vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 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: TN

Complaint narrative:
I am filing a complaint regarding Chase Banks handling of fraudulent XXXX XXXX transactions connected to a rental scam. I sent approximately {$2100.00} through multiple XXXX XXXX transactions to an individual who falsely represented themselves as a legitimate landlord. The individual provided fraudulent lease documents, a fake ID, and misleading rental information in order to obtain payment from me under false pretenses. I never received the housing or services that were promised. After discovering the scam, I immediately contacted Chase and filed a claim. I also provided supporting documentation, including screenshots, fraudulent paperwork, and an FTC complaint report. Chase denied the claim on the basis that there were no new devices added to my account and no evidence of account takeover or unauthorized access. However, my complaint is not about device compromise. The payments were induced through fraudulent misrepresentation and deception. I believe Chase improperly classified the matter and failed to adequately investigate the scam itself. I was not initially provided a clear written explanation for the denial, and I was later informed that Chase does not investigate scams. I am requesting that Chase conduct a proper review of these transactions as scam-induced payments/fraudulent misrepresentation and provide a full written explanation of the investigation and denial decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MOHELA
State: PA

Complaint narrative:
I was placed on forbearance due to the XXXX XXXX. I started this process back in late XXXX. Since then, I have had to repeat the process of placing my loans back into forbearance while the injunction was in place every XXXX - 3 months. I was told by countless representatives that I should not have to keep placing my loans back into forbearance while the XXXX plan was in process. In XXXX ( XXXX ) or XXXX ( XXXX ) I placed them back into forbearance. I informed them I was awaiting a pay raise and that is when I would be able to start making my monthly payment of {$650.00}. I was told to inform them when I could begin making payments and my forbearance would be lifted. Fast forward to this past Friday, I received a 90 day delinquency notice of my Experian credit report resulting is XXXX point drop from my score of XXXX to XXXX. I received XXXX singular phone call from XXXX - Now on XX/XX/XXXX that was sent to voicemail due to spam alert from Mohela calling to what I assume to inform me on my delinquency. There was XXXX communication from Mohela that I was missing payments from XXXX - XXXX. I submitted a requested to place me on retroactive administrative forbearance covering the delinquency months and remove all negative credit reporting due to lack of notification and conflicting information provided by representatives. I am waiting up to XXXX business days to receive a call back from a supervisor and my payment date is in XXXX business days and I can not start paying until XXXX or XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding an extremely concerning and mishandled check deposit issue that has caused significant inconvenience, delays, and a serious breach of trust. On XX/XX/XXXX, I deposited a check with Bank of America and was later informed that there was an issue with it. I was told a legal copy of the check would be mailed to me so I could redeposit it. After multiple calls and visits to the branch, I was repeatedly instructed to wait 710 business days. Despite following these instructions, I did not receive anything within that timeframe. After continued delays, I contacted customer service again on XX/XX/XXXX, at which point a new request was made to overnight the legal copy to me. This was especially frustrating given that, during this same period, I was able to open a new savings account ( XX/XX/XXXX ), have it approved ( XX/XX/XXXX ), and even receive a welcome letter by XXXX 27demonstrating that timely mail delivery was clearly possible. By XX/XX/XXXX, having still not received the check copy, I felt I had no choice but to cancel the original check and request a reissue. Later that same day, I finally received the overnight package I had been waiting foronly to discover that it contained a legal copy of someone elses check. This situation is completely unacceptable. Not only did Bank of America fail to deliver my documents in a timely manner, but sending me another customers check represents a serious breach of privacy and raises alarming concerns about the handling of sensitive financial information. It leaves me deeply uneasy about whether my own check may have been sent to the wrong individual. I am extremely disappointed by the lack of accountability, the repeated delays, and the severity of this error.

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 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: PA

Complaint narrative:
Its been approximately 10 months that this has been going on. I spoke with multiple people through chat on chime ( stride bank ) I had told them that I work for multiple people doing home care in their homes and many of them give me a check for things like their medication, groceries, whatever they need. I told them that I was going to be depositing several checks every month due to this. The ones I spoke with said it was fine and they would note my account so that my account didnt get shut down. All the sudden I tried to XXXX XXXX a check and I received an error message saying MOBILE CHECK DEPOSIT IS NOT AVAILABLE, you no longer have access to mobile check deposits due to suspicious activity. If this seems like a mistake, contact member services. I contacted member services and again told them that this was the message I got and I had told them that it wasnt suspicious activity and again explained that I take care of people and they give me checks for the things they need as well as my paychecks. They have said many times they would look into it and Ive never heard a thing from anyone and I still almost a year later I am still unable to deposit these checks. Ive been a member at this bank with this account since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am submitting this complaint regarding a serious failure by Chase Bank to properly investigate and resolve a case of fraud involving my accounts. Despite multiple reports, clear evidence of unauthorized activity, and repeated requests for review, Chase has denied my claim without conducting a full investigation. On XX/XX/XXXX, I received a call from Chase Fraud Detection regarding suspicious activity on my joint debit card. After verifying my identity and theirs, I confirmed the charge was fraudulent. The representative issued a replacement card via standard shipping. I received an email confirming that the compromised card was canceled and that a new card was on the way. On XX/XX/XXXX, I discovered multiple fraudulent ATM withdrawals on my personal checking account on the night of XX/XX/year>. After contacting the fraud department and filing an additional fraud report, I was informed that Chase had issued a second debit card during the XX/XX/XXXX phone call, a card I never authorized, never requested, and never received. This unauthorized card was shipped via priority mail, and I was charged a {$15.00} shipping fee, it was never in my possession, and it was activated by someone other than me. Chase also failed to send any email or notification indicating that this second card had been issued and there had never been a second card associated with this account before that I have owned for a few years to which I still have the original card in my possession and is not due to expire. These unauthorized withdraws using the unauthorized card totaled {$4000.00} from my personal checking account ( solely in my name ) over 20 ATM transactions of {$200.00} each, all completed in one night at two different ATMs. Chase has opened and closed this case three times, ultimately denying my claim each time stating the unauthorized card was shipped to my address, the correct PIN was used so therefore, the transactions were valid. This conclusion ignores critical facts : I never authorized the issuance of this second card I never received or possessed the card Someone else activated and used it Chase has refused to review the recorded phone call from XX/XX/XXXX Chase has refused to review ATM video footage Chase has not explained how {$4000.00} could be withdrawn in one night despite their stated {$1000.00} daily ATM policy limit I have filed a police report documenting the unauthorized card issuance and fraudulent withdrawals. I have also canceled the unauthorized card. I have made every effort to resolve this matter directly with Chase, but they have repeatedly dismissed my concerns without performing the necessary investigative steps governed by regulation E.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-11 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information currently being reported on my credit report. After carefully reviewing my credit file, I have identified items that appear to be inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act 1681i, I have the right to dispute any information that I believe is not being reported with maximum possible accuracy.

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 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My name is XXXX XXXX. I have been a member of XXXX XXXX since XXXX. My account has always been in good standing, until i fell on hard times after covid in XXXX. I had to closes my business and during that that time i was also pregnant and wasnt able to work. I have XXXX of my credit cards who went into collections. Back in XXXX of XXXX i just started working and making smaller payments towards the cards. I lost my job again in XXXX and was not able to keep up with payments arrangements. Today on XX/XX/XXXX i woke to my checking account being completely emptied to zero balance, as the recovery team do an adjustment towards the credit card. I dont have money for food, for gas and this was also the money to cover my mortgage as my house is facing foreclosure. XXXX asking is there a reconsideration that can be done where a partial of the funds can be released to me, im a single mom of XXXX with no help. I cant afford not to have any money for an entire week. I reached out to the collection company and made arrangements to pay them weekly until i get life situated again to pay the balance. I have been making phone calls from the collection agency to navy federal, no one is wanting to assist me. I have no money for gas or food. I made an arrangement with the collection company to start paying next week. I received no warning, no one contacted me to even give me the chance to make any arrangements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
XX/XX/year> an account wit the balance of {$5200.00} was put into collections and I have no knowledge of this at all. This goes against USC 1692 ( G ) USC 1666 ( b ) / USC 15 166/ USC 1666/ USC 15 166 ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
I am filing this complaint regarding overdraft and related fee practices associated with my Wells Fargo account. My account incurred multiple overdraft and/or NSF fees that I believe were excessive, unfair, and financially damaging. In several instances, the fees appeared to compound rapidly and created additional hardship even while deposits and ongoing account activity were occurring. I am aware that Wells Fargo has previously been subject to regulatory enforcement actions and consumer restitution orders involving overdraft-related practices and deposit account misconduct. Based on those findings, I am requesting that my account be formally reviewed for improper or excessive fee activity and potential reimbursement eligibility. I attempted to resolve this matter directly with Wells Fargo and am requesting : * reimbursement of overdraft-related charges, * a full accounting of fees assessed, * and review for inclusion in any applicable remediation or consumer restitution programs. These charges had a substantial financial impact on me and contributed to ongoing instability within the account. I am requesting that Wells Fargo : 1. Conduct a full fee audit of my account. 2. Refund improper or excessive overdraft-related charges. 3. Provide written findings regarding the review. 4. Clarify whether my account qualified for any prior remediation programs. Supporting documentation and account records are available upon request.

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 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Summary of Issue : Navy Federal Credit Union denied my fraud claim for an unauthorized ACH withdrawal of {$3700.00} from my account on XX/XX/year>, even though I reported the fraud immediately and provided extensive evidence showing that the transaction was not authorized by me. Details of the XXXX : On XX/XX/year>, I received a text message from Navy Federal stating that an external account ending in XXXX had been added to my account. I did not authorize this and received no twofactor authentication request. On XX/XX/year>, I discovered that {$3700.00} had been withdrawn via XXXX transfer labeled XXXX Huddles. XXXX XXXX confirmed the funds were sent to a XXXX XXXX account and stated this XXXX be part of a XXXX XXXX scam trend they have been dealing with. I filed a police report and an FBI XXXX complaint for interstate wire fraud and identity theft. I also provided Navy Federal with screenshots of threatening messages from the suspect, who sent me a screenshot of my XXXX XXXX profile photo, confirming access to my information. New Evidence of Email Compromise : After filing my initial report, I discovered that my XXXX email account ( xxxxxxxxxxxxx ) had been compromised. A hidden rule had been created that automatically moved any email containing the word Navy to the Deleted Items folder. This prevented me from seeing Navy Federal alerts, including the email confirming the {$3700.00} transfer. Screenshots show the rule configuration and the deleted Navy Federal emails, proving that someone accessed my email and concealed bank notifications. Why XXXX Filing This Complaint : Despite this clear evidence of unauthorized access and fraud, Navy Federal denied my claim without providing a detailed explanation or investigation file. Under the XXXX XXXX Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 CFR 1005 ), the credit union is required to conduct a reasonable investigation and reimburse unauthorized transfers unless it can prove authorization. I reported the fraud promptly and provided substantial documentation. Requested Resolution : I am requesting that Navy Federal : Reopen and reinvestigate my fraud claim under Regulation XXXX. Provide a written explanation of the denial and the evidence used. Reimburse the {$3700.00} withdrawn without authorization. Review the evidence of email compromise as part of the investigation. Attachments Available : Police report and amendment FBI XXXX complaint confirmation Screenshots of Outlook rule and deleted Navy Federal emails Screenshots of fraudulent transaction and threatening messages

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 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: RI

Complaint narrative:
I have 2 credit cards from Continental Finance Company - XXXX and XXXX. After looking closely to all the fees that I pay and their very high interest rate, I want to close my cards. After continuously calling their customer service and going through their phone prompts, there is no way to tlk to anyone live. There is no way of canceling accounts online either. It's impossible to cancel these cards. Please help

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 2026-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Arivo Acceptance, LLC
State: NV

Complaint narrative:
Arivo Acceptance has failed to provide competent evidence or legally required documentation supporting the alleged debt, repossession, balance claimed, fees assessed, or charge-off reporting. Despite repeated disputes and requests for validation, your company has failed to provide : A complete copy of the original Retail Installment Sales Contract bearing my lawful signature Full payment and transaction history from account inception Complete accounting ledger identifying all payments, credits, debits, late fees, repossession fees, storage fees, auction fees, and deficiency calculations Copies of any pre-repossession notices allegedly sent Copies of any right-to-cure notices Copies of acceleration notices Copies of post-repossession notices Copies of notice of sale documentation Copies of deficiency balance notices Proof of lawful mailing and service of any notices required by law Proof that all fees added were lawful, reasonable, and contractually authorized Proof of lawful ownership and assignment of the alleged obligation Verification of compliance with all state and federal repossession statutes Your failure to provide competent validation and disclosure constitutes a direct violation of federal law, including but not limited to : 15 U.S.C. 1692f Unfair and unconscionable collection practices 15 U.S.C. 1681 Fair Credit Reporting Act violations involving inaccurate and unverifiable reporting 15 U.S.C. 1681n and 1681o ( FCRA 616617 ) Civil liability for willful and negligent noncompliance 15 U.S.C. 6802 Unauthorized disclosure and misuse of consumer financial information S.3549 Predatory Lending Elimination Act 140B Predatory and abusive lending practices Furthermore, reporting a charged-off balance without furnishing complete validation, lawful accounting, and legally compliant repossession documentation constitutes deceptive and materially misleading reporting under the Fair Credit Reporting Act. Any continued reporting of this account absent competent verification is considered willful noncompliance and negligent furnishing of inaccurate information to consumer reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am submitting this complaint because I believe I have been falsely flagged for fraud through Zelle, and this issue has caused serious problems with my banking access and reputation. I have contacted Zelle directly regarding this matter, and their representatives informed me that they do not see any fraud listed under my name. However, I have documentation showing otherwise, including paperwork indicating that my name was associated with fraud activity. XXXX XXXX XXXX XXXX XXXX email me the paper with my name. This contradiction has created confusion and has negatively affected me financially and personally. As a result of this situation, my bank accounts were restricted, and I experienced difficulty accessing my own funds. In addition, my sisters account was impacted after bank representatives contacted her regarding my name, placing her in an embarrassing and stressful situation even though no fraud was committed. I have never knowingly committed fraud or participated in any unauthorized activity. I am requesting a full investigation into : - Why my name was flagged for fraud - Which institution reported or generated the fraud claim- Why conflicting information is being provided by Zelle - Immediate correction and removal of any false fraud designation associated with my name - Written confirmation once the matter has been resolved I am also requesting copies of any records, reports, or internal findings related to these allegations. Thank you kindly

Company response to consumer: Closed with explanation