vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX I transferred XXXX from my XXXX acct to what I thought was my Chase bank acct\n\nXXXX XXXX it hadnt gone through so I transferred another XXXX from my XXXX account to what I thought was my Chase account\n\n-I called Chase and XXXX XXXX when the money didnt arrive about 5 days later. They asked me to call back in another few days cause they said it could take 7 days.\n\n-When it still hadnt made it into my bank acct after that 7 days I called back.\n\n-When they asked for my account number, and I read it to them I realized that the account I transferred it to ended in a XXXX XXXX XXXX XXXX like my account so I had mistyped my account number in XXXX for the transfer.\n\n-They said they looked up that account number that I transferred it to and said it did not belong to anyone so the money had bounced back and they gave me these trace numbers:\nFor the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\n-I called and did a claim with XXXX to try to have them recall the funds. They sent me a letter and stated on the phone that now that the money is in Chase they cant or won\'t do anything.\n\n-I then called Chase again and they told me that someone gave me the wrong info and that the account number I sent the money is actually someones account and that now I need to file a "research" in the branch.\n\n-I have gone into the branch twice now, on XXXX XXXX XXXX XXXX and they have called a few different internal numbers and have tried to find out what to do and escalated it but no one seems to have the ability to do anything. They said with this latest escalation can take a few days but so far no one can seem to do anything.\n\n-Someone from the XXXX XXXX chase bank called and said she is also escalating the issue but it has been over a week and I have still not hear back with any information\n\n-I don\'t know where my money is, if they have told the person that owns that account that the transfers were accidental and do not belong to them. And they don\'t seem to want to try to get my money back from the incorrect account.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells fargo they were no longer involved with the XXXX XXXXXXXX were no longer contacting the court sincw XXXX XXXX XXXX XXXX XXXX, and constitutes a false representation to the court. This is a deceptive act under * XXXX XXXXXXXX XXXX * and a violation of the * FDCPA 15 U.S.C . 1692e *. Scheduled Due to Your Filing * Because of your XX/XX/year> filing, the XXXX XXXX XXXX XXXX is now scheduled for * [ XXXX XXXX XXXX ] *. The Courts XX/XX/year> order states the sale shall not be cancelled absent further of this XXXX. Your actions directly caused this sale to be rescheduled. Because of your XX/XX/year> filing, the XXXX XXXX XXXX XXXX is now scheduled for * [ XXXXXXXX XXXX XXXX ] *. The Courts XX/XX/year> order states the sale shall not be cancelled absent further of this XXXX. Your actions directly caused this sale to be rescheduled. * XXXX. Legal Action Already Taken * - - CFPB Complaint filed for mortgage servicing fraud - XXXX Attorney General Complaint filed for Deceptive Consumer Sales Act violations - XXXXXXXX XXXX XXXX XXXX notified of your unauthorized filing * XXXX. DEMAND TO CEASE & DESIST * I demand Wells Fargo immediately : XXXX. * Withdraw the XX/XX/year> Praecipe for Order of Sale * with XXXX XXXX XXXX ; XXXX. * File a Motion to Dismiss * yourself as Plaintiff for lack of standing ; XXXX. * Provide written confirmation * by [ XXXX Business Days From Now. that you have taken action to cancel the XXXX sale ; XXXX. * Send me the chain of title * proving when you sold this loan and to whom. * XXXX. Notice of Liability * Proceeding with a sheriffs sale when you know you sold the loan constitutes wrongful foreclosure. Wells Fargo will be held liable for all damages, including statutory damages under RESPA and FDCPA, attorney fees, and punitive damages for fraud upon the court. This email constitutes a * Qualified Written Request under RESPA 12 U.S.C. 2605 ( e ) * and notice of error under * 12 CFR 1024.35 *. You are required to respond within XXXX business days to acknowledge and XXXX business days to resolve. Consider this your final opportunity to correct this before the XXXX sale. I will hold Wells Fargo fully responsible for any loss of my home due to your unauthorized filing. Regards, XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint regarding conflicting information and unfair handling of my auto loan account after my vehicle accident and total loss claim. I was involved in an accident on XX/XX/year>, and proactively contacted Chase on XX/XX/year> to explain the situation and request a payment deferral while the insurance claim was being investigated. I was verbally advised by Chase representatives that my payment would not be reported late and that my adjusted due date would be XX/XX/year>, and I relied on that information. My vehicle was not officially deemed a total loss until later in the claims process, and I contacted Chase again on XX/XX/year>, to notify them once that determination had been made. This was the same day my auto XXXX confirmed XXXX XXXX of vehicle XX/XX/year>. Despite this, the previously processed deferral was later reversed, late fees were assessed, and I was informed the remaining balance was immediately due. I had contacted Chase on XX/XX/year>, as I noticed a late charge was added. I was informed my deferral from XX/XX/year>, was in the system, however total loss had reversed/cancelled the deferral. I was informed to call back. When I recently contacted Chase on XX/XX/year>, I was informed the deferral could not be implemented. I had explained that I could not pay the full remaining balance immediately, I asked for available hardship or payment options and was told there were none other than paying the balance in full. I am requesting review of the account handling, removal of the assessed late fees, correction of any inaccurate negative credit reporting related to this issue if applicable, and investigation into the conflicting information I was given and relied upon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing this complaint regarding inaccurate address information and duplicate collection accounts appearing on my credit reports with Experian , Equifax, and TransUnion. The address " XXXX XXXX XXXX, XXXX, MD XXXX '' is reported inaccurately and does not belong to me. I request that this address be removed from my credit reports as it does not reflect my correct identifying information. Under the Fair Credit Reporting Act, Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to ensure maximum possible accuracy in reporting personal information, and this incorrect address must be corrected to comply with this provision. Additionally, I dispute the collection accounts listed under " XXXX XXXX XXXX, '' each reporting a balance of {$130.00} with " XXXX '' as the original creditor. These accounts are being reported multiple times, suggesting duplicate entries. The repeated reporting of the same collection account with identical balances and creditor information raises concerns about the accuracy and completeness of these accounts. I request a full verification of these accounts, including supporting documentation from the original creditor. According to the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), I am entitled to a reasonable reinvestigation of disputed information, and these duplicate accounts must be properly verified or removed if they can not be substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing this complaint regarding inaccurate address information and duplicate collection accounts appearing on my credit reports with Experian , Equifax, and TransUnion. The address " XXXX XXXX XXXX, XXXX, MD XXXX '' is reported inaccurately and does not belong to me. I request that this address be removed from my credit reports as it does not reflect my correct identifying information. Under the Fair Credit Reporting Act, Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to ensure maximum possible accuracy in reporting personal information, and this incorrect address must be corrected to comply with this provision. Additionally, I dispute the collection accounts listed under " XXXX XXXX XXXX, '' each reporting a balance of {$130.00} with " XXXX '' as the original creditor. These accounts are being reported multiple times, suggesting duplicate entries. The repeated reporting of the same collection account with identical balances and creditor information raises concerns about the accuracy and completeness of these accounts. I request a full verification of these accounts, including supporting documentation from the original creditor. According to the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), I am entitled to a reasonable reinvestigation of disputed information, and these duplicate accounts must be properly verified or removed if they can not be substantiated.

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 — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
I made a mobile deposit with First Citizens Bank XX/XX/year> and the funds have not been released. They are alleging that the check is under investigation when in fact they are investigating me. They are requesting that I show proof that the check is legitimate. I have deposited checks from the same guarantor several times into my account at XXXX XXXX without any issue. I have never had this type of behavior from any of my banking institutions over 40 years. This feels like XXXX discrimination and or bias. I have been in contact with XXXX XXXX at XXXX XXXX XXXX. She has demanded that I show proof of legitimacy of a check from XXXX XXXX XXXX XXXX. I am an XXXX in private practice who has never been treated with such disrespect of my time or position as customer of a bank. This behavior is unacceptable. I want the funds released so that I may close this account and move to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint regarding XXXX handling of my personal and business accounts, which were frozen and later closed without a clear explanation or proper resolution regarding the funds that were held in the accounts. The issue began after several legitimate checks were deposited into my accounts. Citibank froze the accounts and informed me that the checks could not initially be verified. I fully cooperated with the investigation and provided all requested documentation and verification information directly from the check issuers in order to confirm the legitimacy of the deposits. After submitting the requested information, I was informed by Citibank representatives that the matter would be resolved within XXXX hours and that my accounts would be restored. However, when I followed up approximately XXXX hours later, I was told that the decision was final, the accounts would remain frozen, and all accounts would be permanently closed. I was further advised that any remaining balance owed to me would be mailed to me after the closure process was completed. Over the following XXXX days, I repeatedly contacted Citibank for updates regarding the status of my accounts and the release of my funds. During this time, representatives either stated they had no information available or advised that the closure process was still pending. Most recently, I was informed that all three of my accounts XXXX personal account and XXXX business accounts had been closed and that no funds were owed to me. This is extremely concerning because the accounts contained more than {$30000.00} at the time they were frozen. I requested further review and eventually spoke with a supervisor identified as XXXX XXXX During that conversation, she stated that she did not know where the funds were and that Citibanks back office department was currently holding the money. I was then told that, in order to recover my funds, I would need to contact the businesses that issued the checks and ask them to cancel the checks. This explanation does not make sense, especially since the checks had already been deposited and were under XXXX control during the investigation process. To date, Citibank has failed to provide : * A clear explanation regarding the location or status of my funds; * A written accounting of the balances and transactions related to my accounts; * Documentation explaining whether the deposited checks were returned, reversed, or otherwise rejected ; * Or any reasonable resolution regarding the release of my money. I am requesting that Citibank provide a full accounting of all funds associated with my accounts, explain the disposition of the deposited checks, and immediately release any funds lawfully belonging to me.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I called and spoke to a representative and they said they would be sending me a replacement card in the mail twice. I never received either cards they agreed to send me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KY

Complaint narrative:
Subject : Urgent Account Closed After Unauthorized Transactions/ Request to Reopen and Investigate To Whom It May Concern, I am writing about my Chime account ( last four digits XXXX XXXX or account number XXXX XXXX ), which was closed after I reported unauthorized transactions following a robbery on XXXX I did not authorize those transactions, and I have been disputing them since XXXX through XXXX but my concerns were not properly addressed and my account was closed without resolution. Summary : Incident : Robbery on XXXX my card/phone/access was stolen. Disputes filed : beginning XXXX and continued through XXXX Result : Account closed and I have been denied reopening or recredit for unauthorized charges. Impact : No access to funds ; severe financial hardship ; attempts to resolve with Chime representatives were unsuccessful. Requested action : Immediately reopen or fully investigate my account and the unauthorized transactions from XXXX onward. Provide a full explanation in writing for why my disputes were not accepted and why the account was closed. Recredit my account for any verified unauthorized transactions and restore access to my funds, or provide a timeline and plan for resolution. Provide contact information for a supervisor or the department handling fraud/dispute escalations. Enclosures and evidence I can provide : Police report filed after the robbery ( date : XXXX ). Transaction history showing disputed charges. Any prior correspondence or claim reference numbers. This matter has caused significant hardship. Please respond in writing within 10 business days with confirmation of receipt and the next steps to resolve this. If you need additional documentation, contact me at : Name : [ XXXX XXXX ] Phone : [ XXXX ] Email : [ XXXX ] Mailing address : [ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] Thank you for your prompt attention. Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> To Whom It XXXX Concern, I am filing this complaint regarding the handling and closure of my XXXX XXXX XXXX Card account issued by Synchrony Bank. I believe the account was unfairly closed based on inaccurate or unsupported information concerning alleged returned payments. Synchrony Bank informed me that my account was closed due to XXXX returned payments. However, after reviewing my records and speaking with representatives, I have not been provided with sufficient proof or documentation showing that there were actually XXXX returned payments connected to my account. I only have knowledge of XXXX returned payment, and Synchrony Bank has been unable to clearly identify or verify the alleged second returned payment. Despite my attempts to understand and resolve this issue, I have not received a proper explanation, supporting evidence, or a detailed account history confirming the basis for the closure decision. Closing an account based on inaccurate reporting or unverifiable information can negatively affect my credit profile, consumer reputation, and relationship with creditors. I respectfully request that the CFPB investigate this matter and require Synchrony Bank to : Provide documented proof of the alleged second returned payment. XXXX a full review of the account closure decision. Correct any inaccurate information being reported to the credit bureaus. Reconsider reopening the account if the closure was based on incomplete or incorrect information. Provide a written explanation of the specific reasons for the adverse action taken against my account. I value fair and accurate reporting and simply want proper documentation and a reasonable review of this matter. Thank you for your time and assistance. 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 2026-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I called MOHELA on XXXX XXXX XXXX on or around XXXX XXXX XXXX XXXX XXXX. The IVR indicated hold time was over 25 minutes. This is inappropriate. This is not a one-time isolated event. This has been a pattern and practice. MOHELA has the longest hold times and abandonment rates than all loan services by far. In addition, MOHELA has an F rating with XXXX I seek to hold MOHELA accountable. I am asking CFPB and FTC to sanction MOHELA. I hereby demand MOHELA to reduce their excessive hold times, otherwise, I will retain a consumer law attorney and class action attorney to file legal action against MOHELA.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: MI

Complaint narrative:
Credit karma money through XXXX I stupidly deposited a check XXXX that was drawn from XXXX. They have held the check refused to cash it and blocked it from being accessed in another bank. They have told me they have the funds but won't dispense them until the XXXX. 10 days to cash a check and asked why and now my account is frozen with zero explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE NOT MINE AND WERE NOT AUTHORIZED BY ME. I DO NOT RECOGNIZE THESE ACCOUNTS AND HAVE NO RESPONSIBILITY FOR THEM.

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