vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: RI

Complaint narrative:
My federal student loans had previously been on hold. I did not receive notice that repayment had resumed and was not aware payments were due. The first notification I received in XX/XX/year> advised me that my loans were already five payments past due. Had I been informed that payments were restarting, I would have made timely payments or requested assistance immediately. I am requesting a review of the reported delinquencies and copies of all communications allegedly sent before the first missed payment. They replied : Based on our research of your account, we found that no adjustment is needed to your credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
I receive frequent robotic voicemails from this number. Usually the voice just says it is XXXX and wants a call back. Sometimes the robot claims to be a XXXX XXXX all demanding a callback but never identifying the reason for the call. The internet suggests they're doing some kind of debt collection but I don't know what they're trying to collect and I have no business relationship with them. The repeated robocalls demand that I need to contact them instead of offering any human outreach toward me or information as to the nature or legitimacy of any claim they might have. This is harassment and it needs to stop. I tried blocking the number their voicemails still get through and fill up my voicemail box which prevents me from receiving import voicemails from actual human beings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I explicit told the lender I could not get any calls for claiming payment at my work at the day of the loan, after months of the loan, etc, they gave information of my loan to my boss, regardless of my notice, on XX/XX/XXXX. When I was out for my daughter being on the hospital, and they harassed me and my coworkers and boss, she then asked me not to received any of those types of call at work or I can be having consequences and even might put my job on risk, then I asked them again and specify they can contact me by my phone or if Im not answering because we have the same work hours by email so I can schedule a call back, they did that anyway a couple of days later again. Today XX/XX/XXXX they called me at work demanding payment, I told them I was at work and couldnt get any personal details ; they insisted and harassed me claiming to be the Branch Manager. When I called last month and submit a request of I couldnt complete payment for last month neither this one. Then last week I let them know they can contact me on my personal phone only, and today they called again.

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 accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Since Thursday, XXXX XXXX, 2026, I have been attempting to change my dates via Bank of America 's online banking portal. Every attempt results in a generic system error message stating : " We are sorry, we are unable to complete your request. Please try again later. '' I have attempted this daily for XXXX consecutive days ( Thursday, Friday, Saturday, Sunday, and Monday, XX/XX/XXXX ) with no resolution. Because the online platform failed, I attempted to call customer service on Monday, XX/XX/XXXX, and was left on hold for over an hour without ever reaching a live agent. I do not have a physical debit card or access to transportation to visit a local branch office. Bank of Americas persistent technical errors combined with a severe lack of phone support have entirely cut off my ability to manage my account and complete my necessary requests.

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: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX third party merchants XXXX took {$52.00} from without providing/sending my good/service Canceling my order same day. I called XXXX XX/XX/XXXX I was advised to cancel and repurchase but that never worked. Instead They labeled it a return and continued to ask me for a return confirmation. Thats was of course not possible. The XXXX advised the only have XXXX attempts to help me if the cant reslove it after that, they will just proceed to take my money. I sent the merchant XXXX screenshots correspondence showing cancellation and no orders received hard Evidence. Yet XXXX still denying me my Refund. XXXX processed to withdraw {$14.00} from my CHIME two time on XX/XX/XXXX and XX/XX/XXXX. I called my bank to advise an unauthorized transaction via XXXX. Sent my back CHIME the same correspondence and they have yet to review them. XX/XX/XXXX i call my bank to report the {$14.00} as unauthorized charges. Chime Oddly approved them and sent me a new card. Went to KLARNA app to remove all cards but the old Chime card they have on file. Today XX/XX/XXXX I've called my banks Dispute team to get and updated and see how on XX/XX/XXXX KLARNA was still about to charge my Old Chime the day after I activated the XXXX XXXX. Chime could not tell me how. In fact i spoke to XXXX different representatives today and they all hung up on me when they pit me on hold XXXX hours of no resolve. This complaint is to say both ChimeXXXX and XXXX are working in tandem to Steal money from my account even with new updated to my bank card XXXX is accessing funds without authorization and Chime is Allowing it in total they have taken {$110.00} which is not even the cost of the original transaction which was {$97.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I settled the account and paid the agreed settlement amount in full with Bank of America. At the time, I was informed that the account would be reported as paid in full and that no balance would remain showing on the account. However, after contacting Bank of America again, I was told that this information was incorrect. I was advised that the remaining balance will still appear on the account, even though I am no longer legally obligated to pay it due to the settlement agreement. I am concerned because the information provided to me during the settlement process appears to have been inaccurate. I would appreciate clarification regarding how the account will be reported and why I was originally told the balance would show as paid in full.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
Company Name : Cash App Product : Money Transfer / Payment App Issue : Unauthorized transactions/ Dispute handling What happened? Three unauthorized Cash App payments of {$300.00} each, totaling {$900.00}, were sent from my account to another Cash App user. I did not knowingly authorize these transactions. My position is that another person used my phone and/or accessed my Cash App account without my knowledge or permission. I promptly disputed the transactions with Cash App. Cash App denied my dispute and stated that I had authorized the payments and that my account was not compromised. However, Cash App has not provided any meaningful explanation of how it reached that conclusion. I specifically requested the documents, records, and evidence relied upon in denying my claim. Cash App directed me to a documentation request process and represented that I was entitled to obtain the documents used in making its decision. I followed the process exactly as instructed and preserved screenshots and a screen recording of the process. Despite my requests, Cash App has not provided any of the evidence it claims supports its determination. I have not received device records, authentication records, IP logs, transaction authorization records, investigative findings, or other materials supporting the denial. Cash App has repeatedly provided conclusory statements that the transactions were authorized without disclosing the factual basis for that conclusion. I believe Cash App failed to adequately investigate my dispute and has failed to provide the documentation referenced in its correspondence. What resolution are you seeking? I am requesting : 1. Reopening of the dispute investigation. 2. Production of all documents and records relied upon in denying my dispute. 3. A detailed explanation of the basis for Cash Apps determination that the transactions were authorized. 4. Reimbursement of the disputed {$900.00}. 5. Review of Cash Apps dispute handling and documentation request process. Additional Information : I have preserved email correspondence, screenshots, and a screen recording showing my attempts to obtain the documentation referenced by Cash App. I can provide those materials upon request.

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 — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On Friday XX/XX/year> I tried to pull funds from my chime account, with balance starting at {$690.00} I tried to take out {$300.00} it was declined by chime attempted to try the transaction again for {$300.00} it declined again, I had just received my direct deposit the day before on Thursday XX/XX/year>, so I immediately check my acct to see why it was declined and my balance was now at {$95.00}. Chime took {$600.00} from my account they returned {$300.00} and have not returned the other {$300.00} of my money I called and received the worst customer service as if I did something wrong when all I was trying to find out is what happened to my money, the customer service reps were hanging up the phone over and over because I wanted to speak with a supervisor and advised me there was nothing they could do. I finally spoke to a supervisor that was just as rude and told me a dispute would take 3months to resolve. I think their practices are totally illegal and they stealing money from customers and holding it for insane amounts of time. There should be no reason they are not returning my money. They are thieves and criminals

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 company's investigation into an existing problem — Problem with personal statement of dispute
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I am disputing a charge for a stolen package from XXXX, order number XXXX, purchased with my SoFi account ending in XXXX. The items included an XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, with a total value of {$710.00}. The package was marked as delivered on XX/XX/year>, tracking number XXXX, but I never received it. I have a delivery photo showing the package left unattended on my porch. I contacted XXXX multiple times via chat, and they instructed me to dispute the charge with my bank. I also filed a XXXX complaint XXXX XXXX XXXXXXXX ) on XX/XX/year>. I filed this dispute with SoFi on XX/XX/year> ( case number XXXX ). I have attached all supporting documentation, including the delivery photo, tracking confirmation, screenshots of XXXX chat sessions, and XXXX complaint confirmation. I acted in good faith, promptly reported the issue to the retailer, and have provided all available documentation. I respectfully request SoFi to review the evidence and issue a chargeback/refund for the stolen items.

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 — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
So in XXXX my personal banking account with chase was closed due to fraudulent charges. So now its XXXX and I had a royalty check come in from XXXX of XXXX XX/XX/XXXX instead of them voiding the check and sending it back to XXXX they cashed the check deducted the amount of XXXX plus dollars and sent me a cashiers check of the remaining balance. I got another check from XXXX XX/XX/XXXX they voided it and sent that back to the company and they claim to have done that because the account is closed. I dont understand that if the account is closed in XXXX and I dont have access to that account for XXXX years how are they authorized to deposit that check if the account was closed due to fraudulent activity. I feel this is a breach of my rights and unauthorized use of my funds and I want to receive the money that XXXXm owed plus compensation and a class action suit to follow.

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 accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
They emailed me saying my account would be closed on XX/XX/XXXX there is no fraud or suspicious activity

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: Chime Financial Inc
State: NJ

Complaint narrative:
I am submitting this complaint regarding the handling of my dispute by Chime. I reported unauthorized transactions totaling approximately {$7000.00} that were taken from my account without my authorization. After discovering the transactions, I immediately notified Chime and provided all information requested, including a police report and details regarding the theft. Despite my cooperation and the evidence provided, my dispute was denied. I do not believe the investigation was conducted fairly or thoroughly. I have requested additional information regarding how the determination was made and why the evidence I submitted was not sufficient, but I still have concerns that my rights as a consumer were not properly protected. The loss of these funds has caused significant financial hardship. I am requesting that Chime provide a detailed explanation of its investigation, reconsider my claim based on all available evidence, and comply with all applicable consumer protection laws regarding unauthorized electronic transactions. I respectfully request assistance in reviewing this matter and ensuring that my dispute receives a fair and complete investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
CFPB Complaint U.S. Bank Mortgage Servicing Borrower : XXXX XXXX Loan Ending : XXXX Servicer : U.S. Bank Complaint Type Mortgage Servicing / Payment Allocation / Delinquency Dispute Complaint Summary I am disputing a mortgage delinquency calculation reported by U.S. Bank of approximately {$18000.00}. The servicers records contain multiple inconsistencies that prevent verification of the balance : Payment Allocation Issues : Payments posted as other, mixed allocation, or modified coupon without clear transaction-level detail. Escrow/Tax Misapplication : Escrow and tax payments are not separated from delinquency calculations. Principal Adjustment Discrepancies : Some principal payments are partially recorded or not fully reflected in the running balance. Account Reference Anomaly : Servicing records reference a closed account ending in XXXX, which I do not maintain, raising concerns about account mapping or misapplied funds. Requested Resolution The borrower requests : Full transaction-level ledger ( XXXX XXXX ) including posting codes, trace/reference IDs, and allocation breakdown. Complete escrow and tax reconciliation separated from delinquency calculations. Identification and correction of any suspense or unapplied funds. Step-by-step calculation of the alleged {$18000.00} delinquency. Written confirmation of corrections and reconciliation results. Attachments Supplemental Mortgage Servicing Dispute PDF ( includes transaction tables, Exhibit E screenshots, and Exhibit F account anomaly )

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 — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
To Whom It May Concern : I am filing a complaint regarding a collection account reported by Jefferson Capital Systems that allegedly originated with XXXX XXXX. I dispute the accuracy of this account because the balance reported by Jefferson Capital ( {$4700.00} ) does not match the balance reported by the original creditor, XXXX XXXX ( {$5500.00} ). Jefferson Capital has not provided documentation explaining the {$850.00} difference between the two balances. I have not received a complete accounting showing whether this amount reflects payments, credits, adjustments, waived fees, or any other transaction. Because the reported balances are inconsistent, I request that Jefferson Capital provide : 1. A complete payment and transaction history. 2. Documentation showing the balance at the time the account was transferred or sold. 3. Proof of ownership and assignment of the account. 4. Documentation explaining how the current balance of {$4700.00} was calculated. 5. A copy of the original contract or agreement creating the alleged obligation. Until the account is fully verified, I dispute the accuracy of the information being reported. If Jefferson Capital can not substantiate the balance and ownership of the account, I request that the account be deleted from my consumer reports and that collection activity cease. Thank you for your assistance. Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2026 I made one mobile deposit of {$90.00} ( check number XXXX ) into my Chase business checking account. Chase 's system then posted the same deposit a second time on XX/XX/2026 under the same name " XXXX XXXX XXXXXXXX XXXX XXXX '' with no check number and no check image attached to it. I had no way of knowing this was a duplicate error. On XX/XX/2026 Chase reversed {$90.00} from my account putting it into the negative. Their own transaction notes state " an item was processed more than one time, the item posted on XX/XX/2026 and XX/XX/2026 '' confirming this was their system error. I contacted Chase to dispute this. The representative confirmed that the XX/XX/XXXX deposit entry had no check image and no check number. There is only one check that exists for this deposit. Chase charged me a {$15.00} monthly service fee while my account was negative due entirely to their processing error.

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: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I am filing a formal complaint against Ally Financial for inaccurate credit reporting, unapplied payments, and the predatory accumulation of unfair late fees due to a severe systemic billing status glitch. My official payment history confirms that a single transaction payment of {$2800.00} was successfully completed on XX/XX/year>. Because my regular monthly obligation is {$1300.00}, this single transaction completely satisfied both my XX/XX/XXXX and XXXX XXXX monthly cycles. While Ally 's backend system correctly credited this money toward my principal balancebringing my true unpaid balance to $ XXXXtheir front-facing consumer billing platform has failed to apply the credit to my account status. It is currently flagging my account as " Past Due '' and demanding a total payment due of exactly {$2800.00}, which is the identical XXXX amount of the double payment I already successfully completed in XXXX. Because of this internal software glitch, Ally is actively charging me inaccurate late fees ( including a current {$15.00} late charge ) and has inaccurately reported 30-day late markers to the credit bureaus for XXXX and XX/XX/year>. This is despite the fact that I have made a full payment every single month of this loan ( {$1400.00} completed on XX/XX/year>, and {$1400.00} completed on XX/XX/year> ) and mathematically have never crossed a 30-day past-due threshold. I demand that Ally Financial manually audit my account, remove the inaccurate late fees, correct this front-end billing status error immediately so it does not impact my vehicle trade-in, and submit an immediate correction to the credit bureaus to update my payment history to " Current '' for all months.

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