vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I wrote a check for {$20000.00}, and my uncle also wrote a check for {$20000.00}. transfer from XXXX XXXX XXXX Bank of America. Bank of America provided XXXX combined receipt for {$40000.00}. After I sent the funds, Bank of Americas fraud department called me, which made me very worried. I contacted XXXX XXXX, and they closed my account, but XXXX XXXX confirmed the money was released on their side. I went to a Bank of America branch and asked for help, but they didnt assist me in contacting the recipient, and the funds still have not been released. As of today, XXXX days later, I still have not received the money. This has caused me immense stress, as it is a large amount for my family. I have XXXX children, and the ongoing delays have led to arguments with my XXXX and increased XXXX. I request immediate release of the full amount and compensation for the hardship this delay has caused.

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 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AXOS FINANCIAL, INC.
State: CT

Complaint narrative:
Axos Bank Failure to Validate Deficiency, Missing Required XXXX Notices, Contradictory Information, and Inaccurate Credit Reporting Complaint Narrative : I am submitting this followup complaint because Axos Banks XX/XX/year> response failed to address the core issues raised in my original CFPB complaint and introduced new inconsistencies. Axos Bank admitted in writing that it can not produce the legally required Notice of Sale ( UCC 9611 ) or the postsale accounting statement ( UCC 9616 ) for my repossessed vehicle. These documents are mandatory. Without them, the Bank can not legally substantiate a deficiency balance or report one to consumer reporting agencies. Axos also stated that the remaining balance after the auction and GAP refund was {$4500.00}, yet they are reporting {$8000.00} to the credit bureaus. They did not provide any documentation supporting the additional charges, interest calculations, or how the balance increased by nearly {$3500.00}. This is inaccurate and inconsistent reporting in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, Axos claims that No WorryFree insurance was purchased, which contradicts written confirmation I received from the dealership/NALN at the time of purchase. This raises concerns about misrepresentation of ad don products and improper handling of ancillary product refunds. Axos also stated that a GAP refund was issued instead of filing a GAP claim. If GAP was included in the loan, the Bank was required to file the claim and apply the benefit to reduce the deficiency. Canceling GAP instead of applying it is improper servicing. Finally, Axos did not provide : A copy of the retail installment contract Addon product disclosures A deficiency calculation Proof of mailing of any required notices Any documentation supporting the current reported balance I am requesting that the CFPB require Axos Bank to : 1. Provide all legally required UCC notices and accounting statements, or confirm in writing that they can not. 2. Provide a complete deficiency calculation with supporting documentation. 3. Explain the discrepancy between the {$4500.00} balance and the {$8000.00} reported balance. 4. Provide documentation regarding all ancillary products, including GAP, VSC, and WorryFree coverage. 5. Correct or delete all inaccurate credit reporting if the deficiency can not be validated. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On today 's date XX/XX/year>, I received a promotional offer from JP Morgan Chase bank in my for a credit building Chase XXXX credit card designed to improve my credit score. This was promoted to me through my 'Credit Journey ' online profile with them. It asked minimal information of me and the disclosures did not indicate I might be declined. It sounded and looked like it was a pre selected product to help me. This was obviously misleading because when I submitted for the offer I received an immediate notice that I was declined and that I would receive a letter. Had I known there was a possibility of not being approved, I would not have submitted the application. Now I suspect I will have a hard inquiry from them on my credit bureaus without the benefit of the account that was supposed to help me. I would like the CFPB to require they remove any hard inquiries related to this application from my credit bureaus as this was a highly misleading advertisement. I also would like CFPB to investigate their marketing on this product as it is very misleading and unfair to those trying to repair their credit. Chase is the largest financial services company in the US and should not be engaging in deceptive marketing practices like this. If they want to help their customers then DO IT. Don't act like you care and are willing to help when you have intention to mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MS

Complaint narrative:
I filed multiple disputes with Chime Financial , Inc. regarding unauthorized transactions under the same claim, reference, and supporting evidence. Despite the disputes being related and supported by the same documentation, Chime has issued inconsistent determinations. Dispute numbers : XXXX Approved XXXX Approved XXXX Denied / Reopened XXXX Denied / Reopened XXXX Denied/ Reopened / Denied XXXX In Progress XXXX In Progress XXXX In Progress I have contacted Chime multiple times to address these discrepancies and request clarification as to why some disputes were approved while others with the same evidence were denied or remain unresolved. Representatives have repeatedly been unable to explain the inconsistent decisions and have stated they do not know the reason for the differing outcomes. Because these disputes are all connected to the same issue and have not been handled consistently, I am requesting a full review and correction of all related dispute determinations. I have issued a formal XXXX notice of intent to pursue arbitration. If this matter is not resolved within XXXX days, I intend to file arbitration through the XXXX XXXX XXXX. XXXX practical note : saying within XXXX days of receipt is a little cleaner legally than just in XXXX days, since delivery timing can vary. If the CFPB form has room, you could swap that last sentence to : If this matter is not resolved within XXXX days of receipt of my notice, I intend to file arbitration through the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: PA

Complaint narrative:
To the Consumer Financial Protection Bureau : I am submitting this supplemental response regarding Selene Finance LPs XX/XX/year> reply to CFPB Case No. XXXX concerning the mortgage loan for XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Selene stated in its response : On XX/XX/year>, a tax disbursement in the amount of {$3900.00} was issued to the XXXX XXXX XXXX XXXX XXXX for school taxes. This statement appears inaccurate or materially misleading. I personally paid the XXXX XXXX XXXX XXXX XXXX directly using my own funds. The official receipt identifies me as the payer and states : PAID BY : XXXX XXXX Amount Paid : {$4400.00} Receipt Date : XX/XX/year> The payment included amounts above the base tax due, including penalty/costs, indicating the taxes had progressed to a delinquent stage before payment was made. Because Selene previously acknowledged that the loan transferred into its system without an active escrow account, this discrepancy is extremely concerning. I respectfully request that CFPB require Selene to provide : 1. Documentary proof of any tax payment Selene claims to have made to XXXX XXXX XXXX XXXX XXXX, including canceled check, ACH confirmation, wire confirmation, or other evidence of cleared funds. 2. A corrected statement if Selene did not actually make this payment. 3. A complete escrow ledger from servicing transfer through present, including all credits, debits, disbursements, and balances. 4. A detailed explanation of how Selene calculated the claimed escrow shortage of {$9200.00}. 5. A detailed explanation of the claimed escrow advance balance of {$2600.00}, including whether amounts I personally paid were improperly included. 6. Confirmation whether any penalties, costs, or added charges caused by delayed tax payment will be reimbursed or removed from my account. 7. Confirmation that no negative credit reporting occurred due to payment increases or escrow issues caused by the servicing error. I appreciate Selenes acknowledgment that the loan was boarded without an active escrow account. However, the claimed tax disbursement conflicts with my receipt showing that I personally made payment. I request a full and accurate accounting. Thank you for your assistance. XXXX XXXX Successor in Interest

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I saw a XXXX online of someone selling XXXX XXXX XXXX tickets for a very fair price, so I went to purchase and we agreed to purchase all 3 tickets for {$750.00} each. The seller claimed they had extra tickets because someone tried to surprise her with tickets, but she already had some thus resulting in 3 extra tickets and she wants them to go to a group that will enjoy them We agreed for me to send {$750.00} for 1 ticket, seller would transfer tix, and we would repeat process until all 3 tix were in my possession. I send the initial {$750.00} via XXXX XXXX per seller request and the seller then says she is unable to transfer individually, only 3 tix all at once and asks for full amount to which I began to feel suspicious. I call ticket master and ask for them to look up her order number ( she sent photos of the order to me with ID when i asked for proof of purchase ) and XXXX is unable to find order I look up the phone number she is using to contact me and it says history of scam. Also she is asking me to send money to multiple different numbers/area codes that differ by state and i was also suspicious of that. I ask her to send the money back because i dont feel comfortable and no response

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 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am submitting this complaint regarding the handling of my Apple Card account by Goldman Sachs Bank USA, specifically concerning the closure of my account while multiple disputes were active and under reinvestigation. This issue must be viewed in the context of my prior complaints filed with the Consumer Financial Protection Bureau : * Complaint XXXX ( unauthorized transactions ) * Complaint XXXX ( credit limit review concerns ) * Complaint XXXX ( failure to conduct a reasonable investigation ) These complaints all relate to the same underlying issue : unauthorized transactions on my account and the banks failure to properly investigate them as required under the Fair Credit Billing Act. After repeatedly reporting unauthorized transactions and requesting proper investigation, Goldman Sachs initially denied the disputes with generic conclusions. I then escalated the matter, including filing complaints with the CFPB and requesting a reinvestigation. During the reinvestigation process : * Temporary credits were issued * My account was placed under review * I fully cooperated and provided consistent responses confirming that the transactions were not authorized However, shortly after these actions and while the disputes were still active, Goldman Sachs proceeded to close my account. This raises serious concerns for the following reasons : 1. The account was closed while disputes were still under active investigation 2. The timing of the closure occurred after multiple CFPB complaints and requests for reinvestigation 3. No clear or specific explanation was provided beyond a general reference to customer agreement 4. The underlying dispute regarding unauthorized transactions remains unresolved While I understand that financial institutions may close accounts, doing so during an active dispute process raises questions about whether proper procedures were followed and whether the investigation was conducted in good faith. I am requesting that the CFPB review : * Whether Goldman Sachs conducted a reasonable investigation as required under the Fair Credit Billing Act * Whether closing the account during an active dispute process complies with consumer protection standards * Whether the banks actions affected my ability to fairly resolve unauthorized transactions I also request confirmation that : * My account will not be reported negatively due to these disputed transactions * The dispute process will continue independently of the account closure * A clear and evidence-based explanation will be provided regarding the final determination of the disputed transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
XXXX XXXX {$400.00} payment was made. It was reversed on XX/XX/XXXX, claiming the bank returned my payment and Crefit Acceptance stated they never got payment. I sent in my bank statement confirming the {$400.00} was removed from my bank balance on XXXX and XXXX XXXX any form of return on XXXX. I also spoke with my bank with a Credit Acceptance Rep on the phone on XX/XX/XXXX, who confirmed there was no reversal or anything wrong with my account in XXXX to warrant a return. Credit Acceptance is refusing to credit my account. I also have excessive interest fees that is being applied making my valance excessively high for a XXXX XXXX and high and different amount of late fees as well.

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 2026-04-30 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: CA

Complaint narrative:
I'm a Chase Sapphire Reserve rewards credit card holder. As part of their rewards program, they have a program called The Edit. You can access The Edit through the Chase App to make bookings. The booking requires Pay Now, which I paid in advance. The travel advisor said that my stay is not eligible. I asked her why it wasn't available for the {$250.00} credit and she said it wasn't The Edit hotel. I proceeded to ask the travel advisor how I know which hotels are eligible on The Edit site since not all hotels listed on The Edit site are eligible. She said that you would see The Edit logo on the property and I have The Edit logo on my receipt for the hotel I booked. This was incorrect information provided so I asked to speak with a supervisor, which she said she was the supervisor, and refused to connect me to someone in management. She could not give me any further criteria on how I know if a hotel on The Edit site actually qualifies for The Edit credit. My original complaint was put in on XX/XX/XXXX and I've had to call twice within 30 days to receive an unsatisfactory resolution on XX/XX/XXXX. Chase is offering a reward that is misleading to its consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
XX/XX/year> money was sent to a Bank of America account XXXX XXXX XXXX XXXX bank address XXXX XXXX XXXX. XXXX XXXX, NV XXXX in the amount of {$140000.00}. I made attempt to get in touch with the bank with no response. The money was to go to a trading platform called XXXX which as far as I can tell is completely shut down and was a fraudulent platform and a pig butcher scam. It was done with an online XXXX so called XXXX XXXX XXXX XXXX.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2029 I got a text from XXXX saying my payment of XX/XX/XXXX was not accepted by Capital One Bank and an email from XXXX saying my payment on XX/XX/XXXX was likewise not accepted. I called Capital One and spoke to an agent and a manager and they refused to tell me why my account was frozen. I was given absolutely no notification from Capital One Bank that my account was frozen and only knew about it when I started getting notices from the 5 companies I had paid using my Capital One checking account but refused to honor. I made a complaint of fraud, elder abuse ( I am XXXX and can't use my account ) and theft as I can't use my money for no reason that I deposited in the bank. I was told I would be contacted in XXXX days. I am a minister and a senior citizen and I was handled as if the US is a country where I have no rights. This action by Capital One is a violation of the UN Declaration of Human Rights and the US Constitution and Bill of Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate reporting of a Barclays credit card account. I paid this account in full using a cashiers check to resolve the balance. The account now reflects a {$0.00} balance and is closed. Despite this, the account continues to be reported with a derogatory status, including a charge-off and severe delinquency history, which does not accurately reflect the current condition of the account. I made a good faith effort to resolve this account and have fulfilled my obligation. The continued negative reporting is misleading and is significantly impacting my credit profile. I have contacted the company to address this issue, but the reporting remains unchanged. I am requesting that this account be updated to accurately reflect its paid status or removed if the information can not be verified as accurate.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank locked my account because I deposited one check that came back as unpaid it was a error and they locked my account and calling it fraud I never got the funds only did one check and was a simple mistake my account is in the positives and they locked my account talking about they may close it over a simple mistake its unnecessary and its poor customer service

Company response to consumer: Closed with explanation