vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CO

Complaint narrative:
Complaint Against : XXXX XXXX I am filing this complaint regarding XXXX XXXX refusal to assist in tracing cashiers checks totaling {$23000.00} issued in XX/XX/year>. These cashiers checks were used to pay my student loan obligations. However, the loan servicers ( XXXX and XXXX XXXX ) have no record of receiving or applying these funds. This has created a serious financial dispute, as I am being told I still owe a balance that I believe was already paid. I contacted XXXX XXXX and visited a branch in person ( XXXX XXXX XXXX, XXXX, CO ). I spoke with banker XXXX XXXX ( XXXX XXXX XXXXXXXX ), who informed me that the bank can not provide any information regarding these checks due to a XXXX record retention policy. While I understand that physical images of checks may not be retained, XXXX XXXX has an obligation to maintain transactional records sufficient to identify whether cashiers checksrepresenting guaranteed fundswere negotiated and where those funds were deposited. I am requesting that XXXX XXXX : XXXX. Conduct a formal trace investigation on the cashiers checks in question. XXXX. Confirm whether the checks were negotiated. XXXX. Identify the receiving financial institution ( XXXX ) where the funds were deposited. XXXX. Provide any available documentation regarding the disposition of these funds. These funds can not simply disappear. If the checks were negotiated, there must be a record of where the funds were deposited. If they were not negotiated, that must also be clearly documented. XXXX XXXX refusal to assist leaves me unable to resolve a significant financial dispute involving over {$23000.00}. I am requesting regulatory assistance to compel the bank to investigate and provide this information. Sincerely, XXXX XXXX ( XXXX XXXX ) XXXX {$3100.00} XX/XX/year> Student Loan Finacing XXXX {$3500.00} Credited XX/XX/year> XXXX XXXX {$2600.00} Credited XX/XX/year> XXXX XXXX {$4700.00} N/A XX/XX/year> XXXX XXXX XXXX XXXX {$2800.00} XX/XX/year> XXXX XXXX {$10000.00} XX/XX/year> XXXX XXXX {$170.00} Credited XX/XX/year> XXXX XXXX {$7000.00} XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App for failing to investigate a clear case of merchant fraud. I ordered XXXX hoodies for {$24.00} on XX/XX/year>. The merchant provided a fake XXXX ' scan on XX/XX/XXXX, but then admitted in writing that they have no photos or signature proof of delivery. Cash App denied my dispute and my appeal despite this evidence. They are failing to protect me from a fraudulent merchant under Regulation XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: COLUMBIA BANKING SYSTEM, INC.
State: AZ

Complaint narrative:
A family friend has been trying to wire me money from Columbia Bank XXXX XXXX Oregon since last Friday XXXX attempt was declined due to fraud per the bank teller. They went back into the bank today at approximately XXXX AM and tried to resend the wire. They received a phone call at XXXX requesting my home address as the recipient of the wire at which time I provided that to them. At approximately XXXX oclock they were informed that the wire was denied again at that time my family friends drove to the bank at which time they were told by a branch XXXX ( in the parking lot with me on speaker phone and XXXX their child in the vehicle ) that that they could not wire funds to me because they stated on XXXX that I was fraudulent. I find this to be slanderous, discriminatory and borderline criminal. Can someone please contact me ASAP

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 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To the Consumer Financial Protection Bureau : I am filing a formal complaint against JPMorgan Chase Bank , N.A . regarding their mishandling and wrongful denial of a severe identity theft and Account Takeover ( ATO ) incident on my business checking account ( Account ending in XXXX, under XXXX XXXX XXXX XXXX ). XXXX XXXX : On XX/XX/year>, my business checking account was compromised by hackers who bypassed Chase 's security protocols. They initiated multiple unauthorized transactions that I did not authorize, initiate, or have any prior knowledge of : XXXX. An unauthorized {$10000.00} XXXX pull to a Bank XXXX XXXX XXXX XXXX. XXXX. Unauthorized XXXX transfers totaling {$5700.00} to XXXX unknown third-party recipients ( " XXXX XXXX '' and " XXXX XXXX trucking LLC '' ). XXXX. An unauthorized payment attempt to Affirm ( which XXXX 's own fraud system successfully detected and reversed ). Chase 's Failure and Wrongful Denial : I immediately locked the account and reported the fraud. Chase issued claim numbers ( including # XXXX for the {$10000.00} XXXX ). However, on XX/XX/year>, I received a denial letter from Chase for the {$10000.00} claim, stating the transaction was " authorized. '' This conclusion by Chase 's XXXX XXXX investigators is entirely false and unacceptable. They failed to conduct a proper forensic investigation. I have definitive proof that this was a sophisticated cyber-attack. The hackers illegally accessed my email and set up hidden forwarding/deletion rules specifically targeting security alerts from " Chase '' and " XXXX. XXXX This is why I did not receive warnings when the hackers added new payees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Rocket Mortgage, LLC
State: NE

Complaint narrative:
I purchased a new home in XX/XX/XXXX with a 5 % down payment. Because less than 20 % was paid as a down payment, I was required to purchase PMI. I paid all PMI upfront at closing in the amount of {$7600.00}. The PMI policy was through XXXX. The PMI is refundable, as multiple people at XXXX XXXX XXXX and Rocket Mortgage have affirmed. On XX/XX/XXXX, I made a large payment to bring the owed balance to about 60 % of the original purchase price, much more than the required 78 % to have PMI removed, and in my case, refunded, since it was all paid upfront at closing. I was told by the original loan servicer, XXXX XXXX XXXX that the PMI would automatically be refunded when I made my payment to bring the balance to 78 % of the original loan balance. This did not happen. I called and emailed my loan servicer, Rocket Mortgage, on XX/XX/XXXX requesting the prorated PMI amount be refunded. I provided all documentation regarding the refundable PMI that was paid in full at closing. I have called XXXX, the insurer, twice, and they are happy to do the refund as soon as Rocket Mortgage sends them an email stating the date the balance reached the 78 % threshold, my name, and their insurance policy number. I provided all of this information to Rocket Mortgage and have spent HOURS on the phone with them. As of XX/XX/XXXX, Rocket Mortgage still has not requested the refund of my PMI from XXXX, Rocket Mortgage has not even contacted XXXX or sent the email that I have told them to send ( per XXXX agent ), nor have I received the refund I am entitled to. Rocket Mortgage is in violation of the Homeowner 's Protection Act of XXXX and I demand that Rocket Mortgage return the PMI that they are no longer entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing a new complaint regarding my PayPal Credit account issued by Synchrony Bank. A disputed charge of {$2000.00} was denied without proper notification. I never received any denial letter by mail or email, which prevented me from responding or submitting additional documentation. I have since received several harassing phone calls and messages from a XXXX of PayPal trying to convince me that they did notify me which is a fraud and a lie. No one ever notified me of the dispute outcomes. Its all a lie and they have no proof but a generic letter with a date that is different from the date the representative and XXXX claimed it was sent. This is a big company like PayPal, XXXX and XXXX stealing and being fraudulent to civilians. You do not deserve to deal with customers. The denial relies on a delivery confirmation with a generic, unverified signature ( XXXX XXXX XXXX. I did not sign for or receive this package. A signature alone, without identity verification or confirmed delivery to me personally, is not sufficient proof of receipt. I will gladly share my ID to confirm my signature. After closing the dispute, Synchrony placed the charge into promotional financing without my consent and is now requiring the full balance to be paid within approximately XXXX ( XXXX ) month from today to pay it off. If not paid, significant deferred interest will be added- this is deceitful and extremely wrong. I did not agree to this financing arrangement. Imposing a short deadline with retroactive interest on a disputed transaction is unfair and misleading, especially given the lack of proper notice. I am requesting removal of the charge or, at minimum, reversal of the promotional financing terms and associated interest while this matter is reviewed. The way this transaction was handled is so unfair! No protection from PayPal because they were caught not following the law.

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 2026-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am a California borrower reporting Nelnet and the Department of Education ( FSA ) for direct violations of XXXX XXXX XXXX ( d ) ( XXXX ) and deceptive servicing practices under CA XXXX XXXX. ILLEGAL INTEREST ACCRUAL : I filed a Borrower Defense ( BD ) claim for XXXX XXXX XXXX ( # XXXX ) on XX/XX/XXXX. Per XXXX CFR XXXX ( d ) ( XXXX ), interest must cease after a claim has been pending for XXXX days. That deadline was XX/XX/XXXX. As of today, XX/XX/XXXX, my account has been accruing illegal interest for XXXX days. ADMITTED LACK OF TRAINING : On XX/XX/XXXX, Nelnet XXXX XXXX ( XXXX XXXX ) admitted on a recorded line that his staff is " not trained '' on these federal interest regulations. Similarly, the XXXX XXXX ( XXXX # XXXX ) representative " XXXX '' provided false information, claiming the XXXX rule " does not exist. '' XXXX OBSTRUCTION : Nelnet is currently obstructing my XXXX application ( submitted XX/XX/XXXX ) by rejecting my income self-certification based on arbitrary wording preferences that contradict federal standards for alternative documentation. This prevents me from earning credit toward XXXX forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: PA

Complaint narrative:
First, I received a courtesy email, informing me that a purchase of over {$500.00} was made on my account. The email said to contact support if I did not recognize this transaction. Upon looking through my recent purchases, I found XXXX unauthorized purchases totaling over {$2000.00}. I immediately contact customer support to report the issue. I was told that there was nothing I could do at that time. I was told that the purchases had not posted yet, and that they werent able to file a dispute until after they posted, which they told me would be several days. I had to wait for all of the money to leave my account before I could dispute the purchases. After waiting for the purchases to post, I disputed the charges. I never received any kind of notice that the issue had been resolved, but the funds were returned to my account. The next notice I got from the bank was that my account had been closed. The notice said that remaining funds would be sent to the external bank account on file. As this was an old, closed account, I immediately reached out to customer support. They told me there was nothing they could do, that the funds would be transferred to the external bank account, even though I had repeatedly told them that I no longer owned the account. They said that if there was no external bank account, then I would be mailed a check, which will take XXXX weeks. I told them that I needed access to my funds sooner than that, as I need to feed my kids, pay bills, and put gas in my car, so that I can get to work. They said again, that there was nothing they could do. I contacted the bank that the closed external account was with, and they confirmed that this account was closed. As of now, I do not have access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: FL

Complaint narrative:
On XXXX first I purchased a XXXX XXXX on the XXXX website I had borrowed the total of {$230.00} from cashapp, as in the checkout process there is a direct link to cashapp. XX/XX/XXXX, I went to the XXXX location, to realize the online order was at a different location. I had asked a representative at XXXX if they can transfer the inventory through the online system and they said no. And get a refund and re-purchased the item. The XXXX representative assisted me and canceling the purchase and I used a different form of payment to purchase the watch. A few days later, I had called XXXX and they confirmed that the refund was sent back to Cash app on XX/XX/XXXX. And the first week of me repeatedly reaching out to Cash app they said I had to wait XXXX business days. On XX/XX/XXXX, I had used the chat system to get assistance and they said the refund would take place any day now it is now XX/XX/XXXX and no refund has been applied to my account yet and the mist of all this I am still being charged on the loan for the amount of XXXX .. so far they had deducted an additional {$120.00} from me in which is owed back to me as well since the purchase was canceled. This is causing a big issue as this is now interfering with my car payment that was due last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE COLLECTION ACCOUNTS LISTED ON MY CREDIT REPORT ARE INACCURATE AND UNVERIFIED. I DID NOT OPEN, AUTHORIZE, OR AGREE TO THESE ACCOUNTS AND HAVE NO RESPONSIBILITY FOR THEM.

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 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: TX

Complaint narrative:
UMB said they provide banking services to XXXX but I have a checking account on direct deposit form in XXXX that shows UMB bank. It has to function as true checking account and allow withdrawls. Please provide contact and agreement between XXXX and UMB Bank so I can see if the account is working as true checking account. Merely diverting complaint to XXXX is not sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A 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 non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting related to a debt connected to XXXX XXXX XXXX XXXX Case No. XXXXThis matter involved a wage garnishment that was later terminated by the Metropolitan Court through a Release of Writ of Garnishment signed by XXXX XXXX XXXX XXXX XXXX The court order clearly states that the garnishment was released and XXXX and that the garnishee no longer has any obligation to withhold wages, money, or property from the judgment debtors on account of that writ. The debt collector failed to continue the necessary legal action in the court proceeding to maintain enforcement of the judgment. As a result, the court issued the release and XXXX obligation to the debt, which terminated the legal obligation connected to that writ. Despite this court action, the account continues to be reported as a collection on my XXXX credit report. I have already disputed this account with XXXX and provided a copy of the court order. Additionally, the same account has already been removed from my credit files with the other major credit reporting agencies. Continuing to report this account does not accurately reflect the legal status of the debt. Under the Fair Credit Reporting Act, consumer reporting agencies are required to maintain maximum possible accuracy and correct or remove information that does not accurately reflect the legal status of a debt. I am requesting that XXXX remove the collection account associated with XXXX XXXX Metropolitan Court Case No. XXXX from my credit report because it does not accurately reflect the legal status of the debt. The Metropolitan Court issued a Release of Writ of Garnishment discharging the garnishment and terminating enforcement of the judgment. Because the court terminated the garnishment and the legal enforcement associated with this matter, continuing to report the account as an outstanding collection is inaccurate and inconsistent with the requirements of the Fair Credit Reporting Act to maintain maximum possible accuracy. I am requesting that XXXX remove the collection account from my credit file and correct any reporting associated with this account so that it no longer appears as an outstanding collection. I also request written confirmation that the account has been removed or corrected. Because the court has already released and XXXX obligation to the debt, continuing to report this account in any form would not accurately reflect the legal status of the matter, and removal of the account is the only correction that would ensure compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My phone was stolen, I've reported this to Chase as well as reported fraudulent activity on my account. I didn't have access to my phone and to my banking information while recovering my phones and access to my numbers, the criminals did another transaction for {$5200.00} that Chase allowed and I reported it again, but Chase told me that their investigation found out that it was authorized. How? I have reported about my account compromised and fraudulent wires and you're authorizing another transfer?? I demand my money to be returned

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: AL

Complaint narrative:
Account ( XXXX # XXXX ) Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

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 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
I am filing a formal dispute regarding a missing international money transfer ( Transaction # XXXX ) initiated on XX/XX/year>. I am a resident of XXXXThe Abound application ( owned by TClub , Inc. ) shows the transaction status as " Delivered. '' However, the funds have not been credited to the recipient 's bank account. It has been nearly XXXX month since the transaction date, which exceeds the reasonable delivery window for a remittance transfer.I have contacted Abound support multiple times via email ( XXXX ) to request a UTR ( Unique Transaction Reference ) or a trace of the funds. The company has been completely unresponsive and has failed to provide any proof of deposit or a timeline for resolution.Under federal law and XXXX money transmitter regulations, I am requesting that Abound immediately investigate this error and either provide a valid UTR number to track the funds or issue a full refund to my source account

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation