vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
CFPB Escalation Statement of FactsRE : Escalation of Case # XXXX Merchant Name : XXXX XXXX XXXX XXXXDisputed Amount : $ XXXXMerchant ID : XXXXStatement of Facts : I am filing this second complaint as a formal escalation because JP Morgan Chase ( `` Chase '' ) has failed to resolve the wrongful withholding of my business funds and has now introduced a fraudulent tax reporting scenario.1. Contradictory Financial Reporting ( The XXXX Discrepancy ) In their recent response, Chase confirmed they reported a gross payment amount of {$59000.00} to the IRS via a XXXX XXXX XXXX. However, Chase simultaneously stated they are holding these funds in a " Reserve '' and refuse to release them. This creates an immediate, artificial tax liability for XXXX XXXX XXXX XXXX for income that Chase physically controls. Chase is reporting " paid income '' to the government while maintaining constructive possession of that same income.2. Unaccounted Discrepancy in Funds Chases formal response acknowledges a " Reserve '' balance of only {$54000.00}, yet they reported {$59000.00} to the IRS. There is an unexplained discrepancy of {$5000.00} that Chase has failed to account for, credit back to my business, or explain in any capacity.3. Absence of Risk-Based Justification Chase claims this 180-day hold is necessary to protect against " Chargebacks and Card Network Liabilities. '' As an established Arizona small business operating for over 26 years with a history of zero successful chargebacks, Chases " good faith '' determination of risk is mathematically and historically baseless. This hold serves no purpose other than to deprive a small business of its earned revenue.4. Failure of Previous Mediation Despite filing a previous complaint, Chase has issued a generic refusal to release the funds, ignoring the severe tax implications and the fiduciary nature of these funds.Requested Resolution : I request that the CFPB compel JP Morgan Chase to : Release the withheld funds of {$59000.00} immediately.Issue a corrected XXXX to the IRS reflecting that these funds were never disbursed to my business.Provide a line-item accounting of the {$5000.00} discrepancy between the IRS report and the Reserve balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Approximately one month ago, I sent out multiple letters to XXXX XXXX, resurgent debt, LVNV funding, XXXX XXXX, XXXX XXXX, XXXX XXXX asking to validate the debt and send contracts and not one of them did as I asked. I pulled the template from online like everybody said to do and it did not work. I even included a copy of my ID as well as my FTC report stating Im a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am disputing serious errors on my auto loan account ( Account # : XXXX ) for my XXXX XXXX XXXX XXXX I made timely payments in XXXX through XX/XX/XXXX, including payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At the time I requested financial assistance, I specifically requested an extension for my XXXX and XX/XX/XXXX payments. However, the extension agreement processed by GM Financial reflects extensions for XX/XX/XXXX and XXXX XXXX XXXX months that had already been paid. This indicates that the extension was applied incorrectly and does not reflect my actual request or payment status. As a result of this error, my account is now showing : - A past due balance of {$1200.00} - A late fee of approximately {$110.00} - A delinquency status of 33 days past due These charges are inaccurate and appear to stem directly from GM Financials misapplication of my extension request and/or misallocation of my payments. I am requesting the following immediate actions : XXXX. Full investigation and correction of the extension to reflect XXXX and XX/XX/XXXX as originally requested XXXX. Removal of all late fees and delinquency status resulting from this error XXXX. Proper reapplication of my payments to ensure my account reflects accurate payment history XXXX. Written confirmation of the correction If this matter is not resolved promptly, I will escalate this complaint through the Consumer Financial Protection Bureau ( CFPB ) and any other appropriate regulatory agencies for review of improper servicing practices. This is a formal dispute, and I expect a timely resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XX/XX/year> wire from XXXX XXXX company went to PNC bank my account for the amount of XXXX. I was off one digit on account number. PNC had the wire per XXXX XXXX but delayed in sending back to XXXX. XXXX for banks to send back wires if account is not found. PNC kept my money for almost 2 weeks. Finally PNC release my money back to XXXX where I was issued a check for the amount of {$9200.00}. Manager at XXXX XXXX noticed the monies was {$20.00} dollars short. Manager gave me notice that PNC took the {$20.00}. I contacted PNC, discussed with XXXX branch manager in bank. She claimed she did not have access to wire department. We submitted a compliant. I received a call From XXXX days later. I discussed with XXXX again why PNC too my XXXX dollars, did not give me notice of any sort. XXXX stated she was from XXXX XXXX XXXX would take place. XXXX stated she would contact me on XX/XX/year>. I have not received a call from XXXX as it now seems that I have been ghosted. Again, I would like the XXXX dollars back and the reason why PNC took the monies, I have been not one logical explanation. need some help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
Open date XX/XX/year>. Amount XXXX I have requested for the company to send me a written copy of the agreement that I have applied for any line of credit or any debt with my name social signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
I submitted a PSLF buyback request in XX/XX/XXXX and have been waiting over a year with no resolution. I now have 120 qualifying payments contingent on this buyback. I filed a complaint with Federal Student Aid on XX/XX/XXXX, and was told my case is escalated, but I still have no timeline. This delay is preventing my loan discharge. I am requesting immediate review and processing.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my third formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my XXXX score, causing difficulties in maintaining my financial stability. I am urgently seeking your assistance in resolving this matter, particularly as I am preparing to apply for a loan that requires a strong XXXX score for eligibility. Your prompt attention to this issue would be greatly appreciated and would allow me to proceed with my financial plans without further detriment. Thank you for your support and cooperation in correcting these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I have been a business user of PayPal for a payment XXXX for my website for 18 years. I got a message this afternoon stating that my account had been closed for activlty that PayPal could not support. No explanation of what that activity could have been. There has been no activity other than online sales, just as those which have been processed for the past 18 years. The customer service agent I called could not tell me why the account has been closed. The money I still have in the account is not available to me for 120 days. I've been a loyal and happy customer, but this is something I can't understand at all. The company should HAVE to explain why an account has been cancelled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 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: FL

Complaint narrative:
I transferred XXXX Rewards points online between my Chase credit card accounts. At the point of transfer, Chase did NOT disclose that the points would permanently lose value when moved internally. XXXX of the XXXX points transferred had a value of XXXX when used for travel ( equivalent to {$260.00} when used for booking travel on Chase XXXX XXXX XXXX XXXX ) which was my intent. As a result of this undisclosed rule, my points lost {$250.00} in redemption value immediately after the transfer. Had I been informed of this at the time of transfer, I would not have completed the transaction. I contacted Chase customer service and the retention team. Retention confirmed the loss but stated they could not offer any remedy. They documented that the transfer was done online and that no disclosure was provided at the time of transfer. You can see on the screenshot attached the amounts and XXXX note, but that note was NOT clear prior to making the transfer. I am requesting a goodwill adjustment or statement credit equivalent to the lost value due to lack of disclosure and customer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I saw this account on my XXXX XXXX account as an old account. I called the account and to see what it was, and they advised me that its a XXXX XXXX XXXX I never been with that bank before, and the address that they had was not matching any of my old addresses as well so thats why I knew this account was fraud. I never lived at that address.

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 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am submitting this complaint regarding LVNV FUNDING LLC. ( XXXX ), who is attempting to collect an alleged debt with the amount claimed being {$1600.00} or any other amount they assert. The debt has not been properly validated, and I dispute their attempt to collect this debt. LVNVFUNDING LLC has failed to provide any documentation to substantiate the alleged debt, and their collection activities are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.I have not received any information verifying the debts validity, including the address of original creditor, and proof of their legal authority to collect on this alleged debt. I request the following actions from the CFPB : Investigate LVNV FUNDING LLC for their failure to provide validation of the debt as required under 15 U.S.C. 1692g of the FDCPA ; ensure that LVNV FUNDING LLC ceases all collection activities on this alleged debt, including reporting it to credit bureaus, until they provide proper validation documentation ; demand that any reference to this debt, be removed due to the lack of verification and substantiation ; and take corrective action to ensure LVNV FUNDING LLC complies with their legal obligations under the FDCPA and 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information is reported on consumer credit files. It is my belief that LVNV FUNDING LLC is violating my rights by attempting to collect a debt without proper validation, which has caused harm to my credit report and financial well-being. I ask the CFPB to ensure that LVNV FUNDING LLC. adheres to the law and removes any and all references to this alleged debt from my credit file. Furthermore, I request that LVNV FUNDING LLC cease all collection activities on this alleged debt unless they provide the necessary validation as required by federal law. Thank you for your attention to this matter. I trust that the CFPB will assist in investigating this issue and help ensure my rights as a consumer are protected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding Bank of America 's handling of fraudulent ACH debit transactions and charges, and failure to comply with Regulation E. I dispute fraudulent transactions that posted to my checking account prior to its closure : {$2000.00} on XX/XX/year> - XX/XX/year> ( Claim # XXXX ) and {$350.00} on XX/XX/year> XXXX ( Claim # XXXX ) from XXXX - XXXX XXXX. These transactions were not authorized. I am a victim of identity theft and can provide supporting documentation. See attached. Bank of America denied my fraud claim without providing a case number, written confirmation, or proper investigation, and refused to clarify reimbursement procedures. After I filed a fraud claim, Bank of America closed my checking account in retaliation and withheld my funds, refusing to release my money. They are engaged in discriminatory and retaliatory practices, and Im having difficulty retrieving my funds. I request that the bank immediately reopen and investigate this Regulation E claim and issue reimbursement for the unauthorized transactions. Please confirm in writing once this matter is resolved.

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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc

Complaint narrative:
I am a Chime customer currently locked out of my account. Biometric verification failed, and ID/selfie verification repeatedly returns an error. I no longer have access to my original US phone number, and I am currently outside the United States. I have contacted Chime support multiple times ( over 2 hours ) but was told they can not assist without access to the original number. This has left me unable to access my funds or manage debit orders. I am requesting manual identity verification and restoration of account access, or assistance updating my contact details or transferring funds from my savings to my checking account in order for my scheduled debit orders to be successfully processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: CA

Complaint narrative:
This is the 2nd time this company has done this to me. They have force placed lender insurance on my mortgage when they have my evidence of insurance on file. We went through the same thing in XXXX with them. I kept on sending them my evidence of insurance from XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) and they kept on rejecting it until I got the CFPB involved. See prior complaint ID : XXXX The last policy we sent them was from XXXX. It was that same policy that cleared up the forced place insurance issue last time around. Now after only a few months, they are claiming that they don't have my insurance and have force placed a new lender policy with a high cost of {$5500.00}. Hold them accountable as they keep on doing this to me and I am sure others. I feel like they are trying to discriminate against me and are attempting to drive up my mortgage payments to foreclose on my property. A copy of my current, active and enforce policy with XXXX is attached and the annual premium is {$1100.00} vs the {$5500.00}. I am retired and have limited means. They are trying to steal my home. I am attaching a copy of the following : 1. MY CURRENT XXXX Policy with an effective date through XX/XX/XXXX 2. The letter from Selene stating they are going to force place insurance again. 3. Copy of the insurance they purchased that needs to be canceled and fully refunded as it is an UNEARNED Premium.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
On Thursday, XX/XX/year> I recieved a new Citi XXXX XXXX credit card. I was going to use this to replace a XXXX XXXX card that I have had for a long time. I put the card on my XXXX to use XXXX XXXX. I used the card for a few days with no issue. Then on Sunday, XX/XX/year> I tried to use my card with XXXX XXXX to make a charitable donation to the XXXX XXXX XXXX of over {$500.00} and it was declined. I appreciated the fraud control and called Citi on Sunday. Verified it was a legitimate purchase and was told to try again. I tried again with XXXX XXXX and it was again denied. At this point I just used my physical card and typed the number. This was frustrating as I set the card up through the Citi app. The next day, my wife tried to use the card at the XXXX XXXX and was denied. When I called again, I was told my card was on hold for review and that I wouldnt be able to use until I receive a letter in the mail that contains a code that I need to call back in with. While I can appreciate fraud controls to protect both Citi and myself, this seems to be overdone. I will likely close my account, and would have already, but was told I cant close the account until I have that letter!! Its unfortunate as I was looking forward to their rewards, but this is not worth the hassle. Ive been on the phone with Citi more in one week than I was with XXXX XXXX in the last 10 years.

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 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: RI

Complaint narrative:
I requested a debt validation and the original signed contract to Jefferson Capital Systems LLC, regarding the account # XXXX for the amount of {$410.00}, XX/XX/XXXX in a certified mail. They received the letter on XX/XX/XXXX and XX/XX/XXXX I received an email with only a bill as information provided. This debt hasn't been validated or verified by the agency and since they failed to provide the information requested, I would like this agency to remove this account from my credit report as soon as possible. I also reached out by phone in XXXX prior to sending the letter and the agent stated that they no longer have this debt and that XXXX was responsible to collect it, I also reached out to this agency and they also failed to provide a clear explanation stating that they don't have/or work with this account, meaning this debt it is in a limbo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I sent a XXXX payment for a XXXX boat entry of {$1500.00}. The name and email of the recipient are correct. I did not have or enter a mobile number. The email is identical to the non-profit organization of the party I'm trying to pay. The recipient tells me that their XXXX tag is their email address, XXXX, I have XXXX entered as the tag, not sure if I entered that or if it was listed as the tag, can't remember. They hadn't received the money so I called my bank and established a Claim # XXXX. The email from Chase on XX/XX/XXXX said " Here 's what you can expect : We will place a temporary credit on your account while we research your claim. You can expect to see this credit within 10 business days, unless our research has already been completed at that time. '' I waited 10 business days and didn't see any credit to my account or any communication from them so I called them today, XX/XX/XXXX. They told me they researched it and contacted XXXX and that it was my error and I will not receive my money back. So here I am, hoping you can help. I trusted that Chase would have a safe method to transfer funds to a non-profit whom I've worked with several years ago and my money has gone to somebody who does not deserve it. I appreciate your help.

Company response to consumer: Closed with explanation