vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 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: Chime Financial Inc
State: AR

Complaint narrative:
On XX/XX/year> I had a {$190.00} transaction on my Chime account from XXXX, I automatically froze my account and contacted Chime in which time they told me to freeze my card & they would send a new card to me which I did, they stated my funds would be returned within 7-10 business days, I had checked my account several times and havent received my money back, I have contacted Chime Customer Support 7 times, each time they have told me that my complaint has been settled, I asked them how because I havent received my money back, except for the {$8.00} that was charged for the pending transaction, out of the 7 calls I spoke with 2 Supervisors that told me I needed to file a police report & send the information to prove that it was a fraudulent purchase, I stated its not a police issue its a banking issue & asked what information that they have proving I made the purchase. Chime hung up on me, and still havent received any information on why it was settled and why my money hasnt been put back into my account. I am highly disappointed with Chime and their unprofessionalism as a company, I simply want my money back as it was not a transaction that I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Complaint Summary I am filing a formal complaint regarding a duplicate HELOC debit that has not been corrected despite repeated attempts and an open case with Flagstar Bank. 

Details On XX/XX/XXXX, I initiated an online HELOC advance for {$5000.00} to my XXXX account. The following day, I received an email stating that the transfer did not complete and instructing me to contact the bank, with no explanation provided. 

I called XXXX and remained on the phone for an extended period, but no one was able to assist or explain the issue. Based on the message that the transfer failed, I moved forward by issuing a new HELOC check, which I deposited into my Chase account on XX/XX/XXXXXXXX XXXX XXXX 

However, my HELOC statement now shows XXXX debits : {$5000.00} on XX/XX/XXXX ( online transfer marked as failed ) {$5000.00} on XX/XX/XXXX ( HELOC check ) I only received the funds once, yet I am being charged interest on both amounts. 

I contacted XXXX again and was given case number XXXX on XX/XX/XXXX. When I called back on XX/XX/XXXX, the representative stated she could not resolve the issue and directed me to another department, indicating internal confusion and lack of ownership.

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 2026-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I submitted a hardship application with PNC bank on XX/XX/scrub>XXXX XXXX XXXX this is not the first hardship application that I have submitted with them the first hardship application I had so many issues as well with receiving the run around and in the end the only option they gave me was short sale, I decided that I would file for bankruptcy instead to protect my home, I recently found out that you could submit a hardship application while in bankruptcy ( XXXX XXXX ) so I did. After I submitted my application I have been calling every week sometimes Mutiple times a week for a status update and I was told there was nothing else needed from me and my application was completed and marked as completed on XX/XX/XXXX and that pnc had 30 days from that date to come up with a decision and give me options and that my 30 days would be up on XX/XX/XXXX. I called for another update on XX/XX/XXXX. And I was told that they were missing a signature on the acknowledgement page I voiced my concerns to the agent which was non chalant and let her know I had been calling every week and was concerned on why this wasent caught I reviewed the acknowledgment page and it was a signature but they stated it was not e signed or a wet signature so it wasent accepted. I resign it and sent it back in I asked the agent before I sent it back in would I have to wait and additional 30 days for pnc decision I didnt think it was fair due to them not catching this in time and due to nothing on the application stating it requires a wet signature. She put me on hold and confirmed that since my application was marked as complete on XX/XX/XXXX I would still receive a answer on XX/XX/XXXX. Today is XX/XX/XXXX and I called in and a agent told me my review has started over, I am extremely upset that I keep receiving different communication from different representatives in XXXX I requested a supervisor give me a call I never heard anything pnc banking in my local town is awesome but the level of customer service that is received by the agents on the phone and the knowledge meant of the process is not very good. I dont feel like that pnc supports me keeping my home at all and I feel like EVERYTIME I complete a hardship application Im giving the run around even though I do everything as asked. I am not happy at all with my service with pnc

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: MD

Complaint narrative:
On XX/XX/2025, I paid XXXX XXXX the {$25.00} copay that I owed from a previous visit via their online payment portal. Shortly after XXXX XXXX, i received a letter from Receivables Management Systems, dated XX/XX/2025, stating that I owed them {$40.00} for an alleged XXXX XXXX  " principal balance '' and XXXX cent " interest '' plus {$40.00} in fees under Reference Number XXXX for the XXXX XXXX balance that I previously paid in full to XXXX XXXX This was shocking to me since I paid the balance in full to XXXX XXXX over a month prior. I called RMS and attempted to speak with them regarding the balance but they were requesting sensitive personally identifiable information of mine such as the last four of my SSN as well as my XXXX and I was not comfortable with providing this information so I discontinued the phone conversation. The letter did not provide any other option to contact the debt collector so I am now seeking the intervention of CFPB to halt this fraudulent attempt at collecting a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERVis 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I disagree with Bank of Americas response.

Bank of America failed to address my primary complaint. My dispute is not simply about reporting accuracy, but about Bank of Americas repeated refusal to provide full itemized documentation supporting the alleged charges on this account. 



Additionally, Bank of America failed to address that the account belongs to XXXX XXXX XXXX XXXX XXXX XXXX, a business entity, and not to me personally, yet the matter has been improperly attributed to my name. 



Referring me to XXXX does not resolve Bank of Americas obligation to provide documentation for charges they originated and serviced. Bank of America has still not provided a complete itemized statement, explanation of all charges and credits, or documentation validating the balance they claim is accurate. 

I am requesting the following : Full itemized statements showing all charges, fees, credits, and adjustments Written explanation validating the alleged balance Confirmation that no inaccurate or unverified information will be reported to any consumer or business credit reporting agency Bank of Americas response is incomplete and does not resolve my complaint.

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
I am filing this complaint against CREDIT COLL for unlawful credit reporting and failure to validate an alleged debt in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
I never received any written notice, dunning letter, or validation notice from CREDIT COLL before this account was placed on my credit report. This is a direct violation of FDCPA 1692g ( a ), which requires a debt collector to provide written notice of the debt and my right to dispute it within five ( 5 ) days of initial communication. 
Additionally, I disputed this account over 30 days ago, and CREDIT COLL has failed to provide a single piece of verification. Despite this, they continue to report the collection to the credit bureaus. 
Under the law, proper validation of a debt requires : The original signed contract or agreement Full itemized accounting of the balance Proof of ownership and chain of assignment Date of first delinquency Proof the collector has legal authority to collect CREDIT COLL has provided none of the above. Continuing to report an unvalidated debt is a violation of FDCPA 1692g ( b ) and FCRA 1681s-2 ( b ). 
Each violation of the FDCPA carries statutory damages of up to {$1000.00} per violation, plus attorneys fees and costs. CREDIT COLL is fully aware of these requirements and has chosen to ignore them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I was under the impression from the doctors office that my interest rate was deferred for 24 months. However they did not provide 24 mos. Then so on a bill a charge of XXXX interest charge. The rate is XXXX the original medical procedure was XXXX. So I went from owing XXXX to XXXX. Its like I never paid anything.

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 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: LA

Complaint narrative:
BMO BANK N.A ., Open Date : XX/XX/year>. I've never open an account with this company, and has no acknowledgement of this account ever existing.

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 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian keeps unlocking my credit without my permission, due to I do not want to purchase their security services, in which I already have one, and can not afford two services. Can this please stop.

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 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding TD Bank and my checking account. Issue summary : TD Bank improperly handled unauthorized ACH transactions on my account and later reversed refunded funds without my knowledge or consent, causing financial harm and a negative balance.

What happened : On XX/XX/XXXX, an unauthorized ACH debit in the amount of {$190.00} was withdrawn from my checking account. On XX/XX/XXXX, a second unauthorized ACH debit in the amount of {$400.00} was withdrawn by the same company, XXXX XXXX, labeled as XXXX XXXX 

I have never authorized, enrolled in, or conducted any business with this company. I contacted TD Bank and submitted a fraud report. TD Bank informed me that a person named XXXX was withdrawing the funds. I was advised by the bank to close my account and open a new one, which I did. TD Bank then refunded the stolen funds. 

On XX/XX/XXXX, I opened a new TD Bank checking account with my original balance of {$810.00}. After withdrawing some funds, my ending balance was {$540.00}. 
Without my knowledge, consent, or notification, TD Bank later returned the previously refunded stolen funds to the original party, which removed money from my account and resulted in a negative balance of - {$48.00}. I did not authorize this reversal and was not informed in advance. 

On XX/XX/XXXX, I contacted TD Bank again and submitted another fraud report. Since then, TD Bank has continued to charge me $ XXXX  monthly fees, further increasing my negative balance. 

Proof provided by the bank : TD Bank mailed me documentation they claim supports their decision. The document includes my bank account information but does not contain my name or my signature, and I have never seen or agreed to this document. I believe this document is not valid authorization. 

Why this is a problem : TD Bank failed to properly protect my account from unauthorized ACH debits, reversed refunded funds without my consent, and relied on documentation that does not prove my authorization. These actions have caused me to lose all of my funds and incur additional fees.

Sincerely, XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX Initiated a balance transfer where XXXX XXXX  sent a check for {$4000.00} to Citi Bank to pay down a balance on a Citi Double Cash Back Card. 

XX/XX/XXXX - XXXXXXXX XXXX  confirmed that the check was sent. 

XX/XX/XXXX - I saw that the balance transfer check posted to my XXXXXXXX XXXX account. 

XXXX XXXX ( XXXXXXXX XXXX XXXX ) - I did a chat with Citi Bank to inquire about the status of the payment. They said that it could take 14 business days to post. 

Around XX/XX/XXXX - I called XXXXXXXX XXXX, and they said that the check had cleared to a Citi Bank account. Unfortunately, I had transposed two digits in my account number, which explains why the check didn't post. 

XXXX ( around the XXXX ) - I called Citi Bank, because the {$4000.00} payment had not yet posted. I provided the check number, routing number, and account number that XXXXXXXX XXXX had provided to me. They said that they would look for the check. 

XX/XX/XXXX - I called Citi Bank again and they had no information about my previous request, so a supervisor created a new one. 

XX/XX/XXXX - I called for an update. Again, no information. 

End of XXXX - I'm sure I called one more time. 

XX/XX/XXXX - An account supervisor named XXXX left me a voicemail stating that the check was not found. I then called Citi Bank and they said to request a copy of the check from XXXXXXXX XXXX 

XX/XX/XXXX - XXXX called XXXXXXXX XXXX to request a copy of the check. They said that it would be mailed to me within 10 business days. 

XX/XX/XXXX - I received a copy of the check from XXXXXXXX XXXX It included a letter from Citi Bank stating that they had received the check on XX/XX/XXXX, and they asked which credit card account to apply the check to. 

XX/XX/XXXX - I faxed the requested information as well as a copy of the check to the Citi Bank Payment Investigations team at XXXX. I then called Citi Bank, and an account representative stated that I would receive a response by XX/XX/XXXX. 

XX/XX/XXXX - I called Citi Bank and stated that I had not yet received a response about the outcome of my payment. An account supervisor then told me that the Payment Investigations team successfully processed my request, but that it would take another 2-3 business days for the payment to be applied to my account. I asked if there was anyone there competent enough to process the payment today. The answer was no. I told them that I would lodge a complaint with the CFPB if I could not get a resolution today. The supervisor hung up on me. We'll see if Citi Bank can make good on yet another promise.

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 2026-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Ive sent a cease and desist order and they called and emailed me. Willful disregard of the request.

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 2026-01-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Stellantis Financial Services US Corp.
State: NY

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Follow-Up on Existing Complaint Fraudulent Loan / Unauthorized Credit Application Complainant : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX : XXXX Email : XXXX Original Complaint Number : [ Insert Your Complaint Number ] Account / Contract Number : XXXX 1. Reason for Follow-Up I previously submitted a complaint regarding a fraudulent and unauthorized loan with Stellantis Financial Services . I am providing additional details and evidence for further investigation. 



2. Updated Information / Evidence Unauthorized credit application : In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX created a credit application in my name without consent, falsifying my income ( $ XXXX ), employment, residence, and signature. I never authorized or signed it. 
Recorded calls with bank representatives : One stated : The dealership does not need documents to get approved on a car loan. 
Another instructed me to visit the dealership on speakerphone for a return attempt. 
Attempted XXXX return : XX/XX/XXXX, my fianc attempted to return the XXXX  ; dealership refused, saying I must deal with the bank. Police were called due to misconduct. 
Payments made under protest : $ XXXX from XX/XX/XXXX to XX/XX/XXXX ( XXXX payments, {$30000.00} total ). XXXX XXXX stop in XXXX was repaid without explanation. 
Rejected settlement offers : Emails from XXXX XXXX ( dealership ) and NY XXXX lawyer offered partial refunds and payments, but they do not address the fraudulent loan or provide proof of authorization. 
No proof of authorization : The bank and dealership have no original credit application, signatures, or supporting documents. 



3. Request for Resolution / Action I respectfully request that the CFPB : 1. Immediately investigate Stellantis Financial Services for fraud, forgery, and unauthorized loan approval. 
2. Ensure the bank cancels/rescinds the fraudulent contract. 
3. Confirm in writing refund of all payments ( {$30000.00} ). 
4. Require the bank to provide all supporting documentation relied on for approval, including original signatures, authorization, and proof of income. 
5. Remove all entries and inquiries from my credit report related to this account. 



4. Additional Notes I have videos, texts, recorded calls, emails, and proof of residence, income, and employment to support this complaint. These can be provided electronically via the CFPB portal or uploaded directly to my complaint record.

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 2026-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlantic Recovery Solutions LLC
State: TX

Complaint narrative:
The debt collector refused to provide an email address after I asked them to, she stated we can talk on the phone. Representative kept refuse and terminated the calls when I requested. The collector use deceptive SMS language implying legal action ( " filing case '' and " verify location '' ). This prevented me from exercising my rights under the FDCPA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Doing the last year ( XXXX ) I have been facing financial hardships, and as a result, increased debt with my CHASE credit cards. however, during the last part of the year, my spouse and i have been starting to get back on our feet, and as such decided to try our best to bring our CHASE credit card accounts up to good standing, especially the account ending in XXXX. It proved harder than initially thought, but we tried. Unfortunately, my CHASE SAPPHIRE account ending in XXXX was closed due to non payment, and a mix up on my part. As a result, I lost over XXXX points that I desperately needed to use this coming year XXXX. I regret this immensely, and am imploring CHASE to help me recover them as I have been accumulating them for years. They said there is no chance, but I am holding out hope that if I bring the account to current status, they might re-open it and recover my points. Total amount due is {$5100.00} but would need to pay {$980.00} to bring it current.

Company response to consumer: Closed with explanation