vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: TX

Complaint narrative:
Received a Debit card from CHIME company in the mail on XX/XX/year>. Did not apply for the card. The card has my name and an account number on it. I also received an email on XX/XX/year> saying the card detected a new login. I have not login or created an account with CHIME. I tried calling CHIME XXXX -- XXXX to see why I received this card in the mail. Instead they wanted more information ( name, email, account number ) from me. I hanged up because they seemed they were trying to get more information about me and would not answer my question if that is CHIME 's business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/XXXX I attempted to transfer money from my checking account at the XXXX XXXX XXXX XXXX to my XXXX account at chase bank. I accidentally typed in the wrong account. Number and the funds were misdirected to someone else 's account. I realized the air in contacted XXXX XXXX XXXX XXXX The next business day, however, they said that I needed to deal with chase bank on this issue.And that there was nothing that they could do. I then contacted Chase Bank. XXXX, directed me to their claims. Department, who confirmed the transaction. However, they too said that there was nothing they could do about retrieving the money. I then contacted the bank manager at Chase Bank who created a complaint for me and directed it to the executive level at chase bank. Yesterday I received information from the executive level at chase bank.Who advised that there was nothing that they could or were willing to do regarding the transaction. I asked for some documentation, and was told that they would not provide me with anything. I did start please report regarding the incident and they were not willing to provide any information to XXXX police department either. The police told me to go back to the bank managers to try and work this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Subject : Inaccurate Delinquency Reporting While Account Was in Active Forbearance XXXX Loan I am filing a complaint regarding inaccurate credit reporting on my mortgage account. My XXXX home loan, serviced by Wells Fargo, was placed in an approved forbearance that extended through XX/XX/XXXX. I sold the property and paid the loan in full on XX/XX/XXXX. At the time of payoff, the account was still in an active and approved forbearance status. I subsequently received written correspondence from the servicer, dated XX/XX/XXXX, confirming that I was no longer in the forbearance program due to the loan being paid off. This confirms the account remained in forbearance through the payoff date. During the forbearance period, XX/XX/XXXX through XX/XX/XXXX were reported correctly on all three credit bureaus as neutral/suppressed ( non-delinquent ), consistent with this forbearance. However, XX/XX/XXXX has been reported as XXXX days delinquent, which is factually inaccurate and inconsistent with both the account status and prior reporting. This reporting is incorrect for the following reasons : The account was in an active, approved forbearance at the time of payoff on XX/XX/XXXX The loan was paid in full before any valid delinquency could occur in XX/XX/XXXX The servicers own documentation confirms that the forbearance ended only as a result of the loan being paid off Prior months were correctly reported as neutral/suppressed, making the XXXX delinquency reporting inconsistent and inaccurate.

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a charge of {$640.00} from XXXX and I called my bank Wells Fargo to dispute it since I never authorized the purchase. They paid to merchandise and I lost my money. Wells Fargo closed the case because they said my card was inserted manually and have my address. I called XXXX to dispute the charge and they dont have any transaction under my name. Wells Fargo dont want to recognize the fraud. XXXX complain case number is : 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 non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/year>, I submitted a balance transfer request from XXXX # XXXX for {$5900.00} to be paid to my Citibank account XXXX XXXXXXXX. The balance transfer was approved on XX/XX/XXXX ( see " Exhibit A. '' ) As of today, XX/XX/XXXX, the payment still has been applied to my Citibank account. I called Citibank on XX/XX/XXXX at XXXX to request that Citibank investigate the missing payment. The agent stated they would open an investigation regarding the missing payment. They did not ask for any additional information. I call Citibank back at XXXX on XX/XX/XXXX to follow up on the missing payment investigation. I spoke with an agent named XXXX. He checked the records and claimed that no investigation request had been filed. XXXX claimed he spoke to a supervisor to confirm this. When I asked the supervisor 's name, XXXX first said he did not get the supervisors and then claimed that he was not allowed to give the supervisors. He then clarified that " we are not allowed to provide information regarding this ( supervisor name ). XXXX further advised that before Citibank could investigate, Citibank needed me to confirm with XXXX that the check to Citibank has cleared before they could investigate any missing payment. I have already filed a complaint with the XXXX regarding XXXX and the payment to Citibank. Please see COMPLAINT ID # XXXX filed on XX/XX/XXXX. As XXXX has not been cooperative with providing information about this balance transfer request status, I am asking that Citibank conduct its own investigation to determine if any checks were received from XXXX. In the event XXXX is not able to provide a cleared check, it needs to refund my balance transfer funds and associated fees to me immediately.

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 monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I disputed a XXXX XXXX XXXX XXXX charge from a taxi driver in XXXX XXXX as an incorrect amount transaction under the XXXX XXXX XXXX Liability Policy. My claim is that the merchant altered the amount after authorization. I provided contemporaneous supporting evidence, including travel timeline, sample taxi cost ( was charge {$360.00} while a comparable XXXX ride was ~ {$10.00} and the agreed upon price ~ {$9.00} ) and location records ( proof of hotel residence, proof of flight, time to posted charge vs flight time, etc ) because the merchant did not provide a receipt nor the opportunity to request a receipt ( drove off immediately upon charging my card ). Capital One denied the dispute for insufficient supporting documents without meaningfully addressing the altered amount claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I am a XXXX PayPal customer. On XX/XX/XXXX, I used PayPal Pay in 4 ( an installment loan product offered by PayPal ) to purchase a XXXX XXXX XXXX XXXX XXXX XXXX XXXX graded trading card from XXXX XXXX for {$380.00} ( Transaction ID : XXXX, Invoice : XXXX ). XXXX shipped the wrong item a XXXX XXXX XXXX XXXX XXXX XXXX, a completely different product. XXXX 's own packing slip inside the package listed the correct XXXX XXXX, proving a fulfillment error on their end. Between XXXX XXXX, I made 6 phone calls and sent 2 emails to XXXX. They did not respond until PayPal contacted them. Their eventual response cited an " all sales final '' policy while simultaneously offering a return a self-contradicting template. I filed PayPal dispute XXXX on XX/XX/XXXX. PayPal required me to return the wrong item at my own expense with tracking, despite XXXX being the party at fault and despite my vehicle being out of service due to engine and emissions failure, leaving me with no reliable transportation to a drop-off location. I attempted to comply but missed PayPal 's response window by a few days. A phone representative later reopened the case, and on XX/XX/XXXX a representative assured me the issue would be handled and told me to go home. The next morning ( XX/XX/XXXX ), the case was hard-closed in the seller 's favor citing " invalid tracking information '' a procedural reason, not a substantive one. On XX/XX/XXXX, I spoke with a PayPal supervisor. I asked him directly, multiple different ways : " So you're telling me I'm out nearly {$400.00} and XXXX wins? '' " What did I ever even use PayPal for? '' " What's the point of using PayPal? '' His answer was that PayPal is " just a payment processor. '' He told me not to call back and not to reopen the case. This statement is inaccurate. PayPal 's own closure message states : " You'll still have to continue paying any balance amount left in your Pay in 4 plan along with the late fees '' confirming PayPal is acting as a lender under this Pay in 4 loan, not merely a processor. As the lender of an installment loan product, PayPal has an obligation under Regulation Z and the Fair Credit Billing Act to investigate billing errors involving non-conforming goods. They failed that obligation by closing on a procedural technicality rather than the substantive merchant fulfillment error I documented with photos of both cards, the packing slip proving the error, call logs, and email records. I have already revoked ACH authorization with my financial institution to prevent the final installment from being debited.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was signed up with XXXX XXXX. They then stopped taking the money out. I never changed any information on my account.

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 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I created a XXXX account to try and change banks and deposited {$500.00} USD into my account through money sent to me via birthday gifts. XXXX thought the activity was suspicious and locked my account. I submitted my ID for my account to be unlocked on XX/XX/year>, with the request/case ID XXXX # XXXX They reached back out to me on XX/XX/year> telling me my account was still locked, after assuring me that I submitted everything needed and that my account would be unlocked in 3-5 days. After trying to request my chat transcripts for supporting information, and the ability to speak to a supervisor. I was denied both not once but twice by two different customer service representatives stating they couldnt forward me contact information for the team handling my case. Even though their website says they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IL

Complaint narrative:
My account was suspended, without a single notice and I cant access Ang of my funds to pay for bills, inked being told to wait but I can not keep waiting for something that affects my every day life, I also got treated like garbage and got condescending answers and event alluded to me doing fraud which is hilarious.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: Rocket Mortgage, LLC
State: RI

Complaint narrative:
On XX/XX/XXXX, I submitted a Qualified Written Request ( QWR ) to Rocket Mortgage pursuant to RESPA, 12 U.S.C. 2605 ( e ) and 12 C.F.R. 1024.36, via XXXX Certified Mail. Delivery was confirmed XX/XX/XXXX. The QWR requested documents necessary to conduct a review of my loan history, escrow account records, and loan modification terms, specifically : ( 1 ) the XXXX Loan Modification Agreement and full terms ; ( 2 ) the XXXX Forbearance Agreement entered into approximately XX/XX/XXXX ; ( 3 ) XXXX Forbearance Exit Documentation from approximately XX/XX/XXXX, including an explanation of a {$7900.00} lump sum deposit appearing in the XX/XX/XXXX escrow analysis ; and ( 4 ) a complete transaction history from origination ( XX/XX/XXXX ) to present, including all payments received, disbursements made, escrow transactions, and balance adjustments. Rocket Mortgage acknowledged receipt of the QWR and represented that a response would be provided on or before XX/XX/XXXX. RESPA requires a substantive response within 30 business days of receipt, extendable to 45 business days only upon written notice with good cause. As of the date of this filing, no substantive response has been received and no written request for an extension has been provided, in violation of 12 U.S.C. 2605 ( e ). I am requesting that Rocket Mortgage be required to produce all documents specified in the QWR and that this noncompliance be formally recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I recently applied for a loan and was made aware that this collection was on my credit report. I did not receive written notice of the collection before it was placed on my account. I dispute that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: OR

Complaint narrative:
I am a member of the group that was on the Save plan. I am also part of PSLF, and have 3 payments left to make. I have been trying since XX/XX/XXXX to get on a new income plan. First submission : I submitted a request on XX/XX/XXXX with the XXXX. I sent messages a few times after this, and was told there was a lengthy delay and to be patient. On XX/XX/XXXX I was sent a " Plan Request was Not Approved '' email with several possible generic reasons. I read online to resubmit. Second Submission : On XX/XX/XXXX I resubmitted another plan. Again, heard nothing. I called Mohela on XX/XX/XXXX, and waited on hold for > 3hrs. They told me that they don't have any income information on these, and that I need to resubmit. Third Submission : On XX/XX/XXXX I submitted again. On XX/XX/XXXX I received a notice from Mohela that my application was denied due to " You are currently repaying a consolidation loan that includes a Parent PLUS loan. '' I do not have a Parent Plus Loan, I do not even have children. I can find no mention of PPL loan anywhere in my loans. On XX/XX/XXXX I called Mohela again, waited 3 hours, and was told that it was an error, that I do NOT have a PPL. The agent I spoke with had no idea why it was flagged that way, and said that it was impossible for me to have PPL. She flagged it for manual review and said to wait a few months. I checked back in XXXX, and it shows the request was denied/closed. Fourth Submission : On XX/XX/XXXX I submitted another IDR application. On XX/XX/XXXX I again received notice is was denied due to a Parent Plus Loan. Fifth/Current Submission : On XX/XX/XXXX I submitted another application, this time for an ICR plan as it works with PPL ( even though I do NOT and have never had a PPL ) in desperation that it might work this time. At this point I have 3 PSLF payments to make. I have been trying for nearly 2 years to pay my loan. I have submitted 2 buyback requests, and have heard nothing. I have offered to just make large payments above and beyond the estimated payment, and am told that will not work. Meanwhile, I keep getting notices about my " unlawful '' plan and that I need to get off of it. What else can I do at this point?

Company response to consumer: Untimely response
Consumer complaint received 2026-04-15 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: FL

Complaint narrative:
Beginning approximately XXXX XXXX and continuing through XX/XX/XXXX I had fraudulent charges ( not made by my wife or I ) on 5 Bank of America cards totaling approximately {$30000.00}. The fraudsters changed my phone number, physical address and email address multiple times. Any notifications Bank of America might have sent were not reaching me. Two fraudulent charges were resolved XX/XX/XXXX ( {$2200.00} ) and XX/XX/XXXX ( ( {$7400.00} ). In XX/XX/XXXX we discovered another 3 fraudulent charges ... 2 more were resolved in XX/XX/XXXX ( {$4100.00} ) and another resolved on XX/XX/XXXX ( {$10000.00} ). The last fraudulent charge started out being {$6400.00} - it is currently at {$4900.00}. We have tried to work with Bank of America in resolving this last fraudulent charges and have submitted and resubmitted multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These are not my charges or my wife 's. We have submitted a police report in XXXX XXXX ; frozen our credit, called our banks and savings companies to let them know. Please help me to resolve this

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 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: IN

Complaint narrative:
Im contacting you regarding a loan that was previously handled by XXXX. According to the notice I received, XXXX is no longer collecting on this account and I was instructed to contact Klarna directly. However, this situation has caused multiple issues that need to be corrected immediately : 1. This account has been reported as delinquent on my credit, even though it was transferred/sold to a debt collector. 2. The account was marked as closed, yet I am still seeing attempts to charge my cards. 3. I formally disputed this with the debt collector, and now I need Klarna to verify the correct status of this account. At this point, I am requesting : - Written confirmation of the current ownership of this debt - Validation of the balance and payment history- Immediate correction of any inaccurate credit reporting- Cessation of any unauthorized or duplicate charging attempts If this account was sold or transferred, it should not be simultaneously reported or collected on by multiple parties. If these issues are not resolved promptly, I will escalate this matter through the appropriate consumer protection channels. Please respond with a clear explanation and resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
I am filing a formal complaint against NBT Bank regarding a serious account error that has caused significant financial harm to my household. On or about XX/XX/year>, NBT Bank processed duplicate transactions on my account, resulting in multiple charges being posted twice. This error caused my account to become overdrawn by approximately {$700.00}, despite having sufficient funds prior to the error. As a direct result of this bank error : I was unable to access my own money I was unable to purchase groceries for my child My account has remained negative for two days with no resolution This situation has created immediate hardship and is unacceptable. NBT Bank has acknowledged this as a system error affecting multiple customers. However : My funds have not been restored in a timely manner I have not been provided provisional credit I have not been given a clear resolution timeline Under the Electronic Fund Transfer Act, I understand that financial institutions are required to promptly investigate and correct errors and may provide provisional credit while doing so. NBT Bank has failed to adequately mitigate the harm caused by their error. I am requesting the following : Immediate correction of all duplicate transactions Immediate restoration of my correct account balance Immediate provisional credit while the issue is being resolved Reversal of all fees associated with this error Consideration of compensation for the financial hardship caused This situation has impacted my ability to provide basic necessities for my child and requires urgent attention. I request a prompt investigation and response. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief