vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA has an account under my Social Security number. I have verified my identity with my drivers license. Despite this, they refuse to provide access, information, or close the account. I believe this may be identity theft and USAA is failing to comply with identity theft resolution requirements. I am requesting immediate investigation, written confirmation, and closure of any unauthorized accounts.

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 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX never done business with them, midland credit i never opened up a account with them i ask them to show me my original contract with my signature doing business with them they never did. XXXX XXXX XXXX, not my account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX not sure what this is not my account, XXXX someone used my true identity .XXXX is part of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
Noticed the loan amount inaccurate and showing on my credit report at higher amount. Seem as though duplicate loan on report.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: ID

Complaint narrative:
On XX/XX/XXXX at XXXX PM I was suffering from severe severe severe XXXX and XXXX. I was not doing XXXX mentally which is my XXXX. I was confused and sad and easily manipulated in vulnerable. A lady named XXXX XXXX from XXXX, Indiana as she claims told me she had a plan that she would love to give me for {$200.00}. I have the {$200.00} I offered to pay her in many many different ways. She required Chime specifically and specifically asked me to use the pay by pay your pay as you get whatever the pay to pay people where its like giving so many money and she knew doing that that chime wouldnt help me return my money that chime would just tell me it was my own fault for making that decision however XXXX XXXX XXXX so I technically didnt make the decision. I was forced into it and manipulated into it and its unfair that was all the money I had. I was just looking for a plan to be happy and she took all my money and ran, and XXXX cant get any help anymore. They will not give me my money back and XXXX sick of them breaking laws because it is against the law to allow them to have mentally ill people be scammed it is against a lot. I googled it. XXXX laws against it. I reported that to them however they didnt care. They just hung up on me so this is my way of reporting them to you guys and letting you know that they are letting legal practices go through

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is a follow-up to my complaint of XXXX of last year. FYI : I printed it out and will print out this XXXX to send to my Senator XXXX XXXX ( she replaced XXXX XXXX ) as well as to Congressman XXXX XXXX as they assist with Federal Agencies who don't do their job. Expect to have an inquiry from them. Way back when I lived at XXXX XXXX XXXX, sold it almost XXXX ago, I signed up for a free trial of some internet phone service called " XXXX '' and it did not work and I canceled it before my time was up. That was XXXX-years ago! They are STILL charging me XXXX a month, XXXX charge for {$6.00} ( charged me again last week ) as well as a XXXX monthly charge of {$6.00}. XXXX charges every month! Then there is " XXXX '' that I don't even know and they are charging me {$3.00} a month. I was able to track a number to XXXX over the past XXXX years and they " can't assist me '' because they can't find me in their system but I have there XXXX charges a month every month. XXXX I can not locate. I contacted XXXX MANY TIMES over this, they eventually re-issued a brand new XXXX Card to me with all new numbers and XXXX codes, etc. I thought it was FINALLY over! That was almost XXXX years ago or more. XXXX month or XXXX were good then the " XXXX '' and " XXXX '' charges started up again. XXXX damned XXXX went and GAVE THEM my new card number and private XXXX code! I even have emails from back then where XXXX emailed ME telling me they would not approve any more of those charges after changing my card number. THEY DID! I have been fighting these frauds and last year when I realized it was STILL going on I filed a report with the CFPB with full documentation. I made it clear what had happened, provided emails from XXXX backing this up, I asked your Agency to do what I was unable to do, to STOP XXXX from allowing these frauds from stealing from me. The CFPB and XXXX posted on her " XXXX XXXX '' if memory serves from XXXX XXXX OFFICE. Obliviously not a very intelligent person, I believed I made it clear through the merchant, credit card issues and the XXXX Consumer Financial Protection Bureau this was to STOP! I know things don't happen overnight- but it's almost XXXX MONTHS LATER and the thieves at XXXX are still permitting the fraudulent charges to go to my card. My XX/XX/year> still has all the same reoccurring charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear sir I have complaint submitted earlier Number is XXXX But this Bank Transfer department not Doing properly when sent money its them Use for personal use not paying After that Again ask fee all sent on time, some time Same fee Multiple times paid waiting for Transfer then start Same XXXX money in the Name of fee I have informed them put this amount in My online account then send me account login details and Password This process {$150.00} advance asked me and sent But still not yet received any login details or Password to me A small part of Transfer also not doing Once I have earlier complaints submitted then they reply to me soon Transfer will hit in my account But nothing done Company Response through Here Same mentioned Recently From Bank send me a agreement letter and mentioned send this fee After that Transfer not Recieves they will Return my spent money to me {$160000.00} totally This fee sent as per agreement letter mentioned After that again ask fee then paid again ask another fee that also Paid next day they ask Same XXXX XXXX XXXX expire Renewal need Sir XXXX XXXX How expire Don't know this Type of their Attitude After that I have told them no more Any fee as per agreement letter mentioned Fee sent Again 2 times fee sent If not doing this Transfer then Return my money to me and send me my account login details and Password to me This also not doing this is why again I have came here to Complaint submitted Hope you will be doing this If you do or call them and Take action against them no problem Everything there is a limit a single Transfer process hundreds of times fee paying is not possible Hope you will be doing Action against this my Complaint and update me Thanks

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 2026-04-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Complaint Regarding Unauthorized CD Renewal and Financial Loss I am writing to file a formal complaint regarding the handling of my Certificate of Deposit ( CD ). My CD was automatically renewed at a significantly lower interest rate without my consent. I had clearly intended not to renew the CD. However, I was told that I could not stop the renewal by phone and had to visit in person. I was contacted only once, and when I attempted to follow up, I was unable to secure a timely appointment. Furthermore, on the day of my scheduled visit before XXXX XXXX, the banker informed me that there was a system issue and moved my appointment. When I arrived, I was told the CD had already been renewed and could not be canceled without incurring a penalty of approximately {$2000.00}. In addition, I had transferred {$100000.00} to Chase and waited more than a week for the CD to be processed. During this period, the interest rate decreased, causing further financial loss. This situation is unfair and unacceptable because : 1. I did not consent to the renewal. 2. The bank required in-person action but failed to provide a timely opportunity. 3. The bank 's delay directly caused my inability to prevent the renewal. 4. I have suffered financial losses due to both the lower rate and early withdrawal penalty. I respectfully request the following resolution : 1. Immediate cancellation of the renewed CD without any penalty. 2. Compensation for the financial loss caused by the delay and lower interest rate, or adjustment to a fair interest rate. I look forward to a prompt resolution. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
Im writing to formally lodge a complaint regarding the mismanagement of my federal student loans by MOHELA ( XXXX Higher Education Loan Authority ), and to request a full investigation into my account as well as a discharge of the affected loan balance ( s ). This request is based on widespread allegations and recent investigations reported as of XX/XX/year> concerning MOHELAs misconduct, which has significantly harmed borrowers including myself both financially and emotionally. According to recent public reports and investigations by multiple state attorneys general and regulators, MOHELA has been cited for : Failing to properly calculate monthly payments Issuing inaccurate bills and late fees Mishandling income-driven repayment ( IDR ) paperwork Delays and errors in processing recertification forms Providing inaccurate or misleading information about repayment and forgiveness options Creating unnecessary delinquencies and defaults due to administrative failures These systemic issues mirror my own experience with MOHELA. Specifically, I have experienced the following issues with my account : Customer service apology for a confusion regarding my Direct Consolidation loan being PAID IN FULL as of XXXX XXXX. Ive made repeated efforts to resolve this issue directly with MOHELA, but the problems persist. Their negligence has not only jeopardized my financial health, credit score and has caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violated my borrower rights under federal law. Given that MOHELA is currently under investigation for systemic abuses, I am requesting : 1. A full review and audit of my loan account ( s ) serviced by MOHELA 2. A formal response detailing corrective actions to resolve the errors on my account 3. Full discharge or forgiveness of the impacted loan balance ( s ) due to mismanagement and borrower harm 4. Compensations for fees, interest or penalties accrued as a result of MOHELAs administrative errors 5. Confirmation that my eligibility for programs such as IDR, Public Service Loan Forgiveness ( PSLF ), or Fresh Start has not been compromised. Please consider this letter as a form request for loan dispute resolution and borrower defense, and ensure that my rights under the Higher Education Act and applicable borrower protection laws are upheld. Thank you for your attention to this matter, I respectfully request a timely response and resolution, and I welcome the opportunity to speak further with an investigator or caseworker

Company response to consumer: Untimely response
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
My account was closed on XX/XX/year>. Customer service asked me to provide documents, which I did, but to this day there has been no progress, and my {$9800.00} remains untouched.

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 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had {$0.00} balance and they allowed a merchant to charge me {$37.00} which put me negative

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I repeatedly requested debt validation through their portal and provided contact information, but my requests were ignored. They have continued XXXX send text messages XXXX make calls threatening legal action, even though they have not provided the requested information..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: IL

Complaint narrative:
I purchased a used vehicle that is worth XXXX and cost me XXXX up to XXXX. The vehicle has come with significant damage. It has been documented the carpets do not stay still some of the trim of the vehicle doesnt even stay in place. The transmission has went out XXXX to XXXX times doing the process of getting the vehicle. They tried to commit insurance fraud. I have messages to prove it, they kept my vehicle for almost XXXX to XXXX months and then when it came down to me having more issues with the vehicle, they would give me a loaner vehicle here and there and then they stopped giving me a loaner vehicles because they kept messing up keeping my vehicle so long they made me pay a down payment which I figured out was illegal on top of all the money I already have to pay. The Services is not as good as I thought they were and I honestly feel scammed. I bought a family vehicle, which has not been safe for my family. I havent been able to drive it for almost a month now theyre supposed to be calling me figuring out anything after Ive let them see the vehicle and have not done so in a orderly fashion, considering effect of how much I pay for this vehicle and I owe on it and I need to use it to make money which I havent been able to. I really just want my money back. I really want out of this contract. This is very unprofessional and they dont care about my family or my well-being and clearly do whatever for some money, including put families in harms way

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 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XXXX separate occasions my chime debit card was used to withdraw money from XXXX to XXXX in total of XXXX $ including atm fees i filed a dispute on XX/XX/XXXX and got denied and never had a problem i have banked with chime for years and not happy with how things are being handled while im taking all the proper steps to recover my funds that were stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: NJ

Complaint narrative:
Unauthorized transaction on my chime credit builder and checking account 3 transactions fraud to XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$2500.00} XXXX XXXX {$2500.00} all transactions were made on XX/XX/XXXX from XXXX XXXX to XXXX XXXX I did not authorize these charges do not know who these people are. Also contacted XXXX XXXX and filed a claim. Called Chime and filed dispute on all 3 charges

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I deposited {$4000.00} in cash on XX/XX/XXXX at a Wells Fargo ATM in XXXX, in four separate transactions. However, the receipt only showed {$3000.00}. I reported this issue to the bank, and they initially credited {$1000.00} back to my account. But on XX/XX/XXXX, the bank withdrew {$1000.00} from my account again and sent me a letter stating that they did not find any discrepancy in the ATM cash balance. I am certain that I deposited {$4000.00}. I called the bank to dispute this again, but they told me there was nothing more they could do and that the case had been closed.

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 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I fell for a scam website that was designed to impersonate XXXX XXXX. I did not know it was a scam website until after I made a purchase for beauty products ( that I thought were coming from an authentic beauty site ) and I never received any emails or tracking information - or items. When I returned to the scam website, I noted they didnt have a contact either. I promptly went to XXXX. I immediately reported the dispute. I even asked for a new credit card because I knew my last ones information was likely stolen. I was flabbergasted when XXXX reversed the dispute. The scammers sent XXXX a tracking number which they used as evidence that I received a package ( Ive never received a package ) so I fought back against the charge, again. This time I called XXXX and received confirmation the tracking number used was NOT addressed to my home address. I also reported the fraudulent website to the FTC ( and sent XXXX the confirmation number ). I even emailed the scammer twice ( from the email address XXXX provided ) and they never responded. I even had a specialist from XXXX XXXX confirm that the website I purchased products from ( that was impersonating their website ) is not affiliated with them. I gave XXXX every single kind of evidence needed to prove that I was scammed, and they still sided with the scammer to take my money. They refuse to give me my money back despite any evidence I give them. I have closed my XXXX credit card over this. I still want my money back though.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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/scrub> 2025 I was working in XXXX XXXX at XXXX and my chime account got hacked, chime had sent new debit cards to someone in XXXX and they activated the new debit cards, hacked into my chime account and stole {$1300.00} from me.. for XXXX year I called chime every other day to resolve the issue and I emailed them my license id and timestamp of me being at work, chime claims there was no issue.. I had to move out of the place i was paying rent because my whole check got stolen from me for no reason.. I talked with members of chime several times on different days and nobody would resolve the issue with me but I did not authorize for new debit cards and I have never been to XXXX... I was working at the time it happened

Company response to consumer: Closed with explanation