vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 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: CITIBANK, N.A.
State: AL

Complaint narrative:
I have been a Citibank card holder since XXXX. I have never had any laps in any monthly payments on the card and never had the card canceled again, since XXXX I recently noticed on my monthly statement that my thank you reward points total had changed considerably, and I had lost roughly XXXX rewards points ( ~ {$1300.00} ). When I called Citibank and talked with thier customer service they told me they had canceled my card a while back. I told them no, it has never been canceld I use it every day. There has never been any disruption in service, or issues with my card. Their customer service has not been helpful at all when I have been tring to get my money back. I have gone round and round with them on the phone and on chatbot website. I have been a dedicated customer of theirs for years and have an outstanding credit history. This is outrageous and they should not be able to get away with this type of thing.

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 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Foris DAX, Inc.
State: OR

Complaint narrative:
I had an account to save and grow money with the XXXX program of Crypto.com. I had deposits made which accrued growth in the XXXX program of the XXXX program. It grew with returns to $ XXXX. I transferred from the XXXX to regular Crypto.com platform and my funds disappeared was not deposited in my Crypto.com regular account nor reverted to my XXXX account? No statement or notice from the company. I called to complain and to this moment nothing is forthcoming from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX Email : XXXX Phone XXXX Claim XXXX : TOTALING TO THE AMOUNT OF {$3400.00} FRAUDULENT TRANSACTIONS XX/XX/XXXX {$1.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$14.00} XX/XX/XXXX {$5.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$1000.00} Claim number:XXXX TOTALING TO THE AMOUNT OF {$400.00} FRAUDULENT TRANSACTION TRANSFER MADE TO XXXX {$400.00} XXXX XXXX Claim XXXX : TOTALING TO THE AMOUNT OF {$1400.00} FRAUDULENT TRANSACTION TRANSFER MADE TO XXXX {$1400.00} XX/XX/XXXX Claim XXXX : TOTALING TO THE AMOUNT OF {$500.00} FRAUDULENT TRANSATIONS ATM WITHDRAWL {$300.00} ATM WITHDRAWL {$200.00} I AM WRITING THIS LETTER TO FILE A COMPAINT AGAINST CHIME BANK AFTER SENDING CONSTANT PROOF OF PROVING THE RIGHTS TO MY FUNDS I SENT SEVERAL POLICE REPORTS also along with my proof of incarceration. to whom it may concern I really been trying to recover my funds but chime refuse to do a proper investagion.i will also be sending there responds that they email me which by the way chime bank approved 1 claim instead of all 5 claims which show abovethe claim that they approved is 1 out of 5 claims that was made on debit card ending in XXXX which I disputed, which mean chime Is wrongfully holding my funds against my wheel

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
My loan servicer, MOHELA, has failed to apply the look-back tracking provisions of the mandatory federal One-Time IDR Account Adjustment. They have issued an auto-denial stating that my account is currently on a 'Level ' plan and is therefore not eligible for an adjustment. This is an explicit misapplication of federal guidelines, which state that all past repayment periods count toward the 20-to-25-year forgiveness clock regardless of historical or current plan enrollment. Furthermore, as demonstrated by the attached 3-part MOHELA response XXXX XXXX XXXX : XXXX ), the company 's internal accounting is completely broken. My dashboard displays a 'Total Amount Paid ' of {$150000.00} on an original loan balance of {$44000.00}, while continuing to bill me for an outstanding balance of {$31000.00}. MOHELA 's own written history notes that the account went into bankruptcy forbearance in XXXX and was transferred between XXXX XXXX, the guarantor, and XXXX before being repurchased in XXXX. Their automated software has mistakenly coded institutional insurance transfers and guarantor repurchases during this bankruptcy timeframe as out-of-pocket borrower principal payments. My student loan timeline originates from my own educational enrollment with a true root anchor date in XXXX. I demand a manual administrative escalation to the FSA Ombudsman Group to correct my ledger history, audit these impossible figures, and enforce my XXXX clock to discharge this remaining balance to {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: OK

Complaint narrative:
Im writing to file a complaint against ALDOUS for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Escalation and Refiling of Complaint # XXXX False Information Provided by Chase & Failure to Refund {$460.00} I am filing this new complaint because Chase Bank provided demonstrably false information in their response to my previous CFPB complaint ( # XXXX ) in an attempt to deny me a valid refund of {$460.00}. The Core Issue & Timeline of Misleading Information : I share a single Chase checking account with my husband. In XX/XX/2026, I called Chase to cancel a recurring online BillPay of {$460.00} to XXXX XXXX XXXX XXXX. Despite confirming this cancellation, Chase has repeatedly misled me, deducted unauthorized funds, and failed to correct their system error : XX/XX/2026 : A Chase representative confirmed my XXXX BillPay cancellation was successful. XX/XX/2026 : Despite the confirmed cancellation, Chase deducted {$460.00} from my checking account. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2026 : Over XXXX separate phone calls, Chase representatives assured me the payment was shown as cancelled in their system. None of them could explain the deduction, and all of them falsely promised the funds would be refunded to my account within a day or XXXX. Chases Defense to the CFPB : When I filed my initial CFPB complaint, Chases XXXX resolution team responded by blaming me. They claimed there were " XXXX online profiles '' and that a second transaction ( number XXXX ) was scheduled through my husband 's " alternate online profile. '' They stated this was why the XX/XX/XXXX payment processed and officially denied my claim on XX/XX/2026. The New Evidence Contradicting Chase 's Claim : Chases defense is factually incorrect based on their own live system data. Immediately after reading Chases response on XX/XX/2026, my husband and I called Chase together to locate and cancel this supposed secondary BillPay on his profile. The Chase representative thoroughly reviewed my husband 's profile and confirmed on a recorded line that there is NO XXXX BillPay set up under his name or profile. Conclusion & Demands : Chases internal team can not even locate this XXXX BillPay set up through alternate profile. Chases internal systems are catastrophically misaligned, and they are unfairly penalizing a consumer for their technical failures. How can I stop a BillPay that never existed in their system?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: TX

Complaint narrative:
On XX/XX/year>, an unauthorized, fraudulent recurring charge of {$190.00} appeared on my Bank of America credit card ending in XXXX. The merchant descriptor appeared as a " XXXX '' publication. I immediately filed a fraud dispute with Bank of America ( Claim XXXX XXXX ). On XX/XX/year>, Bank of America wrongfully denied my claim, stating the merchant provided " documentation '' proving I received the service. However, Bank of America 's automated system failed to properly investigate. I contacted XXXX XXXX directly and obtained written, definitive proof of fraud : XXXX XXXX investigated my email and confirmed in writing that my account is strictly a " free signup '' and they have ZERO record of a {$190.00} charge. XXXX XXXX confirmed in writing that this specific publisher left their platform entirely and is now independently using Stripe to fraudulently force charges through. A search of the Stripe payment processor yields no record of this transaction linked to my information. The documentation the merchant provided to Bank of America is completely fabricated or belongs to a fraudulent third-party account using my stolen card numbers. Bank of America closed my claim without reviewing this written evidence from the host platform.

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 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GREENSKY OPERATIONS, LLC
State: PA

Complaint narrative:
I have formally invoked the FTC Holder Rule ( 16 C.F.R. Part 433 ) via certified mail to GreenSky , LLC. The merchant, XXXX XXXX XXXX XXXX, drew exactly {$38000.00} from the GreenSky loan account under false pretenses.The merchant explicitly misrepresented the status of the job, falsely claiming it was XXXX % complete to induce my authorization. In reality, the project was nowhere near the contractually required 90 % completion mark.The work remains entirely incomplete, defective, and unrendered. Furthermore, the merchants faulty installation has caused active structural property damage to my home, including cracked floor joists and a sinking floor.I have already paid a cash down payment of {$16000.00} via Check XXXX XXXX, meaning I have paid over {$54000.00} for a completely failed, hazardous project. GreenSky must freeze all collections immediately under federal law while this merchant fraud is investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent credit reporting by Aidvantage, the servicer of my federal student loans. Aidvantage is reporting materially different balances for the same student loan account across XXXX XXXX XXXX XXXX Because all three credit bureaus should be receiving substantially the same information from the furnisher, these inconsistencies raise concerns about the accuracy and completeness of the data being reported. I am not disputing the existence of my federal student loans. I am disputing the accuracy and consistency of the information being furnished to the consumer reporting agencies. I am requesting that Aidvantage : XXXX. Conduct a full investigation of all information being reported to XXXX XXXX XXXX XXXX XXXX. Verify the correct balance and account details. XXXX. Explain why different balances are being reported to different credit bureaus. XXXX. Correct any inaccurate or inconsistent information. XXXX. Remove any information that can not be fully verified as accurate and complete. Under the Fair Credit Reporting Act, furnishers are required to report complete and accurate information and to investigate disputes in a reasonable manner. Please provide written confirmation of the results of the investigation and copies of any documentation used to verify the information being reported. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am submitting this complaint regarding what I believe was a PayPal account takeover and unauthorized electronic transactions connected to my bank accounts. Beginning around XX/XX/year>, unauthorized transactions in XXXX currency associated with the XXXX XXXX XXXX XXXX XXXX began appearing through my linked PayPal account. I have never conducted business with this organization, have no connection to XXXX immigration or visa services, and never authorized these transactions. On XX/XX/year>, I suspected suspicious activity involving my accounts and contacted XXXX XXXX to report my concerns. Although I did not yet fully understand the fraud at that time, I was concerned enough to change my debit card immediately to protect my account and financial information. On XX/XX/year>, I discovered unauthorized PayPal transactions connected to my accounts and immediately began contacting PayPal, XXXX XXXX, and XXXX to report what I believed was account takeover fraud rather than a merchant dispute. On XX/XX/year>, while reviewing my account activity with representatives, I observed XXXX separate unauthorized transactions of approximately {$200.00} each in XXXX currency connected to my XXXX XXXX account. Despite my prior fraud reports and repeated attempts to stop the activity, the transactions were still processed. PayPal initially acknowledged unauthorized activity and refunded XXXX substantially similar transaction connected to my XXXX account. However, the remaining transactions were later treated as merchant disputes rather than unauthorized account takeover fraud, despite appearing to be part of the same fraudulent pattern. I also want to clarify that I was never disputing a legitimate {$30.00} payment sent to my adult son through PayPal. I believe this misunderstanding may have affected how my fraud reports were categorized and handled. I have filed disputes, changed my debit cards, filed a police report, submitted an FTC Identity Theft Report, contacted my financial institutions multiple times, and provided all documentation available to me, including XXXX alerts and transaction records. I am requesting assistance and review regarding the handling of these unauthorized electronic transactions and the apparent failure to properly classify and investigate the matter as account takeover fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint because this company is attempting to collect a debt that I do not legally owe due to identity theft. I never authorized or opened the account associated with this alleged debt, and the information being reported and collected is inaccurate and fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to withdraw {$300.00} from a XXXX XXXX ATM using my SoFi card. The ATM did not dispense any cash, but the amount was still deducted from my account. When I contacted the company, I was later told the issue was due to an ATM outage. Despite this, my funds have not been returned. Since then, I have made multiple attempts to escalate the issue and request updates. I was repeatedly told my case would be escalated, but I have received no meaningful follow-up, no timeline, and no resolution. Phone support has been unhelpful and the issue remains unresolved. This missing {$300.00} has caused serious financial hardship. I went through XXXX XXXX without being able to afford gifts, I have been without gas for nearly XXXX weeks, and I have missed job interview opportunities due to lack of transportation. Even though I explained this multiple times that the money was important to me due to my situation, I was not eligible to at least receive provisional credit. As of today, the funds are still missing and the issue remains unresolved despite multiple attempts to get assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing this complaint because this company is attempting to collect a debt that I do not legally owe due to identity theft. I never authorized or opened the account associated with this alleged debt, and the information being reported and collected is inaccurate and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/XXXX, PayPal permanently deactivated my personal account, XXXX, and later affected my business account, XXXX PayPal gave two conflicting emails. 1.unapproved sales of XXXX oriented materials '' 2.possible fraudulent or high-risk behavior. These inconsistent explanations suggest my account was flagged without proper human review and that PayPal has not identified one clear policy violation. The unapproved sales claim is incorrect. My personal PayPal was not used to sell XXXX oriented material or services. It was used to pay commissioned XXXX artists for Animations. I attached screenshots showing outgoing payments to artists, meaning I was the buyer, not the seller. Before setting up my business account, I contacted PayPal support to confirm whether I could use a website with PayPal XXXX to receive off-platform payments from XXXX supporters due to XXXX XXXX 30 % fees. I was given the green light. Despite trying to comply, PayPal deactivated my accounts without clear evidence. PayPals enforcement also appears inconsistent. PayPal works with XXXX, and XXXX publicly confirms PayPal can be used on its platform. XXXX also has age verification for adult content. I attached evidence showing other XXXX XXXX creators using XXXX and PayPal-related payment flows , including XXXX, whose PayPal account was reportedly reinstated after a similar issue. If PayPal permits XXXX payments for other adult-content creators, banning my account without a clear violation is unfair. Customer support has been unhelpful. I called multiple times for escalation and clarification without explanation. Customer Service even told me to create a new account, which appears to contradict PayPals permanent limitation policy and could expose me to more account closures or fund holds. I request my account be re-instated. XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Account XXXX. I am filing this complaint for a wrongful default declared on my Direct Consolidation loans on XX/XX/XXXX. GROUND XXXX STATUTORY VIOLATION : 34 C.F.R. 682.200 requires XXXX days delinquency to declare default. XXXX shows only XXXX days from the alleged XX/XX/XXXX first delinquency to the XX/XX/XXXX XXXX declaration. The XXXX is mathematically void XXXX days short of the federal requirement. GROUND XXXX FACIAL INCONSISTENCY : Aidvantage 's own data submitted to XXXX shows my account current ( GREEN ) in XXXX, XXXX, and XX/XX/XXXX directly contradicting their claim that delinquency began XX/XX/XXXX. GROUND XXXX DISASTER FORBEARANCE VIOLATION : Aidvantage applied a XXXX XXXX to my account on XX/XX/XXXX under XXXX ( XXXX XXXX XXXX declaration ). The XXXX was declared while this Heroes Act protection was active. GROUND XXXX XX/XX/XXXX DOE TRANSFER : On XX/XX/XXXX, the Department of Education executed a Claim Payment transferring my loans from Aidvantage to Department-held status. Aidvantage 's own Account Summary as of XX/XX/XXXX confirms {$0.00} balance with both consolidated loans marked 'Paid by DEPT OF ED XXXX ' XXXX days later, on XX/XX/XXXX, the Default Resolution Group issued a Debt Statement showing {$37000.00} and initiated Treasury offset proceedings no documented Secretary-level review under the Heroes Act occurred in that XXXX-day window. GROUND XXXX XXXX FACIALLY INCONSISTENT BALANCES on the same account within XXXX days : {$30000.00} ( original ) {$36000.00} ( XXXX XX/XX/XXXX ) {$36000.00} ( Aidvantage Claim Payment XX/XX/XXXX ) {$37000.00} ( DOE Debt Statement XX/XX/XXXX ). This is documented XXXX XXXX failure. GROUND XXXX WRONG REGULATORY FRAMEWORK : My loans have been Direct Consolidated since XX/XX/XXXX ( governed by 34 C.F.R. Part 685 ), but Aidvantage issued FFELP-labeled notices ( governed by 34 C.F.R. Part 682 ). Wrong program. Notice sequence procedurally void. GROUND XXXX XXXX XXXX TERMINAL LOGIC ERROR : XXXX reports XXXX XXXXday late payments on my account with XXXX XXXXday lates and XXXX XXXXday lates a mechanically impossible delinquency progression under XXXX XXXX standards. DESIRED RESOLUTION : ( XXXX ) Immediate rescission of the XX/XX/XXXX default ; ( XXXX ) unwind the XX/XX/XXXX DOE transfer ; ( XXXX ) full deletion of negative trade line reporting from all XXXX bureaus ; ( XXXX ) audit of all XXXX balance figures with reconciliation ; ( XXXX ) stay of all Treasury offset and Administrative Wage Garnishment proceedings.

Company response to consumer: Closed with explanation