vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: NV

Complaint narrative:
I have 6 private student loans out with XXXXMohela totaling {$61000.00}. All from a For-profit school, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The school and the Organization it falls under is in multiple law suits regarding fraud. I recently applied for a Misconduct for my Private loans as it was all fraud. I sent pages and pages of evidence. I filled out the application stating all the harm and lies I was caused by this school. I submitted my federal loans dischange letter, too. The federal loans are discharged and I have enough evidence to discharge the private loans. The reasons why they denied my misconduct make no sense at all as I have all the evidence. Reason 1 : insufficient alleged misconduct and or narrative explanation of alleged misconduct./ I have it in the application saying how the mis-lead me, how all the tactics were all lies. The pure evidence, emails, letters are all uploaded in the file. Reason 2 : Insufficient supporting evidence of alleged misconduct/ what more do you need besides law suit after law suit saying how the school was fraud?? Reason 3 : Insufficient alleged harm and or narrative explanation of alleged harm/ I had no job coming out of a school that charged me $ XXXX!! I have no assets because this loan is taking my credit down. I sent my credit report its XXXX!!! Reason 4 : Insufficient supporting evidence of alleged harm/ did you not even read the report?? I stated how I had no job, no career services from the school. How I was forced to take out private loans, how I was targeted as a low income student. But, yet the CEO 's from this company were getting $ XXXX $ XXXX in bonuses a month!! All that proof was in my application. Reason 5 ; Insufficient evidence that alleged misconduct caused alleged harm/ You need not read the report and just started to put reason down. I have more then enough to proof all the harm I have caused because of this loan and school. Reason 6 : Length of time Since the alleged misconduct occurred. Thats insane. I knew this school was all lies apon my last year. We need to see the down fall and other student making a community to get them fall. Reason 7 : length of time since you became aware of the alleged misconduct/ now Mohela is just making lies up too and makeing silly excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding SoFis handling of ongoing merchant billing activity and account protection procedures during an active dispute investigation involving the merchant XXXX XXXX While my original dispute investigation remained open, I experienced multiple additional attempted charges from the same merchant in rapid succession, including attempted charges for varying amounts. These attempts occurred while I was actively speaking with SoFi representatives regarding the unresolved dispute. When I asked why the merchant was still able to submit additional charges during an active investigation, I was informed by a SoFi representative that the charges were still permitted because I didnt tell SoFi to stop them. My concern is not only the original dispute itself, but also that I was never proactively informed about available account protection measures such as : * merchant blocking options, * stop-payment protections, * revocation of recurring authorization, * or debit card/account replacement procedures. As a consumer actively disputing this merchant relationship, I reasonably believed that additional account safeguards or protection options would have been discussed once repeated billing attempts continued during the active investigation. I am also concerned regarding the lack of a clear investigation timeline. I was informed that the investigation could continue beyond 90 days with no specific end date, and approximately 45 days into the investigation I was advised that the merchant still had not responded to the dispute inquiry. From a consumer perspective, this creates concern that disputes may remain unresolved indefinitely based largely on merchant nonresponse, without clearly explained escalation procedures or procedural deadlines. My concerns in this complaint are specifically related to : * continued attempted merchant billing activity during an active dispute investigation, * lack of proactive guidance regarding available account protections, * and the absence of clearly defined procedural safeguards or timelines during prolonged investigations involving nonresponsive merchants. I respectfully request review of SoFis dispute-handling procedures and consumer protection practices related to ongoing merchant billing activity during unresolved investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Cornerstone First Mortgage, Inc.
State: AR

Complaint narrative:
The mortgage company pre approved us and then had us spend thousands of dollars getting ready to close but then kept adding to what was needed pushing closing. Each time we would meet the requirements they would then add more things needed. The company even asked in text for my wife to lie about losing her job to show hardship on her student loans which we did not feel comfortable doing. They did this until the sellers terminated the contract leaving us worse off then when we started trying to buy a house. I am a XXXX veteran and have never felt so disrespected and lied to. And what kind of company ask you to lie. Do they not have ethical responsibility? This was cornerstone first mortgage and I have all the emails and documents

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 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
We have just purchased a new home, closing on XX/XX/XXXX. The loan was ready by XX/XX/XXXX, but we were waiting for the solar company to complete their loan transfer documentation. They made multiple, intentional mistakes to get us into different loan types. Eventually, people from the escrow company, real estate agents, and their supervisors intervened to correct the documents. After closing, I received emails from the solar company asking me to sign new XXXX documents ( which I did not ), as they were trying to change the loan amount and interest rates. We received a demand for the first payment on XX/XX/XXXX for {$110.00} ( incorrectly, as it should have been {$98.00} ). The date and amount were both wrong. I recently received a statement with a due date of XX/XX/XXXX for {$230.00}, even though I already paid the first month. I am trying to get them to correct their paperwork/statement, but they are not acknowledging receipt of the first payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate Account Number : XXXX Account Name : Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Offending company : XXXX Amount withdrawn from my debit card/checking account : {$30.00} Time : Every year for the past three years during the month of XXXX This charge is for maintaining a web address : XXXX I discontinued my website and reported this to XXXX and also told them I would not renew my reservation of my address. They never replied and do not respond to any of my attempts to contact them over the past three years. At one time when I began my website several years ago I authorized such withdrawals but now I have no response when I want to cease such authorization of withdrawals. This is common practice among many companies once they secure automatic periodic withdrawals. This money is removed from my Chase checking account. I contacted Chase at my local bank in XXXX CO and they told me there was nothing I could do except contact XXXX. I told them I had attempted this many times and had gotten no response. Chase still said there was nothing they could do. Prior to this XXXX problem I encountered the same issue with a podcast group named Deconstructionists where I initiated a subscription to their podcasts. I got the same stonewalling treatment from them as well as Chase. I would appreciate you contacting Chase on my behalf and informing them in no uncertain terms to stop these unauthorized withdrawals immediately. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Someone gained unauthorized access to my Chase credit card account and redeemed 291,335 reward points for an XXXX XXXX XXXX between XX/XX/year> and XX/XX/year>. I did not authorize this transaction. I reported the fraud to Chase on XX/XX/year>, changed my credentials, and requested a new card. On XX/XX/year>, Chases Fraud Department sent a letter stating I am responsible for the redemptions and that no adjustments would be made. They closed the investigation without reinstating my points and without explaining what evidence led to that conclusion. The redemption of 291,335 points in 3 days for an XXXX XXXX XXXX is inconsistent with my account history and is a well-known fraud pattern. Chase has not disclosed what device or IP address was used, or explained how they determined I was responsible. I am requesting that Chase reinstate the 291,335 reward points, conduct a full reinvestigation, and provide a written explanation of their determination. I have also submitted a formal written appeal to Chases Executive Office via certified mail. The approximate value of the stolen points is between {$2900.00} and {$4400.00}. This is a significant financial harm and I believe Chases refusal to reinstate the points is unjust.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
In XX/XX/year>, my wife and I departed on a cruise from XXXX, XXXX. We were only there for about XXXX hours and walked around town. The only place I used my Barclays cc that day was at the XXXX XXXX. We then departed on cruise. When I retirned hime, I noticed there was a XXXX charge on my card on the same day as the XXXX XXXX. I did not make this charge so I immediately reported the fraud. Barclays issued me a new card. the XXXX charge was removed and I continued using the new card and paying my bills. I usually pay the bill in full each month and was not paying attention to statements. A couple months later I notice the XXXX is back on my statement. I contacted Barclays and they are saying that since it was chip inserted, I had to have made the charge. The card did not leave my possession except for the time I paid the bill at the restaurant. I have been complaining about this to no avail. My only fault was not immediately seeing the charge back on my bill although I dont think it would have made a difference since they insist I made the charge. Even their own rep over the phone told me they thought the company was a fraudulent company although they cant even tell me who it was! I have an XXXX credit rating. I did not achieve this by not paying my bills. My only mistake was not seeing the charge back on my bill as I received no written correspondence in the mail from them regarding the fraud complaint. I had written to the President of Barclays USA and they had someone call but he was not of much help and never returned phone calls. I had also written to Barclays in XXXX as the parent company. Apparently they do not even bother to answer customers international letters.

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 2026-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CIBC BANCORP USA INC.
State: IL

Complaint narrative:
I have around {$6000.00} in a savings account through CIBC. This account was initially set up as a minor account with my dad on it. My dad has since passed away. I was XXXX at the time of his passing and now I'm XXXX. This bank claims that I need my dad present to be able to withdraw money. I have shown them his death certificate, my ID that states that I am over XXXX. I am still not able to access this money and the bank won't explain what I need to do moving forward without consulting their legal team.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I went to the store and paid cash to buy a {$200.00} prepaid visa gift card card and a {$100.00} prepaid visa gift card they gave me a purchase reciept and an activation receipt I took the cards immediately after purchasing them and tried to register them the {$200.00} card was fine the {$100.00} card they said someone had already registered it .. this card was in a closed package and I opened it minutes before the registration process I was the only one to see the card after opening it the person I spoke with asked me to take pictures of the receipts and the cards and send them to their email they waited on the phone until they received the email they said a new card would be issued within 7 business days the next day I get an email requesting the same info I sent this information 9 TIMES finally I got an email saying that the information was received and it would take 90 days to complete the investigation I reported IT to the cfpb AND THEY SENT ME AN EMAIL SAYING THEY HAD CLOSED THE DISPUTE NO FURTHER EXPLAINATION XXXX STOLE MY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
XXXX, accepted my application to be considered for forbearance or deferment of my loans however I am still receiving notice of payment due Nelnet sent me emails verifying that my account will not be activated for payment, but will be deferred. Finances are scarce, I am XXXX XXXX XXXX and I am a State snap recipient who have not worked since XXXX. I still do try to seek employment seasonal or otherwise but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am filing this complaint against Chase Auto regarding inaccurate and harmful credit reporting related to a redeemed repossession account. In XX/XX/year>, the vehicle was redeemed and I have remained current on my payments since the redemption. However, Chase Auto continues reporting repossession-related derogatory information in a manner that is inaccurate, misleading, unfair, and damaging to my credit profile. Specifically : The balance being reported is inaccurate. The reporting does not properly reflect that the vehicle was redeemed. I have remained current on payments since XX/XX/year>. The continued repossession reporting does not accurately reflect the current status and payment performance of the account. My personal information was also impacted in a data breach associated with this account, raising additional concerns regarding Chase Autos handling and accuracy of my account information. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ), furnishers are required to report information with maximum possible accuracy and conduct a reasonable investigation of disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year> at XXXX UTC, I initiated a {$230000.00} USDC withdrawal from my Coinbase account to my XXXX XXXX account ( reference : XXXX ). The " Instant Transfer '' option was pre-selected by default in the Coinbase interface. There was no confirmation or overview screen displayed before the transaction executed, giving me no opportunity to review or change the transfer method or see the fee amount. As a result, I was charged a {$1000.00} fee that I did not knowingly authorize. Coinbase 's own help page states fees should be reviewed before completing a transaction, but no such screen was presented. I contacted Coinbase support via live chat ( case # XXXX ) and was denied a refund. The agent confirmed that an overview page should always appear before a transaction executes but it did not in my case, indicating a system error on Coinbase 's platform. I am requesting a full refund of the {$1000.00} fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On Wednesday XX/XX/year> I was scammed from a spoof scammer and drained of my account. They knew all my account information and knew information that only one would know like direct deposit times and amounts and my employers, they knew loans I had taken out and were able to close my account without my approval. They called and acted like they were blocking my card from fraud alert use for airline tickets. Had me move money saying they were closing my account and transferring funds to another account. They send me a message 1 time code that my bank uses as well in the same format. I submitted a claim once I realized it was a scam and was told by my bank it was a scam and I would be refunded after the investigation and then my claim was denied after 3 days. Then when I reopened my account a 1 time code was sent from my bank through the exact same text as the scam

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Here it is in plain text ( no formatting block ), so you should be able to tap-and-hold and Select All / Copy : I am submitting this supplemental complaint regarding Bank of America in connection with my prior complaint involving unauthorized wire transfers resulting from an account takeover. I have obtained documentary phone records that materially strengthen my concern that Bank of America failed to respond appropriately after receiving notice of active fraud. On XX/XX/year>, immediately after discovering the fraudulent account takeover and unauthorized wire activity, I contacted Bank of America seeking urgent intervention. My phone records show repeated communications with Bank of America and/or bank-directed transfers throughout the day, including : XXXX XXXX 80 minutes XXXX XXXX 31 minutes XXXX XXXX 5 minutes XXXX XXXX 1 minute XXXX XXXX 103 minutes XXXX XXXX 3 minutes XXXX XXXX 9 minutes These documented calls alone total more than 230 minutes of communications on XX/XX/XXXX while I was actively attempting to report the fraud and obtain urgent assistance. Additional BOA-related calls also occurred on XX/XX/year>, reflecting continued efforts to resolve the matter. During one communication, a Bank of America representative acknowledged the repeated unnecessary transfers, apologized, and stated that Bank of America was attempting to reduce such internal routing problems and would report the issue. This raises serious concern that Bank of America failed to promptly escalate my fraud report during a critical recovery period when immediate intervention, wire recall efforts, or direct coordination with the receiving bank may have improved the possibility of recovering stolen funds. I am not asserting certainty that recovery would have occurred, but I am asserting that Bank of Americas delayed and fragmented response after receiving notice may have materially impaired recovery efforts. Bank of America claim numbers : XXXX XXXX I respectfully request CFPB review this newly documented evidence as part of my complaint against Bank of America.

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