vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had 3 unauthorized charges on my account on XX/XX/year> for {$21.00}, XX/XX/year> for {$19.00}, and on XX/XX/year> for {$21.00} all for a AI chat subscription. These charges are all for billing addresses in different states that I do not and have never lived in and the emails associated with the purchases are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am a small business owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA ). On XX/XX/XXXX a guest completed a full 7-night stay and used all of our amenities. She then initiated a Visa chargeback on XX/XX/XXXX under Reason Code 13.3 ( Services Not as Described/Defective ) for the {$5300.00} payment ( XXXX Case # XXXX ). The guest never requested cancellation or refund during or after the stay. I submitted a comprehensive evidence packet through XXXX on XX/XX/XXXX, including twice-signed rental agreements with clear no-refund clauses, communication logs and camera footage proving full occupancy and zero cancellation contact, photos/service logs rebutting every claim, documentation of extra services provided, and guest acknowledgments. Despite this, Chase ( as issuer ) approved the chargeback in Pre-Arbitration on XX/XX/XXXX, stating I only provided proof of transaction along with their terms and conditions which bears no relevance on the claim under 13.3. This is factually incorrect and shows the evidence was not properly reviewed. This led to XXXX debiting my Chase business account ~ {$5200.00}. I have repeatedly asked Chase for a proper explanation or reversal. Chases claims department ignored my formal second review request ( XX/XX/XXXX ), hung up on calls, and gave no substantive justification. After filing CFPB complaint # XXXX, I spoke with Chase XXXX XXXX representative XXXX on XX/XX/XXXX. She invited a second revision and provided the XXXX office email. I sent a detailed request on XX/XX/XXXX ( attached ) with a full error analysis of the Pre-Arbitration decision and all prior evidence. On XX/XX/XXXX Chase XXXX XXXX responded ( attached ) but again deflected : they reframed the entire matter as a XXXX Business Corporate Cash Disbursement ( CCD ) ACH transaction, claimed they contacted XXXX bank but were rejected due to a contractual agreement, and said they have no authority to reverse. They completely ignored my explicit clarification that the root issue is Chases Visa issuer mishandling ( factual errors, failure to consider compelling evidence under Reason Code 13.3, lack of justification ), not the resulting ACH debit. This is the third time Chase has mischaracterized the dispute as an ACHXXXX issue instead of addressing the Visa chargeback errors and their own review failures. Regulation Z and the Fair Credit Billing Act require issuers to conduct a reasonable investigation and consider merchant evidence. Chase has not done so. Attachments : 1. My XX/XX/XXXX XXXX XXXX email with detailed error analysis 2. Chases XX/XX/XXXX XXXX XXXX response 3. Chase Pre-Arbitration decision report ( showing the erroneous statement ) 4. My XX/XX/XXXX second review letter and full evidence packet

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: PA

Complaint narrative:
On XX/XX/year>, I went to take {$160.00} out at the atm. It deducted the amount from my account but did not give me any cash.I filed a dispute on XXXX XXXX with my bank, Chime. I have heard nothing and still have not gotten my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC loan officer -XXXX marketed on XXXX, XXXX is unapproved social media, run by a XXXX company. PNC management warned loan officers several times that no loan agent is allowed to market on XXXX group, If XXXX is allowed, this is discrimination to other PNC loan officers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
My credit card was charged XXXX for a product from a company called XXXX XXXX XXXX. This company has not delivered said product to the individual that made the purchase on my card. I was charged on MY card for a product that was never delivered. I tried to file a dispute that I didnt authorize the purchase because I originally did not know that my card was being charged this much, but I did some investigating of my own and figured out how and when the card was charged. I tried investigating to see if I could get an invoice about what was purchased and wanted verification of delivery and the company XXXX XXXX is an XXXX XXXX company, had I know that i never would have allowed the purchase. I tried getting ahold of the so called company and they are not getting back to me. Apple has not done anything for me to resolve the issue and they are refusing to remove the charge from my card and they are now reporting my card as delinquent in the credit bureau and I pay all of my bills and now going to clave late payments reported to my credit report because Apple is not helping me to remove the charge. I have paid back every dollar to Apple Card that I have ever charged on that card, except for this one as I am certain is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My XXXX account was hacked in XXXX they hacked my account paid off the remaining balance on my phone with my account since they were able to eswipe my phone after they had access to my XXXX account I was a victim of identity theft. They refused to fix my bill said I couldnt put my phone back on payment plan balance was due in full even though I didnt authorize this payment plan or these charges I have a police report that includes that my XXXX account was compromised my bill was sent to experian they denied to take it off my account even though it was fraudulent and it dropped my score XXXX points if you request previous bills they do not match up with my bills from when my account was hacked there were even data roaming charges since the hackers were in the XXXX 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 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX, I canceled my purchase with carvana and hour after I submitted the information for the purchase. I was pre-approved and a down payment and shipping fee was charged before official approval. Things weren't going to work out with carvana so I canceled the order an hour after placing it which means I canceled it within the XXXX hour window for refund of down payment abd shipping cost. On XX/XX/XXXX, carvana took the down payment and shipping fees out of my bank account even though the order was canceled. I have demanded a refund with carvana and I have still yet to get my refund. I should have my refund by now as of XX/XX/XXXX, the down payment and shipping fee was cleared and posted by my bank. Below is a strong formal complaint you can send to Carvana, the XXXX XXXX XXXX XXXX XXXX XXXX, your bank, or your state Attorney General. I structured it professionally so it carries more weight and clearly shows the timeline and policy issue. Formal Complaint Refund Request for Canceled Carvana Purchase Date : XX/XX/XXXX Customer Name : XXXX XXXX XXXX Subject : Immediate Refund Request for Down Payment and Shipping Fee Canceled Carvana Order To Whom It XXXX Concern, I am writing to formally file a complaint regarding a canceled vehicle purchase with Carvana and the failure to promptly return my funds. On XX/XX/XXXX, I began the process of purchasing a vehicle through Carvana after receiving a pre-approval. During the process, a down payment and shipping fee were charged to my bank account before final approval was completed. Shortly afterward, I determined that the purchase would not work out and canceled the order approximately XXXX hour after submitting the information. Because the order was canceled well within Carvanas XXXX cancellation window, the down payment and shipping fees should have been refunded promptly. However, on XX/XX/XXXX, Carvana still processed and withdrew the down payment and shipping fees from my bank account, despite the order already being canceled. As of today, the funds have fully cleared and posted with my bank, yet I have not received a refund. I have contacted Carvana requesting the return of my money and have repeatedly been told that refunds take XXXX business days. This timeframe is unacceptable given that : The order was canceled within the permitted timeframe. The vehicle was never delivered. The funds were already withdrawn and cleared from my bank account. Holding my money for an extended period after a timely cancellation is unreasonable and creates an unnecessary financial burden. Therefore, I am formally requesting the immediate refund of my down payment and shipping fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint narrative:
Subject : Escalation of Closed Complaint # XXXX Failure to Return Fraudulent Wire Transfer Despite Full Indemnification & Bad Faith Conduct ( Fifth Third Bank ) To the Consumer Financial Protection Bureau ( CFPB ), I am filing this escalated complaint against Fifth Third Bank, N.A. ( XXXX, OH ). This is a direct follow-up to my previous complaint, Reference Number XXXX, which was submitted on XX/XX/XXXX, under the issue of " Fraud or scam '' regarding a money transfer. That initial complaint was closed, but the core issue remains completely unresolved, and we now possess definitive banking records proving Fifth Third Bank 's negligence. Incident Details : Sender : XXXX XXXX XXXX XXXX ( XXXX ) Originating Bank XXXX XXXX XXXX XXXX XXXX Correspondent Bank : XXXX XXXX XXXX XXXX Beneficiary Bank : Fifth Third Bank, N.A. Beneficiary Account : XXXX ( XXXX XXXX ) Date of Wire : XX/XX/XXXX Amount : {$50000.00} USD Summary of Events : On XX/XX/XXXX, our company was the victim of a business email compromise ( hacker identity theft ), resulting in an erroneous wire transfer of {$50000.00} to the aforementioned Fifth Third Bank account. Our bank, XXXX XXXX, promptly notified XXXX XXXX XXXX and Fifth Third Bank via XXXX on XX/XX/XXXX, requesting a recall and freeze of the funds. Fifth Third Bank subsequently requested a " Hold Harmless '' ( Indemnity ) letter to be sent to their back-office email ( XXXX ) as a condition for returning the funds. Our bank complied and successfully transmitted the required Hold Harmless letter to that exact email address on XX/XX/XXXX. The Core Issue & Bad Faith Conduct : Despite possessing full knowledge of the fraud and holding our banks indemnification since XX/XX/XXXX, Fifth Third Bank has failed to return the funds. Inexplicably, on XX/XX/XXXX, they issued a XXXX message threatening that " failure to submit [ the Hold Harmless ] within 5 days may result in the release of funds '' to the fraudulent beneficiarycompletely ignoring the fact that the document was already submitted to their requested inbox. Following this, our bank sent the letter again on XX/XX/XXXX. It strongly appears that Fifth Third Bank is acting in bad faith. They are deliberately ignoring the indemnification documents provided to their exact specified email address, while leveraging bureaucratic delays to threaten the release of stolen funds to a known fraudulent account. This goes beyond mere administrative incompetence and constitutes a severe breach of standard banking practices and duty of care. Desired Resolution : We request that the CFPB reopen this matter and compel Fifth Third Bank to immediately review the Hold Harmless letters sent to them on XX/XX/XXXX, and XX/XX/XXXX. They must execute the return of the {$50000.00} without further delay, preventing the unjust enrichment of a fraudulent acto

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
chase took over my mortgage and did not pay my insurance with XXXX insurance despite being sent a notice, I also informed chase and obie of the change in servicing even tho it is not my job its Chase 's job and they have NOT PAID MY INSURANCE! so they need to compensate me for all this extra work for doing thier job and they need to pay my insurance and they are liable if anything happens while im uninsured because this is pure negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — Conventional home 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: Selene Holdings LLC
State: MN

Complaint narrative:
I sent a certified letter regarding the extreme increase in my monthly payments. In less than XXXX years its gone up {$510.00} a month.the actual increase should have only been a little over {$100.00} based on property taxes and insurance yhat ove obtained. I should have gotten, based on federal law, a response from selene within XXXX days if having received my certified letter and XXXX days to resolve this matter. As of XX/XX/year> if gotten XXXX response from selene.furthermore, theres been a {$20.00} fee added on to my monthly payment that's unauthorized and my mortgage statements have not been given each month. However I recieve envelopes with only envelopes inside.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
I deposited a paper check is received from XXXX finance loan company. The bank closed my savings account 3 days after that. The bank still hasn't given me my XXXX I had in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Because my new XXXX XXXX card, backed by Comenity/Bread, failed to arrive as promised before a months-long trip overseas, I requested that the card be cancelled, which occurred XXXX XX/XX/year>. Then came over a month of secure messages and telephone calls to redeem my {$10.00} in rewards. Both the website and the app had pop-up windows stating that there were technical issues preventing redemption ( its not you, its us ) XXXX When I called, the phone agent stated that redemption can not be performed over the phone. For over a month, I tried to redeem my rewards, but with the secure messaging response time of XXXX hours each message, it seemed that Comenitys plan was to run out the clock on the XXXX window to redeem rewards after account closure ( which is what happened ). I provided all the information requested by them ( screenshots of inability to redeem rewards online ), yet they consistently stalled and failed to act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AA Recovery Solutions, Inc.
State: LA

Complaint narrative:
On Friday, XX/XX/XXXX, XXXX XXXX XXXX contacted my father who is not a authorized representative on this debt and never has been, and detailed all the aspects of the debt including the exact type of tires I purchased, the loan company I ordered them thru, the amount, the fact they have " been trying to contact me '' but never once contacted me thru mail or phone they immediately only contact my father, they also released all details of the payments on said debt and when I spoke with what was supposedly the same guy he replied when I requested written documentation with he wasn't playing games with me I could call my father he knows all the details about it if I had any questions and proceeded to hang up the call with me after again threatening to sue me if I did not give them my debit card information and pay the entire debt in full at that moment. XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX : ( XXXX ) XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered several collection accounts that I did not open or authorize. These accounts appear to be the result of identity theft. The accounts currently being reported include XXXX collection accounts from LVNV Funding LLC with balances of approximately {$1100.00} and {$470.00}, and XXXX collection accounts from XXXX XXXX XXXX with balances of approximately {$87.00} and {$120.00} related to XXXX XXXX Cheese. As soon as I became aware of these accounts, I filed an identity theft report with the Federal Trade Commission through XXXX and began disputing the accounts with the credit reporting agencies. Despite reporting the fraud, these accounts continue to appear on my credit report and are negatively affecting my credit. I am requesting that these companies investigate the fraudulent accounts and remove them from my credit file in accordance with the Fair Credit Reporting Act. I have attached my FTC identity theft report and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Lockhart, Morris & Montgomery Inc.
State: SC

Complaint narrative:
I caught up with monthly payments in XXXX loans in XXXX. I never received any more monthly payments so I thought my payments was on good track m I called XXXX loans multiple times they kept saying my months was caught up.m I spoke to many agents so the calls should be recorded that I called. I was told by agent the next bill was due in XXXX. I called in XXXX then another agent said it was closed and sent over to collections. I never received a letter or notice and not even a call. This collection company I believe is a scam they reported on my credit twice never called or sent a letter. They broke the law of never sending me a notification. Plus the previous loan company gave me miss representation from many agents .when I went online my account was open. So it was showing still active. Now after I call in XXXX now it's saying account closed I shouldn't pay over XXXX. Plus the other company is doing fraudulent things on my credit report they are reported twice. I want them to delete it off my account of them breaking the law not giving me a proper notice which is purposely affecting my credit and it's hurting me financially bad and them reporting also twice on my account is illegal .lockhart morris failed to give me notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: CA

Complaint narrative:
I am writing regarding a vehicle I purchased from Carvana. At the time of sale, the vehicle was advertised as having passed Carvanas XXXX point inspection and was represented as being free of accidents and properly maintained. In XX/XX/XXXX, I contacted Carvana regarding numerous mechanical and maintenance issues that should have been identified and addressed during the inspection process. During my phone conversations with Carvana representatives, I was assured that Carvana or its affiliated warranty provider would cover the repairs that were required. The issues identified include, but are not limited to : XXXX tires older than the DOT recommended service life ( over XXXX years old ), which should not have been installed or sold as roadworthy. Dirty or neglected maintenance components including engine air filter, cabin air filter, brake fluid, transmission fluid, and coolant. Worn brake components. Faulty belt tensioner. Fouled spark plugs. Navigation system malfunction, including failure to update maps and inability to download updates. The total cost of the necessary maintenance and repairs is approximately {$7500.00}. Additionally, I later discovered that the vehicle had a prior accident that was not disclosed at the time of sale. This undisclosed accident significantly affects the vehicles value. Carvana representatives acknowledged the issues and verbally agreed that the repairs would be covered. However, despite those assurances, I have not received reimbursement. Because of the undisclosed accident history, the failure of the vehicle to meet the promised inspection standards, and the failure to reimburse the agreed repair costs, I am requesting the following resolution : Full reimbursement of the {$7500.00} in repair and maintenance costs, and compensation for the diminished value caused by the undisclosed accident ; OR A full buyback of the XXXX E Class XXXX Old phone number XXXX

Company response to consumer: Closed with explanation