vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 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: OH

Complaint narrative:
In XX/XX/year> I removed an authorized user and requested a brand new number for myself. My authorized user was able to make purchases in XXXX and XX/XX/year> through XXXX XXXX where their card information was stored. I did not know this and thought there was fraud on my account. The Chase customer service told me these were valid purchases made from the account linked to my account through XXXX XXXX. This account should have been closed and purchases declined. I'll be honest, after I lost my temper the customer service offered to give me a new number ( again ) but why would I trust them. They also offered to clear those charges, but those charges should have NEVER gone through. I am shocked a company such as Chase could be so sloppy. I realize that because they offered to rectify the problem, I may not have a legitimate complaint, but they should not be able to get away with not closing an account when asked period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: UT

Complaint narrative:
I placed an order to XXXX on XX/XX/XXXX for two rings and one bracelet. One of the rings was cancelled because I wouldn't get it in time. They tried to refund my money but Cash app blocked it. The other two items were shipped even though I messaged the sellers telling them to cancel my order because they weren't going to arrive in time. One item says stuck in customs according to tracking info and I don't know what the other days because there is no info. But I received nothing. I escalated all three with XXXX but they closed them all because there is an open chargeback with cash app. And cash app is supposed to handle the dispute. But the dispute has been open with cash app since XX/XX/XXXX and there has been no update no anything on my dispute. They keep telling me it can take up to 45 days even though it has been almost 50. I have provided proof of everything I have mentioned to cash app and still nothing. I have contacted cash app support at least 20 times with no progress no update no nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
Withholding of Federal Benefits Complaint Description : I am filing a formal complaint against Chime Financial , Inc. for the unlawful withholding and failure to return my federal Social Security benefits, in direct violation of federal banking regulations and the Electronic Fund Transfer Act ( EFTA ). My Social Security deposit was misdirected to an incorrect account number at Chime. Because the name on the Social Security deposit does not match the name on the receiving account, Chime was legally required to reject the deposit and return it to the originator ( the Social Security Administration ) within XXXX to XXXX business days. Instead, Chime has held my funds for 30 days. Furthermore, Chime sent me an email regarding this issue that was addressed to a completely different individual named " XXXX. '' This strongly indicates my funds were deposited into XXXX 's account due to Chime 's failure to verify names on incoming XXXX transfers, and constitutes a severe data and privacy breach. I have contacted Chime customer service XXXX times and have been completely stone-walled. I have already provided Chime with the official U.S. Treasury XXXX XXXX documentation and the formal Trace Number provided to me by the XXXX XXXX XXXXXXXX XXXX separate times via email. Chime has refused to act on this official government trace data. Chimes failure to return these funds has caused severe, immediate financial hardship, forcing me to file emergency hardship paperwork with the XXXX and a report with local police ( Incident Number provided upon request ). I am aware of Chime 's prior CFPB Consent Order regarding the illegal delaying of consumer refunds. Chime is repeating these exact non-compliant behaviors with my federal benefits. Furthermore, Chime 's unlawful withholding of my XXXX benefits has caused severe, immediate physical and emotional harm. I am a XXXX individual on a fixed income for XXXX XXXX XXXX and this financial deprivation has caused a XXXXXXXX XXXX crisis. Additionally, because Chime is withholding my funds, I am experiencing a lack of food and am completely unable to afford critical veterinary care or proper nutrition for my XXXXXXXX XXXX XXXX whose health is now in XXXX XXXXr due tXXXX XXXX XXXX XXXX XXXX issues. Chime 's continued failure to return my funds is directly causing catastrophic harm to my life and well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/XXXX and XXXX, 2026 funds were sent via XXXX and Wire transfer to unknown individual. in the amount of {$6600.00}. I have tried to resolve with Citibank, but they are denying the claims

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 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: VA

Complaint narrative:
After financing my vehicle ( XXXX XXXX ) through XXXX XXXX XXXX and making payments for approximately 1415 months, I attempted to sell the vehicle and discovered conflicting information regarding a prior lease record associated with the same VIN. When I contacted XXXX XXXX XXXX and XXXX XXXX XXXX for clarification, I received inconsistent and conflicting information from multiple representatives over several months : * I was initially informed that a prior lease account may still be active. * I was directed to the dealership ( XXXX XXXX XXXX ) to resolve the issue. * The dealership escalated the matter internally with XXXX XXXX XXXX. * I later received written communication stating that the prior lease had been terminated and closed. * I also received another explanation stating the prior lease account was not active but still showed a remaining balance being billed to a prior customer. * On a later call, I was again informed that both the lease and my current loan were active at the same time and that only the dealership could resolve the issue. In addition, I received a lien release acknowledgement document dated XX/XX/year>, which indicates the prior lease was formally released. However, despite this documentation, I continued to receive conflicting verbal and written statements regarding the status of the lease and loan accounts. Because of these inconsistencies, I was unable to obtain a clear and consistent explanation of the vehicles account status over an extended period. As a result, I experienced significant confusion, spent multiple months contacting both XXXX XXXX XXXX and the dealership, and lost potential vehicle resale opportunities and value due to delays and uncertainty during this period. Despite repeated attempts to obtain clarification, I have not received a single consistent written explanation reconciling the conflicting account status information. Note - During this period of ongoing uncertainty and attempts to resolve the issue, I delayed selling or using the vehicle while waiting for accurate account clarification

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint regarding a fraudulent Capital One credit card account.I did not open, authorize, or use this account. The account is not mine, and I believe it resulted from fraud or identity theft. I contacted Capital One and informed them that the account is fraudulent. The issue has not been fully resolved, and the account continues to negatively affect me.I am requesting that Capital One conduct a thorough fraud investigation, remove the fraudulent account and any related charges, correct any inaccurate credit reporting, and provide written confirmation of the results of the investigation.I request that all information related to this fraudulent account be removed from my credit file and that any damage caused by the fraudulent reporting be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX I made a deposit for {$1600.00} and the atm got jammed. The bank credited my account XXXX XXXX and displayed it would take 10 days to resolve it is coming up to XXXX weeks and I still do not have my money in my account. When I talk to the branch XXXX they transfer me to a line that hangs up on me every time

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Sofi advertised XXXX $ bonus if new checking account opened and direct deposits totaled XXXX $ + in first 25 days. I performed the following, opened account on XX/XX/year> and fully deposited payroll direct deposits by XX/XX/year> ( less than 25 days ). Contacted chat and not given the bonus. escalating here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am filing a formal complaint against Transworld Systems , inc. ( TSI ) for severe violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 US code 1692c ( b ) regarding unauthorized third party communications. On XX/XX/2026 at approximately XXXX, a representative ( XXXX XXXX XXXX from TSI placed an unauthorized phone call from XXXX to my daughter XXXX XXXX at her personal phone number. While debt collectors are strictly limited under 15 US code 1692b to contacting third parties exactly once solely to acquire location information, TSI representative went far beyond the scope of the law. The representative left an unauthorized voicemail on my daughters phone that explicitly disclosed my private, personal financial business and the existence of an alleged student loan debt. This constitutes an illegal third party disclosure. It has caused severe stress to my family and completely compromised my financial privacy. Furthermore, my federal student loans are currently in review for Direct Consolidation Loan and Income Driven Repayment ( IDR ) plan with the U.S. Department of Education as of Friday, XX/XX/2026. XXXX has been striped of authority over this account, yet they continue to use illegal, aggressive tactics against my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello I am writing to formally request an immediate correction to my monthly mortgage payment amount for XXXX XXXX.Because I did not receive my escrow analysis in the mail, I reviewed my account details online. Upon discovering an escrow shortage, I visited my local branch on XX/XX/XXXX to pay the full shortage amount of {$670.00}. Paying this shortage in full should have kept my new monthly mortgage payment at $ XXXX.However, my account has not been updated. My mobile app currently shows a payment due of {$1900.00} for XX/XX/XXXX, which incorrectly reflects the shortage spread across my monthly payments.I contacted customer service regarding this error. I was informed that the adjustment takes 10 business days to process. This timeline is unacceptable as it runs directly up to the payment due date, risking an unfair late fee for an error made by the bank. I can not afford the unadjusted payment amount, and the lack of immediate assistance from your support team is deeply concerning.Please expedite the review of my XX/XX/XXXX payment and manually adjust my XX/XX/XXXX due amount to the correct figure of {$1900.00} immediately.I look forward to your prompt response and confirmation of this fix.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 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: FL

Complaint narrative:
Previously there was a claim filed on my account which was found to be fraudulent. However within the same month there are still several transaction that were not noted by the bank i guess. All the transactions are in the same month its like the representative only choose to credit the transactiions that they picked. I recently got a chance to look over a ststement I just received and the following transactions have not been ccredited back to my account yet : XX/XX/year> XXXX, XXXX, XXXX 6 times, XXXX XX/XX/year> XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XX/XX/year> XXXX, XXXX, XXXX XX/XX/year> XXXX XX/XX/year> XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Central Research Inc
State: AL

Complaint narrative:
I called and spoke with someone to get loan forgiveness first time I was told I qualify if I pay {$310.00} monthly I cant afford this is my daughter who attends school I then called again and got a deferment Im suppose to pay XX/XX/year> XXXX cant afford it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On about XXXX I ask JP Chase to explain charges on my escrow account it's now been 21 days and no answer! On XXXX XXXX, XXXX, they show a payment of {$100.00} and sane date they show a payment of {$200.00} to principle! Why? I made 2 payments in a month and during that time, I was making 1 payment a month after that. I only made full payments! I I'm a XXXX survivor My brother did file bankruptcy, and he was on my mortgage per attorney at the time but my house was never part of bankruptcy! And this was explained to Chase several times by phone calls; was told it would be ok. Never was Ok As you and can tell I have been dealing with this for over a year now they won't answer me. They respond they will answer me in 2-3 days several times and nothing yet!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK
State: PA

Complaint narrative:
Mid First Bank and XXXX XXXX XXXX XXXX XXXX XXXX violated federal rules by foreclosing on my home while a loan modification was active. * XX/XX/XXXX : I accepted Mid First Bank 's XXXX page loan modification offer. I noticed the papers and mailed them back with payment. * paperwork Errors : The bank asked me to fix minor notary initialization formats, I cooperated and fixed them immediately. XX/XX/XXXX : Attorney XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) from XXXX XXXX XXXX rejected my payment.They said the tall-end mortgage terms were no longer acceptable. * The Harm : The bank kept my money locked up for nearly XXXX weeks. I could not use it to save my home. XX/XX/XXXX : The bank held a Sheriff 's Sale anyway, ignoring my active modification. Hidden Deed : The bank held the Sheriff 's Deed unrecorded for awhile year. they finally recorded it XXXX XX/XX/XXXX, to hide this violation. * Current Emergency : The house was sold to a buyer ( XXXX XXXX ). I am facing an active eviction case.I am currently living in the home under a temporary court injunction.

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Please note : This complaint is submitted to correct and completely replace my previous complaint, Case # XXXX, as I accidentally included XXXX text in that submission. ) I am filing this complaint against Wells Fargo regarding predatory and unfair monthly service fee practices leading up to my account closure. This account was opened in XXXX. Throughout the entire year of XXXX, no monthly service fees were ever assessed, which reasonably led me to believe that the account met all standard maintenance and waiver requirements. However, starting late last year, the bank suddenly and unpredictably initiated recurring {$15.00} monthly service fees without providing any explicit, prior notification regarding changes to the account terms or the expiration of any waiver periods. Draining a customer 's balance without proactive, transparent warnings constitutes an unfair and deceptive practice. Due to these unnotified charges, the account was continuously assessed a {$15.00} fee for XXXX consecutive months because the balance fell below the {$1500.00} minimum. On XX/XX/XXXX, the account was officially closed, and a " PAYOFF DEBIT '' of {$1200.00} was executed to mail out the remaining balance via check. On the exact day of closure ( XX/XX/XXXX ), the bank issued a " MONTHLY SERVICE FEE REVERSAL '' of {$15.00}. While this reversal acknowledges that the fees were disputable and unwarranted upon account termination, the bank failed to retroactively fund or reverse the prior 5 months of accumulated service fees ( totaling {$70.00}, adjusting for the initial {$10.00} charge ). These fees were unfairly drained prior to closure without adequate notification. I request that Wells Fargo thoroughly review this systemic lack of notification and fully refund the remaining {$70.00} in unfairly charged service fees.

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 2026-06-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have charges on my account that I have not authorized {$4600.00} {$5900.00} {$3600.00} Totaled {$14000.00} missing from my accounts I dont understand where my money

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 2026-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
Sent emails to debt collectors on XX/XX/year> to stop all forms of communication until proper evidence that the debt is mine. I have still received multiple calls and texts from the debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MD

Complaint narrative:
My Chime account is scheduled for closure on XX/XX/year>, following an unexpected full-account risk investigation. I currently have active fraud disputes protected under federal Regulation E totaling $ XXXX disputed transaction breakdown is : {$1300.00} {$350.00} {$140.00} Chime has restricted my account access, and I am deeply concerned about recovering my funds. I am filing this complaint to ensure Chime complies with federal banking laws by fully completing the investigations into these three fraud claims after my account closes, and promptly mailing a paper check for my settled balance and any approved dispute funds to my verified address on file and I would to know why is my account being closed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I have reached out to my mortgage company ( Freedom Mortgage ) about why they are not paying my escrow and they advised it was because they did not have my insurance companys information. I have updated them with new information and they still have not paid my insurance company. I am in the middle of a claim and they might drop me.

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