vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year>, multiple unauthorized ATM withdrawals totaling approximately {$3000.00} were made from my Chime account using an incorrect PIN. I did not authorize these transactions and received no benefit from them. 
On the same day, I received fraud alert notifications from Chime and explicitly declined the transactions. I immediately reported the unauthorized activity through the Chime app, opened disputes ( including Dispute # XXXX and # XXXX ), and uploaded supporting documentation. 
At the time of the withdrawals, I was physically at work and unable to leave, which is supported by time-stamped work records and live location data. Despite timely notice and evidence, Chime restricted my account and later issued a notice scheduling my account for closure instead of resolving the active fraud disputes. 
Due to the account restriction, I was unable to pay essential bills and work-related expenses, causing financial hardship and putting me significantly behind on obligations. 
I believe Chime failed to properly comply with its obligations under the Electronic Fund Transfer Act and Regulation E, including timely investigation, provisional credit, and fair handling of an unauthorized electronic fund transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood Financial LLC Producto o servicio Checking / Savings Account ( Unauthorized withdrawals ) Problema principal Unauthorized withdrawals/ Unable to stop charges / Account closure issue I am filing this complaint against Robinhood Financial LLC due to repeated UNAUTHORIZED withdrawals from my bank account.

I canceled Robinhood Gold, removed my linked bank account, and requested closure of my Robinhood account.

Despite taking all these steps and contacting my bank to block Robinhood, the company continues withdrawing money using multiple merchant names.

These charges were not authorized by me.

Robinhood has made it impossible to stop the withdrawals, causing financial harm and distress.

I am requesting : 1 ) A FULL REFUND of all unauthorized charges 2 ) Immediate and permanent closure of my Robinhood account 3 ) Written confirmation that all billing access and bank authorizations have been completely removed I have attempted to resolve this directly with Robinhood without success.

If this issue is not resolved, I am requesting CFPB intervention. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
Someone opened a XXXX account in my name. This is not my debt, they can not provide any documentation from me proving it is. They send partial validation but are unable to provide multiple items. They insist their invoice is debt validation but it is missing key items and is incomplete. They continue to call and harass. They have not responded to my in writing request for debt validation at all. When questioned why they haven't responded to my email, they said they needed to send me a code, which is nonsense- the original instruction was to send a debt validation request to XXXX, nothing more and nothing less. They are playing games at this point and are harassing. The only item they've been able to provide as proof of debt is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX Services came to my home on XX/XX/XXXX for a service appointment. And they sold me a contract for future service in the amount {$450.00}. I called them and cancelled the service agreement and they informed i will get the full refund of {$450.00}. But i also put a dispute on my card and XXXX XXXX XXXX refunded only {$210.00} on XX/XX/XXXX. But they agreed to refund the full amount i called twice including today and was informed that i was supposed to get the refund. But Citi closed this saying customer is responsible. Citi should be following up on this to get my money

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 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I had a home mortgage. The home was sold and its been 2 months and they have not refunded my escrow balance. They ignore my calls and no one offers any assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year> the XXXX XXXXXXXX XXXX XXXX  refused to put my deposit back on account. I disputed it with the bank chime and they refused to even properly investigate because they never gave me any reason for denying. So they denied without proper investigation, in violation of due process clause of the US constitution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I made a deposit to my brokerage account at Robinhood using my debit card linked to my bank account. The transaction was completed instantly. I did not place any trades on the Robinhood platform.

A few days later, when I attempted to withdraw my funds, I received the following message : Your accounts are restricted until we finish our review. I provided all documents requested by Robinhood, including bank and debit card statements to verify ownership of my bank account. However, instead of resolving the issue, Robinhood repeatedly extended the review deadline.

I have been unable to resolve this matter through Robinhoods customer service because there is no effective option to communicate with them regarding this specific case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
My XXXX XXXX credit card issued by Synchrony Bank was closed on XX/XX/XXXX, which resulted in loss of access to my account and the inability to make a payment. 
A payment was due on XX/XX/XXXX, but account access was unavailable until I received the replacement card on XX/XX/XXXX. 
Due to this access interruption, {$75.00} in interest was charged. 
I contacted Synchrony/XXXX  XXXX XXXX XXXX to request a courtesy reversal of the interest. The issue was reviewed and documented, but the request was denied by frontline support ( Reference # XXXX ). 
I have since paid the full statement balance. 
I am requesting reversal of the interest charge and confirmation that no residual interest will accrue.

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 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Beginning in XX/XX/XXXX, I filed approximately XXXX billing disputes with American Express related to charges from a single merchant ( a mobile game developer ). The disputes were filed properly and in good faith after issues arose regarding the service provided. 

American Express initially credited some disputes, including several smaller transactions and several larger transactions ( for example, a {$490.00} charge that was credited as a result of our investigation ). However, a substantial number of disputestotaling approximately {$58000.00} $ XXXXwere denied. 

After the disputes were initiated, the merchant removed or materially restricted my access to the service, preventing meaningful use of the digital goods unless the disputed amounts were repaid. I have not had access to the product since XX/XX/XXXX. 

In XX/XX/XXXX, I submitted updated escalation materials to American Express documenting this loss of access as new material information and requested supervisory or manual review. Despite this, many disputes were denied again using generic language such as after reviewing the information provided, the charge is valid, without addressing the loss of access or explaining how the new evidence was evaluated. 

On XX/XX/XXXX, while disputes were still pending and under review, American Express sent a message stating that it was monitoring the frequency of my disputes and warning that continued dispute activity could result in permanent account cancellation if American Express determined that disputes were not being exercised in good faith. 

Identical disputes involving the same merchant, timeframe, dispute reason ( goods not as described ), and documentation were treated inconsistentlysome were reviewed and credited, while many others were denied without explanation. 

I made extensive efforts to resolve this directly with American Express, including multiple dispute submissions, reopenings, escalations, and submission of additional documentation. Despite these efforts, many disputes were denied again without meaningful explanation or acknowledgment of the new information. 

I am requesting that American Express conduct a proper manual review of the remaining denied disputes, explain how the evidence was evaluated, correct any procedural or categorization errors, and issue appropriate credits where services were not rendered or access was improperly restricted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OH

Complaint narrative:
I use Square to process card payments for my business XXXX XXXX. 

On recent transactions, customer payments were successfully captured, but Square is preventing me from transferring or accessing my funds. The app shows system errors when I attempt to withdraw the money.

I contacted Square support by phone to request : The reason my transfers are restricted The exact release date of my funds Escalation to Payments Risk / Account Services The representative refused to provide their name or employee ID, refused to escalate the issue, placed me on repeated holds, and then disconnected the call without resolution.

Square continues to accept and capture new customer payments while blocking my access to the revenue already collected. This is causing immediate financial harm and preventing me from operating my business.

I am requesting : 1. Immediate release of my funds 2. Written explanation for the restriction 3. Direct contact from the appropriate account review team 4. Assurance that payments will not be captured if transfers remain blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CarMax, Inc.
State: GA

Complaint narrative:
CARMAX AUTO FAN XX/XX/year> CARMAX AUTO FAN XX/XX/year> Collection Agency Pursuing to consumer law 15 USC 1692 E ) ( 15 USC 1692 J They Are Not My Original debtor and I Do Not have a signed agreement with them.

DELETE LATE PAYMENT 15 U.S. CODE 1666 ( b ) DELETE COLLECTIONS 15 U.S. CODE 1692 ( g ) DELETE CHARGE OFFS 15 U.S. CODE 1681 ( c ) 2 / 1681e ( b ) DELETE REPOS 15 U.S CODE 1681 ( s ) 15 USC 1681- FCRA 15 USC 1692 - FDCPA 15 USC 1601- TILA 15 USC 1691- ECOA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I was supposed to get paid {$340.00} on XX/XX/XXXX, via direct deposit, but the money was never sent into my account. I reached out to XXXX and they told me that I have to call Cash App to get a refund so XXXX can put the money on the right account. The first time I called Cash app They didnt know how to resolve my issue and hung up on me. So I called you and they told me that they dont do any refunds and that theres nothing that they can do but I was told that the money needs to get refunded from Cash app before I can get it. My boss has reached out to payroll to see if we can cancel the money and give me a manual check but we have no luck so far. Please help me get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, the phone representative and their manager brushed me off that it really depends on a lot of factors and they cant tell me as the system has a formula it will use when the need for overdraft applies! 
Well, obviously but my question if there are guidelines for eligibility so I can know what to expect and he representatives could not furnish this information to help me understand this.

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 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have a {$1500.00} credit for a service I ended up using. The company credited my account and I got A notification from my bank that it was received but they are processing my transactions first causing over draft fees and putting a hold on my credit. I spoke to XXXX personally at XXXX XXXX XXXX. I asked her to credit my account and she said it will take 3 days. I have screen shot of the notification from my bank saying it was received.

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 2026-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
So a website called XXXX was on my secondary phone and I lost that phone in XX/XX/XXXXXXXX XXXX XXXX XXXX I was later able to finally track it down by my job with a homeless guy who later claimed he was trying to get in touch with me to give phone back this was on the XXXX of XXXX I then went to go pay rent of course since rent due and realized over XXXX $ was used on a website I used which is real prize but I never did these charges or give any permission to use these charges my bank and th merchant is still blaming me for the chargers real prize is saying unless I provide more proof then Im responsible for chargers and they bring up they policy that we are responsible for all chargers that go through our account. I provided a police report that my phone wasnt in my possession and a police report if unauthorized charges I dont know what more do I have to provide other then a sworn statement police report. I was told by the merchant that no arrests was made an no confirm thief or unauthorized card use and then my bank said its not enough as well to overturn they declined for my dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/year> duplicate charges were placed on my credit report. This has cause me to be denied by mortgage lenders, hindering me from buying a house which interferes with a place to stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.

Complaint narrative:
I am writing to add additional documents that may assist in the investigation of the fraud case reported under number XXXX, concerning Citibank, with report number XXXX. 
Please see the attached documents to verify that I have not visited or traveled to the United States since XXXX and therefore could not have used my Citibank debit card for any transactions or cash withdrawals at any branch.

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 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NY

Complaint narrative:
I recieved my first discover credit card in XXXX and never agreed to pay additional fees that were " optional. '' This entire time from XXXX through now, I've been charging a " payment protection plan '' that I thought was a normal charge and never consented or agreed to this. When I asked the credit card company to show me to proof of my consent they couldn't provide this. I don't have a specific amount because my records don't go back enough to show me the complete amount but it's over {$5000.00} in fees if not close to double that. When I did a little digging, it shows that discover credit card was sued for charging people these fees without consent during the exact timeframe I received my first credit card from them. I feel manipulated and cheated. I would have never ageeed to " optional additional fees '' being a XXXX  with little income now I'm close to XXXX in debt with them without even using the credit card, my balance increases every month because of both interest and the fees. The payment protection plan that was optional but I never consented to or understood it was optional is now as of XX/XX/XXXX is canceled on my account but I haven't recieved any money back or clear proof that I ever agreed to this. I'm hoping I can get a refund/my money back ideally starting from XXXX. I never agreed or consented to these fees nor was it ever explained. They can not currently provide proof of my consent to these fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
am filing a complaint regarding the repossession of my vehicle by Ally Financial. 

I was previously quoted approximately {$800.00} by an Ally representative to reinstate my loan. I relied on this information and was actively working on making that payment. I was never informed that reinstatement would be removed or that the amount would increase to {$2700.00}. 

After the repossession, I disputed the action based on misinformation and reliance on the quoted amount, but I was told the repossession stands. 

When attempting to escalate the issue, I was refused a supervisor, disconnected from calls, and treated disrespectfully. 

I am requesting : Review of the misinformation documented on my account Reinstatement reconsideration or reduction of repo and storage fees Written clarification of my options prior to auction I acted in good faith and am experiencing financial hardship. I respectfully request CFPB involvement and executive-level review to ensure proper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Company : Select Portfolio Servicing , Inc . 
Loan Number : XXXX Property : XXXX XXXX XXXX XXXX  IL XXXX Complaint Category : Mortgage Trouble making payments Loan modification / foreclosure concerns Complaint Narrative : I am submitting this complaint regarding Select Portfolio Servicings handling of my mortgage account and loss mitigation requests. 

I actively engaged SPS in XX/XX/year> to request repayment assistance and loss mitigation after financial disruption related to international travel and business realignment. Despite my engagement, SPS denied all retention options citing investor guidelines while explicitly stating that income was neither required nor considered in their evaluation. 

I believe this review was incomplete, procedurally unfair, and inconsistent with the spirit of federal mortgage servicing standards designed to avoid foreclosure when a borrower is actively seeking resolution. 

Additionally, I dispute the acceleration posture taken despite ongoing communication, and I request a full, itemized, and reconciled explanation of the cure amount demanded. 

I am requesting that SPS : Re-evaluate my account for all applicable loss mitigation options Pause foreclosure activity while this complaint is under review Provide a complete servicing and payment application history I am seeking a fair opportunity to resolve this matter and retain my home. 

The property is subject to a second mortgage held by XXXX XXXXXXXX XXXX Foreclosure by SPS would extinguish a junior lien and materially impact another federally regulated institution, increasing the need for careful review and avoidance of unnecessary foreclosure.

Company response to consumer: Closed with explanation