vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am submitting this complaint regarding an ACH transfer from my Chase account that I authorized based on fraudulent misrepresentation ( business impersonation ). I intended to purchase a vehicle from a legitimate dealership ( XXXX XXXX ). After the payment posted, I learned the party I was communicating with was impersonating the dealership. The vehicle was not delivered, no shipping documentation was provided ( no carrier information or Bill of Lading ), and the seller became unresponsive. I immediately contacted Chase to report the fraud and request recovery options. Chase advised that they do not have an option to dispute an ACH transaction and declined my claim. I am requesting that Chase provide a meaningful fraud investigation and pursue available recovery efforts through ACH operations and interbank channels, and provide the transaction details needed for law enforcement and the receiving banks investigation. Key timeline XX/XX/XXXX. XXXX : I initiated an ACH transfer from my Chase account in the amount of {$56000.00} for a vehicle purchase. XX/XX/year> : The ACH transfer posted/cleared ( funds left my account ). XX/XX/year>XXXX : Delivery date stated in the purchase documents ; the vehicle was not delivered. XX/XX/year>XXXX : Seller stopped responding ; no carrier/BOL was ever provided. XX/XX/year>XXXX : I reported the issue to Chase and requested assistance recovering funds ; Chase advised there is no dispute option for ACH and declined the claim and my only option was to speak with local authorities. Although I initiated the transfer, it was authorized under deception due to impersonation fraud. This is not a routine customer dissatisfaction dispute ; it is a fraud event where the payee identity was misrepresented and the goods were not delivered. Chases position that there is no option to dispute ACH has left me without a meaningful path to resolution despite promptly reporting the issue. I am requesting CFPB assistance to ensure Chase : Conducts a full fraud review appropriate for an impersonation scam / authorized push payment fraud scenario ; Escalates to ACH/Fraud Operations to attempt recovery through interbank channels with the receiving bank ; Provides written explanation for the denial and the basis for refusal to pursue recovery attempts ; and Provides complete ACH transaction details, including the ACH trace number and any addenda information, to support law enforcement reports and receiving-bank investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: DE

Complaint narrative:
Upon checking my credit report on XX/XX/XXXX, I notice a company by the name of National Credit System placed a collection account on my file in XXXX of XXXX with an original lender listed at XXXX XXXX XXXX. Not only did this company fail to notify me via mail in regards to this fraudulent account, they also violated my rights by adding this account to my profile without proper procedures. I am requesting to obtain validation of debt under the Fair Debt Collection Practices Act ( FDCPA ) including the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The original contract/ agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges as well as a list of charges that total the amount claimed 4. Proof that the statue of limitations has not expired. I am also demanding this account to be removed from all my credit files immediately as I do not owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am filing a complaint against the company named PNC Bank.This company didnt contact me or gave me knowledge of why they dont rectify the situation. Also today XX/XX/year>XXXX I spoke with an agent in the mobile banking department who seemed very nonchalant, and uninterested in helping my problem as I was on hold 20 min after I asked to speak with a supervisor who can further assist me. Im assuming because she couldnt rectify the problem and she didnt want look like she wasnt doing her job properly that she purposely disconnected the call. As a result of this call and previous incidents with company, I will also escalate this matter to the FDIC for further assistance and investigation into this matter as the reason for the this response that my mobile app is frozen. I have provided a screenshot of if the frozen screen that Im describing.When I stated this to her she proclaimed it was my phone when that is incorrect. I have no issues with my other apps. The customer service agents are clearly reading a scripted format to respond to consumers which doesnt help me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
For two days, tried to access NFCU account. App said unable to. Called NFCU. Said there was fraud associated with my account. Asked why. No valid answer. Asked for Supervisor. No valid answer from her. Asked for Manager. Supervisors said no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: IL

Complaint narrative:
Called customer service two separate times requesting an updated loan payoff statement and an updated statement that doesnt show past due balances. They told me that they couldnt provide me with this information, even though I am legally entitled to this information under Regulation Z. I am familiar with loan regulations due to working at a bank and servicing loans.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PR

Complaint narrative:
I had a credit card account with Wells Fargo. In XX/XX/XXXX, several of my payments were returned due to insufficient funds at the time the transactions were processed. I explained to Wells Fargo that this was a timing issue with bank transfers and not fraud or unauthorized activity. Wells Fargo then requested that I submit IRS Form 4506 for verification. I contacted them multiple times to explain that I do not file that form and asked for alternative verification methods, but none were provided. Despite my cooperation and repeated requests, Wells Fargo ultimately closed my account in XX/XX/XXXX. During this process, I was denied access to my online account and did not receive any statements by email or regular mail for several months. Without statements or account access, I had no way to verify the balance or activity on the account. Only recently did I start receiving statements by mail, months after the account was closed. I made repeated attempts to resolve the situation and asked for alternative verification methods and documentation, but Wells Fargo responded with standard template letters and did not address my specific requests. I can not pay a balance that I can not see or verify. I am requesting a full review of how this account and complaint were handled, documentation of all account activity and balances, and consideration for adjustment, credit, or resolution of the account balance due to the lack of proper account access and communication.

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 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC
State: AZ

Complaint narrative:
for the past 6-7 months I have been calling LoanMax over the phone to make my monthly payment and when I can, I make a payment higher than the minimum to be applied towards my principle. On XXXX I was denied making a payment towards my principle over the phone, they would only accept minimum payment and they stated this was a new policy as of last week for all LoanMax locations. The employee told me that if I wanted to make a payment towards principle I had to go to a physical location and bring cash. I asked to speak to a manager and was told manager wont be in until Monday. Since the loan accrues daily interest I asked if they would pause interest accrual until I can come in to the office to make my additional principle payment and they said they could not pause interest accrual. I confirmed with employee that if I cant make it into office for a few days I would have to pay the extra interest accrued due to them not accepting my principle payment over the phone. I made my minimum payment over the phone to avoid any late fees or penalties and asked for a corporate phone number. When I called corporate I explained the situation and asked them to confirm that this was really true. They put me on hold and came back on the line to tell me that this was accurate and that they could not take mine or any other borrowers principle payment over the phone. They said they would notate my account and see if a manager would make an exception for me to make principal payment over the phone. I asked them to send me an email confirming that I was denied making a principal payment and they refused to do so.

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 2026-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I opened a Marcus savings account on XX/XX/year> in order to participate in a promotional offer that expires on XX/XX/year>. I transferred {$18000.00} from my XXXX account shortly after opening the account. On XX/XX/XXXX, I received an email stating that my statement preference had been changed and that I should contact Marcus if I did not make that change. When I attempted to log into my account through the mobile app, the system indicated that my account was restricted. I immediately called customer service. I was told that Marcus could not send a verification code to my phone because my phone number is not eligible to receive verification codes. My phone works normally and receives text messages without any issue. Marcus informed me that text message verification is their only method to verify identity. They refused to verify me using Social Security number, date of birth, security questions, or any other identity verification method. Because they were unable to send a text verification code, they refused to provide any information regarding my account and informed me that my account would be closed. I spoke with a security team manager named XXXX who refused to provide her last name. She mentioned possible reasons accounts could be closed but stated that she could not disclose the actual reason in my case. She also could not tell me when the account closure would occur. This situation is extremely concerning because Marcus currently has control over my deposited funds and refuses to provide any explanation or timeline. I called again and spoke with another representative named XXXX. He confirmed that their system indicates that verification codes can not be sent to my phone. The system requested an alternate phone number, which I provided, but he then stated that the system still indicated the account would be closed. Marcus appears to rely on only one verification method and refuses to offer any alternative solution when that method fails. This effectively prevents customers from accessing their own funds. Money paid to business : {$18000.00} I guess Im lucky I didnt transfer the full {$100000.00} yet. Desired resolution : I request that Marcus provide the specific reason why my account was restricted and closed, explain why my phone number is considered not eligible to receive verification codes, and ensure that my deposited funds are promptly returned to my linked bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I requested a XXXX hardship payment deferral ( XXXX XXXX ) on my auto loan due to simultaneous job loss, housing instability, and a serious medical diagnosis. Over XXXX days, the servicer engaged in a documented pattern of deception : XX/XX/year> XXXX emailed me directing me to call Collections, stating guidance on available options would be provided. I called. Representative XXXX verbally offered a XXXX deferral but refused written confirmation and conditioned it on first paying the XXXX balance toward a program he already knew did not exist. XX/XX/year> XXXX emailed me stating : " we do have other options available to help you make your current payments '' then again directed me to call rather than disclose options in writing. XX/XX/year> I followed up in writing demanding written confirmation of those options. XX/XX/year> XXXX disclosed for the first time in writing : " we do not have a hardship program available at the moment '' directly contradicting their XX/XX/XXXX written statement. XXXX contradictory written statements XXXX days apart. Options confirmed XX/XX/XXXX. Options denied XX/XX/XXXX. This is a deliberate strategy of phone misdirection to avoid written accountability. I am requesting written confirmation of the XXXX deferral originally offered.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The Core Issue : A national bank utilized a void chain of title to seize a primary residence. The banks standing was based on a XXXX Assignment of Mortgage from a corporation that had legally ceased to exist in XXXX. Despite formal notice of these defects in XXXX, the bank provided contradictory information to federal regulators. Timeline of Events and Actions : XX/XX/XXXX : XXXX XXXX XXXX legally merged into XXXX XXXX XXXX and withdrew from the State of Florida. XX/XX/XXXX : An Assignment of Mortgage was allegedly signed by XXXX XXXX XXXXtwo years after it had ceased to existtransferring the mortgage to XXXX XXXX. XX/XX/XXXX : XXXX XXXX filed a foreclosure action ( Case # XXXX ) based on this void assignment. XX/XX/XXXX : The court issued a Certificate of Title to Bank of America as the successor to XXXX XXXX. XX/XX/XXXX : The banks legal counsel filed the Certificate of Title in public records, which paid only {$0.00} in Documentary Stamp Tax. Under Florida Law F.S. 201.02, this confirms the property was sold to the bank for a nominal amount of {$100.00}. XX/XX/XXXX : In response to an OCC inquiry ( Case # XXXX ), Bank of America sent a formal letter claiming they were " not the investor '' on the first mortgage. This was a direct contradiction to the fact that they had already accepted the legal title to the property four months earlier.

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 2026-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I received a call on XX/XX/XXXX from ( XXXX ) a collection agent who advised that I was about to be sued for up to {$10000.00} to satisfy a payday loan granted to me in XXXX and or XXXX. The caller Identified himself as XXXX, I became quite alarmed when he quoted my correct birthdate and social security number. He became verbally combative when I told him he had the wrong person. I did business in XX/XX/XXXX with Speedy Cash loans for {$250.00}, whom I contacted at ( XXXX ) and informed Customer Service of the phone call, and was advised that the call must have been fraud. I have not done business with any other Payday Loan companies..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
I am filing a complaint because SoFi Bank denied my fraud claim for {$1000.00} in unauthorized gift card purchases made by a hacker who accessed my account. These transactions were not authorized by me, and I reported them to SoFi immediately after discovering them. On XX/XX/year>, I noticed multiple unauthorized gift card purchases totaling {$1000.00}. I did not make these transactions, did not authorize anyone else to use my account, and did not benefit from these purchases. I reported the fraud to SoFi right away. I cooperated fully with SoFis investigation and provided all requested information. Despite this, SoFi denied my claim and stated they would not reimburse the unauthorized transactions. The denial letter did not provide a clear explanation of how they reached this conclusion or what evidence they relied on. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, I understand that the bank must reimburse unauthorized electronic fund transfers unless they can prove that I authorized the transactions. I did not authorize these transactions, and SoFi has not provided any evidence showing that I did. I have supporting documentation including : Police report Screenshots of the unauthorized transactions My written timeline SoFis denial letter I am requesting that the CFPB review SoFis handling of my fraud claim, ensure that a proper Regulation E investigation is conducted, and require SoFi to provide reimbursement for the unauthorized transactions. I am also requesting that SoFi provide the investigation notes and documentation they used to deny my claim, as required under Regulation E. I am the victim of fraud and identity theft, and I am simply asking that SoFi follow federal law and properly resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Validation of Debt Request - PORTFOLIO - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for an American Express XXXX XXXX XXXX with a welcome offer of XXXX Membership Rewards points after spending {$15000.00} in eligible purchases within the required timeframe. My spending deadline was XX/XX/2025. My total posted spend by the deadline was {$14000.00}, {$430.00} short of the {$15000.00} threshold. However, on XX/XX/2025, three days before the deadline, I made a purchase of {$1600.00} that would have brought my total to {$16000.00}, well exceeding the {$15000.00} requirement. This purchase did not post to my account until XX/XX/2025, one day after the deadline, due to the merchant 's standard processing time. I initiated the qualifying spend within the required timeframe. The one-day posting delay was caused by the merchant 's payment processing and was entirely outside my control. I contacted American Express customer service and escalated to a supervisor, both of whom declined to credit the bonus. I am requesting that American Express XXXX the XXXX Membership Rewards point welcome offer, as I made the purchase three days before the deadline and exceeded the spending threshold. The only reason the requirement was not met was a single day of merchant processing delay.

Company response to consumer: Closed with explanation