vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken
State: TX

Complaint narrative:
Kraken XXXX XXXX ( XXXX, FINRA/SEC-registered broker-dealer , CRD XXXX XXXX ) is holding approximately $ XXXX of my funds and refusing to convert assets to USD or process a XXXX withdrawal to my verified US bank account. I am a US citizen and resident of XXXX, temporarily in XXXX. I have provided US residency proof multiple times. Kraken claims my location falls under a " prohibited jurisdiction under internal policies '' but refuses to cite any specific federal law, SEC regulation, FINRA rule, or compliance policy that prohibits a verified XXXXS resident from accessing and withdrawing their own funds in XXXX XXXX. They block all account actions ( including withdrawal ) because 2FA/passkey verification fails on every browser despite troubleshooting. They insist on crypto withdrawal only, which I do not consent to. This is an unreasonable restriction on access to client assets in violation of FINRA Rule 4512 ( customer account access ) and SEC Regulation Best Interest ( fair dealing/asset protection ). Precedent includes FINRA Case # XXXX ( failure to provide asset access ) and SEC In re XXXX ( unreasonable restrictions ). Latest development : Kraken confirmed XXXX withdrawal should be possible from US login, but blocked my attempts from XXXX, XXXX ( direct residential IP, proof attached ) and again from XXXX ( primary residence, screenshots attached ). This is a clear contradiction. Full email chain and screenshots attached.

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 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
XX/XX/XXXX To Whomever this May Concern : I have a conventional mortgage loan and Select Portfolio Servicing is the servicer. I have been in a Request for Mortgage Assistance Application status since XXXX of XXXX. Even though, I have submitted all required documents, they continue to ask for more. Each time I answer a question or provide a document, its never enough. I believe they have everything they need to make a decision. We have sent taxes, paystubs, a mortgage application twice, answered all of their questions ( which some could be answered by looking at documents already provided ). I have requested to make payment and they have refused to accept any partial payment, at this time. Fees and charges have been accruing since XXXX of XXXX, which just makes the re-instatement amount thousands of dollars more. They have also reported me to the credit bureau, even though Im in XXXX status and they wont accept payment. I need help investigating why this is stalled and how this can be remedied in a more timely manner. I can not continue to rack up fees and be able to afford the re-instatement amount, should they deny my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: GA

Complaint narrative:
My tax refund was transfer into a credit karma account.I was told that I had to Go through the process of verifying identity ( Through their mitek system ) to recover account.Their system told me many times that the IDs were accepted but the business ( credit karma ) refused to accept it, stating that they could not read it on their side.They said they were going to escalate the problem to get into my account. Where then I was told to get " better Forms of ID '' .. ( I had a GA state ID that just came through the mail ) ... if I expect it to work.I tried many times to work their steps I was left with out a solution.They refused to show the funds and further locked the account and when asked to close the account and send money back to IRS . They refused and say they don't have the authority to authorize said thing .They have decided to keep the money. I have proof of a joke, that they will keep the money, '' safe from me '' while I figure this out .. And I don't trust their process of " cutting a check '' when they are having authorization issues to begin. Please help I have all necessary paperwork to recover account. I have given this over but they still refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase has failed to provide records of our account and is attempting to collect {$40000.00} despite our good-faith dispute. I reported the fraud XX/XX/year>, to date I have my handwritten journal from that time which shows my personal record, in addition to my call log from XXXX XXXX. JP Morgan Chase is not only attempting to collect a {$40000.00} debt for which they lost my fraud report, but the attorneys involved are also overcharging both sides and seeking an additional {$40000.00} in attorney fees. This effectively doubles the alleged debt as a penalty for me exercising my right to dispute fraud. Seeking $ XXXX in fees to collect a $ XXXX debtwhile admitting records are missingis predatory and a violation of the Fair Credit Billing Act 's spirit of consumer protection. Even the arbitrator overcharged both Chase and myself an additional {$310.00} over the maximum allowed amount per case per law for fees over {$2000.00} The whole thing is wrong and I am asking for help and a resolution, I had fraud I reported it. I dont know what else to do. Any help is appreciated Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: OR

Complaint narrative:
Dear Early Warning Services, I am requesting a copy of my consumer report disclosure under the Fair Credit Report Act FCRA Section 609. I have the right under the Fair Credit Reporting Act to get a free copy of my credit report under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, our XXXX XXXX XXXX was repossessed by XXXX XXXX XXXX due to missed payments from XX/XX/XXXX and XX/XX/XXXX each being {$500.00}. These payments were all sent in on time through Chase XXXX XXXX, and Chase was able to provide Proof of Payment. However, when we went into Chase to find out what happened, they portrayed that they sent out the payment ( XX/XX/XXXX ), but it was never delivered nor deposited. When we asked Chase if they can trace or track the check they sent out, they were unable to do so. Regarding the XX/XX/XXXX payment, it was sent on time, however XXXX XXXX XXXX did not deposit this Until XX/XX/XXXX, making this a late payment and credited towards XXXX and not XXXX. When we tried to explain this to XXXX XXXX XXXX, all they said was there was nothing they can do, and upon us insisting a case was opened, they sent it to their collections team, in which we have not heard back. Repossession fees included {$670.00} for tow, and {$320.00} for redemption and storage. We also had to pay XXXX {$1100.00} for the missed months payments- which Chase had already took out of our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
In XX/XX/year>, my family purchased a whole-house water treatment system and reverse XXXX unit that was financed through Aqua Finance for approximately {$8000.00} in Tennessee. The sale occurred during an in-home presentation that involved significant high-pressure tactics. During the sales visit, the representative made statements implying that if we did not purchase the system we were being irresponsible or bad parents. The representative remained in our home for an extended period despite our hesitation, creating a coercive and uncomfortable sales environment. We also recall being told that even when customers are approved for lower amounts, higher-priced systems are still sold, which raised concerns about the fairness and transparency of the financing and pricing presented to us. Based on our experience and subsequent review, we believe the system may have been sold at a significantly inflated price and that the financing was obtained through unfair or deceptive sales practices. I contacted Aqua Finance to request clarification regarding why my account was not included in any settlement review and to better understand the loan terms and dealer conduct. I did not receive a satisfactory explanation. I am submitting this complaint for formal review of the origination of this loan and the associated sales practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a small business owner reporting " XXXX XXXX '' ( first-party fraud ) committed by a Chase account holder, XXXX XXXX XXXX XXXX # XXXX ). On the XX/XX/year>, the customer purchased goods totaling {$170.00}. Following delivery update sent to the customer email, the customer initiated a fraudulent dispute for {$180.00} ( original amount plus a {$15.00} chargeback fee from XXXX ) claiming " Product Not Received. '' I have provided Chase with definitive proof that this claim is false, including : XXXX tracking ( XXXX ) showing successful delivery to the customer 's residence in XXXX XXXX, TX. Written admissions from the customer confirming she has the items in her possession ( she messaged me criticizing the items, and when she saw a legal email promised to pay me and even requested for my bank details which proves receipt, yet no payment and shes proven to get away with my money and cause my business and XXXX account issues ) I escalated this to the Chase XXXX XXXX ( Case # XXXX ) via the Texas Attorney General ( XXXX XXXX. Chase responded stating they " can not assist '' because I do not have a merchant account with them. This is an unacceptable refusal to investigate documented fraud. By allowing this fraudulent reversal to stand despite proof of delivery and a customer confession, Chase is facilitating " Theft of Services '' and " Cyber-Shoplifting. '' I am requesting that the CFPB compel Chase to investigate the fraudulent misuse of their debit dispute system and return the {$180.00} to my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Company : Comenity Capital Bank Product : XXXX Credit Card Account Ending : XXXX I am filing this complaint regarding inaccurate interest calculations, improper deferred interest application, and inconsistent balance reporting by Comenity Capital Bank on my XXXX Credit Card account. After reviewing multiple consecutive billing statements ( XXXX XXXX ), I discovered the following serious discrepancies : 1. The deferred interest promotional balance increased from {$430.00} to {$540.00}, then to {$550.00}, {$570.00}, and {$590.00} despite no new purchases being made. 2. Total Accrued Interest is reported as {$93.00} and later shows {$0.00}, without explanation of how deferred interest was calculated or applied. 3. The Balance Subject to Interest changes each month without clear reconciliation to the promotional plan balance. 4. Interest appears to be compounding on fees and prior interest charges without transparent daily balance calculation disclosures. 5. A {$50.00} payment made on XX/XX/year> did not clearly reduce the promotional balance, and payment allocation was not properly disclosed. These inconsistencies raise concerns under : Truth in Lending Act ( TILA ) Regulation Z ( 12 CFR 1026 ) Fair Credit Reporting Act ( if inaccurate delinquency reporting occurred ) I am requesting : A full forensic accounting of the promotional plan from origination to present. Itemized calculation of all deferred interest applied. Reversal of improperly applied interest and late fees. Correction of any inaccurate credit reporting related to this account. Written explanation of payment allocation methodology used. If Comenity can not provide complete documentation supporting these charges, I request deletion of all disputed fees and interest and correction of reporting. I expect a detailed written response and documentary proof of calculations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: CO

Complaint narrative:
Cancelled service XX/XX/2025 due to continued billing discrepancies. Was still was charged service fees XXXX months after for lines no ported to another provider. Two attempts to complete and correct cancellation made personally and another separate attempt with the assistant of a branch manager of XXXX XXXX XXXX XXXX location. Never was provided documents to mail back devices resulting in noneeturned device fees. Seven attempts with seven different collection agencies to date, making this the eighth. This is due to collection agencies releasing the account back to XXXX to settles disputes and correct amount owed. Rather, XXXX does not follow through and attempts to collect incorrect amount utilizing a different collection agency. Previous complaints filed with CFPB and FTC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
XXXX XXXX the debt amount was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint regarding a 30-day late payment that resulted from residual interest posted after I closed my Capital One credit card account. I closed the account on XX/XX/XXXX, believing it was paid in full. Approximately XXXX week later, {$40.00} in residual interest was posted. The account was enrolled in paperless statements and notifications only. Capital One has confirmed that email notifications sent to me were undelivered. I did not receive any successful notification that a balance remained prior to the assessment of a late fee. A late fee and additional interest were applied. The account was subsequently reported 30 days late. My prior payment history was otherwise clean. I requested a courtesy adjustment, which was denied. This isolated incident has negatively affected my previously clean credit history and resulted from residual interest after account closure combined with failed notification delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am filing a complaint against USAA Federal Savings Bank for failure to comply with the Electronic Fund Transfer Act ( Regulation E ) regarding an unauthorized ACH debit. A withdrawal in the amount of {$990.00} was taken from my account by XXXX without my authorization. I immediately notified USAA and filed a dispute. A provisional credit was issued and then reversed. I contacted USAA again and clearly stated that : This was an unauthorized electronic fund transfer I revoked any ACH authorization to XXXX I am invoking my rights under Regulation E USAA refused to : Reopen the claim as an unauthorized EFT Provide provisional credit Place a permanent ACH block on the merchant Escalate the matter to a supervisor who would apply Regulation E protections Under Regulation E, when a consumer reports an unauthorized electronic fund transfer, the financial institution is required to conduct a reasonable investigation and provide provisional credit while the investigation is pending. USAA has instead relied on the merchants claim of authorization and denied my rights under federal law. This has caused financial hardship and has prevented me from meeting other financial obligations. I am requesting the following : Immediate provisional credit of {$990.00} A proper Regulation-E investigation A permanent ACH block against XXXX Written confirmation that no further unauthorized debits will be honored I am a USAA member and a 100 % XXXX veteran with stable income, and I relied on USAA to protect my account from unauthorized transfers. Their refusal to follow Regulation E has left my account unprotected.

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 2026-03-03 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: VA

Complaint narrative:
Two months ago, Mohela started saying I was delinquent on payments, even though I have direct debit and have been paying consistently for years. When I called to ask about this, they told me it was a mistake with their system and that they'd fix it. I've had to call XXXX times over the last several weeks, and they keep insisting they're going to fix it. But it keeps showing up as I'm delinquent. And it's been reported to the student loan forgiveness program, which I'm counting on for forgiveness in a few months. I'm very frustrated. I just want this problem fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
My phone was stolen and whoever stole it was able to get in and XXXX XXXX XXXX dollars out my account and Chime denied my claim when I did everything right and they still refuse to give me my money and yes I have the police report Im just embarrassed to sent to them because what all happened in the process of my phone being stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Request in case # XXXX that documentation shows where this was a commuicated change in interest rate from Capital One purchase of XXXX. My bill charge jumped up close to {$100.00} more. Per the original case XX/XX/XXXX compliant, on XX/XX/XXXX Capital one response was again that they mailed the documentation on XX/XX/XXXX ( when I haven't received nor is it documented in the documents that a letter was mailed. Now per XX/XX/XXXX not only was it mailed but it was " delivered '' on XX/XX/XXXX. I am asking Capital One to upload this documentation of receipt. I have had informed deliver with the United States Post Office since XXXX ; therefore, any mail or package is taken a picture of and uploaded within my account so I can visibly see my mail for the entire home whether mine, husband or daughter. Looking for to the confirmation receipt showing " delivered '' as stated in the letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: EdFinancial Services
State: NY

Complaint narrative:
I do not have any information about a student loan. I never applied to that college.

Company response to consumer: Closed with explanation