vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Carvana Group, LLC
State: VA

Complaint narrative:
I made a down payment of {$5700.00} to Carvana for a vehicle purchase on XX/XX/year>. Carvana canceled the transaction, but my money has not been refunded. The charge has already posted to my account, meaning Carvana has received the funds. However, they have failed to return the money or provide a clear refund timeline. I have contacted Carvana and have not received a resolution. This is an unauthorized retention of funds and is causing financial hardship. I am requesting an immediate refund of my full down payment and formal review of Carvanas handling of canceled transactions and customer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding an unresolved wire transfer sent from my account at SoFi to my own account at XXXX Bank. On XXXX, I initiated a {$1800.00} wire transfer intended for my personal account at XXXX Bank. XXXX uses XXXX XXXX as an intermediary bank for incoming wire transfers. However, SoFis wire system did not provide a clear or proper option to include intermediary bank details. As a result, I attempted to complete the wire by using XXXX routing and account information in the transfer instructions. The wire was intended for me, and my name and address were included as the beneficiary, but due to limitations in SoFis system, the funds were not properly routed to my XXXX account. The funds appear to have been received or held by XXXX as the intermediary bank. I do not have an account with XXXX, and therefore I have been unable to obtain assistance directly from them. Despite multiple attempts over an extended period ( over one year ), I have not received a resolution, and the funds have not been credited to my XXXX account or returned to me. I have contacted SoFi and XXXX Bank, but the issue remains unresolved. I am requesting a formal investigation into this wire transfer, including a full trace using XXXX ( XXXX ), and a clear determination of where the funds are currently held. I am seeking the immediate recovery and return of my funds, or proper completion of the transfer to my intended account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: PA

Complaint narrative:
I am filing a complaint regarding an unresolved student loan servicing error. My loan account was impacted by a known system error communicated by my loan servicer ( CRI ), which caused my account to revert to a prior repayment status and display an incorrect, significantly higher payment amount. I was informed by the servicer that : The issue was a system-wide error The Department of Education is aware and working on remediation My account would be corrected My credit would not be impacted A formal letter of explanation would be sent I was later told the issue was expected to be resolved by XX/XX/year>. That date has now passed, and : My account balance and amount due are still incorrect I have not received any written communication or formal explanation No clear timeline for resolution has been provided My account continues to reflect a falsely inflated amount due Despite this, I have continued to make my normal monthly payments in good faith. I also previously filed a complaint through XXXX and have not received a response. I am requesting : 1. Immediate correction of my account balance and payment amount 2. Written confirmation that no negative credit reporting will occur as a result of this error 3. Reversal of any interest or capitalization that resulted specifically from this servicing error 4. A formal written explanation of the issue and resolution This ongoing lack of resolution and communication is unacceptable and is causing unnecessary financial uncertainty.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am disputing the denial of Claim # XXXX regarding a transaction with the merchant XXXX, XXXX. The financial institution denied my claim for " Merchandise Not Received '' because the original transaction date exceeded a 60-day notification window. However, this was a long-term pre-order where the merchant provided continuous updates, making a 60-day limit from the purchase date inapplicable.Chronology of the Dispute : XX/XX/XXXX : I placed an online order for a coffee machine and accessories totaling $ XXXX XXXX, XXXX : After nearly a year of production delays, the merchant successfully issued a partial refund of {$62.00} for one item. This action confirmed the order was still active and refundable well past the initial 60 days.XXXX XXXX, XXXX : Following further delays, the merchant explicitly agreed in writing to cancel the remaining order and stated the refund for the balance of {$800.00} was " in our queue '' .XXXX XXXX, XXXX : I issued a final demand for the refund after the merchant stopped responding to follow-up inquiries.XXXX XXXX, XXXX : I filed a dispute with my financial institution.XXXX XXXX, XXXX : The claim was denied.Basis for Complaint : The " error '' in this case is not the XXXX purchase, but the merchants failure to honor the refund agreement they made on XX/XX/XXXX. My dispute was filed within 30 days of that new agreement. The financial institution has failed to protect me from a merchant that has held {$800.00} of my funds for 22 months without delivering any merchandise, despite the merchant admitting in writing that a refund is owed.

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 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I am filing this complaint regarding an auto loan that I obtained under deceptive and misleading circumstances involving an individual who represented that they could assist with improving my credit and obtaining funding. This began in or around XX/XX/year>, when a credit repair specialist advertised a {$150.00} credit sweep service, which I purchased. After my credit score increased, I was told that I could obtain funding and was instructed to apply for an auto loan. I was not informed that the loan would be structured in this way until after the process had already begun. I was then directed to use a third partys vehicle as part of the transaction. Once approved, a check for approximately {$17000.00} was issued with my name and another individuals name on it. I was instructed that the funds would be deposited and then provided to me. However, I did not receive the funds as expected. I was only given approximately {$3000.00}, and the remaining funds were not provided to me. I contacted the lender to understand what happened and was informed that the check had already been deposited and cashed. This directly conflicted with what I was being told by the individual involved. After this point, I was unable to obtain clear answers or access to the remaining funds. I contacted the individual involved for months after this, including into XXXX, and I was still unable to obtain the remaining funds. I believe I was misled and financially exploited in this situation. I did not have control over how the funds were handled and did not receive the benefit of the loan proceeds. I am requesting a full investigation into how this loan was processed, how the funds were disbursed, and who ultimately received them. I also request that this account be reviewed for removal or appropriate adjustment due to the deceptive circumstances involved.

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 2026-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
Sent in loss Mitigation application due to falling behind on payments. Currently in situation where bills/obligations are outweighing income. Received no phone calls or emails about the status of the application. Only indication that anything was considered was on the website under workout status. It says workout rejected. No explanation, no communication. I only saw this because I went on the site to take a look at something and just happened to discover this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I opened a credit card account with XXXX XXXX around XXXX. In XXXX, I became a full-time medical student and was unable to continue working, which led to missed payments and eventual account closure. In or around XXXX, the account was transferred or sold to Portfolio Recovery Associates for collection. Since that time, I have received repeated and frequent phone calls from this company. These calls have occurred on a near-daily basis for approximately XXXX to XXXX years. I believe the volume and frequency of these calls are excessive and constitute harassment. Despite the repeated contact, I have not been provided with clear or reasonable options to address the debt without ongoing disruption.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I opened a utility account with XXXX XXXX XXXXXXXX for a residence and later moved out of the property. After I moved out, the account continued to accrue charges under my name even though I no longer lived at or used services at that location. I contacted the company by phone to cancel service, however they are now claiming they have no record of this. Regardless, I was no longer residing at the property and should not be held responsible for any charges incurred after my move-out date. I am not responsible for any balance generated after I vacated the residence. I have disputed this account multiple times, yet it continues to be reported and the balance is periodically adjusted by small amounts. I am requesting full validation of this debt, including proof of service usage tied to me after I moved out, proof I was still responsible for the account during that time, and documentation of how this balance was calculated. If this can not be provided, this account must be removed immediately from all credit reporting agencies. Continued reporting of inaccurate information may constitute a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: FL

Complaint narrative:
This complaint concerns violations of federal consumer protection laws, including the Fair Credit Billing Act ( 15 U.S.C. XXXX ) and the Truth in Lending Act ( 15 U.S.C. XXXX et seq. ). I paid my full statement balance over XXXX months ago, as supported by my bank statements and credit card records. Despite fulfilling all financial obligations, my account was improperly deactivated. In addition, I reported multiple unauthorized transactions associated with XXXX, which I did not authorize. These charges were formally disputed ; however, the company has failed to conduct a proper investigation and has refused to issue the required refunds, in direct violation of the Fair Credit Billing Act. Furthermore, the company continues to unlawfully retain my secured deposit, even though the account is fully paid and no longer active. This constitutes an improper withholding of consumer funds. I have made multiple attempts to resolve this matter directly with customer service. My requests have been ignored or denied without justification. I am requesting the following corrective actions : Immediate refund of all unauthorized and disputed XXXX transactions ; Immediate return of my secured deposit ; Written confirmation that the account has been properly closed with a XXXX balance ; Correction of any inaccurate reporting to credit bureaus, if applicable. If this matter is not resolved promptly, I will pursue further legal remedies, including escalation to the Federal Trade Commission and filing a claim in small claims court. All supporting documentation, including bank statements and screenshots, is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2026-03-26 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: AZ

Complaint narrative:
Please help I initiated a {$3000.00} XXXX transfer from Bank of America. The transaction was delayed. I contacted Bank of America and was instructed that canceling the transaction would return the funds within minutes. Based on this information, I canceled the transaction. However, the funds have not been returned and are currently missing. This misinformation has caused financial harm and distress. I am requesting : Immediate return of the {$3000.00} Full explanation of where the funds are Accountability for incorrect information provided by the bank representative I request urgent resolution. Please help When called BofA they act very careless asking the same question and not listening this adding insult to injured. We can request the call recording so you can hear Please help 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 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
opened the card about a month ago ( XX/XX/XXXX ) and used it for XXXX days before a hold was placed, requiring identity documents ( drivers license, Social Security card, utility bill ). I faxed documents twice ( {$20.00} each time ), then mailed them overnight ( $ XXXX {$40.00} ). On XX/XX/XXXX, an agent confirmed receipt and removed the hold. I used the card until last week when holds returned while trying to get a cash advance. Multiple agents temporarily lifted them, but the holds kept returning. A supervisor eventually helped, but now the hold is back again. Despite previous verifications, Barclays claims they cant verify me now. Im seeking permanent resolution, reimbursement of my costs, and an end to these recurring holds.

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 2026-03-26 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: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACTIONS THAT WAS TAKEN BY ME MADE A POLICE REPORT CHANGED MY LOGIN INFO BECAUSE THE HACKER WAS IN MY ACCOUNT CONTACTED XXXX XXXX CONTACTED MY BANK SEVERAL TIMES FOR AN APPEAL SENT IN SCREENSHOTS OF THE HACKER CHanging MY PHONE NUMBER ON MY ACCOUNT TO GET CODES TO HIM/her Phone also my mailing address was changed the bank has not looked into and BASICALLY TOLD ME THEY GAVE THE MERCHANT WHAT THEY WANTED I DONT HAVE ACCESS TO XXXX XXXX DONT USE IT MY ACCOUNT WAS HACKED INTO AND XXXX $ was stolen also was trying to make person to person payments that is how I caught that my money was being stolen also they was texting support approving transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Line 5, LLC
State: TN

Complaint narrative:
I am writing to formally dispute a debt you are attempting to collect related to alleged warranty products ( Line5XXXX ) associated with a vehicle transaction at XXXX of XXXX ( XX/XX/XXXX ) dated XX/XX/scrub>, 2025. This transaction was cancelled in full on XX/XX/year>2025, and I received a full refund of my {$1100.00} down payment. I never took possession of the vehicle, and the associated financing through XXXX was never funded. Because the underlying transaction was cancelled and no valid contract exists, any warranty or service contract allegedly associated with that transaction is invalid and unauthorized. Despite this, you have continued to contact me via calls and text messages attempting to collect on this invalid debt, including threats of credit reporting. Accordingly : XXXX. I dispute this debt in its entirety XXXX. I demand full validation of the alleged debt, including : A signed agreement specifically authorizing the warranty AFTER cancellation Proof the underlying vehicle sale was completed ( it was not ) XXXX. I demand that you cease and desist all telephone and electronic communication with me immediately All further communication must be in writing only. Be advised that your actions may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. Continued attempts to collect on an invalid debt, or failure to properly validate it, may result in formal complaints and legal action. I am maintaining detailed records of all communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: WI

Complaint narrative:
I have been making custom payments for over a year now. Rocket mortgage always saved the payments and applied them to my monthly mortgage payment. Now, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX they applied all XXXX payments to Principle of the loan. I did not select Principle in the App so these were just normal payments. XX/XX/XXXX I tried to call customer service all day, I figured they were closed as to no answer. So, I emailed servicing help XXXX different occasions. The reply I got was sent until XX/XX/XXXX and they only fixed XXXX payment. This is negatively affecting my credit score and now Im having to make an extra mortgage payment making my life impossible. I was looking at refinancing with this company but have changed my mind due to their incompetence and over priced closing costs. They wanted {$8000.00} to refinance???

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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 a complaint regarding an unauthorized electronic funds transfer from my Chase bank account that was improperly denied. On or about XX/XX/year>, my account was compromised as part of an account takeover. An unauthorized party gained access to my linked XXXX account and initiated transactions without my knowledge or consent. As a result : Approximately {$28000.00} in cryptocurrency was transferred out of my XXXX account to an unknown external account. An additional {$37000.00} was transferred from my Chase bank account to XXXX and used to purchase cryptocurrency without my authorization. I did not authorize these transactions, nor did I provide consent to any third party. This was not a voluntary payment or transfer. This was a clear case of unauthorized access and fraud. I reported the incident promptly upon discovery on XX/XX/year>, and took immediate action to secure my accounts. I had asked Chase to stop the pending transaction in the amount of {$35000.00} and was advised by the representative that they couldn't. I asked that at a minimum freeze my account to avoid further transaction which was also advised that they couldn't. An additional {$2000.00} and {$100.00} transactions were completed. I went into the XXXX XXXX branch on XX/XX/year> to file a formal claim and complaint against the representative that refused to freeze my account. The XXXX account was frozen and was unable to withdraw the available funds. The account has since then been un-frozen, however I was only able to recover {$14000.00} and the additional funds in the amount of {$22000.00} associated with the {$37000.00} transfer remain in the account in the form of cryptocurrency. Despite this, Chase denied my claim, incorrectly asserting that the transaction was authorized. This determination is inconsistent with the protections provided under the Electronic Fund Transfer Act ( Regulation E ), which covers unauthorized electronic fund transfers resulting from account compromise. This situation meets the definition of an unauthorized transfer under Regulation E : The transfer was initiated by a third party without my authority It occurred after my credentials were compromised I received no benefit from the transaction I reported the issue within a reasonable timeframe

Company response to consumer: Closed with explanation