vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I found out via XXXX credit report that my credit score is very poor and Im in high depth.I got the report because my estranged husband told me I would need to file bankruptcy.I dont live no more in our home for couple years, so I never got any statements/ mail.

Right away I went to the banks in person and filled a complain. Also I had them closed the accounts. After I did that they didnt give me any statements or information where all the money went because on a closed account they cant have access.Now Im getting contacted by them / depth collectors and they demand there money.I also went to the police and filled a report but after many calls, emails I still get no response.I will list the information below. If you need my credit report or anything else please let me know. 
XXXX XXXX opened XX/XX/XXXX {$10000.00}, closed account Bank of America opened XX/XX/XXXX {$10000.00} closed XX/XX/XXXX by me Bank of America opened XX/XX/XXXX {$10000.00} XXXX by me XXXX XXXX XXXXXXXX {$7400.00} closed account XXXX XXXX opened XX/XX/XXXX {$6900.00} closed account XXXX  XXXX opened XX/XX/XXXX {$8900.00} closed account XXXX XXXXXXXX opened XX/XX/XXXX {$5400.00} closed account I hope you can help me in that matter. I will try anything to prove that these charges not made by me and that I wasnt aware of all this credit cards opened in my name .For the last 4 years Im mostly out of the states so it should be possible to track does payments or who signed up for them.

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 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding Lakeview Loan Servicings prolonged and improper withholding of insurance proceeds related to a covered property loss.

Lakeview has been holding approximately {$21000.00} in insurance proceeds for nearly one year. These funds represent payment for covered damages to my property.

Repairs totaling approximately {$8500.00} have already been completed and paid out of pocket, including gutter work and other necessary repairs. I have provided invoices and proof of payment. 

Despite this, Lakeview has refused to release funds already spent and has imposed new and unreasonable conditions, including : Requiring supervised disbursements after repairs were completed Requiring contractors to sign overbroad lien waiver forms that contractors routinely and reasonably refuse to sign Conditioning release of funds on my execution of a statement waiving my right to sue Lakeview The requirement that I waive legal rights in order to receive insurance proceeds that already belong to me is improper and unacceptable.

These actions have made it impossible to complete remaining repairs and have caused significant financial hardship. Lakeview has failed to provide a reasonable, timely, or lawful disbursement process despite repeated attempts to resolve this matter through phone calls and documentation.

I am requesting that Lakeview : 1. Immediately release insurance funds corresponding to repairs already completed and paid 2. Cease conditioning disbursement on execution of any waiver of legal claims 3. Accept commercially reasonable proof of payment and lien protection consistent with industry standards 4. Provide a clear and lawful plan for disbursement of the remaining insurance proceeds I am requesting the CFPBs assistance in ensuring Lakeview complies with applicable mortgage servicing requirements and releases the insurance proceeds without further delay.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XX/XX/year>XXXX  at XXXX XXXX  my Apple credit card by Goldman Sachs was used in a {$200.00} XXXX XXXX transaction that was NOT committed by me or authorized by me. I IMMEDIATELY disputed the transaction THAT DAY and requested a new online card number as this current one had clearly been compromised & used in a fraudulent transaction. 

Two days later on XX/XX/year>XXXX  at XXXXXXXX  I get an alert that my OLD card had been attempted to be used in a {$110.00} purchase again at XXXX XXXX. Apple card actually declined this attempted fraudulent purchase with the reasoning as " Card Number Replaced '', which is exactly what they should have done. There is no possible way I could have used the old online card as the new virtual card number was in place on my account when I originally requested the new card on XX/XX/XXXX. I had NO access to the old virtual card number. 

Two months after I filed the dispute, on XX/XX/year>XXXX  I received notice that Apple card & Goldman Sachs had reviewed my dispute and made the decision that I was the one who made the purchase and the charges would remain on my account. I have since appealed this dispute 3 times. On the first dispute case, I immediately disputed the fraudulent transaction & requested a new card. On the XXXX dispute case ( XXXX appeal ) I provided evidence showing the old compromised card number was attempted to be used in another XXXX online transaction 2 days later and was declined due to the new card replacement. On the XXXX dispute case ( XXXX appeal ) I provided evidence of the fact that I have never shopped at XXXX online before this fraudulent purchase. Despite all of my efforts and evidence I provided, Apple, Goldman Sachs, and XXXX still hold me liable and keep the {$200.00} charge on my card. 

I have never had this issue before that I am being held liable for a fraudulent charge for any other credit card company other than the Apple card with Goldman Sachs. I would 100 % advise against getting the Apple credit card as there is a possibility that you will be held liable for charges that are completely fraudulent and you could be held responsible for charges that you did not commit and they could total any amount. This is extremely worrisome as I have provided seemingly every piece of evidence that I have that could exonerate me and they still hold me liable - what if the charge was $ XXXX? $ XXXX? This is extremely dangerous to the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MO

Complaint narrative:
Chime won't give me access to my ssi funds and I.need help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
I disputed inaccurate information being reported on my credit file regarding a collection account. The reported balance and last reported/last active date are inaccurate and do not match available records and documentation. I requested a reasonable reinvestigation and verification of the disputed fields, but the inaccurate reporting remains. 

I am requesting : ( 1 ) correction of the inaccurate balance and dates, or ( 2 ) deletion if the information can not be fully verified with competent documentation, and ( 3 ) written confirmation of the results of the reinvestigation and the specific method of verification used.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am formally disputing the alleged debt you claim under Account Number XXXX in the amount of {$1500.00}. I do not acknowledge this debt, and I am requesting full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Your previous responses have not provided any documentation proving that Midland Credit Management owns this alleged account or has the legal right to collect on it.

You are required to provide the following documentation : Chain of Assignment / Bill of Sale Complete, unbroken chain from the original creditor to Midland All intermediary transfers, assignments, or sales Forward Flow Agreement/ Purchase Agreement The contract governing the sale of this specific portfolio Identification of this alleged account within the sale file Securitization Disclosure Whether this account was included in any securitized trust The name of the trust, pooling and servicing agreement, and trustee Documentation proving Midland holds clear title and ownership Double-Entry Accounting Records The original creditors ledger showing the charge-off Any post-charge-off adjustments, write-downs, or sales accounting Midlands own accounting records showing the acquisition value Contract or Agreement Bearing My Signature Any original signed application or agreement Not generic cardmember terms Proof of Authority to Collect Licensing/authorization to collect in my state Itemized breakdown of the alleged balance Until proper validation is provided, you must cease all collection activity, including reporting to any credit bureau, as unverified information may not be furnished under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

This letter is not a refusal to pay ; it is a lawful demand for verification.

Please provide all documentation electronically. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
This is concerning Bank of America account XXXX I am requesting executive review because this issue has been repeatedly misunderstood despite documentation being provided and despite the matter involving two separate claims. 
Claim numbers referenced : Claim XXXX XXXXXXXX ( duplicate charge resolved correctly ) Claim XXXX XXXX ( returned merchandise unresolved ) Transaction summary : I purchased one pair of work boots. At the time of purchase, the merchant charged my card multiple times for the same item at the same price. 
I filed Claim XXXX XXXXXXXX regarding the duplicate charge. The merchant subsequently refunded one of the duplicate charges, which correctly resolved the overcharge. That refund only corrected the duplicate transaction and was not a refund for returned merchandise.

Second claim ( this issue ) : After the duplicate-charge issue was resolved, I returned the boots to the store. This return is a separate event and a separate claim. The store did not issue a refund for the returned item, which is the subject of Claim XXXX XXXX. 
Current error : In reviewing Claim XXXX XXXXXXXX, both the merchant and the bank continue to reference the refund issued under Claim XXXX XXXXXXXX and incorrectly treat it as if it were the refund for the returned boots. It is not. 
I have already provided proof of return, including the return receipt, in prior submissions related to Claim XXXX XXXXXXXX, but it appears the documentation was overlooked or the transactions were not evaluated as distinct events. 
To be clear : Claim XXXX XXXXXXXX : Duplicate charge refund issued ( resolved correctly ) Claim XXXX XXXX : Returned merchandise refund never issued I am requesting review by Executive Customer Relations to reconcile these transactions properly and issue the missing refund for the returned merchandise.

Due to the prolonged failure to resolve this matter despite multiple claims and documentation, I have opened accounts with other banks and am close to ending my relationship with the bank if this is not corrected promptly.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I lost my chime credit card and I didn't realize it until I saw a change for {$690.00} for a store called XXXX but I don't know what this place is and I never authorized them to change my card because I lost my card and I didn't make this change. This was my money that I need to pay my bills. Chime denied my unauthorized charge dispute claim less than 24 hours after I filed it. This clearly shows Chime didn't investigate anything and is not helping there customers. I'm going to be telling everyone I know about this issue with Chime and they don't protect there customers or investigate any unauthorized charges that happen to there customers accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Jon Barry and Associates, Inc.
State: GA

Complaint narrative:
This company sent me a text message and displayed all my personal information on said text. It was also medical which is even more personal. They did not call or even verify that it was me before blasting all my personal info address, number medical information on the text.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am submitting this complaint to report Bank of Americas continued non-compliance with Regulation E ( 12 CFR 1005.11 ) following the banks recent denial of my debit card dispute. 

I initially reported unauthorized debit card transactions on my Bank of America checking account on XX/XX/XXXX. Under Regulation E, Bank of America was required to complete its investigation and provide a written determination within 90 days. 

That 90-day statutory deadline expired in XX/XX/XXXX. Bank of America did not provide a valid written determination within the required timeframe. Instead, on XX/XX/XXXX, after the Regulation E investigation period had already expired, Bank of America issued a denial letter asserting that the transactions were authorized. 

The XX/XX/XXXXXXXX  denial did not include any supporting evidence or documentation to substantiate this conclusion. It also failed to address prior documented procedural errors during the investigation, including the banks earlier transmission of a mismatched response letter clearly intended for a different consumer, with a different name, address, transaction amount, and timeline. 

Because the denial was issued after the expiration of the Regulation E investigation period, it does not cure the banks failure to comply with the timing and good-faith investigation requirements of Regulation E.

A related complaint was submitted to the New York State Department of Financial Services ( XXXX File No. XXXX ), which was forwarded to Bank of America before being procedurally closed. 
Despite multiple complaints and opportunities to correct these issues, Bank of America has failed to demonstrate compliance with Regulation Es investigation, timing, and documentation requirements.

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 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I filed taxes with XXXX and applied for refund advance thru credit karma. 

My refund has never been sent, and each " VIRTUAL ASSISTANT " WAS UNABLE TO RESOLVE ANYTHING, JUST A BUNCH OF I DON'T KNOW, I CAN'T HELP, AND REDIRECTING TO ROBOT PHONE NUMBERS TELLING ME THEY HAVE BETTER KNOWLEDGE OF MY ACCOUNT. 
I ASKED FOR A SUPERVISOR SUPPORT ON MORE THAN ONE OCCASION AND KNOW RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had my chase account for years and collected points I had XXXX credit that I paid off on my card requested to close due to not satisfactory service problems with chase. Before I paid off the card completely I wanted to use my miles and requested online 5 different gift cards XXXX each and once I paid off the balance which was weeks later I never received the card. They deleted my miles completely to be spiteful and I never received my hard earned miles it was 5 gift cards for XXXX each. I would like someone to investigate this banks practices because this is unbelievable what has happened to me. Now I don't trust this company and everything they put me through I'm still waiting for gift cards now 3 months which I need and will not give up until I get them as I was supposed to for all my years of contributions. I had 60,000 miles which was between XXXX $ I paid it off they didn't close my card properly and I never received my gift cards because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I recently received communication regarding an alleged debt. I do not know who the collector is or have full details of this account. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide validation of this alleged debt, including : 1. The amount of the debt. 2. The name of the original creditor. 3. Documentation showing that I am legally obligated to pay this debt. 4. Proof that you are authorized to collect on this debt. Until proper validation is provided, I request that you cease all collection activities, including reporting this debt to any credit bureaus. Please respond in writing to the address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am filing a complaint regarding a XXXX XXXX account that has been reported to collections and placed on my credit report. I have no knowledge of this debt and do not recognize it as mine. I did not open or authorize this account. At the time associated with the address, I was a XXXX  and could not have legally entered into a utility agreement. I am requesting full validation of this debt or its removal from my credit report if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: MD

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I rented a vehicle from XXXX XXXX car upon arrival to pick-up. I noticed the vehicle that I requested was no where on the lot, after speaking with staff I ended up renting a XXXX XXXX, off the start of the rental I noticed a few things that I was upset with, the vehcile wasn't filled, the rates were increased due to them putting me in a SUV Instead of a passenger sedan as I asked for. When I spoke to the supervisor with customer support. They informed me there was a promotion code used for a free upgrade. I never entered nor use this promotion code. I assume that at pick up the agent noticed there was no passenger cars and utilized the code to ensure the comoany XXXX XXXX XXXX' wasn't loosing money. In turn this cause the customer to unknowingly be charged substantially more than the rental should have been. After contacting it was brought to hold up. I was threatened by XXXX Customer Support. I was belittled by XXXX staff. I submitted to Chime as an unauthorized charge/service not recieved as described. Upon denial of the dispute. Chime still has my dispute blocked and are not allowing me to appeal. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am contacting TD Bank regarding a charge-off on my TD Bank/Target credit card account ( opened XX/XX/XXXX, charged off XX/XX/XXXX, balance {$510.00} ). I am disputing this charge-off and requesting that it be removed from my credit report. I believe the account information may be inaccurate or unfairly reported, and I request TD Bank review the account and take appropriate action to remove the charge-off from all credit bureaus.

Company response to consumer: Closed with explanation