vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: NE

Complaint narrative:
I contacted my credit card issuer ( Barclays ) in XX/XX/2025 to update my phone number and email address, both of which had changed. I was unable to complete authentication because the only verification method offered was multi-factor authentication sent to my old phone number or email address. 

When I explained that I no longer had access to either, I was told the only alternative way to verify my identity was to mail copies of my Drivers License, Social Security card, and a recent piece of mail showing my address. I was specifically told that I could not upload these documents electronically and that no other secure verification options were available. 

I expressed concern that mailing highly sensitive personally identifiable information ( including my Social Security card ) creates unnecessary identity-theft risk. I asked whether safer alternatives were available, such as secure document upload, in-branch verification, or other manual review methods, but none were offered. 

I was eventually able to regain access by recovering my old email account, so I did not mail the documents. However, I am filing this complaint because requiring customers to send extremely sensitive PII through physical mail and refusing secure upload or other modern verification methods poses a significant security risk to consumers. 

I am concerned that this practice unnecessarily increases the likelihood of identity theft and does not reflect reasonable or consumer-protective security standards.

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
This complaint is regarding JPMorgan Chase 's failure to provide a substantive response to CFPB complaint # [ XXXX ]. 

Summary of Original Issue : Chase changed the legal ownership of my joint checking account to a sole-owner account without my knowledge or authorization, a serious banking error that resulted in unexpected fees. 

The New Violation ( Company 's Bad-Faith Response ) : In its response to the CFPB, Chase admitted the ownership change but provided XXXX evidence or explanation that I authorized it. Instead, it discussed fee waiver requirementsa separate topicand stated no bank error occurred. 

This response is materially incomplete and non-responsive. It confirms the problematic action while ignoring the central legal question of consent. This is a failure to engage with the CFPB process in good faith. 

The company 's inadequate response has compounded the harm, wasting more of my time and demonstrating disregard for the consumer complaint process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
On or about XXXX I was electronically informed of a " 30 day late payment '' posted to my credit file, regarding the XXXX mortgage payment for PennyMac loan ending in XXXX. During the month of XXXX in XXXX, I made 3 separate mortgage payments to my PennyMac account number ending in XXXX. The payments made are as follows : XX/XX/XXXX - {$760.00} ; XX/XX/XXXX - {$1700.00} ; XX/XX/XXXX - {$1700.00}, totaling {$4200.00}. This amount was {$22.00} more than the XXXX XXXX  monthly amount due of {$4200.00}. On XX/XX/XXXX I telephoned PennyMac and eventually spoke to a supervisor named " XXXX XXXX. '' During my conversation with " XXXX XXXX. '' I was informed that the company mistakenly applied the 3rd payment ( {$760.00} ) to escrow. " XXXX XXXX. '' stated that the error would be rectified and both the re-allocation of funds to the monthly payment balance and the removal of the incorrect credit reporting, were formally submitted. On XXXX I received notice from PennyMac that my monthly payment for XX/XX/XXXX was " short approximately {$900.00}. '' After a lengthy discussion, I was again informed that the mistake was made after the payment of {$760.00} was " submitted online. '' PennyMac confirmed the payment was in fact received, " it was just applied to escrow. '' Allegedly another " request for re-allocation of funds '' to the mortgage balance was made at this time, along with the formal request to reverse the late credit reporting notification to my credit file. I have attached the payments made to PennyMac for the month of XX/XX/XXXX and the corresponding dates to which they posted. As of now, the late payment mark has not been removed from my credit file and the funds have not been re-allocated to reflect the balance as " current and never late. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I received my checking and savings account and noticed an {$18000.00} withdrawal from my savings account by a company named XXXX XXXX XXXX. I do not have an account with XXXX XXXX nor did I authorize anyone to do this transaction.

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, Bank of America posted a debit/hold of {$64.00} on my account labeled DEBIT/HOLD. I did not authorize this withdrawal and do not recognize the receiving account. I contacted Bank of America for help and requested to file a formal fraud dispute. 
I was told multiple times I was speaking with Fraud, then after XXXX minutes the representative admitted they were actually Small Business Deposits and not Fraud. The representative refused to : open a fraud case provide a dispute / case number provide employee ID or full identification transfer me to an actual Fraud supervisor They also repeatedly went silent while refusing to acknowledge my dispute. This was extremely concerning and prevented me from filing a fraud dispute. 
I am requesting : -A formal fraud case opened -A written explanation of where my money went -Return of my {$64.00} or provisional credit I have been a customer in good standing and I can not get help through normal channels. I need assistance to resolve this compliance issue.

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 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MoneyLion Inc.
State: PA

Complaint narrative:
MoneyLion approved me for a {$10.00} XXXX advance, but no funds were ever deposited into my XXXX account. Despite this, the app is showing a repayment obligation. On XX/XX/XXXX I have contacted support multiple times with no response. I am requesting the advance be voided, any repayment canceled, and my account corrected, it is scheduled to automatically withdraw that money via my bank in The Amount of XXXX for {$10.00} I never received on the date Monday XX/XX/XXXX Which is absurd considering these circumstances, Ive recently unlinked my XXXX  debit card out of this fear of a Unauthorized withdraw from my account, but my account number and routing is still connected to moneylion so they still have the power to deduct and bring my account to the negatives,

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: NM

Complaint narrative:
The company National Recovery Agency ( NRA ) is contacting me regarding a debt that I never knew existed as I received no notification prior to their harassing text messages. The company, XXXX XXXX XXXX was a company I stopped receiving medication from back in XXXX when my XXXX ended. As I had both XXXX and Private insurance at the time I was receiving medication from them, there should have been no copay. I want proof of services provided and insurance billed. If Either NRA or XXXX can not provide that, then the debt should be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
To whom it may concern, I am requesting that XXXX XXXX recall/withdraw the collection placed with Sunrise and that the collection tradeline be deleted from my credit reports. 

Background : I disputed a {$250.00} XXXX XXXX charge for approximately six months. During this time, XXXX XXXX was unresponsive regarding the outcome of my dispute and I did not receive any clear dispute decision or denial notice. Before traveling abroad, I contacted XXXX XXXX customer service and informed them I would be abroad and unable to receive phone calls, and I requested communication by email ( which the representative assuring that would be written in my notes ). I did not receive dispute resolution updates by email. 

Before going abroad while monitoring my account, XXXX XXXX portal showed a {$0.00} balance, which led me to believe there was no outstanding amount due while the dispute was pending. I later discovered the balance had been transferred to XXXX and a collection was reported on my credit, which significantly lowered my score. If I had been notified that the dispute was denied or that the balance would be sent to collections, I would have paid immediately! 

I have now paid the alleged debt in full to XXXX as soon as I became aware of the collection ( see attached proof of payment ). The issue is not willingness to pay ; it is XXXX XXXX failure to provide proper notice and mishandling of the dispute/communication, resulting in avoidable credit harm.

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 2025-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/2025, I obtained a mortgage loan originally in the amount of {$520000.00}. I later requested cancellation of Private Mortgage Insurance ( PMI ). 

On XX/XX/2025, Truist sent me a written letter stating that although my PMI cancellation request was initially denied, I could qualify for PMI removal by making a one-time principal-only payment of {$22000.00} to reduce my loan-to-value ( LTV ) ratio to the required level. 

I relied on this written instruction and made a principal payment equal to or greater than the amount Truist specified. As a result, my current principal balance is {$390000.00}, which places my LTV at approximately 74.7 %, below both the 80 % Homeowners Protection Act ( HPA ) threshold and the investor guideline thresholds cited in Truists letter. 

Despite this, Truist has continued charging PMI. When I contacted Truist by phone, I was told that my payment was allegedly received after the 30-day window, even though Truist accepted and applied the payment and my LTV clearly met eligibility requirements. 

After accepting my payment, Truist introduced new requirements that were not stated in the XX/XX/XXXX letter, including requiring a new Broker Price Opinion ( BPO ), even though the property was purchased earlier the same year and already had a recent valuation. 

On XX/XX/2025, Truist charged me {$190.00} for a BPO, but as of today the BPO has not been scheduled or performed, and no results have been provided. Meanwhile, Truist continues to charge PMI monthly. 

Truists actions include failure to honor written representations, continued PMI billing after borrower compliance, charging for a service not performed, and ongoing delay tactics that have caused financial harm.

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 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
This complaint concerns post-fraud negligence by Zions Bank and the closure of my prior CFPB complaint without evaluation of new material third-party evidence that directly contradicts Zions Banks regulatory representations. 
In XX/XX/year>, I authorized a {$10000.00} domestic wire transfer through Zions Bank. I did not know the recipient, which is why I was physically present in the branch with a Zions bank manager attempting to verify recipient information prior to the transfer. Within days, the transaction was identified as fraudulent. I reported the fraud immediatelyfirst through Zions XXXX phone line on a Saturday, then in person at the branch on the next business day. I also filed an IC3 report and contacted local law enforcement. 
Zions Bank initiated a recall on XX/XX/year>. After that recall, Zions failed to provide timely communication, failed to explain escalation steps, and failed to provide transparency regarding coordination with the receiving bank or law enforcement. On XX/XX/XXXX, I was told without explanation that the money is gone. 
Zions Bank later represented to the CFPB and XXXX that it had fully investigated the matter, acted appropriately, and implied that escalation stepssuch as a Hold Harmless requestwere part of its post-fraud handling. Zions also stated that I knew the recipient, which is false and contradicted by my documented in-branch verification efforts.

After the CFPB closed my complaint based on Zions Banks representations, I received new material evidence from the receiving bank, XXXX Banks Executive Office. XXXX confirmed in writing that : No Hold Harmless request was ever received from Zions Bank ; XXXX received no escalation or follow-up communications beyond the initial recall ; XXXX made XXXX attempts to contact the recipient account holder, all of which went unanswered. 
This third-party confirmation directly contradicts Zions Banks regulatory narrative and materially affects whether Zions post-fraud handling was accurately represented. The absence of a Hold Harmless request and lack of escalation significantly reduced any realistic opportunity to recover the funds.

Zions Banks subsequent CFPB responses did not address this contradiction or correct the record. The CFPB closed the complaint without reconciling conflicting accounts between the sending and receiving banks and without evaluating this new material evidence. 
This complaint is not about authorization of the wire. It concerns post-fraud negligence, failure to escalate after notice, and reliance on inaccurate or incomplete information during regulatory review. I am requesting reconsideration of whether the CFPBs review adequately addressed these material facts and whether the complaint process functioned as intended in light of this evidence.

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 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I have called credit acceptance multiple times requesting they stop sending corresponding emails to my Ex father in law about my auto loan. Every time they say there is nothing the can do I have to change email listed in my portal which I have also done multiple times verifying its my email and he is not listed as a 3rd party they can contact...

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 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
I am submitting this complaint regarding unreasonable delay and lack of resolution related to my Public Service Loan Forgiveness ( PSLF ) Buyback and payment reconsideration request. I submitted my buyback request in XX/XX/year>, and both MOHELA and Federal Student Aid have since confirmed multiple times that my case has been escalated and is currently in final review. Despite this, nearly a year has passed without a determination or timeline for resolution.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Long story short- I paid in advance several months cash payment on my auto loan with BoA at their branch location near me. My truck was repossessed after a XXXX late because the bank states I only paid toward my total balance because of a teller error and that they show me almost XXXX months late. Per them it was their fault Per one banker, however I still can not get my truck back if I pay the late payment. which would be XXXX month. when I asked to get my personal items they did not know who had my truck. This went on for XXXX days. They finally gave me a number. The number they gave me was not accurate and they did not have my vehicle. Come day XXXX, I still am not able to regain my personal items and they do not know who has my vehicle. If I could press charges for partial theft I would at this point. Ive lost a car seat, XXXX  gifts, seat covers, documents, pictures theres no reason for this.

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 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: AR

Complaint narrative:
I took out a {$1700.00} line of credit with CreditFresh. After making monthly give or take payments of {$200.00} for a complete year the balance is lowering a tiny bit. Payments are pulled from my checking account every 2 weeks. When looking at my account I notice a {$85.00} in fees labeled as billing cycle charges. With only {$13.00} applied to the principal balance. As of today XX/XX/year>, I have paid CreditFresh roughly {$2300.00} on a {$1700.00} applied amount. 

This loan product is predatory situation. CreditFreshs practices are deceptive and unfair to consumers. Making it very difficult to pay down the principal / balance. The account is continuously generating fees creating a endless financial setbacks. 


The fees and the payment structure are not clearly explained of approval. I.E, loan length and amount with interest. 

I am requesting that CreditFresh review my account and provide a fair resolution, including consideration of canceling the remaining balance or restructuring the loan to reflect the payments I have already made. 

I am requesting a investigate and take appropriate action against the unfair practice. Focusing on the companys lending practices and loan terms. Also centering on the allegations of the loan structure that may violate consumer protection laws. 

CreditFresh revolve around the high cost of credit and insufficient disclosure of loan terms. Loans offered as lines of credit have been reported to carry Annual Percentage Rates ( APRs ) starting around 65 % and potentially reaching 200 % or more. 

The federal Truth in Lending Act ( TILA ), mandates clear and conspicuous disclosure of loan terms. TILA is codified in 15 U.S.C. 1601. A TILA violation can occur if the lender fails to accurately state the finance charge, the APR, or the total payment schedule. The companys fee structure lacks transparency, making it difficult for a consumer to determine the actual cost of the money borrowed. The combination of high rates and alleged disclosure failures supports the legal theory that the loans may be unconscionable or illegal. Against creating a financial hardship that is very difficult to complete.

Company response to consumer: Closed with explanation