vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
chase bank closed my account they said due to fruad. Not one phone call. i tried to use the account and it was frozen. I only found out by the bank manager. thy closed my account with over XXXX dollars in it. the bank manger said this is rediculous and i should get an attorney. this is my first step before i go to an attorney. after the account was closed the bank manger informed me it was because a wire that we recieved. it was an error and the wire was returned the same day. so basically chase bank stole over XXXX dollars from my company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/XXXX, Chase closed my deposit account. At the time of closure, the account reflected an ending balance owed to me of {$56000.00}. Chase indicated that any remaining balance would be issued by check ; however, no check or other payment was ever received, and the funds have not been released to date. 
I have made repeated efforts to resolve this directly with Chase, including contacting customer service, but I have not received a clear resolution or a definitive explanation as to why the funds were not issued at closure. To rule out escheatment, I also searched the Texas Unclaimed Property database and XXXX and found no record of these funds being transferred. 
In an effort to resolve the matter formally, I sent written demands to Chase in late XX/XX/XXXXXXXX  and early XX/XX/XXXX, requesting the immediate release of the {$56000.00} and providing supporting documentation. Delivery was confirmed by USPS tracking in XXXX, Ohio on XX/XX/XXXX. A separate package was also sent to Chases Executive Office in New York via XXXX, with proof of delivery available. 
Despite these documented notices, Chase has not released the funds. I am requesting that Chase immediately remit the full balance owed and provide a written explanation detailing : ( 1 ) the current status and location of the funds, ( 2 ) why payment was not issued when the account was closed, and ( 3 ) what specific steps ( if any ) Chase claims are required to complete the disbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
I am submitting this complaint regarding unresolved fraudulent charges and improper collections activity on my AXXXX XXXX XXXX XXXX XXXX  account. 

I have an active FCC complaint against XXXX XXXX XXXX for account compromise, unauthorized devices and lines, and security failures. Despite this, XXXX XXXX XXXX continues to bill me for a fraudulent smartwatch line ( XXXX XXXX ) that I did not order, did not receive, and previously reported as fraud. My billing records show reversed credits and continued monthly charges with XXXX usage. 

Additionally, while this dispute remains open, I received collections notices from Credence Resource Management related to disputed XXXX XXXX XXXX internet charges. Collections activity should not be occurring during an active fraud dispute and FCC investigation. 

XXXX XXXX XXXX has failed to provide timely written responses, failed to correct billing errors, and failed to halt collections activity. I am requesting that XXXX XXXX XXXX : Permanently remove all fraudulent device and service charges Issue full credits back to the original fraud dates Cease all collections activity related to disputed charges Provide a written explanation for reversed credits Confirm my account is protected from further billing enforcement while disputes are under review I am not refusing to pay valid charges. I am disputing fraudulent charges and improper collections while XXXX XXXX XXXX investigates account compromise. 

I am requesting CFPB assistance in obtaining a written, substantive response and billing correction from XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I am filing this complaint regarding fraudulent activity on my Affirm account and Affirms refusal to properly investigate clear evidence of identity theft. 


On or about XX/XX/year>, I discovered a loan on my Affirm account that I did not authorize or apply for. The loan was taken out under my name, but the address associated with the loan does not match my legal address and is located in a different state than where I reside. 

Despite providing this information and disputing the loan as fraudulent, Affirm determined that the loan belongs to me. 



Why This Is Incorrect My government-issued ID/license address does not match the address used on the loan The loan originated in another state, where I do not live I did not authorize, apply for, or benefit from this loan Affirm has failed to explain how a loan with mismatched identifying information was mine. 

These discrepancies strongly indicate identity theft. 



Steps I Have Taken Reported the loan as fraudulent to Affirm Requested clarification and re-review of the investigation Placed a freeze and fraud alert on my credit Completed Affirms fraud affidavit What I Am Requesting I am requesting that Affirm : 1. Remove the fraudulent loan from my account 2. Cease any collection or reporting related to this loan 3. Provide written documentation explaining how they verified this loan as mine 4. Correct any credit reporting associated with this fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Enterprise Systems, Inc.
State: NJ

Complaint narrative:
I took out a loan with XXXX XXXX in XXXX to fund part of my education. Since then, they have continuously harassed my mother and I with emails, mail and phone calls about making unreasonable payments. These payments consisted of $ XXXX monthly even after going over my monthly expenses and discovering that it was indeed impossible. 

Despite this, they still demanded that I pay thousands of dollars to qualify for a program of theirs to decrease my monthly payments from $ XXXX monthly. As mentioned previously, this was impossible. XXXX mentioned that there was nothing else for them to do except sell my information to debt XXXX, who have also been continuously contacting my mother & I dispute being told not to. 

Furthermore, in XX/XX/XXXX, the debt collectors contacted my mother 's job, which further violates my rights.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Debt Validation Request Dear I C SYSTEM, I am writing to request validation of the debt associated with my account for the amount of {$3500.00} Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information. Please provide me with the following details : A copy of the original signed contract or application. 
The name and address of the original creditor. 
The date and amount of the original debt. 
A detailed accounting of the debt, including any fees or interest added. 
Proof that you are legally authorized to collect this debt. 
Date of First Deliquency Bill of Sale Flow Agreement Below are the details of the accounts in question : I C SYSTEM : {$3500.00} Please treat this letter as a formal request for full validation of the debt. Until you provide me with the requested documentation, I will consider this debt to be disputed and request that you cease any collection activities. 
Thank you for your cooperation. 

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 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TN

Complaint narrative:
IC System reported and attempted to collect an XXXX XXXX XXXX account that does not belong to me and resulted from identity theft. I did not authorize this account and did not give IC System permission to use or report my personal information. Despite disputes, IC System failed to lawfully validate and continued furnishing inaccurate information. I have initiated XXXX arbitration.

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 2026-01-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
In Reference to this current CFPB Investigation XXXX. 
Here it is in simple terms Everyone understands that Mortgage companies earn interest AND to that point over time through the amortization schedule eventually the principle is paid down overtime. However when refinancing ; the loan amount remains the same. Here Carrington bought my loan and inflated the cost. They added almost {$10000.00} in interest and the added over {$3000.00} for an escrow account but they paid nothing for taxes.

Then the ultimate insult the mailed the refinance amount back to XXXXXXXX XXXX XXXX XXXXXXXX which is a long standing reputable bank. 

The sad part is that I had a VA loan at 4.99 % ; but the Federal Government continues to allow Carrington Mortgage Company - a predatory lender with an extensive history of complaints and illegal activity to continue to prey on Veterans. Its been over twenty days with no answer from Carrington because they have to spin up some lies. The CFPB has found Carrington liable and guilty multiple times yet they continue the same practices. 

I refinanced with XXXX XXXX  at a higher interest rate at 6.24 % without the benefit of a VA Loan and all that comes with it - which I earned. Things like XXXX XXXX for lower rates. As a result because CFPB has continued to permit Carrington to prey on Veterans it will cause me XXXX  or XXXX  of XXXX  more over time. 

Carrington owes me over {$13000.00} in a refund and I am going to take my cause public and expose Carrington to save other Veterans finances if the CFPB is not willing to assist beyond sending Carrington a notice of complaint.

I completely recognize everyone is busy but their fraudulent practices have so much documentation with CFPB it disgusts me that you allow them to expand their victim pool.

The payoff from Carrington previously attached is all the information anyone needs. I can put the CFPB in direct contact with XXXX XXXX. Carrington is who the Federal Government wants representing Veterans for mortgages? So you can have numerous other complaints while ruining Veterans finances

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am filing a complaint regarding my banks handling of a wire transfer that was authorized based on material misrepresentation and resulted in loss due to non-delivery of services and misuse of consumer funds. 

I initiated a wire transfer from my Discover savings account to a merchant for XXXX XXXX XXXX-related services under a written contract. The services were to be delivered in stages through a third-party clinic. 

Key facts I authorized a wire transfer to the merchant based on contractual representations that my funds would be used for my specific services. 

The merchant failed to perform the contracted services and is now largely unresponsive. 

The third-party clinic confirmed : No payments were received. 

My transferred funds were not applied to my services, and there was no escrow or segregation of funds. 

As a result, the services can not proceed, and my funds were not used as represented at the time of transfer. 

Concern with the banks handling I contacted Discover to report this situation. I am concerned that the bank may treat this solely as an irrevocable authorized wire transfer without adequately considering that : The transfer was induced by material misrepresentation The merchant failed to deliver services Funds were misallocated and commingled The merchant became unresponsive after receiving payment This is not a simple change of mind or business dispute, but a case involving non-delivery and misuse of funds following misrepresentation.

I acted promptly upon discovering that the services were not being delivered and that my funds were not being used as represented.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
In 2022, while I was renting a house, my personal identifying documents were stolen from the residence. 
The stolen items included my Social Security card and my birth certificate. 
After the theft, i began receiving notices of accounts and credit activity that I did not apply for or authorize. [ believe my personal information was used without my consent to open these accounts. I included the notification that my ssn and emails were compromised around that time also to show what happened.

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 2026-01-28 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: NC

Complaint narrative:
I am submitting this complaint regarding PayPal, Inc.s improper handling of a dispute involving unauthorized recurring charges and the shipment of a food product subject to an FDA-published recall.

A merchant processed recurring charges through PayPal without my authorization. I did not consent to a subscription, did not authorize recurring billing, and did not agree to receive additional shipments. Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. 1005.10 ), recurring electronic fund transfers require clear consumer authorization. A merchants unilateral designation of a transaction as a subscription does not establish valid authorization.

After the charge occurred, I learned that the product shipped by the merchant was subject to an FDA-published recall due to a serious food safety risk, specifically botulism. The merchant had knowledge of the recall prior to or at the time of shipment and failed to provide any warning, recall notice, or instruction not to consume the product. I would not have accepted shipment of a recalled food product posing a potentially life-threatening hazard.

I disputed the unauthorized charge through PayPal. PayPal denied and closed my dispute, stating only that the transaction was processed correctly. PayPal did not require the merchant to produce a valid billing agreement, proof of consumer consent, or evidence of authorization for recurring charges, as required by 12 C.F.R. 1005.11. PayPal also failed to address or consider the consumer safety implications of shipping a recalled food product.

PayPal has refused to identify the documentation it relied upon to deny my dispute and has not demonstrated that it conducted a reasonable investigation as required by Regulation E. Closing a dispute without verifying authorization or addressing a known FDA recall constitutes a failure to comply with federal consumer protection requirements. I appealed their decision and again paypal denied my appeal I am requesting that the CFPB require PayPal to : Provide documentation demonstrating valid authorization for the recurring charges, or reverse the unauthorized charges ; Correct its dispute investigation practices to ensure compliance with the Electronic Fund Transfer Act and Regulation E ; and Address its handling of disputes involving known consumer safety risks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received my gift card as an early XXXX gift from my boss who directly purchased it from American Express. I activated it how the card explains to do on XX/XX/XXXX. I didnt use or try to use the card until about 2 weeks later at a XXXX XXXX where the card did not work. Later that day i checked my balance online and it showed two transactions made on XX/XX/XXXX both at XXXX XXXX The first transaction was of {$73.00} and the second transaction was of {$26.00}. Totaling my {$100.00} gift card balance. I called amex gift card customer service to dispute the transactions as soon as i saw this probably on XX/XX/XXXX because thats when i received my first email from them confirming my dispute case. It says it may take up to 90 days. Today XX/XX/XXXX, i received an email saying theyre denying my dispute because they found strong evidence suggesting you may have given your Card information to a third party via phone, website, email, in-person, or by other means. I want to state now as i stated to them I did not use the card. I did not share any card details. I believe they made an assumption without evidence. I believe this because when i called them today they told me they cant do anything for me because the case was already resolved. I asked for a supervisor which they said theyre having technical difficulties transferring the call to the supervisor. I asked them for the merchant information, if it was used online or instore and more importantly what strong evidence they had that shows the card information was shared. Which they said We do not have that information available to us right now. I called again to speak with someone else who is able to transfer me to the supervisor and ironically they told me the same thing that they cant transfer me to a supervisor but that the supervisor will tell you the same thing that they cant do anything about it. I asked if i was able to do another review which they said they can not do. I feel helpless because I know i did everything correct and they were being stern about not being able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
During the first the XXXX XXXX  of XXXX Chime advertised 1.5 % cash back for grocery purchases but failed to pay it for several of my grocery purchases ( e.g. XXXX XXXX, XXXX, etc ). I deliberately opted to use Chime for the purchases vs another cash back card thinking I would receive a .5 % more cash back. Instead I didnt receive any cash back. 

During the first quarter of XXXX Chime offered a 1.5 % cash back offer for general shopping purchases. Many of my purchases have not received cash back because Chime says that they are not labeled as general shopping. When I asked how does a customer know when something is a general shopping purchase they told me the only way to know is to see what the transaction label says when applied to the account and discern how the merchant categorizes it. This is deceptive because Chime should maintain a list and have better guidance for customers so that we can make an informed decision regarding when we want to use our Chime card for the cash back incentive versus another card and not loose out on cash back offers from other institutions. They leave the process up to chance. 

In both of these instances, I reached out via chat and phone to customer service to discuss why I hadnt received my cash back. And in both instances agents make educated guesses regarding why the process isnt working ( e.g. it only applies to Chime XXXX purchases ). 

When I push back or ask to escalate Im placed on hold and then disconnected. I never received a call back. My efforts thereafter to reach back out to Chime customer service were not successful because I was not able to connect via phone to an agent. I can understand this being an isolated instance however then has happened twice ( in the XXXX  of XXXX and XXXX  of XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My debit card fraud claim was denied despite multiple same-day unauthorized transactions across multiple merchants. I provided timestamped evidence showing I was elsewhere at the time. Navy Federal has not explained how these transactions could be authorized by me under Regulation E. I am requesting a formal review and written justification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation