vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MIDFIRST BANK
State: OK

Complaint narrative:
I am submitting a complaint regarding MidFirst Bank due to ongoing issues with account management, customer service failures, and concerns about improper handling of my financial information. I have experienced repeated problems with this institution, including : * Incorrect account setup that resulted in loss of access to services such as XXXX for over five weeks * The need to open additional accounts due to errors made by bank staff * Difficulty obtaining accurate information or timely resolution through normal customer service channels On XX/XX/XXXX, I was informed that all required documentation had been received and that my account issues had been resolved. However, I later received a notice requesting additional documentation and warning of possible account closure if not provided. This was unexpected and inconsistent with prior communication. I am also concerned about the handling of my account information. During an interaction with a branch manager, details of another customers situation involving alleged fraudulent activity were discussed with me. This raised immediate concerns about privacy and confidentiality practices. Additionally, during that same interaction, I was repeatedly questioned about whether my own account activity involved fraud, and examples of illegal conduct were referenced. This created the impression that assumptions were being made about my legitimate account activity. I have also requested information regarding internal access to my account, including who accessed it and for what purpose, due to concerns about unnecessary or unauthorized review. I have not received a clear or complete response. These issues have caused significant stress and concern regarding the security of my financial information and the proper handling of my accounts. I am requesting that the bank : * Provide a clear explanation of account access activity * Ensure that only appropriate personnel have access to my account * Correct internal errors that led to these issues * Confirm that my account has not been improperly flagged I respectfully request that this matter be reviewed to ensure compliance with consumer protection standards. 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 2026-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: CT

Complaint narrative:
" I am filing this new complaint as instructed by a CFPB representative following the closure of my previous Complaint ID : XXXX. In the previous complaint, XXXX falsely claimed an unauthorized third party filed the dispute to halt the investigation. I am the primary account holder, XXXX XXXX XXXX XXXX. I have since contacted XXXX directly to verify my identity, and XXXX XXXX ( XXXX Ticket XXXX ) has officially responded and confirmed they are escalating the matter internally. This dispute is regarding a Reg-Z billing error for a {$1200.00} purchase from XXXX. The merchant negligently shipped this high-value item without requiring a signature, leading to a felony porch theft documented by a sworn XXXX Police Department report . XXXXXXXX XXXX automated system incorrectly denied my claim simply because tracking says 'delivered '. I am requesting that XXXXXXXX XXXX executive team manually review the attached police report, acknowledge the merchant 's signature negligence, and issue a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have tried to communicate with the company in order to do a deed in lieu of payment suspension, completed paperwork, and have not received a call or contact in over a month.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've always had to maintain a {$1000.00} balance to avoid fees. I login today and see they've been charging me $ XXXX for the last 4 months and that the new balance to maintain is $ XXXX. No notice was provided and when questioned they referred to the small print on a monthly statement from months ago. The statement was never sent or emailed 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 non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to request a formal reconsideration of my ATM dispute claim. While traveling internationally, I used my Chase debit card at an ATM that did not dispense any cash. I immediately filed a dispute ; however, my claim was denied based on the ATM operators logs indicating that cash was dispensed. I am requesting a more thorough review of this incident, including access to all available ATM audit logs and reconciliation reports. Specifically, I would like confirmation that there was no mechanical or system error that could have caused the machine to register a successful dispense without actually delivering the funds. I want to clearly state that I did not receive any cash from this transaction. I used my Chase debit card trusting that I would be protected in situations like this, and I am asking for a complete and fair investigation into the matter. Please advise on the next steps and provide any documentation related to the findings of your initial review. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
XXXX - this is the complaint ID filed by my father who was also negatively impacted by this company 's filing of collections on our credit report but Qualia has not adjusted my credit report. I understand that there was a broken window in my apartment after I vacated it but no itemized repair information, evidence of personal liability or Validation Notice was sent to me after I clearly stated that I dispute this report in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
My flood insurance was escrowed through PennyMac. According to correspondence from my insurance agency ( XXXX XXXX ), PennyMacs payment was sent 12 days after the expiration of a 29-day grace period, resulting in cancellation of my flood insurance policy. PennyMac subsequently charged my escrow account approximately {$4000.00} for lender-placed flood insurance and increased my monthly mortgage payment from approximately {$2700.00} to approximately {$3400.00}. I later obtained replacement flood insurance for approximately {$570.00} annually. I dispute the lender-placed insurance charges, escrow shortage, and resulting payment increase because the lapse appears to have resulted from a late escrow disbursement rather than any failure on my part to maintain insurance coverage. I am requesting a full investigation, correction of the escrow account, and reimbursement of improper charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime closed disputes XXXX XXXX and XXXX after i provided several documents showing merchant wouldn't refund my funds. Chime closed out each disputes and don't understand why. XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MOHELA
State: NV

Complaint narrative:
RE CFPB : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX RE FTC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Ombudsman Case # XXXX Control Number # XXXX Dispute Case # XXXX Per XXXX XXXX : No action is needed from you. No. XXXX. Fraud and Extortion on the part of XXXX, XXXX, Mohela, XXXX, XXXX, et al, with the US Department of Education as accomplice. Anything that I ever sign is contingent on a seamless experience, which I obviously have not received. I am not in " default '', nor can I go into " default ''. I am a two-time recipient of Borrower Defense to university misconduct, and, as documented and reported, the misconduct persists to this day. Numerous Cease and Desist Orders issued. The fraud and harassment continue. I never agreed to any such terms and conditions. The erroneous " credit score '' is illegally attached to my identity theft and Borrower Defense to academic misconduct, and I take zero responsibility for this fraud, so stop disrupting my uncompensated time at my age and skill level with these invasions of my privacy predatorily generating revenue from my identity while ensuring my poverty and homelessness. Redress for damages and exponential mental anguish. Redress for damages XXXX, University XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX XXXX ). Redress for damages XXXX, XXXX University ( XXXX XXXX ). Redress for damages XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ). United States Department of Education, et al, get these XXXX, XXXX, incompetent, perjurous, panhandling frauds out of my inboxes, get their hands out of my pockets, and issue me my earned XXXX in XXXX XXXX XXXX and diploma. CEASE AND DESIST. Guide yourselves accordingly. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ALL RIGHTS RESERVED Mobile : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as XXXX and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices. P.S. XXXX XXXX. FIX IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing several inquiries appearing on my credit report that I neither authorized nor recognize. These inquiries have adversely affected my credit profile and credit score, and their continued presence raises serious concerns regarding the accuracy of my credit file and the protection of my personal information. I previously notified your agency of these unauthorized inquiries and was assured that they would be investigated and removed. Despite those assurances, the inquiries remain on my credit report, and no meaningful corrective action has been taken. This failure to resolve the issue is unacceptable and continues to cause unnecessary harm to my credit standing. The presence of inquiries that were not initiated or authorized by me raises legitimate concerns regarding unauthorized access to my personal information and the potential for identity theft or fraudulent activity. Given the seriousness of these concerns, this matter requires immediate and thorough attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I am a federal student loan borrower serviced by Nelnet. After the COVID-era payment pause ended and my payments resumed in XXXX, I had recently started my own business and had little to no income. I could not afford the payments. I actively sought relief through Nelnet 's own online platform. I selected the option indicating I could not afford my payments and that my situation would not improve within six months. Rather than directing me to income-driven repayment ( IDR ) the option appropriate for a borrower with near-XXXX income Nelnet 's system funneled XXXX toward deferment, including an Economic Hardship Deferment whose eligibility was tied to receiving public assistance ( e.g., TANF, SSI, food stamps ) or working at least XXXX hours per week below 150 % of the poverty guideline. As a newly self-employed borrower, I did not fit these rigid criteria, and the system denied me relief. This is my core complaint : I told Nelnet I could not afford my payments and sought help, but its system routed me to a narrow deferment option with eligibility barriers I could not meet, while never offering income-driven repayment for which I was eligible and under which my payment would have been at or near {$0.00} given my income. I was effectively denied access to the relief I qualified for, and then reported delinquent on payments that should have been {$0.00} under the correct plan. My accounts are now in forbearance and reporting as current and paid as agreed, and I am current on my mortgage and all other credit obligations. When I recently contacted Nelnet to ask that these late marks be corrected, I was refused without explanation. I am requesting that Nelnet : ( 1 ) review my eligibility for IDR during the XXXX delinquency period, when its system denied me relief ; ( 2 ) apply a retroactive forbearance or deferment to those months consistent with my near-XXXX income, given that I sought relief at the time and was wrongly steered away from the plan I qualified for ; and ( 3 ) remove or correct the resulting late-payment marks reported to XXXX, XXXX, and XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Barclays has continued to place a restriction on my XXXX credit card account even after I provided all of the documentation they requested. I submitted the required documents in a timely manner and have complied with every request made by the bank. Despite confirming receipt of the information, Barclays has not removed the restriction or provided a clear explanation for why the account remains restricted. The ongoing restriction has prevented me from accessing and using my account normally, causing significant inconvenience and concern. I have contacted Barclays multiple times seeking an update and resolution, but I have not received a satisfactory explanation or a reasonable timeline for when the restriction will be lifted. I am requesting that Barclays promptly review my account, explain the specific reason for the continued restriction, and remove the restriction since all required documentation has been received and verified.

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 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I ask that this account be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/year> my car was broken into. I found a police report under larceny - personal property for motor vehicle. My phone and wallet were stolen. A few unauthorized purchases throughout my credit cards and debit cards were made. I canceled those cards and file disputes XX/XX/XXXX when I finally got a new phone. Those disputes went off without a hitch besides Bank of America. {$8700.00} was spent on my Bank of America business account. I filed that dispute XX/XX/XXXX. The same day I filed the other disputes. I called Bank of America two weeks later and they told me that the purchases were verified by me via Bank of America app. I informed them in the initial dispute that my phone was stolen alongside my wallet. I informed the Bank of America customer service representative that the fraudsters gained access through my account through saved credentials. I appealed the case to get it reopened and assigned to a new agent. I have submitted via fax copies of my police report, a letter of rebuttal, my employee work schedule showing that I was out work, and an FTC affidavit, which is not notarized. I got off the phone with a Bank of America fraud department agent and they informed me that they sent a letter out dated XX/XX/XXXX stating that they maintain their original statement claiming that the purchases were made via Bank of America mobile app. It seems all the proof I submitted to them, went in XXXX ear and out the other.

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 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX of XXXX XXXX was deducted from XXXX XXXX XXXX account linked to Cash App account it saying that I sent the money to a person when I did not

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Fifth Third Bank has committed a severe, actionable error by proceeding with a non-judicial foreclosure sale of my primary residence in XXXX XXXX, Texas, on XX/XX/year>. This sale was executed in direct violation of federal Dual-Tracking Prohibitions outlined in 12 C.F.R. 1024.41 ( g ). Timeline and Facts of the Servicing Error : XX/XX/year> : I submitted a 100 % complete loss mitigation/hardship application to Fifth Third Bank . This submission occurred exactly 48 days prior to the scheduled XX/XX/year> foreclosure auction. Under 12 C.F.R. 1024.41, because this complete application was received more than 37 days before the sale, Fifth Third Bank was strictly prohibited from proceeding with the foreclosure sale until a formal decision was rendered. XX/XX/year> : I received a formal letter from Fifth Third Bank stating that there was a processing delay regarding my application. XX/XX/XXXX XX/XX/year> : I contacted Fifth Third Bank customer service and loss mitigation representatives multiple times to request updates. On every call, your representatives explicitly stated that my complete application was active and pending review. When asked if the foreclosure sale was postponed, representatives stated " no, '' but confirmed the application was complete and remained pending. XX/XX/year> ( Day of Sale ) : I contacted Fifth Third Bank again this morning and was informed by a representative that the bank would not stop the process and was proceeding with the foreclosure auction immediately. Because Fifth Third Bank failed to evaluate my complete loss mitigation application before proceeding to foreclosure, the institution has directly violated federal law.

Company response to consumer: Closed with explanation