vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am submitting a complaint regarding two unauthorized transactions on my checking account in the amounts of approximately {$1900.00} and {$2000.00} associated with a merchant listed as XXXX XXXX. I was initially contacted by Navy Federal Credit Union and informed that these transactions appeared potentially fraudulent. During that call, I immediately confirmed that I did not authorize the transactions, did not recognize the merchant, and had no relationship with the company associated with the charges. Despite reporting the transactions as fraud immediatly, the payments were still processed. I timely filed a fraud claim and fully cooperated with the investigation and appeal process. The credit union later denied my claim, stating only that its information contradicts my claim of unauthorized activity. However, the company has repeatedly refused to provide any actual evidence or documentation showing that I authorized the transactions. Specifically, I requested documentation supporting their determination, including transaction authorization records, merchant verification, authentication methods, IP/device information, or other evidence relied upon during the investigation. These requests were denied. The company later stated that most of its investigation process was conducted electronically and that physical documentation relating to the fraud claim was minimal. Despite this, the company continues to deny my claim without explaining what information allegedly supports authorization. In response to the companys request for additional information, I conducted independent research regarding the merchant associated with the charges. I searched the California Secretary of State database for XXXX XXXX in XXXX XXXX CA and found no registered business entity under that name nor location. I provided this documentation to the credit union as additional support for my fraud claim. To date : * I maintain that these transactions were unauthorized. * I do not recognize or have any relationship with the merchant. * The company has failed to provide evidence demonstrating authorization. * My fraud claim and appeal were denied despite my repeated requests for supporting documentation. I am requesting that the CFPB review whether the investigation conducted by the credit union complied with applicable consumer protection requirements, including obligations under the Electronic Fund Transfer Act and Regulation E regarding unauthorized electronic fund transfers and reasonable investigations of disputed transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Nations Mortgage LLC
State: WI

Complaint narrative:
I am a contractor operating under XXXX XXXX. My company was engaged by the lender to provide a quote and perform work for a homeowner in connection with a loan being processed. We were explicitly told by the lender that payment for our work would be issued upon the closing of the loan. Over the course of several weeks, the lender repeatedly stated that the loan was closing imminently and that payment would be released shortly. Based on these representations, we provided a detailed estimate and committed time and resources in good faith. We were later informed that the loan had closed. However, despite multiple follow-ups over the following month, we have not received payment. Communication from the lender has been inconsistent, and in many cases ignored, with no clear explanation provided regarding the status of funds. When we contacted the homeowner directly, she stated that she had been told the contractor would be paid through the loan proceeds. This suggests that funds may have been allocated for this purpose but were not properly disbursed. Additionally, it appears that our estimate may have been used to support loan underwriting and approval, despite no intention or follow-through to ensure payment for the associated work. If accurate, this raises concerns about the use of contractor documentation in the loan approval process. As a result : Our company has not been paid for services rendered and time invested The homeowner may be incurring interest on funds that were not properly disbursed for their intended purpose There appears to be a lack of transparency regarding loan fund allocation and contractor payment Requested Resolution : Immediate clarification of loan status and confirmation of whether it has officially closed A full accounting of how loan funds were allocated and disbursed Immediate payment for the contracted scope of work or formal explanation for non-payment Investigation into the lenders practices regarding use of contractor estimates in loan underwriting We are seeking prompt resolution and accountability regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am filing a complaint regarding my account with U.S. Bank National Association. My account was recently closed due to what I was told was risk activity. Before the account was closed, there was approximately {$820.00} in the account. Prior to the closure, I attempted to send money to XXXX XXXX, but the transaction was declined. After the account was closed, the {$820.00} balance disappeared and I no longer have access to the funds. I contacted U.S. Bank and was told the funds may be with XXXX XXXX. I then contacted XXXX XXXX and they confirmed they have no record of receiving this transaction. At this point, the {$820.00} from my account is missing and neither institution is able to explain where the funds are located. I am requesting the following : 1. An investigation into the missing {$820.00}. 2. The ACH trace number for the attempted transaction. 3. Immediate return of my remaining account balance. I would like written confirmation of where the funds are currently located and when they will be returned 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 explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
While doing my taxes XX/XX/XXXX, XXXX XXXX required a 6-digit code from my husband 's XXXX account . My husband 's XXXX XXXX had not been working so we had to get it " up and running '' to complete our taxes. My husband called XXXX XXXX, which turned out to be a fraudulent scammer requesting access to repair his XXXX XXXX on our laptop. We're both over XXXX XXXX XXXX XXXX and didn't realize what was happening. The scammers stole access to everything on our financial page for Chase Bank. They hacked into Chase Checking, Chase Freedom and XXXX on the Chase Online Banking. We were made aware at XXXX XX/XX/XXXX that all this was occurring while I was attempting to complete my taxes for XXXX. I've spent countless hours with Chase online, in person and on the phone to get this resolved for the last 15 days! Everything is working out except this transaction on XXXX, to an XXXX XXXX, for {$370.00}. We are on social security and need reimbursed for this money, asap. A branch supervisor stated that we need the IP Address or any documentation as proof it was not performed om my computer. She suggested I contact XXXX XXXX XXXX to request proof of internet fraud. To see if they could provide another IP Address, using my network, to process that transaction. XXXX XXXX XXXX stated this was Chase 's responsibility. They do not have that type of information. She also suggested contacting XXXX at XXXX. They stated they're not taking calls at this time. They were supposed to be taking calls. Proceeded to contact : consumerfinance.gov, Attorney General XXXX XXXX, report fraud.ftc.gov, local police department. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Prog Holdings, Inc.
State: TX

Complaint narrative:
I opened an account with Four and added my fiances debit cards in good faith my phone was stolen and charge after chage was done on my card I attempted to close the accoutnafter I regained access, I tried to remove cards from the account and it wouldnt allow me that dont have a chat feature its just a bit and basic questions the phone number just rings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint regarding Cash Apps failure to provide reliable access to its advertised paper money deposit service and its handling of a repeat issue involving a participating retail partner. I attempted to deposit cash at a XXXX XXXX location on XXXX XXXX XXXX in XXXX. No deposit was completed because I was refused service. This is the second occurrence at the same location despite previously reporting the issue to Cash App with no resolution. During the most recent incident, the employee who refused service had successfully completed a deposit for me in the past. When I questioned the inconsistency, the employee contacted a manager on speakerphone. During that call, I heard the manager instruct the employee to say the registers are down, which had not been stated prior to the call. Based on the sequence of events, this appeared to be a knowingly false explanation used to deny service. I reported this issue to Cash App multiple times. However, support repeatedly responded with generic messages, failed to address the allegation of misrepresentation, and repeatedly attempted to treat this as a transaction issue despite the fact that no deposit occurred. I also experienced repeated requests for the same information without any substantive progress. Cash App advertises and facilitates this deposit service through its network of participating retailers. The repeated refusal of service at a listed partner location, combined with the lack of meaningful response or corrective action, has prevented me from accessing a service they promote

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have disputed the credit cards with the credit card companies. I believe during one of those data breaches my information was obtained and credit was obtain. There are two credit cards Capital ( {$550.00} ) one which was open in 2020, XXXX ( {$2500.00} ) opened in 2020, XXXX XXXX ( {$500.00} ) opened in 2020 and also a XXXX ( {$880.00} ) opened in 2020. I was incarcerated and wasn't able to obtain this stuff.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: M&T BANK CORPORATION
State: KS

Complaint narrative:
My mortgage servicing transferred from M & T Bank to XXXX with only 5 days advance notice. M & T can not confirm the transfer date and appears to still show the account as active. XXXX is using an escrow transfer balance of {$1000.00}, which I can not verify, and this has resulted in a large escrow shortage and payment increase. I need both servicers to provide the transfer date, final escrow balance, escrow transaction history, and transfer reconciliation.

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 2026-04-30 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was charged without my authorization by a merchant called XXXX for {$290.00} XXXX separate times on XX/XX/year>. Each transaction has an UNIQUE transaction ID number ( see attached ). When i realized this, I called the credit card SYNCHRONY BANK and requested a fraud dispute to be made. They issued me an adjustment for one charge only but not the second one. I contacted them and spoke to the customer service XXXX XXXX, on XX/XX/year> and she not only was unhelpful, but kept repeating that the transaction does not exist and that there is nothing they will do about it. The merchant then issued out a refund for both of their transactions but Synchrony Bank went and re-applied the charge BACK to my card so they did not provide me any fraud charge protection instead charged me the {$290.00} for me to pay. They are thiefs and need to be held accountable for their actions.

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Subject : Fraud Claim Denial XXXX XXXX Scam Involving Bank Impersonation I am submitting this complaint regarding a denied fraud claim with my bank, XXXXhase. I was the victim of a sophisticated scam in which individuals impersonated Chase. The scammers contacted me using a phone number that appeared to be a legitimate Chase number and sent emails that appeared to be from Chase. Based on these factors, I reasonably believed I was communicating with my banks fraud department. During this interaction, I was deceived into sending money through XXXX XXXX under the false belief that I was preventing fraudulent activity on my account. I was not knowingly sending money to a third party for personal reasons ; I was acting under direct instruction from individuals I believed to be Chase representatives in order to protect my account. I immediately reported the incident to Chase, and a claim was opened. A temporary credit was issued but later reversed after Chase determined the transaction was authorized. I strongly disagree with this determination. This was not a legitimate authorized transaction. This was a case of fraud through impersonation and social engineering, where I was manipulated into taking actions I would not have otherwise taken. The scammers created a false sense of urgency and used convincing tactics, including spoofed contact information and realistic communications, to gain my trust. As a consumer, I relied on what appeared to be official communication from my bank. I believe Chase failed to adequately protect me from this type of fraud and did not properly consider the circumstances of deception when denying my claim. I am requesting that Chase : * Reopen and fully investigate my claim * Reconsider the denial in light of the impersonation and deception involved * Restore the funds that were taken as a result of this scam This financial loss has caused significant hardship, as the funds were intended for essential living expenses, including rent. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
* * Subject : New Complaint Ongoing Payment Obstruction Preventing Compliance in Active Bankruptcy * * I am submitting a new complaint regarding First Tech Federal Credit Union based on * * recent and ongoing conduct that is preventing me from making required mortgage payments * *, separate from prior issues. I refiled for bankruptcy protection on XX/XX/XXXX. Immediately following the filing, I attempted to make my required XX/XX/XXXX post-petition mortgage payment. * I used the phone number provided by the servicers bankruptcy counsel for payment processing * This number routes to voicemail and does not allow payment to be completed * I also attempted multiple times through the servicers main customer service line on XX/XX/XXXX and XX/XX/XXXX * Representatives have been unable to process the payment due to internal system limitations Additionally : * I have been instructed * * not to use mail or bank bill pay * *, as those methods would result in the payment being treated as delinquent * The servicer has not provided any functional alternative method to complete payment * As a result, I am currently unable to make a timely mortgage payment despite being ready and able to do so This issue is part of a broader pattern I have previously reported, but this complaint focuses specifically on * * current conduct that is actively preventing payment and compliance * *. This situation creates immediate harm because : * It places me at risk of being considered non-compliant in an active bankruptcy case * It prevents me from meeting required obligations despite repeated good-faith attempts

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I recently discovered a defaulted federal student loan when it appeared on my credit report while I was in the process of trying to buy a home. I was previously unaware that this loan had gone into default and immediately attempted to resolve the issue so I could qualify for a mortgage. When I contacted the Department of Educations Default Resolution Group, I was told that paying the loan in full would remove the default from my credit report. Based on this information, I agreed to make a payment. After learning that this information was incorrect, I contacted them again before the payment processed and requested that it be canceled. The representative confirmed that the payment had been canceled. Despite this confirmation, the payment was still processed and withdrawn. I am now being told it will take approximately 45 days for review and additional time to receive a refund. This situation involves misinformation, failure to honor a confirmed cancellation, and the withdrawal of funds after cancellation was confirmed. I am requesting an expedited refund and a formal review of this error. This delay is directly impacting my ability to move forward with a home purchase.

Company response to consumer: Untimely response