vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
CFPB Complaint Chase Account Closure Submit at : consumerfinance.gov/complaint Your Information Company Complained About Issue Category Select : Checking or savings account > Problem caused by your funds being low > Account closed without notice / Fraud claim not resolved Description of Complaint I am a victim of investment fraud and a pig butchering cryptocurrency scam that resulted in losses exceeding {$140000.00}. I had an active Chase XXXX checking account ending in XXXX, through which XXXX XXXX payments were made as part of the fraudulent scheme I was induced into. I filed a fraud claim with Chase Bank related to transactions on this account. Shortly after filing the fraud claim, Chase closed my account. I believe the account closure was either. I was told my multiple people they would give me the temporary credits. They then stated that since I had used the merchant before the claim was closed and to take it up with the original merchant in which I did and sent them documents, they then opened and closed the claim without review. Retaliatory or risk-driven Chase closed my account specifically because I filed a fraud claim, rather than investigating and resolving it properly Algorithmically triggered without human review and a fraud claim may have automatically flagged the account for closure without considering that I was the victim, not the perpetrator As a victim of fraud, I should have been treated as such. Instead, closing my account has caused additional harm : it has disrupted my banking access, may negatively affect my ability to open new bank accounts ( through XXXX reporting ), and has prevented me from fully documenting the fraud that occurred through this account. I am requesting that the CFPB : Investigate Chase 's handling of my fraud claim and account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX fraud scheme conducted through cryptocurrency platforms. Between XXXX and XX/XX/year>, I suffered losses around $ XXXX {$140000.00} through a combination of manipulated cryptocurrency trading on Coinbase and direct cash transfers CRYPTOCURRENCY EVIDENCE : My Coinbase gain/loss report ( XX/XX/XXXX - XX/XX/year> ) shows : Short-term losses of {$110000.00} from Coinbase-tracked transactions Multiple sales of XXXX ( a XXXX XXXX to {$1.00} USD ) for {$0.00} proceeds totaling over {$30000.00} indicating funds were transferred to external wallets not on Coinbase Complete loss of investment in XXXX XXXX ( XXXX XXXX XXXX XXXXt basis, sold for {$0.00} ) Complete loss of investment in XXXX tokens ( XXXX XXXX XXXXXXXX cost basis, sold for {$0.00} ) I had previously reached out to Coinbase multiple times regarding devices logged in passing XXXX that weren't mine and nothing was done, asking where at least XXXX went and they said once it leaves my wallet they can't do anything, they quit responding to my emails, I had my accounts taken over as well as someone was staying with me around the same time, I was grieving my father, my step mother had access to all of my documents, my important information was also placed on the dark web, as well as my children 's father who could have access to everything and around the same time purchased a new XXXX home. Like I said I have reached out to coinbase for various concerns and it so far they just " fixed '' the first one which was deleting it from my profile, no one has reached out for my previous concerns, this as around the same time as their data breach where millions were stolen from people. As stated previously they can't find where XXXX at the minimum went and have quit responding to my emails. XXXX was passed on devices and locations that were not me and this has also put me in a hardship and I have children to take care of. Supporting Evidence Available Coinbase GainXXXX XXXX Report ( XX/XX/XXXX - XX/XX/year> ) XXXX pages

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I am filing a complaint regarding a serious privacy and consumer information exposure incident involving student loan servicer Nelnet. On XX/XX/year>, I called Nelnet from phone number XXXX. The call lasted approximately 1 hour and 3 minutes. During the call, I was not assisted by a repre sentative. Instead, I could hear numerous conversations between Nelnet employees and other borrowers for an extended period of time. During these conversations, I overheard sensitive personal and financial information belonging to borrowers, including : * Phone numbers * Loan/account information * Payment requests and payment discussions * Other personally identifiable information I was able to hear this information continuously for over an hour without authorization. I attempted numerous times to get the attention of a call center employee without success. I have portions of the incident recorded. I am concerned this may constitute unauthorized disclosure of consumer financial information and a serious failure in Nelnets privacy and call handling systems. I request that this matter be investigated and that Nelnet be required to address the apparent exposure of borrower information and implement corrective measures to prevent recurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX, a friend messaged me that somehow his XXXX account sent my XXXX account {$1800.00}, and if I would send it back to him. So I did, my account had {$1800.00} in it so i sent it back to him. While I was sending the money back to him he also contacted XXXX about this issue. While he was on the phone with XXXX the money hit back his account and while he was talking his account was drained by the hackers. From there he filed a dispute but XXXX instead of going after the hackers they charged me {$1800.00}. The XXXX he lost they took from my account. And they are not answering my requests to pay me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOURCE RECEIVABLES MANAGEMENT Dear Consumer Financial Protection Bureau, I am filing this complaint regarding the ongoing reporting and collection activity by SOURCE RECEIVABLES MANAGEMENT. I requested validation of the alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, and the company has continued reporting the account without providing sufficient validation and documentation proving the debt is accurate and legally collectible. I dispute the validity and accuracy of this account. I requested : * Original creditor information * Itemized accounting of the balance * Signed agreement or contract * Proof of legal authority to collect * XXXX the debt is within the statute of limitations Despite my dispute, the account continues to negatively affect my credit report. Under the Fair Credit Reporting Act, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: OK

Complaint narrative:
Moneylion owed me XXXX they said my account was negative XXXX which it was never negative that amount they still owe me 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 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: TX

Complaint narrative:
Received notice from Credit Control regarding outstanding balance from XXXX XXXX. I have never bought from them nor have I ever opened an account with them. Current Creditor : XXXX XXXX XXXX Original Creditor : XXXX Re : XXXX XXXX Reference Number : XXXX Original Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Balance : {$580.00} Dont know them. Never done business with XXXX. Do not have an account with that number. I have placed a fraud alert on my credit file. My credit files are frozen and have been for several years.

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 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was unable to get any assistance or response through Citis dispute channels, so Im hoping to resolve this through here. XXXX writing to formally appeal the closure of dispute case XXXX for the amount of {$180.00}, charged by XXXX XXXX XXXX I received a letter stating that the merchant provided " proof the merchandise was delivered. '' I completely disagree with the results of the investigation, as the merchant is misrepresenting the situation. I am not disputing that a package was delivered to my address. I am disputing the fact that the package arrived COMPLETELY EMPTY. Delivery of an empty cardboard box does not constitute the delivery of the {$180.00} worth of merchandise I purchased. The tracking number the merchant provided only proves a box arrived ; it does not prove the contents were inside. To date, the merchant has completely ignored my communications and has failed to honor the third-party shipping insurance I purchased specifically for this order. Attached to this complaint, please find my undeniable, time-stamped evidence proving that this merchandise was never received : High-resolution before-and-after photos of the package. Screenshots showing my repeated, ignored attempts to resolve this directly with the merchant and their insurance provider prior to contacting Citi. I also have a continuous video showing me cutting the original, untampered tape and opening the sealed package, revealing it to be entirely empty. All of this was also sent through email to Citis dispute team. The merchant has effectively taken {$180.00} from my account and delivered nothing but air. I rely on Citi to protect my checking account from fraudulent merchant practices like this.

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 monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Called my place of employment. References were not called, instead, called my place of employment first. I asked then to no longer call my job, and XXXX from Tower Loan, did not agree to stop calling my place of employment. They also continue to threaten to report me to the credit bureaus when my account has never been XXXX days late.

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 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing an urgent dispute regarding 5 debit card transactions totaling over {$1800.00} with XXXX XXXX under Federal Regulation E. XXXXXXXX XXXX internal system ledger explicitly documents a clear processing error : a XXXX representative successfully released the original authorization holds for all 5 transactions and returned the funds to my balance. The hotel subsequently executed a late settlement 'force post ' through the XXXX network anyway, dragging my balance back down.I have already uploaded my final hotel checkout receipts and alternate card statement proving the full balance was entirely paid and settled via my XXXX card. Front-line chat agents acknowledge that the investigation is in its 'final stage ' but state I must wait until next week or so for any resolution. Given that this is a documented duplicate processing error totaling over {$1800.00} entirely visible on XXXX XXXX own ledger, a multi-week delay is a severe financial hardship. I am requesting an immediate manual override to issue a provisional or permanent credit today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Claim # XXXX XXXX I am disputing an unauthorized debit card transaction of $ [ XXXX ] at [ XXXX XXXX ] on [ XX/XX/year> ]. Wells Fargo has denied my claim and refused to reinvestigate, despite my submission of an FTC Identity Theft Report and a Police Report. Unauthorized Nature : I did not authorize, participate in, or benefit from the transaction listed above. The Bank 's Reason for Denial : Wells Fargo claims a mobile app login occurred around the same time as the transaction.and because i use the app game before when i never use the game app the way it was use on the day of the fraud I maintain that a background app refresh or a login to check my balance does not constitute authorization for a third-party gaming transaction. The bank has failed to provide evidence ( such as IP address matching or Device ID verification ) that the gaming transaction originated from my device or location. Under Regulation E ( 12 CFR 1005.11 ), the bank is required to conduct a thorough investigation. By ignoring a government-sworn Identity Theft Affidavit and relying solely on circumstantial " login '' data that does not prove transaction authorization, the bank has failed its duty to resolve this error. Furthermore, the bank has refused to provide the " Discovery/Evidence Packet '' I legally requested.

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 2026-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: MA

Complaint narrative:
I am submitting this complaint regarding Harris & Harris XXXX XXXX for attempting to collect an inaccurate and improperly inflated dental debt. I dispute the validity and amount of the alleged debt they are attempting to collect. According to the Explanation of Benefits ( EOB ) issued by XXXX XXXX for the dental service in question, the following facts are established : The original provider charge for the service ( XXXX XXXX XXXX surgical extraction ) was {$320.00} Despite this, Harris & Harris is attempting to collect an amount exceeding {$500.00}, which is not supported by the original billing record. Unfair collection practice concerns Attempting to collect an amount materially higher than the documented original charge, without transparent explanation or supporting documentation, raises concerns regarding accuracy and fairness in debt collection practices. Insurance processing and provider contractual adjustments determine the final patient responsibility at the time of adjudication. Once the insurer has processed the claim and issued an EOB, that determination governs the allowable patient responsibility under the insurance contract terms. Any subsequent attempt to : Non disclosed billing adjustments, reallocate contractual discounts, or increase patient responsibility beyond the EOB determination. must be supported by lawful, documented justification. Otherwise, it constitutes a billing discrepancy and potential misrepresentation of the amount owed. MEDICAL BILLING & COLLECTION STANDARDS Inflated or post-hoc altered balances that are not traceable to the original EOB and provider ledger are not considered valid or substantiated debt for collection purposes. During the course of treatment, I experienced complications following the administration of anesthesia, including blistering, bleeding, and a lasting scar at the injection site. ( Malpractice ) and now since its causing legal/time related complications I may be eligible for compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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 XX/XX/XXXX someone gained access to my debit card number and used my debit card at two restaurants in the state of Virginia and several transactions at some online casinos totaling {$350.00} in unauthorized transactions. As soon as I learned of this occurring I canceled my debit card applied for a new one and filed a dispute with chime I provided chime a police report a copy of my time card at work to show that I was in Texas at the time these charges occurred and a personal statement I filed a dispute that was denied and then I filed a rebuttal with all of this information and they still denied my dispute. I did everything that I could to provide them with the information they needed to prove to them that I did not make these charges and yet they still will not return my money. I spoke with the supervisor they continue to tell me that there was nothing that they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NJ

Complaint narrative:
I used Cash App to pay a merchant for a service that I never received. After waiting for the service and attempting to resolve the issue, I filed a dispute through Cash App. Cash App denied my dispute approximately two days after it was submitted, despite stating that investigations may take up to 10 days. At the time the dispute was denied, I still had not received the purchased service, refund, or a proper resolution from the merchant. Multiple other customers have publicly reported on the merchants social media accounts that they also did not receive the services they paid for. I believe the dispute was denied without a proper investigation being completed. I am requesting that this matter be reviewed and that the transaction be properly investigated based on the evidence provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding Santander XXXX USAs handling of my auto loan payoff and refund following an insurance claim settlement. My insurance company, XXXX XXXX, issued a payoff payment to Santander for my XXXX XXXX XXXX loan. I was informed by my insurance representative that Santander received and processed the payoff payment. However, when I contacted Santander regarding the remaining refund balance owed to me, I received conflicting and inconsistent information from multiple representatives. As of today, more than a month after the accident, 23 days when the insurance check was cleared, I still have not received a clear explanation regarding : The status of my refund balance Why conflicting information was provided, my account with them is even showing it past due on their website Why there has been a delay in releasing funds owed to me Whether Santander improperly held or misapplied the payoff funds This situation has caused significant financial and mental stress, wasted time, and repeated phone calls with long hold times and inconsistent answers. I am requesting that Santander : Conduct a full investigation into the handling of my payoff funds Provide a written accounting of all payments received and processed Immediately release any refund balance owed to me Explain why inaccurate information was repeatedly provided I can provide you with the check info paid by my insurance, the payoff quote Santander sent me and a copy of the transaction history of my account on their website as of today. I respectfully request CFPB assistance in resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Camino Financial Inc.
State: MA

Complaint narrative:
Hi There My Name 's XXXX XXXX I have taken a loan last year around XX/XX/year>, with this company XXXX XXXX XXXX XXXX Fundation. I was paying it on time until the last month when I started to Struggle financially unfortunately. I contacted the company to try to accommodate a better payment term in according to financial reality. Then they started dropping unaddressed letter to the place where I live. The first letter they dropped it by someone and attached it to the 2nd floor door, without any name in the envelope. Someone else got the letter and opened it as there was not name of any addresses. Inside that letter there was all my personal information and loan details... It was all exposed to others without I even knew it. Then this week they Dropped another 2 letters again in the same way and again others opened it .. and again all my personal information in these letters as well. All my privacy and personal info were exposed and it really caused me a great distress... I feel my rights to privacy and my right to confidential personal info were broken. .and also I fear for my safety because I don't know whom dropped those letters, because it was not mailed letters by postal personnel. It was dropped by strangers with no even my name addressed in these letters... I really would like someone to help me with this somehow .. perhaps you could reference me to proper professional or lawyer to help protect my rights please Thank you

Company response to consumer: Closed with explanation