vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLIANT CREDIT UNION
State: MS

Complaint narrative:
I am filing a complaint against Alliant Credit Union regarding an unresolved issue involving deposited funds, an account restriction, and a lack of transparency. On or around XX/XX/year>, I deposited a {$250.00} third-party check into my account. The check cleared successfully. On or around XX/XX/year>, I deposited another check. Instead of the funds being made available as expected, my account was unexpectedly restricted without a clear explanation. Since that time, I have contacted Alliant Credit Union multiple times seeking clarification and resolution. I have received inconsistent information and have not been provided with clear answers regarding the status of my funds. After repeated attempts, I was eventually informed by a representative that the funds would be returned to the issuing bank. However, as of today, approximately 22 days later, the funds have still not been returned, and no confirmation, timeline, or supporting documentation has been provided. I contacted the credit union again today and was told that someone from the banking department would return my call, but I have not received any follow-up communication. Additionally, Alliant Credit Union has failed to provide any documentation, transaction trace number, or proof that the funds have been returned. The issuing bank has confirmed that they have not received the funds. This delay is unreasonable. The lack of communication, failure to provide documentation, and inability to account for the location of the funds raise serious concerns about the handling of my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 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: NC

Complaint narrative:
On XX/XX/XXXX thru XX/XX/XXXX. Someone had hacked into my Chime Financial mobile app and my computer on line banking as well. With in that time period I had fraudulent charges made on my debit card and also all of my savings and checking account funds stolen and transferred into a XXXX XXXXXXXX XXXX unknown account .. this account was not mine. I had submitted the claims equaling up to {$13000.00}. Chime had asked me to upload documentation and a Police report to their portal, so I did. Chime did no investigation at all because as soon as I called the fraud dept to find out if they received all of my documentation, they said yes, but told me the transactions were denied by them. Again they did not investigate anything. they told me what they wanted to tell me in order for my to give up the process. The company was very rude to me on the phone and the fraud dept hung up on my several times. Again I sent them all of the information that they requested and nothing positive happened from that. I'm very disappointed in how they treated me and how they did nothing to help me. They should of issued me temporary credit until there investigation was completed, and that should be on average of 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I am a victim of wire fraud involving unauthorized transfers from my account at XXXXXXXX XXXX to accounts held at PNC Bank between XX/XX/XXXX. I reported the fraud to XXXX immediately, and the District Attorney opened an investigation and froze the receiving accounts ; however, the funds were ultimately depleted. XXXX initiated multiple wire recall requests to PNC shortly after the fraud was identified. According to XXXX, PNC failed to respond or act in a timely manner to these repeated requests, which significantly impacted the ability to recover the stolen funds. The recall attempts included : Wire dated XX/XX/XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite these repeated recall attempts over several weeks, PNC did not provide timely responses or take meaningful action to assist in recovering the funds. When I contacted PNC directly, I was told that I am not an authorized signer on the account and that no information could be provided. I was redirected back to XXXX without assistance. Additionally, PNC previously closed my complaint without addressing the substance of the issue, and has continued delaying and failing to cooperate with the District Attorneys investigation, further hindering recovery efforts. For additional context, XXXX provided the name of the beneficiary account holder ( XXXX XXXX ) and instructed me to attempt contact directly, which is inappropriate and unsafe for a fraud victim. Despite all efforts, I have been unable to recover my funds due to lack of coordination and responsiveness from PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: OK

Complaint narrative:
I had a cash app account and they closed it for I don't know why there was no kind of weird or no activity on there that was wrong I also had money they won't give me. O want my money back and I don't care to have there service anymore specially having to deal w this like this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
We made our payment every month on time. The mortgage company changed our payment amount in XXXX and never notified us. We have never missed payment. We did not sign up for electronic notification. They never sent any notifications of change, late payments, missed payments, etc. Date Amount Description Remaining Balance Payment Cancel XX/XX/2026 {$170.00} Late Charge Waived {$410000.00} XX/XX/2026 {$1900.00} Payment {$410000.00} XX/XX/2026 {$1900.00} Posted to Suspense {$410000.00} XX/XX/2026 {$140.00} Payment {$410000.00} XX/XX/2026 - {$2000.00} Posted to Suspense {$410000.00} XX/XX/2026 {$0.00} Fee Assessed- Click the plus sign ( + ) to get details tied to the transaction {$410000.00} XX/XX/2026 {$2000.00} Payment {$410000.00} XX/XX/2026 {$2000.00} Posted to Suspense {$410000.00} XX/XX/2026 {$70.00} Payment {$410000.00} XX/XX/2026 - {$2100.00} Posted to Suspense {$410000.00} XX/XX/2026 {$0.00} Fee Assessed- Click the plus sign ( + ) to get details tied to the transaction {$410000.00} XX/XX/2026 {$2100.00} Funds Received {$410000.00} XX/XX/2026 {$2100.00} Posted to Suspense {$410000.00} XX/XX/2026 {$2100.00} Payment {$410000.00}

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 2026-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
XXXX XXXX. : XXXX Servicer : XXXX XXXX/ Rocket Mortgage Program : XXXX Mortgage DeedinLieu My name is XXXX XXXX XXXX XXXX XXXX ), and I am submitting this formal complaint regarding the failure to issue a {$1500.00} cashforkeys payment promised in connection with a completed DeedinLieu of Foreclosure under a VAbacked mortgage serviced by Mr. Cooper and administered through Rocket Mortgage. Background and Timeline The XXXX was approved and processed after extensive coordination with Mr. Cooper and Rocket Mortgage. On XX/XX/year>, Rocket Mortgage ( Collateral Liquidation ) confirmed in writing that I was eligible for the {$1500.00} cashforkeys payment, and I signed the revised cover letter reflecting this amount. I executed all required documents, complied with XXXX requirements, maintained the property, paid utilities and XXXX dues through closing, and vacated the property as required. County records reflect that the property transfer was finalized in late XX/XX/year>, and the loan was closed and removed from my credit report shortly thereafter. Payment Issues and Address Confirmation On XX/XX/year>, Rocket Mortgage advised that the initial check was mistakenly set to be mailed to my old address, which was no longer valid. I immediately notified the servicer that the old address was no longer mine and confirmed my correct and current mailing address as : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Rocket Mortgage acknowledged the error and stated in writing that : The original check would be cancelled, and A new check would be reissued to my current address, with an estimated timeframe of XXXX days. Failure to Deliver Payment Despite repeated followups on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, I have : Not received the {$1500.00} payment Not been provided any confirmation, tracking number, or proof of mailing Received only vague assurances that the issue would be checked with payment processing, with no resolution or timeline As of today, well over a month has passed since the reissuance was promised, and more than two months have passed since the deed transfer was completed. This delay is unreasonable, unjustified, and inconsistent with the written representations made by the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # v is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

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 2026-04-06 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: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Reel Time Capital LLC
State: OH

Complaint narrative:
On Monday XXXX XXXX XXXX my father called to inform me of an unavailable number calling and leaving a voice message which goes as follows according to the transcript " my name is XXXX XXXX reaching out to you in regards to a claim that's in the process of being filed in to the county, we have reached out over the last few days, and all courses have been ignored. At this point, they are intending on proceeding with the order of location for ( My Name ), there to your residents. Understand that they do still have the right to contact the office handling their claim. Prior to the order of location being released once the claim is discharged from their office that is no longer an option. The phone number provided to me for their office directly is XXXX and the claim number that needs to be referenced to is the letter XXXX ( referencenumber ). This is considered notification by telephone and ( my name ) will be located there at your residence unless I am instructed otherwise. I called the number that was left and they stated that they would be taking me to court due to breach of contract, passing a bad electronic check, and deceiving a financial institution. The information they had on my account was accurate and I called the company that I had originally received the loan from to verify that they had sold the dept to a collection agency. This was confirmed and I was informed that my debt was sold to XXXX XXXX XXXX XXXX XXXX whom had not contacted me in any way to discuss my debt before taking the actions im writing about today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: NM

Complaint narrative:
I noticed that multiple payments that I made in XXXX were not reflected in my account nor applied to my loans. The total from the payments made was {$5500.00}. I called Mohela in XXXX of XXXX to inquire why they were missing and did not get an answer. In XXXX submitted all the email confirmations I received in XXXX of making the payments, and then in XXXX of XXXX I also submitted bank statments highlighting the payments that were made to the Department of Education. I have called them three times since submitting those bank payments and each time I am told it is still being reviewed and I need to wait another 10 business days. I would like to pay off a good chunk of my loan and also consolidate the loan, but I want these missing payments to be applied first.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I reported my physical credit card as lost/stolen to Bank of America XXXX XXXX same day I discovered it was missing, and the card was immediately blocked. Despite my prompt report, an unauthorized XXXX XXXX transaction for approximately {$1300.00} was charged to the card. Bank of America initially issued a provisional credit but reversed it within one day and denied my fraud claim without providing sufficient explanation or evidence. Because the card was reported lost and blocked immediately, I dispute any liability for this charge and request a full reinvestigation, a written explanation of the denial, and all supporting merchant 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 monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC
State: WA

Complaint narrative:
XXXX/Mariner finance is refusing to process a fraud claim unless I appear in person, despite my documented XXXX disability. They are ignoring my requests for ADA accommodations and continuing to harass me via phone after being told to use email. XXXX of them even acknowledged my inability to come in and yet still requested me to come in. This is a clear statement ignoring reasonable accommodations under the ADA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IN

Complaint narrative:
Student Loans handled through Mohela. School loans were taken out for TUITION ONLY from XXXX XXXX XXXX. They were parent plus loans. They are showing on the parent loans and then another XXXX is showing on my name. I never took those out. It looks like either fraud or Mohela double distrusted loans. I've been paying on the loans that I thought were mine for the past 2+ years. Now they're telling me those loans weren't even mine? I've been waiting for a call back from a " supervisor '' after being on the phone with representatives for an hour and 17 minutes attempting to get this resolved. Legal actions have been taken as well. No call back and no guidance on what to do next and where my payments have been going and why there's an extra XXXX tacked onto my name.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was notified by my mortgage company of a lien on my property placed by this company. I requested a payoff letter of the debt via phone on XX/XX/XXXX the number i spoke with a rep on was XXXX. On XX/XX/XXXX I phoned the office again the agent provided me the email address XXXX and verbiage to use to request the payoff letter I sent the email and received a response that my request was received and the letter would be received in 1-2 business days. I phoned XXXX on XX/XX/XXXX and spoke with a rep they advised they received the request and to send another email to XXXX. I received a response from that email acknowledging my request and to allow 1-2 business days. On XX/XX/XXXX I called the office in which i was placed on hold for XXXX. I sent a follow up email on XX/XX/XXXX inquiring why I still hadnt received the payoff request letter. I received a response on XX/XX/XXXX advising my request was received. To date I have not received the requested payoff letter of the debt showing the balance owed in order for t he lien to be removed from my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: NY

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX dollars was sent to my account. Im not aware of this XXXX transaction, The transaction was disputed from the person that sent the money which leaves my account in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
The amount was paid on XX/XX/year> XXXX XXXX writing to have it removed off my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My CPA entered the wrong Bank of America routing number for my tax refund last yeareven though it was still a BofA routing numberso I never received the funds. The account number and name were accurate. The federal refund was in the amount of {$2300.00} and was initiated by the IRS on XX/XX/year>. Key Problems The IRS has tried tracing the money, asking BofA multiple times for a response, but got nothing back. They gave me a XXXX trace number ( XXXX ) which I provided to BofA on XXXX separate occasions, yet the bank now says they can't trace it. The IRS meanwhile has not received a response, nor have they received the funds that would presumably have been sent to BofA. I have tried to escalate at BofA by calling XXXX, demanding a supervisor or ACH team transfer. Having no luck, I am now filing this CFPB complaint.

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 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: TX

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation