vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
My Bank of Hawaii EASE checking account ( ending XXXX ) repeatedly returned ACH payments to XXXX Internet over several months without notifying me in any way. No NSF fee was charged, no return payment notice was sent, and no alert of any kind was given. Because I received no notification, I had no way of knowing payments were being rejected on the backend. The payments appeared to leave my account but were being returned to XXXX, which resulted in XXXX accumulating {$430.00} in returned payment charges against my account. Bank of Hawaiis EASE account is marketed as having no overdraft fees, but the consequence is that payments are returned silently with zero consumer notification. I had no opportunity to address the situation because I was never informed it was happening. I am requesting an investigation into why no notification was provided for each returned item, and I am requesting documentation of the return reason codes used for each rejected payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX WXXXX XXXX DC XXXX RE : SELECT PORTFOLIO SERVICING MORTAGE NUMBER XXXX Ladies and Gentlemen : Select Portfolio Services is the servicer of my mortgage loan backed by XXXX XXXX XXXX XXXX XXXX, as Trustee for the benefit of the XXXX XXXX XXXX XXXX XXXX XXXX. They have stated that the Bank Investor ( XXXX XXXX ) has denied me standard conventional loan options, such as Forbearance, Deferral and Loan modification. However, I have not had loan modification since XXXX. My deferral was under XXXX in XXXX. And there have been no reasons stated why I cant get the XXXX XXXX programs above. I am XXXX months behind in my mortgage struggling with medical issues financial hardship. I was offered a XXXX repayment plan by my servicer that I can not afford. However, if servicer granted me a XXXX XXXX forbearance and then a deferral, I could put missed payments to the back of the loan and resume normal monthly payments going forward. When I questioned the supervisor of Select Portfolio and customer service reps, they could not give me adequate explanations on why I was denied these XXXX XXXX conventional loan retention programs typically offered to other people in similar situations, to help me save my house. They only stated that investor denied all options. In XXXX months, they will put me in foreclosure status if I cant pay their repayment plan. I am approaching XXXX, and I do not want to lose my house when I can afford to keep it if given the above options to save my house. XXXX other thing, I had XXXX XXXX bankruptcy in XXXX and the property was part of that Bankruptcy. Can you help me or talk with the bank? Sincerely, XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo continues furnishing information regarding account ending in XXXX to XXXX XXXX XXXX after account closure. The account history includes temporary overdraft and return transaction indicators, but Wells Fargo has not provided me with sufficient documentation proving the accuracy, completeness, and continued necessity of reporting this account. Under the Fair Credit Reporting Act and CFPB guidance regarding specialty consumer reporting agencies, consumers have the right to dispute information that is inaccurate, incomplete, misleading, or incapable of verification. I dispute the continued furnishing of this account and request a complete reinvestigation.

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 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
My mobile phone was physically stolen, along with my passwords and account credentials. Fraudulent transactions were subsequently carried out from my Wise account using the stolen device. During a recorded telephone call with Wise, a representative confirmed that my phone had been stolen and that the disputed transactions originated from the compromised device. I have retained a recording of this call. At the time the fraudulent transactions took place, I was physically present in the XXXX XXXX working shifts for XXXX. I can provide employer timesheets, work records, and location evidence confirming that I was at work when the fraud occurred. I therefore could not have carried out these transactions myself. My account was also accessed from foreign IP addresses in XXXX and XXXX XXXX during the period of the fraud. This activity was entirely inconsistent with my normal account usage. I reported the theft to the police and provided Wise with a police report. I also informed Wise that I am a vulnerable adult. Despite this, Wise rejected my fraud claim on the basis that standard authentication procedures had been completed. I do not believe Wise carried out a fair or thorough investigation. Wise did not properly consider the evidence I provided, including the police report, my work records, and the fact that my phone had been stolen. Despite my requests, Wise also failed to provide any information about the device or devices used to access my account, the relevant IP addresses, login records, or other technical evidence relied upon when rejecting my claim. The disputed transactions are : XXXX ( converted from XXXX XXXX ) XXXX paid to XXXX XXXX amount lost : XXXX I dispute Wises conclusion that these transactions were authorised. The decision to reject my fraud claim was unreasonable and unsupported by a proper investigation. As a result of Wises actions, I have suffered significant financial loss, distress, and a serious impact on my mental health.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NRA Group, LLC
State: TX

Complaint narrative:
am filing a complaint against XXXX XXXX XXXX regarding an alleged debt they are reporting and attempting to collect. * Creditor/Collector : XXXX XXXX XXXX XXXX XXXX Amount : {$5600.00} * Date Opened/Reported : XX/XX/XXXX I dispute the validity of this alleged debt. I have not been provided proper verification or documentation proving that this debt is accurate, that I owe this amount, or that XXXX XXXX XXXX has the legal right to collect it. Despite this, the account is being reported and/or collected, which is negatively affecting my credit. I am requesting that : The debt be fully validated with proper documentation. I am also disputing multiple additional collection accounts that are being reported on my credit file. These accounts appear inaccurate, unverified, and/or duplicative, and I have not received proper documentation validating these debts. Accounts in Dispute : National Recovery Agency * {$4200.00} Opened XX/XX/XXXX * {$8500.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX * {$1100.00} Opened XX/XX/XXXX * {$1200.00} Opened XX/XX/XXXX * {$1900.00} Opened XX/XX/XXXX * {$540.00} Opened XX/XX/XXXX Complaint Details I dispute the validity of all the accounts listed above. I have not been provided with : * Proof that these debts are mine * A full accounting of the amounts claimed * Documentation showing these agencies have the legal right to collect Several of these accounts also appear to be multiple entries from the same collector with similar dates, which raises concerns about duplicate or inaccurate reporting. What I Want I am requesting that : 1. Each account be properly validated with full documentation 2. Any account that can not be verified be removed immediately from my credit report 3. Any duplicate or inaccurate entries be deleted 4. All collection activity cease until proper validation is provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
am filing a complaint against Jefferson Capital Systems regarding an alleged debt they are reporting and attempting to collect. * Creditor/Collector : Jefferson Capital Systems LLC * Amount : {$5600.00} * Date Opened/Reported : XX/XX/XXXX I dispute the validity of this alleged debt. I have not been provided proper verification or documentation proving that this debt is accurate, that I owe this amount, or that Jefferson Capital Systems has the legal right to collect it. Despite this, the account is being reported and/or collected, which is negatively affecting my credit. I am requesting that : The debt be fully validated with proper documentation. I am also disputing multiple additional collection accounts that are being reported on my credit file. These accounts appear inaccurate, unverified, and/or duplicative, and I have not received proper documentation validating these debts. Accounts in Dispute : XXXX XXXX XXXX * {$4200.00} Opened XX/XX/XXXX * {$8500.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX * {$1100.00} Opened XX/XX/XXXX * {$1200.00} Opened XX/XX/XXXX * {$1900.00} Opened XX/XX/XXXX * {$540.00} Opened XX/XX/XXXX Complaint Details I dispute the validity of all the accounts listed above. I have not been provided with : * Proof that these debts are mine * A full accounting of the amounts claimed * Documentation showing these agencies have the legal right to collect Several of these accounts also appear to be multiple entries from the same collector with similar dates, which raises concerns about duplicate or inaccurate reporting. What I Want I am requesting that : 1. Each account be properly validated with full documentation 2. Any account that can not be verified be removed immediately from my credit report 3. Any duplicate or inaccurate entries be deleted 4. All collection activity cease until proper validation is provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/year>, I received a text from Chase Bank stating fraud has been detected and 2 of my checking accounts are being closed immediately. No warning and wouldn't elaborate what the problem was. They told me the money in my account isn't available and they were holding it until the investigation was complete ( could take up to 30 days or longer ). They haven't refunded my money which is {$1800.00}. That money was to be used for my rent and bills. I'm a single women/senior citizen and I have limited funds which they're holding. They refuse to release my money to me. Every time I call or go into the bank each person gives me a different story, which they're only saying might be fraud. I did change my direct deposits and change banks. How can I go about receiving my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo continues reporting account ending in XXXX to XXXX XXXX XXXX as a closed savings account. I dispute the completeness and accuracy of this reporting and request documentation establishing the factual and legal basis for furnishing this information. Pursuant to 15 U.S.C. 1681s-2 ( b ), Wells Fargo must conduct a reasonable investigation and review all information provided by the consumer. If Wells Fargo can not verify the information through original records, continued reporting is improper.

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 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Evident Capital LLC
State: MO

Complaint narrative:
Letter sent with Pre-Approved for a consolidation loan. When I called, they took my info and then said they denied me. Misleading and misrepresentation of their mailer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
The vehicle tied to this joint contract ( covering both primary and co-signer ) sustained front-end damage which was initially repaired, but the vehicle was ultimately determined to be a total loss and officially written off by the insurance provider in XX/XX/XXXX. Following the total-loss write-off, a contractually required XXXX insurance policy was executed, and the payout check was issued directly to the lender to cover the remaining deficit balance on the loan ledger. Despite the vehicle being completely written off and non-existent, I was forced under duress to continue making out-of-pocket manual payments of {$410.00} per month from XX/XX/XXXX until XX/XX/XXXX, totaling approximately {$6200.00}. I recently contacted the company directly to find out why they are still actively penalizing my credit files. Corporate representatives explicitly and flatly admitted to me over the phone that the company 'wanted the money, not the car, ' and openly confirmed that they kept the XXXX insurance payout 'as their own " corporate profit while asserting that I still had to pay the entire debt regardless of the insurance settlement. To conceal this financial non-compliance, the company has intentionally locked consumer access to the online portal so I can not review the physical accounting ledger. Furthermore, the company is actively engaged in illegal debt re-aging on my current credit files right now. My official XXXX credit file explicitly shows a final payment details date of XX/XX/XXXX. Yet, as of today, XX/XX/XXXX, the company is continuing to report a massive past-due balance of {$17000.00}. They are actively violating the Fair Credit Reporting Act ( FCRA ) by reporting continuous, rolling XXXX days past due ' statuses all the way through XXXX and right into XXXX on my XXXX report to artificially re-age the account and manipulate the federal XXXX credit deletion clock. A lender can not fabricate a {$17000.00} debt balance by pocketing insurance payouts, nor can they manipulate historical default dates to extend a credit penalty past its legal limits.

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 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I scheduled a payment of XXXX dollars which was over the minimum. They tried to withdraw the minimum too. Then faulted me for the payment bouncing. I only transfer enough to cover what I post and they screwed me over. To top it off the agent was very rude and unhelpful.

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 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: AR

Complaint narrative:
I formally dispute the reporting of the student loan account ( s ) appearing on my consumer report. The information being furnished is inaccurate, unverified, and is causing harm to my credit profile. Pursuant to my rights under the Fair Credit Reporting Act, I demand a reasonable investigation and strict proof that these accounts are being lawfully reported. Furthermore, under the Gramm-Leach-Bliley Act, I request disclosure of any signed application, promissory note, authorization, or other documentation establishing a lawful relationship and permissible purpose for the sharing and reporting of my private financial information. If the furnisher can not provide competent documentary evidence verifying the accuracy and ownership of these accounts, I demand their immediate deletion from all consumer reporting agencies. Continued reporting of unverified or inaccurate information constitutes a violation of federal consumer protection laws. I request removal of these accounts and written confirmation of the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I dispute Wells Fargos continued reporting of account ending in XXXX to Early Warning Services. The account has been closed and I have not been provided sufficient documentation demonstrating that the information currently furnished is complete, accurate, and verifiable. The continued reporting has adversely affected my ability to obtain financial services. Under the Fair Credit Reporting Act, consumer reporting information must be accurate, complete, and capable of verification. I request Wells Fargo conduct a full reinvestigation and provide all supporting documentation.

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
" I am filing a formal complaint against Chime for failing to properly investigate unauthorized transactions under Regulation E. Between XX/XX/year>, and XX/XX/year>, a total of {$6100.00} was stolen from my Chime account via unauthorized charges from 'XXXX '. My minor daughter, XXXX XXXX, stole my XXXX phone and tablet to make these purchases without my consent. Because I lost access to my communication devices, I was unable to access my account until I obtained a new device. On XX/XX/year>, I filed an official police report and witness statement. I provided these documents to Chime via email and the app. On XX/XX/year>, I spoke to a Chime supervisor named XXXX, who refused to help or properly process this {$6100.00} fraud claim. I demand that Chime honor federal consumer protection laws, review my police report, and credit my account for the stolen {$6100.00}. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO

Complaint narrative:
I have a Citizens Bank account I want to close. I have received 4 maintenance fees of {$9.00} since XXXX. I called on XX/XX/year> and spoke to a woman named XXXX. She told me I had 3 fees and that she waived them. This was an outright lie. She also told me I had to go to a branch to close my account. I told her I'm in Colorado. She said to transfer away the balance to {$0.00} and then I could call back. I can not transfer away the balance unless I verify my other account, a process that takes 2-3 business days. I want the remaining fee and my account closed without delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing complaint regarding a credit cards accounts reported my Experian credit report. I disputed these accounts with Experian on XXXX because I believe the information is inaccurate or unverifiable. I requested that these institutions and Experian provide proper documentation, including a signed agreement, full account history, and proof that the accounts belongs to me. However, these accounts was marked as verified without any documentation being provided. I also requested validation directly from all companies, but they failed to provide sufficient evidence. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate and fully verifiable. Despite my dispute, these accounts remain on my credit report and continues to negatively impact me. I am requesting a proper investigation and the removal of these accounts if it can not be fully verified with documented proof. XXXX XXXX OPENED XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX OPENED 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 non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: Central Research Inc
State: MD

Complaint narrative:
I am submitting this complaint to Central Research , Inc. ( CRI ) in response to complaint ID : XXXX. I appreciate CRIs timely response and the documentation provided. However, CRIs response does not provide evidence supporting its prior statement that these changes were made by me through my XXXX XXXX XXXX ( XXXX ) account. The documentation provided only shows the information before and after the change. It does not identify what evidence was relied upon to conclude that I personally initiated and authorized the changes. I am seeking a complete explanation of how CRI concluded that I authorized these changes and what records were reviewed in reaching that conclusion. Specifically, I am requesting clarification regarding : * The basis for CRIs statement that the changes were made by the student through the XXXX website. * Whether any audit logs, authentication records, account access records, IP address logs, device information, or other documentation exist that support this conclusion. * Whether any verification was performed before my longstanding XXXX email address was replaced with an XXXX email address that I have never used. * Whether any notification was sent to my existing email address or mailing address before these changes were processed. The records provided show that my demographic information changed on XX/XX/year>, but they do not establish that I was the individual who made those changes. If CRI maintains that I personally updated this information through my XXXX account, I request the evidence supporting that determination.

Company response to consumer: Closed with explanation