fact that another individual had access to my account does not constitute authorization under federal consumer protection laws. I believe Golden 1 failed to properly evaluate the circumstances of unauthorized access and instead relied solely on superficial transaction data. Additionally, I was not provided with sufficient documentation or evidence supporting their decision, nor was I given a fair opportunity to challenge their findings. Golden XXXX has stated they will reverse the provisional credit of {$990.00} on XX/XX/year>, which will cause financial hardship and reflects an unjust outcome given the fraudulent nature of the transaction. I am requesting : 1. A full reinvestigation of this matter as an unauthorized fraud claim 2. A detailed explanation and documentation of all evidence used in denying my dispute 3. Immediate restoration of the provisional credit while the investigation is properly conducted I believe my rights under federal regulations governing unauthorized electronic fund transfers have not been upheld. Please investigate this matter and require Golden 1 Credit Union to correct this improper decision. Case # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
CFPB Complaint Huntington National Bank ( Fraudulent Wire Transfer Proceeds ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau Subject : Complaint Against Huntington National Bank Fraudulent Wire Transfer Proceeds Summary of Incident On XX/XX/year>, funds totaling {$16000.00} were transferred from my XXXX XXXX accounts without my authorization as part of an account takeover incident. The recipient of these funds was identified as XXXX XXXX, whose account is held at Huntington National Bank. This transfer was not authorized by me in any form. Actions Taken - I immediately reported the fraud to XXXX XXXX within minutes of receiving fraud alerts - A wire recall request was sent to Huntington National Bank on XX/XX/year> - I contacted Huntington National Bank and was advised to visit a branch in person - The incident has been reported to : Federal Trade Commission ( Identity Theft Report # XXXX ) FBI XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( Report # XXXX ) CFPB ( XXXX XXXX Complaint # XXXX ) Partial Recovery Huntington National Bank issued a partial return of {$3800.00}, indicating that funds remained in the receiving account after the fraudulent transfer. However, {$12000.00} remains unrecovered. Basis for Concern Given that a fraud recall request was submitted the same day, and funds remained available for recovery, I request review of the following : - Whether the transaction was flagged as suspicious - What fraud monitoring or XXXX procedures were triggered - What actions were taken to freeze or review the account - Whether additional funds could have been preserved - Whether appropriate safeguards were followed Request for Resolution I respectfully request that Huntington National Bank : 1. Provide documentation of actions taken regarding the receiving account 2. Confirm the timeline of withdrawals or transfers 3. Evaluate whether proper monitoring procedures were applied 4. Assist in recovering any remaining funds, if possible Conclusion This incident involved unauthorized account access and fraud. While partial recovery occurred, a substantial portion of funds remains unrecovered. I respectfully request a full review and assistance in determining whether additional recovery is possible. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: NM

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Chimes handling of ATM access and the resulting excessive fees I have been forced to pay. I have been charged a total of {$220.00} in ATM fees due to the lack of accessible in-network ATMs in my area. Chime advertises widespread access to fee-free ATMs, creating a reasonable expectation that customers will be able to withdraw their money without incurring repeated charges. However, in my location, there are no practical in-network ATM options within a reasonable distance. Because of this, these fees were unavoidable, not discretionary. When I contacted Chime customer support to address this issue and request assistance or reimbursement, my concern was dismissed. I was told to drive 20 miles to access my own money without fees. This response is unacceptable and highlights a failure to provide reasonable access to funds, especially for customers in rural or underserved areas. This situation raises serious concerns about : - Misleading advertising regarding ATM accessibility - Unfair fee practices resulting from lack of reasonable access - Inadequate customer service and failure to address legitimate complaints Customers should not be forced to travel long distances simply to avoid excessive fees to access their own funds. I am requesting : - A full or partial reimbursement of the {$220.00} in ATM fees, as they were unavoidable under the circumstances - A formal review of Chimes ATM access claims and how they apply to rural customers - Corrective action to ensure customers are not misled about fee-free access availability If necessary, I am prepared to provide documentation of the fees incurred and evidence of the lack of nearby in-network ATM options. Thank you for your time and attention to this matter. I look forward to a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have a credit card thats 3 years past due. XXXX $ was taken from my Navy federal account on XX/XX/year>. This credit card was charged of as I was told. The XXXX $ was sent by the father of my children for child support that is send monthly. I called and let them know that this month is for child support. I informed them that XXXX the head of Family and unemployed caring for XXXX XXXX children. I also as the to reverse the child support portion. I also told them that child support is protected in the state of XXXX. I spoke a manger and explained that he pays thru XXXX and I can provide proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRSTBANK
State: CO

Complaint narrative:
On XX/XX/XXXX, I opened a personal checking account with FirstBank in branch to take advantage of a {$300.00} cash bonus promotion. I asked the banker and that helped me open the account if I qulified for the promotion and they said I did after loooking up my information and seeing that I had business banking accounts with the bank. Per the promotional terms, I was required to set up direct deposit and receive at least {$500.00} in direct deposits each month for three consecutive months. The bonus was to be paid within 120 days of account opening. I fulfilled all stated direct deposit requirementsa sfollows XX/XX/XXXX of {$1100.00}, XX/XX/XXXX of {$1000.00}, XX/XX/XXXX of {$500.00} and XX/XX/XXXX of {$500.00} The XXXX window from account opening expired on XX/XX/XXXX. No bonus was credited to my account. On XX/XX/XXXX, I contacted FirstBank customer service to ask about the outstanding bonus. I was told for the first time that I do not qualify for the promotion because I already have an existing business banking relationship with the bank. This disqualifying condition was not disclosed in the promotional terms I received at the time of account opening. Had I been informed at account opening or at any point before the promotional period concluded that my existing business relationship made me ineligible, I would not have opened this account and directed my payroll deposits to it. The bank allowed me to complete the full qualifying period, pass the 120-day payout deadline, and only disclosed the disqualification when I proactively called to ask. I have attached the terms for the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Estate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX See XXXX XX/XX/year> Hearing Scheduled XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 's duties suspended as XXXX ; XXXX XXXX Court-appointed Administrator with Full Authority , Will Annexed , ( Note that former Executor, XXXX XXXX XXXX used an invalid XXXX to XXXX an Estate account with Bank of XXXX XXXX XXXX Estate Account, with a valid XXXX, opened by XXXX XXXX ( XXXX ), XXXX Estate XXXX with Full Authority XXXX XXXX Annexed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX Estate Administrator was denied access to the account. Also, denied copies of records, hard or electronic copies, to add to the Estate files. Distribution of Estate Proceeds was completed by an unknown party, possibly the XXXX XXXX XXXX XXXX XXXXXXXX. Requesting copies of statement ( s ), copies of cancelled check ( s ).

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