vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 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: NH

Complaint narrative:
I obtained a consumer installment loan through GreenSky to finance a home improvement project performed by XXXX XXXX XXXX in XX/XX/year>. The total financing was approximately {$15000.00}, structured in two disbursements : an initial amount of {$8400.00} and a second disbursement of {$7400.00} after the work was completed. After completion of the project, I later discovered that the original contractor, XXXX XXXX XXXX, is now out of business. As a result, I am unable to obtain any warranty support, service, or corrective work related to the project. I contacted GreenSky customer service to request information and assistance regarding my loan and options for resolution due to the contractors closure and the inability to obtain warranty service. My attempts to get help were not effective. I was provided limited and unclear information and given phone numbers that did not lead to any resolution. At no point was I provided meaningful assistance or guidance on resolving the issue tied to the financed project. I am continuing to make payments on the loan despite the fact that a portion of the financed work is now unsupported due to the contractor being out of business and no warranty or service support being available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
From XX/XX/year> to XX/XX/year>, there were XXXX purchases appeared on my credit card which I didn't made. I contacted Chase and immediately asked for a new card. During XXXX, Chase told me that those purchases were made through actual credit card with the chip. Given that my credit card was never stole, those purchases can not be fraud. Chase then rejected my dispute request. I told Chase that I give my credit card information to a vendor when purchasing something on XX/XX/XXXX. They could have taken my information or copy my card. Chase told me to do investigating by asking those stores for security footage to prove that was not in the store when the purchase was happening. I know for a fact that I didn't make those purchases and I didn't lose the card. There are security concern given that someone is able to use my credit card without having access to it. Chases conclusion ignores the reality of " shimming '' or sophisticated card cloning. The physical presence of my card does not preclude the possibility of a cloned chip or thought XXXX XXXX or compromised data being used at a terminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
Someone use my name to get a school loan and I had no knowledge of it.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX I visited the Bank of America XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to request an early withdrawal of my CD account and a wire transfer of {$350000.00} to XXXX XXXX. Representative XXXX XXXX processed the CD withdrawal but only provided the CD cancellation receipt. She verbally confirmed the wire transfer had been completed and that a confirmation email had been sent to me. On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX I called XXXX XXXX requesting written proof of the wire transfer. She again confirmed it was completed and that an email had been sent. The only email I received from Bank of America that day stated : " We received your consent to share your account info with XXXX XXXX via XXXX XXXX XXXX. '' This contains no wire transfer reference number, confirming the wire was never executed. Since the wire transfer was never initiated, I was forced to personally execute XXXX XXXX transfers : {$250000.00} on XX/XX/XXXX ( Reference ID : XXXX ) and {$100000.00} on XX/XX/XXXX ( Reference ID : XXXX ). As a result, XXXX placed a security hold on my funds until XX/XX/year>, preventing me from executing planned investment transactions for XXXX days and causing direct financial damages. I am requesting financial compensation of a minimum of {$4700.00} for direct damages, calculated as follows : XXXX XXXX dividend income during the XXXX hold period : {$1400.00} XXXX XXXXXXXX interest on held funds during the XXXX hold period : {$380.00} Early CD withdrawal penalty paid due to this error : {$2800.00} This amount represents only the minimum direct financial damages. Additional compensation may be warranted for stress, time lost, and indirect financial impact.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing this complaint against Cash App for a failure to conduct a good-faith investigation into unauthorized transactions as required by the Electronic Fund Transfer Act ( Regulation E ). On XX/XX/year>, my lost debit card was used for an unauthorized ATM withdrawal of {$400.00} at XXXX XXXX XXXX. Specific Points of Dispute : Evidence of Fraudulent Pattern : In addition to the successful {$400.00} withdrawal, the unauthorized user made multiple attempts to withdraw larger sums of {$500.00} and {$500.00}, which were declined due to insufficient funds. These multiple failed high-dollar attempts are clear indicators of unauthorized " trial and error '' by a third party, yet Cash App ignored this in their investigation. Factual Error in Records : Cash App agents incorrectly recorded that my wallet was " stolen from my purse. '' I explicitly stated I lost a change pouch. This misinformation has corrupted the investigation. Violation of 12 CFR 1005.11 : Cash App denied my claim stating the transaction was " authorized. '' I formally request a copy of all documents and data relied upon to make this determination, as required by federal law. Communication Barriers : Despite speaking to 8 agents, I was misinformed about my right to submit evidence, and the dispute department refuses to speak with customers via phone, if requesting a supervisor or manager Desired Resolution : I request a full refund of the unauthorized {$400.00} withdrawal. I also require the full investigation report regarding the XXXX XXXX XXXX transaction and the associated declined attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: Hidden Meadow Lending
State: NY

Complaint narrative:
The loan was not explained to me properly. The fact that they can get my wages was not clear to me. I tried gettign payment arrangement but im mot working and they want weekly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Tried to call to figure out my debts XX/XX/XXXX XXXX and back in XX/XX/year>. Each time they wouldnt give me the correct information on how to make a payment plan .Added more money onto the original debt. Today i asked for help and to make sure i wouldnt receive a receipt for payment and the guy yelled at me on the phone trying to make it seem like i was yelling at him. This was a supervisor. This company is stopping me from taking care of my debts. I got this number from the old apartment place. I was never notified that they took over my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: GOLDMAN SACHS BANK USA
State: ME

Complaint narrative:
I am filing a complaint regarding a denied credit card dispute with Goldman Sachs Bank USA ( Apple Card ). On XX/XX/year>, I was charged {$3300.00} by XXXX XXXX XXXX for multiple items, including a gong and bowls. When the items arrived, some of them were damaged and unusable, including a cracked gong and a defective bowl. I immediately contacted the merchant and requested instructions to return the damaged items and asked for a refund. I also requested that the merchant cover return shipping due to the items arriving broken. The merchant did not properly resolve the issue and did not provide a reasonable solution. I filed a dispute with my credit card company and submitted clear evidence, including photos of the damaged items, proof of purchase, and communication with the merchant. Despite this, the bank concluded that there was no evidence to substantiate the claim, which is incorrect. This dispute has been ongoing for over one year, and I have made good faith efforts to resolve the issue. The items I received were not in acceptable condition and are not usable. I should not be required to pay for damaged goods. These goods are not merchantable and not fit for their intended purpose. I am requesting a full reversal of the {$3300.00} charge, restoration of the credit, and a fair reinvestigation of this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: CA

Complaint narrative:
" This is a follow up to my prior CFPB complaint. I am filing this new complaint to report additional violations by Nelnet Inc. I am a confirmed victim of identity theft. This federal student loan was opened on XX/XX/XXXX without my knowledge, authorization, or consent. I have never made a single payment to Nelnet, never attended school under this loan, never received any disbursement funds, and never signed any application. New developments since my prior complaint : XX/XX/XXXX Both Nelnet accounts were deleted from my XXXX credit report following a valid fraud block under FCRA Section 605B. XX/XX/XXXX Nelnet certified both accounts as valid and accurate to XXXX causing improper re-insertion of both accounts without proper written notice to me as required by FCRA Section 611 ( a ) ( 5 ) ( B )XXXX XXXX XXXX XXXX I mailed a formal Debt Validation Demand to Nelnet via XXXX XXXX Mail demanding all origination documents including the original signed application, promissory note, school enrollment verification, and disbursement records. Nelnet has not responded to this demand. Nelnet continues to report these fraudulent accounts to XXXX despite : 1. Being unable to produce any origination documents 2. Receiving a formal debt validation demand 3. Receiving a formal cease and desist order 4. Having an active CFPB complaint on file 5. Overriding a valid FCRA Section 605B fraud block The balance history on these accounts confirms the last payment was {$0.00} on XX/XX/XXXX no actual payment has ever been made by me. Any current payment status shown during XXXX years is entirely due to the federal pandemic forbearance program not payments I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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:
My debit account had unauthorized and unfamiliar charges from XXXXXXXX XXXX XXXX XXXXXXXX starting in XX/XX/XXXX. I noticed the charges in XX/XX/XXXX, and the total amount that was charged by this vendor was {$9000.00} over the course of 4 months. I filed a claim and disputed the charges with CHASE and informed them that these are fraudulent charges as i do not even use XXXX. The bank told me they will need 10 days to investigate, however within 3-4 days i receive an email saying my claim has been denied. I called chase and spoke with at least 5-7 different employees, with no help besides telling me i need to speak with XXXX. I tried re submitting/ appealing the claim, however nothing was done. Instead i was told that i authorized these fraudulent charges, per their inadequate and negligent investigation. This is a clear breach of their duty, duty to protect accounts from fraudulent transactions, duty to protect consumer information and flag more than 50 unrecognized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently went through an unexpected XXXX and Im already having a hard time managing the medical expenses, so this situation with my credit report has made things even more overwhelming. Because of the inaccurate items showing up, Ive been disqualified from a medical financing program that could have really helped me. Ive tried multiple times to resolve the issue with these fraudulent inquiries, but nothing has been fixed. These inquiries are not mine, and I have no connection to them at all. Its stressful dealing with this, especially knowing Ive been a victim of identity theft, and its also affecting my ability to move forward with important goals like buying a home and supporting my family.

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 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: SC

Complaint narrative:
Issue : Disputed debt and ongoing collection attempts after membership cancellation Company : ABC Fitness Solutions , LLC I am disputing an alleged debt related to a Retro Fitness membership in XXXXXXXX XXXX that I do not believe I owe. I joined the gym temporarily while visiting the area in XX/XX/year> and canceled my membership in XX/XX/year> after leaving. I also contacted the gym by phone, and their staff confirmed that my membership had been canceled. Despite this, XXXX XXXX XXXX has continued to attempt to collect payment, including repeated robocalls and emails stating that my account is past due. Because I do not live in the area, my cancellation was handled remotely. I do not have written confirmation, but I relied on the gyms verbal confirmation that the membership was canceled and no further charges would apply. I have made multiple good-faith attempts to resolve this issue directly with the gym, including several phone calls and emails requesting confirmation, but I have not received a response. I also disputed the charges with my credit card company after cancellation, and those charges were reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
On XX/XX/year>, I discovered that my Cash App card was missing. I immediately contacted Cash App support, and a representative marked the card as lost/stolen and placed an order for a replacement card. During the time my card was lost and not in my possession, multiple unauthorized transactions were made on my account. I did not authorize or benefit from any of these transactions. The unauthorized transactions include : Two charges from XXXX XXXX for {$7.00} and {$1.00} on XX/XX/year> One charge from XXXX XXXXXXXX XXXX XXXX XXXXXXXX for {$35.00} on XX/XX/year> XXXX charge from XXXX XXXX for {$43.00} on XX/XX/year>, which was a card-present transaction in XXXX, XXXX ; a location I did not visit. At the time these transactions occurred, I did not have possession of my card and did not share my card or personal information with anyone. There is no possibility that someone known to me made these transactions. These charges were the result of unauthorized use of my lost card by an unknown individual. A dispute for the transaction from XXXX XXXXXXXX XXXX XXXX XXXXXXXX, made under the same circumstances, was previously approved by Cash App, confirming that I did not have my card at the time. Additionally, I have contacted XXXX XXXX directly, and they are currently investigating and working toward reimbursement. However, Cash App denied the claim for the XXXX XXXX transaction without providing a sufficient explanation or evidence of a proper investigation. The basis for denial was inconsistent and referenced a separate blocked merchant, which is unrelated to this unauthorized transaction. At this time, the only reimbursement I am seeking is for the XXXX XXXX charge in the amount of {$43.00}. I believe this matter was not properly investigated. Under the Electronic Fund Transfer Act, I am requesting reimbursement for this unauthorized transaction and a thorough investigation in compliance with federal consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Company : PennyMac Product : Mortgage Issue : Incorrect information on credit report / Problem with payment processing What happened : On XX/XX/XXXX, I called PennyMac to make a mortgage payment. Their representative took my payment information over the phone, but the payment was never processed and there is no record of it in their system. At the time, late fees were credited back, indicating acknowledgment that there was an issue. Also on XX/XX/XXXX, I re-established auto pay after my prior bank account had been compromised due to fraud. The new account was confirmed and auto pay was properly set up. However, just four days later, on XX/XX/XXXX, PennyMac canceled my auto pay for the upcoming XXXX payment without my knowledge or authorization. This cancellation was not initiated by me. I was later informed that because the XX/XX/XXXX payment was never processed, PennyMacs system canceled my auto pay on XX/XX/XXXX. This directly caused my account to become more than 30 days past due. On XX/XX/XXXX, I spoke with a representative in the auto pay department who explained exactly how this occurred and acknowledged the issue. He stated he would determine how to correct it and call me back on XX/XX/XXXX after XXXXXXXX XXXX XXXX I did not receive that call. As of XX/XX/XXXX, the issue remains unresolved. All payments have now been made and auto pay has been re-established. Despite this, PennyMac has reported a 30-day delinquency to the credit bureaus. This is incorrect and the result of a servicing error, not a missed payment. The delinquency occurred because PennyMac canceled my auto pay without authorization shortly after it was set up. I have never had a late payment and this is my third loan with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint against my bank ( Bank Of America ) regarding an incorrect negative balance on my account. On XX/XX/year>, I contacted my bank about a negative balance that did not make sense because I had sufficient funds and overdraft protection enabled at the time of the transactions. A representative confirmed that this issue was due to a bank error. However, I was then told that the bank is unable to correct the negative balance, despite acknowledging fault. As a result, my account remains negative due to an error caused by the bank, and I may be subject to additional fees or financial harm. I am requesting : - Immediate correction of my account balance - Reversal of any fees caused by this error - Written confirmation of the banks error and resolution This situation is unfair and unacceptable, as I should not be held responsible for a bank mistake.

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 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Payfare International Inc.
State: AL

Complaint narrative:
I am filing a complaint regarding a payment discrepancy involving earnings from the XXXX XXXX and its associated payment service, XXXX XXXX ( powered by Payfare ). On a recent interaction, XXXX support informed me that a payout had been initiated to my account. However, when I contacted XXXX XXXXPayfare directly, I was informed that there is no record of any deposit, no initiated transfer, and no account activity reflecting such a payout. At the same time, my account is currently showing a negative balance of approximately {$520.00}, despite no confirmed payout or transaction history that would justify this adjustment. This creates a clear discrepancy between XXXX representation of a completed payout and the payment processors records, which show no such transaction exists. As a result, I am unable to access funds that should be available and am instead being shown a negative balance. I have attempted to resolve this issue directly with both XXXX and Payfare, but have received conflicting information and no resolution. I am requesting : A full investigation into the missing or unaccounted funds Confirmation of whether any payout transaction was actually processed Correction of any inaccurate account balances Documentation of transaction history related to this issue This situation has caused financial harm and raises concerns regarding the accuracy and handling of consumer funds across these platforms.

Company response to consumer: Closed with explanation