vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: MO

Complaint narrative:
Chime advertised {$200.00} in free overdraft protection and only gives {$20.00} in protection. False advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
I went to XXXX XXXX Bank to get {$250.00} out and they have a service fee of {$2.00} so when I went to put my card in for the XX/XX/XXXX transaction, it spit out a receipt saying denied and then the XX/XX/XXXX withdraw, it spit out another receipt saying insignificant funds. So between those XXXX transactions the money disappeared WHERE??

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I refinanced through XXXX XXXX XXXX with Rocket Mortgage providing underwriting and closing support. I was promised a 21 buydown and repeatedly told before closing that the buydown was still included and that the 5.5 % paperwork was not an issue. I relied on these statements when signing. Rocket has since confirmed in writing that the buydown was originally included, then removed on XX/XX/XXXX, and the buydown funds ( {$7100.00} ) were reallocated without my knowledge or consent. I was never notified of this change and did not receive a revised Loan Estimate, revised Closing Disclosure, or any redisclosure showing the removal of the buydown or the restructuring of the loan. My original loan balance was {$310000.00} at 6.24 %. My new loan is {$320000.00} at 5.5 %, which is a {$17000.00} increase in principal. The loan terms transferred to servicing were not the terms I agreed to or believed I was signing based on the information provided to me. I submitted a Notice of Error to Rocket Mortgage. They refused to treat this as a servicing error despite misapplied funds, incorrect terms transferred to servicing, and missing redisclosures. They offered {$2400.00}, and XXXX XXXX offered {$4600.00}, which does not address the financial harm or correct the loan. I am requesting that Rocket Mortgage be required to : 1. Provide documentation of all redisclosures they claim were sent ; 2. Provide a full accounting of the buydown funds ; 3. Correct the loan to reflect the terms I was promised, or provide full compensation for the financial impact. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XXXX XXXX XXXX, I attempted to withdraw {$1000.00} from a XXXX XXXX XXXX ATM located on XXXX XXXX in XXXXXXXX XXXX During the transaction, the ATM made noise as if it was preparing to dispense cash, but it stopped, returned my card, and displayed an error message stating unable to dispense cash. No cash was received, and no receipt was printed.Despite the failed transaction, my account with Navy Federal Credit Union was debited {$1000.00}, which includes the {$1000.00} withdrawal and ATM fee. I immediately filed a dispute on the same day. However, more than 10 business days have passed, and I have not received provisional credit or a clear explanation for the delay. I was informed I must wait up to 45 days for the investigation without receiving temporary credit.This is a failed ATM withdrawal where funds were removed but not dispensed. I am requesting immediate provisional credit of {$1000.00} and a full investigation into the ATM malfunction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
On XX/XX/year>, my Wells Fargo account was compromised without my authorization. During this incident, an unauthorized recipient was added and a transfer of {$950.00}, along with a {$25.00} associated fee, was initiated from my account. Multiple additional unauthorized transactions occurred during the same timeframe. I reported the fraud to Wells Fargo immediately. The bank secured my account, closed the compromised account, and issued provisional credit for several of the smaller unauthorized debit transactions, confirming that fraudulent activity occurred. However, on XX/XX/year>, I received notice that my claim for the {$950.00} transfer was denied, with the bank classifying the transaction as authorized. I dispute this determination. The transaction occurred as part of a broader account takeover, not as an authorized transfer. I did not knowingly approve or intend to send these funds. The same incident included multiple unauthorized actions, which Wells Fargo has already acknowledged by issuing provisional credit for other transactions from that day. I am requesting that Wells Fargo conduct a formal review of this claim as an unauthorized account access incident and reverse the denial and closure. I also request a clear, written explanation of how this transaction was determined to be authorized despite the confirmed account compromise.

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 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
In early XXXX XXXX I signed up to sell some items on XXXX. Within minutes, I was sent various emails for setting up/verifying my account. What I know now, is a company calling themselves XXXX XXXX was posing as a XXXX identity verification representative. I was walked through what appeared to be a legitimate verification process, including a face scan. I was then directed to PayPal and told they would be making a deposit into my Paypal account to verify my bank info. I used Paypal to avoid using my own bank account information. When the scammer asked me for the verification code PayPal sent to my phone, I realized I was being scammed. At the same moment, PayPal sent me a prompt asking me to verify the transaction I selected NO. Despite my explicit refusal, a {$500.00} transaction was processed and IT WASN'T A DEPOSIT, it was a transaction payable to XXXX XXXX ( XXXX ). I immediately contacted PayPal and reported the transaction as fraudulent. PayPal denied my claim twice. The first denial stated it was not fraud. I appealed, and the claim category was changed to " no goods received. '' That appeal was denied within 4 minutes of the status change, citing that the transaction was " ineligible for PayPal Purchase Protection '' per their User Agreement. PayPal has not explained how a {$500.00} transaction processed after I actively declined their own verification prompt. I received no goods or services. I am requesting a full refund of {$500.00} and a review of how this transaction was approved despite my real-time refusal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Movement Mortgage LLC
State: NC

Complaint narrative:
b'Complaint Against Mortgage Servicer Unreasonable Delay in Assumption Processing\n\nI am submitting this complaint regarding an excessive and unreasonable delay in processing my mortgage assumption request by Movement Mortgage Servicing \n\nSummary of the Issue:I initiated a mortgage assumption request on or about XXXX As of today, more than 12 months have passed, and my request remains unresolved. During this time, the company has repeatedly requested documentation, failed to provide clear or consistent communication, and has not given a valid explanation for the prolonged delay.\n\nKey Concerns:\n\nThe assumption process has exceeded one year without resolution.\n\nThe company has conducted three separate credit checks, which appears excessive and unjustified for a single transaction.\n\nI have made multiple attempts to obtain updates, yet responses have been delayed, vague, or non-substantive.\n\nNo clear timeline, decision, or reason for delay has been provided.\n\nImpact:This delay has caused significant inconvenience, uncertainty, and potential harm to my credit due to repeated inquiries. It has also interfered with my ability to make informed financial decisions and move forward with my housing situation.\n\nRequested Resolution:I am requesting that Movement Mortgage servicing \n\nProvide a clear and immediate update on the status of my mortgage assumption.\n\nExpedite and finalize the assumption process without further unnecessary delay.\n\nProvide a written explanation for the excessive timeline and repeated credit inquiries.\n\nConfirm that no further credit checks will be conducted without my explicit authorization.\n\nCorrect or remove any unjustified credit inquiries if deemed inappropriate.\n\nI expect a prompt and substantive response in compliance with applicable federal servicing standards.\n\nTimeline of Events (Summary):\nXXXX Initial assumption request submitted\n\nXXXX: First follow-up / documents provided\n\XXXX: Credit check XXXX Credit check XXXX: Credit check XXXX XXXX XXXX : Additional follow-ups and communications\n\n[Current Status]: Still pending with no resolution\n\nI am prepared to provide supporting documentation upon request.\n\nSincerely,\XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

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 non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.

Complaint narrative:
I disputed this debt with National Credit Systems on XXXX XXXX XXXX Despite this, the account was reported to credit bureaus without being marked as disputed. Additionally, the debt itself is incorrect. I terminated my lease per agreement and paid all required early termination charges, including lease breakage and additional amounts. The remaining balance results from reversal of agreed charges after settlement. The unit was re-rented shortly after move-out, and the balance does not reflect mitigation of damages. I request correction or deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Received Email to redeem points if purchased over a certain amount. Used that email link and my credit card ( Capital One ) to make the qualifying purchase. Never received the points and emailed asking what happened, No Response. Proof of purchase from web site XX/XX/XXXX XXXX {$160.00} Merchandise

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 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: CITIBANK, N.A.
State: GA

Complaint narrative:
RE : Formal Complaint Against Citibank , N.A . for Failure to Comply with Georgia Fair Business Practices Act ( O.C.G.A. 10-1-393 ( b ) ( 2 ), ( 5 ), ( 7 ) ) and Improper Closure of Billing Dispute To Whom It May Concern, I have been a Citibank , N.A . credit card holder in good standing for more than XXXX years. I am writing to file a formal complaint against Citibank , N.A . ( " Citi '' ), located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, regarding their failure to adequately investigate and resolve a billing dispute involving deceptive practices related to the misrepresentation of digital goods and services. XXXX handling of this matter constitutes a violation of Georgias Fair Business Practices Act ( O.C.G.A. 10-1-393 ( b ) ( 2 ), ( 5 ), ( 7 ) ) as well as federal consumer protection standards under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. Citibank , N.A . is trying to bully me into paying for services and digital products delivered that did not align with the Scope of Work described in Invoice XXXX for {$400.00}. They allow their Staff and Supervisors to yell at customers, hang up on them, be disrespectful, infer that we are liars, and call it Citibank , N.A . Best Practices. Their Billing Dispute Resolution Practices constitute unfair schemes and violate the Truth in Lending Act ( TILA ), as implemented by Regulation Z.

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 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX tried to sue me out of a Court that had no jurisdiction. ( XXXX XXXX XXXX XXXX ) Even though my legal mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I do not reside in the city or a town Continguous to this Court. The case was thrown out because of this. My residence is in the town of XXXX XXXX. XXXXXXXX XXXX XXXX then refiled this case along with another in the Supreme Court. I did not know there was a case cases against me till I received from the court that this happened. When I looked it up online a process server claims he served me on XXXX or XXXX XXXX That was impossible as me & my whole family were in the state of XXXX visiting our XXXX XXXX. The house was completely vacant at that time. The server also claims he sent this to a mailing address of XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXXXXXX. Again this ewas never received as there is no such address!

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 2026-04-24 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: MT

Complaint narrative:
On XXXX XXXX XXXX a one time payment of {$1600.00} was made over the phone to my loan servicer Mohela. It was never applied to my account and I have submitted all requested documentation to prove that it was paid and cleared the account the next day. My father and I have tried calling numerous times and sent plenty of emails with no resolve to the situation. It has now been over 90 days since this has happened. When asked for a time frame, the only response is there isnt one. This situation has been expedited with Mohela on several occasions and we still have no idea where our money went. Please help!

Company response to consumer: Untimely response
Consumer complaint received 2026-04-24 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: IL

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 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
STATUTORY JURISDICTION & MANDATE Pursuant to 12 U.S.C. 5481, I am invoking the statutory protections of the Consumer Financial Protection Act. Under 12 U.S.C. 5511, the CFPB is mandated to ensure that providers of consumer financial products, including Credit Reporting Agencies ( CRAs ), comply with Federal consumer financial law. I am documenting a terminal breach of duty by Credit Bureaus regarding my consumer file. II. PROCEDURAL HISTORY : EXHAUSTION OF REMEDIES I have completed four ( 4 ) consecutive rounds of formal disputes and the investigation has reached a Terminal State of Non-Verification. Despite four formal notices, the CRA has failed to provide a Method of Verification ( MOV ) as required by 15 U.S.C. 1681i ( a ) ( 7 ) or competent evidentiary matter proving the accuracy of the accounts. III. ENUMERATED VIOLATIONS REQUIRING ENFORCEMENT Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : The statute dictates that if information " can not be verified '' after a reinvestigation, the agency " shall '' promptly delete the item. Violation of 15 U.S.C. 1681e ( b ) : failed to follow reasonable procedures to assure maximum possible accuracy. Maintaining unverified derogatory data on my report is a negligent breach of this standard. Violation of 15 U.S.C. 1681n : The bureaus continued reporting after being notified of the lack of evidentiary proof constitutes willful non-compliance, for which the bureau is liable for punitive damages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Bank sent a transaction back when the account had money in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I applied and received a XXXX XXXX XXXX from Citi in XX/XX/year> with a {$25000.00} limit. We travel often and it is not unusual to hit {$25000.00} in purchases a couple of times a year so shortly after receiving the card I requested a credit increase to {$40000.00} which was denied ( later discovered I had a {$340.00} charge from an apartment complex on a lease I guaranteed for one of my children a couple years ago - that has now been rectified and I'll reapply for higher credit line shortly ). In late XXXX, we booked a family trip to XXXX and also paid a final cruise payment. These two events pushed us to the max on the card and it got declined on XX/XX/XXXX when we tried to charge a dinner out. The next day ( XX/XX/XXXX ), I went on-line and made an ACH payment from my bank to Citi for {$20000.00} so the card would not be maxed out and I would be able to use it. My bank records show this money going to Citi on XX/XX/XXXX. On XX/XX/XXXX I tried using the card for some groceries and it got declined. We were going to dinner with clients on XX/XX/XXXX and I did not want to have the card declined so I went on line to check my account only to find the account showed a zero balance due but no credit available. I called Citi and spoke with an account rep ( XXXX ) who told me my payment had been put on hold for security reasons and that it would clear in a few days or we could call my bank together and have them clear it. I advised the money had already been cleared by my bank and that in fact it had been sent to Citi to five days ago and he simply said they still had to wait for it to clear. I asked why they had not notified me of this hold and he responded he did not know but was sorry. We did try to call my personal banker but she did not pick up and we could not transfer out of her voicemail. I appreciate security protocols and in this case it was a large payment from a relatively new customer. However, since they did in fact have my money from my bank why would they not give me use of my card. If the money was on hold and still sitting in my bank account that's one thing but since they already had it that seems odd. Either way, they should have at least called me or emailed me to advise me that even though I thought the card was paid down and had available credit it actually did not given the hold they had on my payment. Shouldn't this be a common procedure and courtesy to customers holding one of their highest level cards and paying an annual fee of {$590.00}? They have since released payment and I once again have a functioning card but would appreciate it if their business practices were modified to give customers timely communication when they do something like 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