vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 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: TX

Complaint narrative:
Merchant Name : Multiple Transaction Date : Multiple Total Amount : {$2200.00} Disputed Amount : {$2200.00} Claim Date : XX/XX/year> am filing this complaint regarding unauthorized transactions totaling {$2200.00} on my SoFi debit account. The transactions were not authorized by me and appear connected to a compromised digital wallet/payment token. I reported the fraud promptly, my card was cancelled, and I cooperated fully with the investigation. I am concerned that SoFi denied or delayed appropriate protection under Regulation E for unauthorized electronic fund transfers. I am requesting a full review of the claim, reimbursement of the disputed transactions if covered under Regulation E, and clarification regarding the investigation findings and any evidence relied upon in denying the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank denied my fraud claim for an unauthorized XXXX withdrawal of {$200.00}. Chase 's automated system claimed no fraud occurred because a PIN was used. However, this transaction occurred at a third-party XXXX XXXX XXXX where I am verbally banned and have not set foot on the property for months. Furthermore, this exact XXXX XXXX XXXX has a history of fraud ; my previous bank cards like XXXXXXXX XXXX XXXX were also skimmed and compromised at this identical location in the past. Chase failed to investigate the physical security compromise or request terminal surveillance footage, which would visually prove a stranger used a cloned card. I demand a human review under Regulation E. Ive sent proof regarding transactions from that same atm with that same address in the past Ive never used the atm there in months to a year I couldnt since Ive been banned and the banks would do absolutely nothing to prevent this potential skimming.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, an amount of {$2500.00} was wire transferred out of my checking account without any knowledge to me. I was only aware that the money was missing because I checked my account to do some banking and it was gone.. I immediately called Citibank and they opened an investigation and later denied my claim. The same day I reported this I brought my computer to Best Buy and they found that my computer was hacked and my phone had spyware on it which they removed I since have purchased new phones and have not done any online accounting.

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 2026-05-14 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: IL

Complaint narrative:
XXXX XXXX XXXX was closed by the FDIC on XX/XX/XXXX. FDIC became receiver and confirmed my loan was never transferred to JPMorgan Chase. Despite this, Chase recorded a XXXX Assignment of Mortgage to XXXX as Trustee for XXXX XXXX. This assignment is impossible because XXXX no longer existed, the trust was extinguished in XXXX, and the bonds were canceled in the WMI Liquidation. XXXX confirmed they have no XXXX relationship. FDIC confirmed no transfer to Chase. Chase told the CFPB they are NOT the investor and stated XXXX is the investor. XXXX relies on this XXXX assignment but can not provide a Power of Attorney, proof of authority, or investor documentation. XXXX and Chase provided inconsistent payment histories and can not validate the chain of title. I have repeatedly requested correction of the assignment and proof of ownership, but neither company will fix the issue. XXXX is attempting to collect and foreclose without legal authority. I am requesting CFPB assistance to determine the true owner of the loan and require the companies to correct the public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to PORTFOLIO RECOVERY ASSOCIATES under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to PORTFOLIO RECOVERY ASSOCIATES, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unfair credit reporting associated with an XXXX XXXX XXXX account that was later sold to Midland Credit Management . The account was opened on or around XX/XX/XXXX, and was charged off in XX/XX/XXXX. However, this account should have been updated, resolved, or removed from reporting long ago based on actions taken through a credit repair/payment arrangement process facilitated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I recently obtained written correspondence from XXXX XXXX confirming the following : Their records show the account with XXXX XXXX XXXX XXXX Midland Credit Management ending in XXXX was fully resolved. They submitted a formal request to the creditor for a Paid in Full letter because one was never properly provided. They also acknowledged requesting documentation showing all payments made toward the account. Despite this, the derogatory reporting has remained on my credit profile for years without proper correction or meaningful investigation. I have repeatedly disputed inaccurate reporting associated with accounts managed through this process and have consistently received generic responses stating the information was verified as accurate, without sufficient documentation or explanation showing how the investigation was conducted. The reporting continues to cause substantial harm to my financial standing and professional opportunities, including impacts related to federal employment background investigations and security clearance review processes. My concerns are as follows : Failure to properly update or remove derogatory information after the account was reportedly resolved. Failure to provide adequate validation and accounting of payments made toward the account. Continued reporting of derogatory information despite disputes and supporting documentation. Potential violations of the Fair Credit Reporting Act ( FCRA ), including failure to conduct a reasonable investigation after disputes were submitted. Potential inaccurate or misleading reporting regarding the true status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: OPORTUN FINANCIAL CORPORATION
State: GA

Complaint narrative:
I made a deposit for {$250.00} from my XXXX XXXX account into my Oportun savings account early last week ( I forget the day ). On this day my account balance was more than {$1800.00}. My goal balance was {$2000.00} that is why the deposit amount was that exact amount. I did this via the Oportune app. I got a message saying it would take up to 5 days for the amount to appear in my savings account. Last Thursday I checked to see if it had posted. It had not.I had no withdrawls that week. Only deposits.My account was still at more than {$1800.00} on Thursday XX/XX/XXXX. The only withdrawal .made this entire month of XXXX so far is {$1500.00} on XX/XX/XXXX. The next day I was sure it posted and it had been posted to my account BUT my balance was around {$1600.00} which is where it sits now. I immediately emailed the company and heard back the next day. XXXX sent me an email and when I requested a daily account balance for that week he sent me a link and said the information would be provided there. It was not. When I clicked that link it said I have {$0.00}. I immediately went back to the app and it said {$1600.00}. I replied to his email again letting him know the link was not working and requested a daily report for XXXX and XXXX. I also let him know that it was important to see what my balance was on XX/XX/2026 because that was the day I for sure saw my balance was more than {$1800.00}. He replied saying " I see your balance is {$1600.00}, let me know if you need further assistance '' I then sent an email to both the dispute email and the info email address listed on the site. I sent them the same initial email I sent to XXXX and heard nothing back. It has been almost a week. My account has not been restored to the balance it should be which is more thant {$2000.00}. I can see the {$250.00} that was my last manual deposit posted and was also removed from my XXXX XXXX account. All I wanted was for them to show my my balance on XX/XX/2026. I am certain my balance was more than {$1800.00}. They will not show me this. I feel like ( just my opinion ) that this was a clerical error and they took {$250.00} out of my account instead of depositing. That is really the only explanation for why my account went down {$250.00} instead of being increased to {$2000.00}. That makes sense to me. My emails went unanswered. I have attached screenshots including the one XXXX sent containing links that showed I had a {$0.00} balance and he never addressed that issue that I had. Also wanted to note that I do not see an account number on the account. This is all done using an app I have been using for almost 10 years and have never had any issues. I do not think I changed the address they have on file for me. I have since moved and have been at my new address for more than 5 years I can best be reached via email : XXXX or phone : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: Servicer under contract with Federal Student Aid
State: MA

Complaint narrative:
It has been over 15 months since my initial PSLF Reconsideration request, when I was told my request would be processed within 45 days. Ive reached out monthly for a status update, but have received no response at all. Thank you for your help.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, I entered into an Open-End Line of Credit Agreement with CashNetUSA, The agreement disclosed a 325.00 % APR and a {$1500.00} credit limit. My account records show CashNetUSA funded me {$2500.00} on XX/XX/XXXX. Since opening this account, I have made regular payments toward this debt. However, my payment history shows that a substantial portion of my payments was applied toward interest charges rather than principal reduction. My statements show repeated interest charges, including charges exceeding {$200.00} per billing cycle. As my financial hardship increased, I attempted to work directly with CashNetUSA to resolve this matter. Actions I took : On or about XX/XX/XXXX, I contacted CashNetUSA to request an affordable payment arrangement. On XX/XX/XXXX, I sent written correspondence revoking authorization for XXXX withdrawals from my bank accounts, disputing the balance, requesting an itemization of principal, payments, interest, and fees, and offering to make good-faith payments of {$50.00} per month by U.S. Mail . I also requested that interest accrual be paused and requested a reasonable settlement amount in writing. CashNetUSAs response : CashNetUSA confirmed cancellation of my electronic debit authorization but refused to : freeze interest accrual, provide a reduced settlement, accept my proposed {$50.00} monthly payment arrangement, or provide hardship terms in writing. CashNetUSA repeatedly instructed me to call by phone instead of responding in writing. On XX/XX/XXXX, CashNetUSA informed me in writing that my outstanding balance had increased to {$3900.00}, and stated that my default balance included : {$630.00} in principal {$1700.00} in interest and fees They demanded that I pay {$2300.00} by XX/XX/XXXX to cure the account. Later, CashNetUSA stated that due to missed payments, the full balance had increased to {$4100.00}. On XX/XX/XXXX, CashNetUSA had previously provided debt validation showing a balance of {$2900.00}, showing that the balance continued increasing rapidly despite my payment attempts and efforts to negotiate. My complaint : I believe the excessive interest charges, payment application practices, and refusal to provide written hardship or settlement options have caused my balance to grow disproportionately compared to the amount originally borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Existing profileld : XXXX, Full name : XXXX XXXX XXXX XXXX XXXX Profile type : PERSONAL, Source : XXXX XXXX, Target : XXXXXXXX XXXX This message is from Wise Payments Limited ( trading as Wise ). Registered in XXXX and XXXX ( No. XXXX ), Wise Payments Limited is an authorized Electronic Money Institution, regulated by the XXXX XXXX XXXX ( Firm Reference XXXX ). By using our services, you're agreeing to our customer agreements. Wise Payments Limited XXXX. All rights reserved. Note : Investment services are offered through Wise 's regulated subsidiaries. For information regarding your Jar or Assets account, please refer to communications from the respective investment entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> and amount of {$2500.00} was transferred out out of my savings account without my knowledge or consent. This was an unauthorized withdrawal from my account.. I notified Citibank only because when I went to do online banking, I saw the money missing. I immediately called Citibank to tell them I had no knowledge of this transaction and filed a dispute to get my money back, which they denied. I then went to Best Buy to get my computer and phone looked at, and they found open back doors and that my computer was hacked and my phone had spyware on it to receive codes which I had no knowledge of. Citibank should rightfully refund me the {$2500.00} being that I had no knowledge in that my computer was hacked and the personal person had control of my bank account without my knowledge.

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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.

Complaint narrative:
I maintain a checking account with Citibank, which currently holds approximately USD XXXX. During the COVID-19 period, I was unable to return to the country where my account is held. Despite my efforts to manage the account remotely, I encountered significant difficulties. Initially, I attempted to access my account online and make transactions to keep it active. However, my physical cards expired, and I was unable to obtain replacements. As a result, I lost practical access to my account. I also made attempts to close or withdraw funds from the account remotely, but these requests were unsuccessful. Citibank subsequently inactivated or suspended my account, while continuing to charge a monthly inactivity fee of USD 15. I contacted Citibanks customer service multiple times to seek assistance. However, I was consistently advised that I must visit a physical branch to resolve the issue. Given that I remain outside the country, this requirement is not feasible. I find it unreasonable that Citibank continues to charge fees on an account that I am unable to access or manage due to circumstances beyond my control, especially when no viable remote solution has been provided.

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to LVNV FUNDING LLC under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to LVNV FUNDING LLC, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: FL

Complaint narrative:
I've had a checking account with Well Fargo for many years. I kept at least the minimum necessary in my account to avoid extra fees, but I hadn't been using this account much recently. Well Fargo began withdrawing from my account a monthly service fee beginning in XXXXXXXX XXXX XXXX. Wells Fargo increased the minimum amount that needed to be in the account to avoid a fee, and I was not aware. When they started removing funds from my account without my permission and confirmation I was not sent any email and/or text notice to inform me that funds were being being removed without my consent. The issue was noticed after 6 withdrawals had been made after I needed to sign into my account for a separate reason and the discrepancy was noticed. Wells Fargo refunded two of the fees, but opted to keep the remaining four fees for a total of {$55.00} that remains removed from my account. I spoke with a Wells Fargo customer support representative on the phone with no luck. They elevated the concern to the next level with no support from them either. This was then upleveled to the Executive Office and they denied the request for a return of the {$55.00} of removed funds once again. This seems like a deceptive business practice that causes many to get caught in a similar bind and be out their hard earned money with this possibly intentionally being done to increase company profits at the expense of the consumer.

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