vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I am filing this complaint regarding a fraudulent wire transfer sent to an account held at JPMorgan Chase Bank. On XX/XX/XXXX, I wired {$8700.00} from my XXXXXXXX XXXX account to an account at JPMorgan Chase Bank under the name XXXX XXXX XXXX. Routing number : XXXX, account ending in XXXX. ( ID : XXXX, Order number : XXXX. This transaction was later determined to be part of a fraud, as no goods or services were provided and the entity became unreachable. A wire recall request was initiated by my bank ( Ally ) shortly after the fraud was discovered. Despite this, I was later informed that the funds could not be recovered. Ally gave me a recovery ID : XXXX I am requesting information regarding what actions were taken by JPMorgan Chase Bank upon receiving the recall request, including whether the receiving account was investigated, restricted, or flagged for fraudulent activity. Given that the fraudulent operation appears to still be active under a new website, I am concerned that the account may have been part of a broader scam network. I am requesting a formal review of this matter and any steps taken to prevent further fraudulent use of accounts within your institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am writing to formally file a complaint against PNC Bank regarding unauthorized access to my business account and the banks failure to provide resolution or adequate explanation. On XX/XX/year>, my business account with PNC Bank was compromised, resulting in a significant amount of money being withdrawn without my authorization. Upon discovering the fraudulent activity, I immediately contacted the bank to report the issue and seek assistance. In addition, I filed an official police report documenting the fraudulent activity and provided a copy of this report to PNC Bank for their records and investigation. Since reporting the incident, I have made multiple attempts to obtain information regarding how this breach occurred and why the stolen funds have not been reimbursed. Unfortunately, PNC Bank has failed to provide any clear explanation and denied it over six times. I have been in contact with the retail fraud supervisor, XXXX XXXX, who indicated that even their superiors have not provided reasoning as to why the reimbursement has been denied. This lack of transparency and accountability is extremely concerning, especially given the severity of the financial loss. As a business owner, this situation has caused serious financial hardship and disruption. I entrusted PNC Bank with safeguarding my funds, and I am disappointed by their failure to properly investigate and communicate regarding this matter. I am requesting the following : A full explanation of how my account was compromised Documentation of their investigation findings Immediate reimbursement of the unauthorized transactions Improved communication and transparency regarding this case I am prepared to provide any additional supporting documentation, including account statements, transaction records, correspondence, and the filed police report, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Greenlight Financial Technology, Inc
State: NJ

Complaint narrative:
I was charged {$14.00} per month by Greenlight Financial Technology , Inc. from XX/XX/XXXX through XX/XX/XXXX for an account I did not open, fund, activate, or use. I never received a debit card or any account materials. Greenlight acknowledged the issue and issued only a partial refund of {$430.00}, despite total charges equaling {$490.00}. This leaves an outstanding balance of {$58.00} that has not been returned. I have made multiple attempts to resolve this directly. The company is now failing to provide the remaining refund and has not provided written confirmation that all accounts or records associated with my information have been permanently closed. This constitutes unauthorized billing and failure to properly close a fraudulent or unauthorized account. I am requesting : XXXX. Full refund of the remaining {$58.00} XXXX. Written confirmation that all accounts and personal data associated with me are permanently closed and can not be reactivated. In the following page there is a question of what is the card number and there is no card number because I never received a card. I alerted the company that I had no idea of this account and that I had never even received any paperwork for it and they could not provide any paperwork for it either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I received a notification that there was a charge to my XXXX debit card for XXXX {$24.00} out of state. This came the day after I used the card in a restaurant on XXXX XXXX. I never went to XXXX nor made any online charges, but XXXX refuses to explain why an out-of-state charge is my fault. I NEVER LEFT NY. I did not buy anything from XXXX. Help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I was going to college at the XXXX XXXX University in XXXX XXXX, Florida. During the first semester, I requested a loan of about {$5000.00} to pay off for the next semester I was going to attend. They ended up never giving me any money for that semester. I also have yet to see any money even after I stopped attending the college. They are still calling me to repay my loan when I never got a loan and its starting to ruin my credit bringing it from a XXXX to a XXXX. I just want to figure out where the money that I was supposed to get is and I want them to understand the fact that I never got the money so I shouldnt have to repay any loans.

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 — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I sent the amount {$3900.00} from my Chase bank account to the recipient bank XXXXXXXX XXXX on XX/XX/year>. And It turns out to be a scam. So I took actions immediately, I called my bank- Chase and the recipient XXXX XXXX to open a claim on this matter, but they denied the request. They also refused to provide any information how they will be investigating the case.

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: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
On XXXX XXXX XXXX I sent a payment of {$1400.00} through XXXX XXXX for a used vehicle that was materially misrepresented by the seller. The seller stated in the listing and in person that the vehicle needs nothing at all, had no problems, required no repairs, and that he was the only previous owner. I relied on these statements when making the purchase. Immediately after the transaction, the vehicle experienced serious mechanical issues and was not in the condition represented. After the sale, the seller changed his statements and admitted that the vehicle may need a new battery and had an oil sensor issue, contradicting his earlier claims. A VIN report further confirmed that the vehicle had undisclosed issues, including open recalls and that it was recently purchased from an auction site shortly before being sold to me ( approximately 8 days prior ). This contradicts the sellers representation of ownership and condition and indicates that material information was withheld at the time of sale. I attempted to resolve this matter directly with the seller and requested a refund. The seller refused, stated that he had already spent the money, attempted to redirect me to resell the vehicle instead, and ultimately blocked communication. I also made a good faith effort to return the vehicle, which was refused. I filed a dispute with my bank and submitted supporting documentation, including messages, photos, and VIN records confirming the misrepresentation. Despite this, my dispute was denied with the conclusion that there were no issues with the vehicle. This determination is inconsistent with the evidence provided. I was informed that a chargeback was initiated on XXXX XXXX XXXX ; however, due to the banks denial, the chargeback was reversed, leaving me without a refund and with an unusable vehicle. The handling of this dispute reflects a failure to properly evaluate the evidence submitted and a failure to provide a fair resolution in a case involving clear misrepresentation. Additionally, after the purchase, I obtained a vehicle history report which confirmed that the vehicle had a prior accident on record involving reported damage. This information was not disclosed to me at any point before or during the sale. The seller explicitly stated that the vehicle was in perfect condition and needed nothing at all, which is inconsistent with the documented accident history. This further demonstrates that material information about the vehicles condition was withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: CA

Complaint narrative:
I am filing this complaint regarding an unauthorized transaction and the handling of my dispute by my bank. On or about [ insert date ], I was charged {$370.00} through XXXX for a purchase that I did not make or authorize. Upon noticing the charge, I promptly reported it to my bank, Chase. Chase issued a temporary credit to my account while they conducted an investigation. Importantly, I did not receive any mail or email notifications from Chase regarding the status, findings, or resolution of this investigation at any point during the process. Following their investigation, Chase informed me that XXXX provided evidence consisting of my billing address associated with my XXXX account. Based on this, Chase reversed the temporary credit and recharged me {$370.00}. I immediately contacted Chase to explain that I did not make this purchase and that a billing address alone is not sufficient evidence to prove authorization, particularly in cases of fraud. Chase advised me to contact XXXX directly. During my communication with XXXX, I was told that : * They were unable to identify or provide details about the merchant, other than stating it was a XXXX company * They could not share a merchant ID due to privacy restrictions * They did not provide evidence to Chase requesting a reversal of the claim * They had previously closed their own investigation in my favor when the dispute was initially filed I relayed this information back to Chase. Chase agreed to reopen the claim and conduct a further investigation. However, approximately XXXX month later, Chase again reversed the credit and charged me {$370.00}. When I contacted Chase again, I was told that this was their final decision, that the claim could not be reopened, and that I am responsible for the charge. They continue to rely on the same evidence ( my billing address ) that does not demonstrate that I authorized this transaction. As a result of this unresolved issue, my account is now in overdraft in the amount of {$370.00} for a transaction I did not make.

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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Im writing to report an issue with two cashback offers on Chase Sapphire credit card. I added both the XXXX and XXXX XXXX gas station offers to my card prior to making purchases, specifically ensuring they were activated before paying at the pump. Despite following all required steps and using my eligible card, I did not receive the advertised cashback for either transaction. Both purchases were made directly at the pump, which should qualify under the terms of these offers. I would appreciate a review of these transactions and an adjustment to apply the missing cashback. I called Chase and they said they would look into it but I never heard back. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I keep getting multiple calls from this business, at minimum XXXX calls daily, especially when Im at work, to collect a debt. I do not have direct responsibility to this debt as it was a loan that was cosigned by my ex-boyfriends grandmother for a motorcycle that we currently do not have in our possession nor does my ex-boyfriend. The motorcycle has been out of our possession for over a year now. I am a single mother of XXXX children, and I can not afford to even make payments or something I have never owned, nor do we have possession of. They are also harassing his XXXX grandmother as well via telephone.

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: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XX/XX/scrub>XXXX {$400.00} taken from my Bank of America account that I have had for 27 years XXXX Tried to use my Bank of America card and it was declined, had to transfer money from another bank so I could pay bills XXXX tried to make a call to get problem fixed, gave all the information to the representative about my mother ( the person who claimed the charges were fraudulant ) having XXXX and that I pay the bills and get the receipts and then the money is XXXX to my account for the bills that I pay for her and have the receipts for. At that time I was given a fax # and email to send documentation to, which the the email came back as invalid and the fax # was wrong and fax wouldn't go through. XX/XX/scrub>XXXX I went into my local Bank of America branch explained everything and we spoke to XXXX Fraud, explained the situation all over again, got the fax # sent all documentation to them : receipts of me paying for the services rendered along with the doctors documentation of her having XXXX Too many days dates to put down I have called and gotten the run around and been given different information on who to call, which department I need to reach, new fax # 's to send documentation to and so forth. No one has been helpful including the senior banker at Bank of America that will not return my calls. And no one can ever update me on where my case stands. This is now my last resort as even my most recent call to Bank of America ended with the representative saying she only allotted a certain time to be on wait for another department to pickup and she had to leave the call so I remained on for another XXXX minutes after the allotted XXXX minutes only to get an automated message that due to high call volume at this time I will have to call back later and the call was dropped.

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 — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: WV

Complaint narrative:
I am filing this complaint against Caine & Weiner ( CW ) for systemic reporting inaccuracies, failure to provide legal validation, and invasive data practices. XXXX. FACTUAL INACCURACY & MISREPRESENTATION : On XX/XX/year>, CW XXXX XXXX XXXX sent me a formal 'investigation result ' stating my account balance is {$280.00}. However, CW is currently reporting a balance of {$280.00} to the credit bureaus. This discrepancyverified by their own staffproves that CW is willfully reporting inaccurate data in violation of 15 U.S.C. 1681i. A correspondence in this regard was also attached but dated XX/XX/year>, " verifying '' alleged debt. XXXX. FAILURE TO VALIDATE ( WVCCPA & FDCPA ) : CW has failed to provide a Bill of Sale or an itemized 'Chain of Title ' proving they have the legal right to collect this alleged insurance debt from Progressive. Under the West Virginia Consumer Credit and Protection Act ( WVCCPA ), a collection agency must provide specific proof of ownership and a complete itemization of the debt. A generic letter with an incorrect balance is not legal validation. XXXX. PRIVACY VIOLATION & DATA HARVESTING : CW began contacting me via my private student email address without my prior authorization. I never provided this contact information to CW or the original creditor for collection purposes. Under West Virginia privacy laws, I demand to know the source of this skip-traced data. XXXX. PROCEDURAL SHAM : I disputed this account with the bureaus on XX/XX/year>. Despite CWs internal records showing a balance of {$280.00} as of XX/XX/XXXX, they 'verified " the inaccurate {$280.00} amount to the bureaus on XX/XX/XXXX. This proves that CW does not conduct a meaningful investigation and simply 'rubber-stamps ' automated data, even when their own employees have documented different figures.

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 customer service
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
This is my third attempt at trying to resolve a fraud I experienced. Since we are in dispute about whether or not I was defrauded, and since there are certain protections under consumer protection laws, as far as Chase is concerned, I would like to know what my available actions may be. Whether that be arbitration or XXXX XXXX XXXX. If XXXX XXXX XXXX is available as a remedy for me, I would need to have the name and contact information for your registered agent in XXXX Wisconsin.

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: Nationwide Capital Services, LLC
State: OH

Complaint narrative:
I keep getting spam calls from a XXXX at XXXX XXXX about a payment I made to their office that was returned. I do not answer their calls becuase i know for a fact i have no outstanding debts. I believe this is a scam, as other folks have reported on XXXX andnother sites. I have never heard of them, I dont have a collector on my credit report that has any of their names they might go by and I dont ever remember making a payment to them. They keep spoofing phone numbers around where I live. They called again today and an identical message from the last time was left in voice-mail. I believe this is a robot call. I want someone to stop this scam.

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: Block, Inc.
State: FL

Complaint narrative:
On XXXX XXXX XXXX I was scammed on cashapp for XXXX XXXX the people tried 3xs to get XXXX XXXX from different people XXXX XXXX, XXXX, XXXX XXXX it was denied and the 4th time XXXX XXXX was able to get XXXXXXXX XXXX all transactions was within minutes of each other I filed 3 disputes each 1 was denied I have never sent or received money from any of these people I asked XXXX to look into my transactions history and they will see I have never sent money to these people

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified information being reported on my credit report. I disputed this account with the credit bureaus, and the company responded by stating the account was verified. However, I was not provided with any proper validation of the debt. I did not receive a signed agreement, proof that I am legally obligated to this debt, or documentation showing how the account was verified. The account is still being reported with a balance of {$450.00} and marked as dispute resolved ; customer disagrees. This is inaccurate and does not meet the requirements of the FCRA. I am requesting that this account be removed from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The company that goes by the name comenity capital bank calls me multiple times a day I have been getting relentless calls day and night And on XXXX XXXX XXXX I was in the shower and my cousin was at my house and the debt collector from comenity bank called my phone and my girlfriend was changing my daughter 's diaper so she told him to answer the call for her because she didn't know it was them calling she thought it might be for her because she uses my phone sometimes when her phone is dead and she was expecting a call so my cousin answers the phone and he told me when I got out of the shower they were being very rude and insisting he goes into the shower while I'm in there XXXX taking a shower to give me the phone and he didn't want to because it made him feel uncomfortable doing that and inappropriate and he told them that and they kept insisting 3 more times he tried explaining nicely how inappropriate that is that he can take a message for me and have me call them back if they wanted to but they didn't want to do that they just wanted to keep insisting he goes into the shower to give me the phone so he finally tells them that's inappropriate and he's not gon na do that so they got mad and hung up

Company response to consumer: Closed with explanation