vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 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: AZ

Complaint narrative:
On XX/XX/year> i was about to board my flight from XXXX, XXXX XXXX to XXXX XXXX, California around XXXX, when i checked my chase bank account to see my balance i noticed there was a {$580.00} ATM cash withdrawal from an ATM in XXXX XXXX ( which is where i live ). I immediately called my bank to complain and i was told to call the next day due to their claim department being closed. So right when i arrived to XXXX XXXX I called to make the claim, it was fast and easy to do so aince they didnt ask much information from me which i thought that it wasnt so professional, I asked them if i needed to submit any additional information or anything to support my claim and they said no, I only mentioned to them that i was out of the country so it was impossible for me to withdraw money from an ATM in the US . They immediately credited back the amount but in less than 1 day it was gone so i called them back to ask if there was an issue or if they needed more info from me and they said no and just said it was a technical mistake or whatever. Today XX/XX/year> I went on my bank app again to check on my claim status and it said it was closed to i called them again to check status and they told me it was denied because it appeared that the transaction was made with XXXX XXXX, which is even more surprising because how is that even going to happen if I wasnt even in the country and im the only person who has my card in my XXXX XXXX? There should be a two factor authentication for a person to add a card into their wallet because i never received a notification of someone adding MY card to an XXXX XXXX so it is not fair that due to their security system i get my money stolen, how is it so easy to rob someones card info and add it to your XXXX XXXX?. So they didnt give me my money back because apparently they think it was me since it was used with XXXX XXXX or whatever device. They can check their atm cameras or i also have proof that i was out of the country because it wasnt me and i want my money back i have bills to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: OH

Complaint narrative:
I talk to a Mohela rep in XXXX about my financial problems, they pointed out that I had another forance I could use to help. The other had just ended in XX/XX/XXXX, but I was still struggling. I agreed to another forbearance, paid the {$50.00} to start XX/XX/XXXX. I must told I would have 3 months to start again in XXXX. The call was recorded. I was resent a letter copy of the forbearance. The rep actual backlogged my forbearance time. Not starting on XX/XX/XXXX to end XX/XX/XXXX, but starting on XX/XX/XXXX to end XX/XX/XXXX. I called today at XXXX XXXX, got transferred to XXXX department, to rep # XXXX. No tempt to correct the mistake, just sorry you got the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I contacted an attorney to handle my father 's estate after he passed away because her positive online reviews convinced me. She agreed to represent me and requested a {$3000.00} zelle payment from my bank. After I paid her, she vanished and has since stopped answering my calls. She had me sign a retainer, but now I can not reach her. I contacted my bank, Capital One, but they said they couldn't assist. Further investigation revealed that this lawyer previously scammed someone out of their inheritance check. I am determined to recover my money, as I believe she is running a scam. Her name is XXXX XXXX, and her business address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. The phone number she provided is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint regarding a loan issued through a TitleMax branch where I was assisted by a friend who worked as a loan officer and branch Manager ( XXXX XXXX XXXX at that location. I applied for a loan and was approved. After the loan was approved and the funds were disbursed, the employee asked to borrow approximately half of the loan amount from me personally. I agreed based on our personal relationship and the representations they made regarding the loan. The employee repeatedly told me that the loan would be written off after approximately 60 days and that I would not be responsible for repayment. They stated that the only requirement was to wait until a certain time period had passed after disbursement ( which they told me would be XX/XX/year> ). I have text messages from this employee ( XXXX XXXX ) confirming that the loan would be written off and that I would not be responsible for repayment. Based on these assurances, I did not plan for repayment because I was told the balance would be cleared internally. However, since that time, TitleMax has repeatedly attempted to withdraw payments from my bank account for the loan. Additionally, the employee who borrowed part of the loan has not repaid the money they borrowed from me. When I confronted the employee about repayment, they began changing their statements and now claim they are waiting to see whether the loan will be written off or whether I will begin making payments. They also stated they will only pay their portion directly to the branch if I begin paying the loan, which was not the agreement that was originally made. At this point : My credit was used to obtain the loan Payments are being attempted from my bank account The employee who encouraged the loan borrowed a portion of the funds and has not repaid it I have written text messages indicating the loan would be written off I am concerned that I was misled by a TitleMax employee and possibly manipulated into taking out a loan under false pretenses. I am requesting an investigation into the conduct of the employee involved and clarification of the legitimacy of this loan agreement. I am also requesting assistance in resolving the financial harm caused by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
b'I was checking my score when I realized that there was a capital one card reported (opened in XXXX). I never applied. I called the XXXX XXXX XXXX to notify them of my problem. They had no card listed in their database. I. was then referred to the fraud department. Because the information is not in the computer systemXXXX XXXX told me that someone else tried to open the card & the only thing they found was an application; the company realized that I wasnt the person who open it. They asked that I report it as fraud.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: OK

Complaint narrative:
XXXX XXXX XXXX/ signature loan company in Oklahoma did a charge off on a loan I took out in 2024. I paid half of the loan off on time consecutively for 6 month. I had lost my job and tired to work with them by trying to pay what I could afford and they reset my loan to it's original balance of {$700.00}. At that point I told I then I will only paid the remainder of what I owe, which at that point, I only owed {$280.00}. they refused my offer and charged off my debt and sold it to a company named Source receivable management. They have emailed me trying to collect on a bought debt. I put them on notice that I would file a complaint and they put it on my consumer credit reports, credit karma, XXXX, XXXX and XXXX XXXX. They need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XX/XX/year>, we purchased a vehicle that was financed through Capital One. The dealership that sold us the vehicle later went out of business before properly completing the title paperwork. Since XX/XX/year>, we have been unable to legally register or operate the vehicle because the title was never issued. Capital One has confirmed that it does not have the title. Because the dealership is no longer in business, we have been unable to obtain the title through them. Despite the fact that we can not legally register, plate, or operate the vehicle, we have continued making monthly loan payments. This situation has now been ongoing for several months. We have contacted Capital One numerous times and recently escalated the matter to the Office of the President. Capital One has stated that they need additional time to attempt to obtain the title, but no timeline has been provided and no resolution has been offered. At this time : We do not have proof of ownership of the vehicle Capital One does not have the title We can not legally operate the vehicle We have continued making payments on a vehicle that we can not use Because the collateral for this loan can not be legally titled or registered, we are requesting assistance in resolving this matter. At this point, we are requesting instructions from Capital One regarding voluntary surrender of the vehicle and cancellation of the loan due to the unresolved title defect. We are seeking a fair resolution to a situation that is entirely outside of our control.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
In XXXX, I opened a certificate of deposit ( CD ) with Chase Bank for {$1000.00}. Recently, I contacted Chase to inquire about the CD, but they informed me that they could not locate the account in their records. I had been a Chase customer and asked the bank to research the account. Chase acknowledged that the CD existed but stated they are still investigating. At this time, the bank has not been able to locate the funds or provide documentation showing what happened to the CD. I am requesting that Chase conduct a full investigation to determine the status of the CD, including whether it was closed, transferred to unclaimed property, or otherwise disbursed. I would also like documentation showing the outcome of the account and where the funds were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was permanently banned by Navy Federal Credit Union in XXXX because I fell victim to an account scam. I am a mildly XXXX individual and was undiagnosed at the time of the occurrence. As I was quite young and still learning the ropes of how to manage my finances, as a military member, I was not aware of such an elaborate scam that anyone could've easily fallen victim to if they were not privy. I tried to get the representative to explain to me what she was doing with my account following my earnest attempt to report the scam timely, and was met with short, dismissive responses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ATG Credit, LLC
State: IL

Complaint narrative:
ATG credit says opened XX/XX/year> Unpaid XXXX dollars Original creditor : XXXX XXXX Account number ends with XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am seeking assistance regarding a financing account with Synchrony Financial. I purchased XXXX kitchen appliances through XXXX XXXX XXXX under a promotional financing program. My original balance for the purchase was {$22000.00}. The promotional plan required the balance to be fully paid by XX/XX/2026. Unfortunately, I misunderstood the deadline and did not realize that the remaining balance had not been fully paid in time. I became aware of this issue on XX/XX/2026, and I paid off the remaining principal balance in full on XX/XX/2026. After the promotional period expired, Synchrony applied approximately {$14000.00} in retroactive interest charges to my account. I have contacted Synchrony several times to explain the situation and respectfully request that these interest charges be reconsidered, but I was informed that they could not be waived. I would like to respectfully ask for assistance reviewing this case. I have already paid the full original purchase amount of {$22000.00}. Additionally, the retailer XXXX XXXX XXXX has since gone out of business. As a result : The installation service promised in the contract was never completed. The appliances require professional installation to function properly. I now need to pay more than {$9000.00} out of pocket to hire a contractor for installation. Warranty and service support associated with the retailer are no longer available. Because of these circumstances, my family has already suffered unexpected financial loss. I respectfully ask if Synchrony Financial could reconsider and remove the retroactive interest charges as a goodwill adjustment. Thank you for taking the time to review my situation and for any assistance you may be able to provide. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
At no point was I given the opportunity to verify, dispute, or make arrangements regarding this alleged balance before it was transferred or sold to a debt collector and placed on my credit report. Because of the lack of notification and validation, I was unaware that this account was outstanding or that it had been sent to collections. Please provide verification of the debt, including the original creditor, the date of service, the amount owed, and documentation showing that proper notice was given before the account was sent to collections and reported to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HOPE BANCORP, INC.
State: CA

Complaint narrative:
I ordered a checkbook for my checking account at XXXX XXXX Hope on XX/XX/year>. The checks never arrived in the mail so I called XXXX XXXX Hope several times to follow up. I was advised to wait as it could take longer than expected with the post office to deliver. On XX/XX/year> I called the bank again to follow up and was told by the banker a check was cashed for {$1000.00} on XX/XX/year> with a forged signature from the checkbook I never received. I went to the bank the same day to cancel the remaining checks and I proceeded to close the account on subsequent days. I filed a claim for the fraudulent check for {$1000.00} with XXXX XXXX Hope on XX/XX/year> and was told there would be an investigation and it would take 180 days to get reimbursed. I also filed a report w postal police XXXX. After the 180 days, I went back to the XXXX XXXX and spoke to the branch manager XXXX XXXX XXXX My claim for reimbursement was denied for the following reason : " Late Return rejected by depository bank, XXXX XXXX. Despite multiple returns, the subject has not performed as recommended by the bank. '' He said XXXX XXXX Hope does not verify signatures for checks under {$2500.00} and because XXXX XXXX Hope wasn't able to recoup the money from the depository bank, there is nothing he can do to help. XXXX XXXX Hope failed to verify that the signature on the check was forged and allowed the fraudulent check to be processed and because of their negligence, I incurred a loss of {$1000.00}. XXXX XXXX Hope should be held liable for their failure to exercise ordinary care to protect their customer 's assets. I filed a report promptly with the bank as soon as I was made aware of the fraudulent check and the bank should act responsibly and reimburse their customer without having to file a complaint with CFPB!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: GA

Complaint narrative:
- XX/XX/year> Open the Bloomingdales Credit Card ; A lot of misleading information, including the benefit and discount ; - Bought some bags from XXXX store on the same day, cost {$5600.00} ; - Return all the items because I can not bring them back to my hometown ; - some days later, I found I didn't get the refund ; So I went the XXXX store again to talk about that with the employee ; The employee confirmed my returns and called the credit card department. And the credit card department made some notes and told me they would process it within 15 business days ; - some days later, I called the credit department again. They asked me to repeat the whole thing again. And asked me to wait another 15 business days ; - Same thing happened another couple of times after that ;... - Until this week, I called the credit department again and the representative still told me he would create a case for me. I have to wait another 15 business days or a month. When I requested to talk to his supervisor about this issue. He said his supervisor couldn't talk with me and would call me back. But I've never received call from his supervisor. He actually didn't do any help to move this case forward. - After I kept asking him, he said he would help take a look of my account. And later, he told me that they refunded my money as rewards to my account. First, nobody asked me and got my permission to return my money as rewards. If my money is refunded as rewards to my account, that means I have to spend my money in Bloomingdales only. It deprives my right of freedom to use my money, which is not fair to me. Second, I've never even received the rewards in my account. Which was also confirmed by the representative after I kept asking him to double check. - It's already over 3 Months since the first time that I contact the Bloomingdales Credit Card department. The balance of my credit card is still there and They still haven't provided any solution about this issue. So I need your help to get my money back and protect my right of freedom.

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 2026-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was sold a travel time share last XX/XX/XXXX by XXXXXXXX XXXX XXXX XXXX XXXX On that same day, I cancelled the membership. On XX/XX/XXXX, they ( XXXX ) acknowledged the cancellation of my membership and on XX/XX/XXXX, they gave me a cancellation letter including the refund of my payment. On XX/XX/XXXX, I received a notification that a loan was opened under my name with XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX and XXXX. I sent a letter to the member XXXX XXXX XXXXXXXX to get in touch with XXXX XXXX so they can take my name and the loan off the credit bureaus. Also at that same time ( XX/XX/XXXX ), I filed a dispute with Transunion about this same loan. Transunion investigated it and found out that the loan was " Accurate '' and does exist, the result was mailed to me on XX/XX/XXXX. By this time, my credit/fico scores dipped down by XXXX points. I emailed XXXX again about this investigation letter and I was told that XXXX acknowledged that this loan is cancelled on XX/XX/XXXX and that I should just discard the report sent to me by Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: MD

Complaint narrative:
" standard '' id= '' XXXX '' } I am filing this complaint regarding how Chime Financial handled my dispute for transactions where I paid for goods that were never delivered. On XX/XX/XXXX, my account was charged {$1100.00} by a merchant listed as " XXXX. '' On XX/XX/XXXX, my account was charged another {$67.00} by the same merchant. These transactions were for items that were supposed to be shipped to me. After the purchase, I received tracking information from the seller, but the tracking status never updated beyond the initial stage. The shipment never moved and no package was ever delivered to me. I attempted to contact the seller multiple times regarding the missing order, but the seller stopped responding and never provided any assistance. Because the items were never delivered, I filed a dispute with Chime Financial and provided supporting evidence including the non-updating tracking information and proof that the seller was not responding. Despite providing this documentation, Chime denied my dispute and did not issue any provisional credit while investigating. I was not provided a clear explanation of how the investigation determined that the charge was valid even though the goods were never delivered. The total amount of these disputed transactions is {$1200.00}. I believe this dispute was not properly investigated. I am requesting that Chime Financial reopen the investigation and issue a refund for the transactions involving goods that were never delivered. Additionally, I currently have another similar transaction under dispute with Chime involving the same type of issue where goods were never delivered. I am concerned that the dispute process is not being handled properly.

Company response to consumer: Closed with explanation