vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WI

Complaint narrative:
I am filing a formal complaint against Chime regarding their refusal to properly investigate and resolve disputed transactions tied to my account. I disputed five transactions from XXXX XXXX XXXX, each in the amount of {$550.00}, totaling {$2700.00}. These transactions occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These charges are directly related to a vehicle that is currently included in my active XXXX XXXX bankruptcy case. In addition, this vehicle has ongoing mechanical failures and qualifies as a lemon. I do not believe I should have been charged for this vehicle under these circumstances. Despite this, Chime allowed these transactions to process and then denied my dispute not once, but twice, without providing any proof of authorization, documentation from the merchant, or evidence of a reasonable investigation. This is unacceptable. Under Regulation E ( Electronic Fund Transfer Act ), I am entitled to a proper and thorough investigation of disputed transactions. Chime has failed to meet this obligation. Simply denying the dispute without documentation is not compliance. Furthermore, these charges occurred while the debt is under XXXX XXXX bankruptcy protection, which raises serious concerns about whether these withdrawals should have been allowed at all. I am making a final and formal demand for the following : 1. Immediate chargeback and refund of {$2700.00} 2. Full documentation showing how Chime determined these transactions were authorized 3. A detailed explanation of the investigation process used in denying my dispute 4. Confirmation that Chime is in compliance with Regulation E and applicable federal protections If this matter is not resolved, I will continue escalating through all available regulatory and legal channels, including my bankruptcy attorney. I expect prompt resolution. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I called Chase on XX/XX/year> at XXXX XXXX to speak to a credit card customer service representative. I spoke to him about what options I had in regard to an interest/fee waiver if I paid off my card in XXXX lump sum. I verified the amount of interest owed with him and he made it clear they would waive my interest as long as I paid it off in XXXX go and that all I had to do was call back after the payment posted in a few days. Following his information I made the payment and called back on XX/XX/year> at XXXX. The new representative told me that she could only waive the first interest charge of {$27.00} and that I had been given incorrect information previously. I then called back at XXXX on the same day and spoke to a supervisor who promptly told me the same thing, said they'd document it, and that was it. The charges spread across XX/XX/XXXX months and totaled {$150.00}. So in other words I was misled into making a financial decision I would not have had I been given different information to begin with and then left with no recourse or understanding from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
We are applying for a mortgage re-finance with XXXX XXXX. We had initially started the process with United Wholesale Mortgage, and had an appraisal done with that company. A request to XXXX to transfer the appraisal report was made on XX/XX/XXXX. XXXX has refused to transfer the report to XXXX because they claimed we have not paid for their appraisal. That it in not true. We paid by credit card on XX/XX/XXXX. I need this to be resolved immediately. The offer from XXXX on the reduced interest rate expires XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX I was notified of a collection on my report for XXXX mobile. I sent a certified letter disputing. I also contacted the collection agency on XX/XX/XXXX They told me it was for a mobile account opened in XXXX texas I stated I never lived in XXXX texas. They told me I would have to get a letter from XXXX. That is incorrect it is their responsibility to verify not me. After this I contacted XXXX. They stated it says right on that account it was fraud and should never have been placed on me for collections I then filed ftc fraud alert and fraud alerts on all credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding what I believe is a failure to properly honor the cancellation terms outlined in a training enrollment agreement. On XX/XX/XXXX, I enrolled in a program with XXXX XXXX XXXX and completed payment on the same day. According to the enrollment agreement, cancellation is permitted within XXXX days of signing and before course materials are sent. However, immediately upon enrollment and payment on XX/XX/XXXX, the merchant issued course materials the same day. This action eliminated any practical opportunity to exercise the contractual cancellation window as written. As a result, the condition requiring cancellation before materials are sent was not meaningfully available to be fulfilled at the time of enrollment. Although I later attempted to cancel and contacted the institution multiple times, including reaching out to the program XXXX, I did not receive any response. I formally requested cancellation on XX/XX/XXXX. I have never attended any course sessions and have not accessed any course materials. This can be verified by the merchants system logs, and I continue to receive automated messages indicating no course completion or access. To summarize : I enrolled and paid on XX/XX/XXXX Course materials were issued immediately the same day, eliminating the practical ability to satisfy the cancellation condition The cancellation policy required cancellation before materials were sent, but this condition was triggered immediately upon enrollment I attempted to contact the institution multiple times without response I formally requested cancellation on XX/XX/XXXX I have not accessed or used any course materials

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing a formal complaint with the Consumer Financial Protection Bureau regarding three credit card accounts that has been placed into collections, which I believe stems from misleading and deceptive advertising and marketing practices by the credit card company. At the time I applied for and opened these accounts, I relied on the representations made in the companys advertising and promotional materials. These materials led me to believe that the terms of the accounts- including interest rates, fees, and/or promotional offers would be more favorable and transparent than what I ultimately experienced. The disclosures provided were unclear, incomplete, or presented in a way that was misleading. As a result of these misrepresentations, I was not fully informed of the true cost and conditions of the accounts. This directly contributed to unexpected charges, increased balances, and financial hardship, ultimately leading to the account being placed in collections. I believe these actions may constitute violations of federal consumer protection laws, including the Truth in Lending Act ( TILA ), which requires clear and accurate disclosure of credit terms, as well as prohibitions against unfair, deceptive, or abusive acts or practices. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action. Specifically, I am seeking : A full review of the the credit card companies advertising and disclosure practices related to my accounts Verification of accuracy and legality of the charges and fees applied Removal of any negative reporting related to these accounts if it is found to be the result of misleading practices. Appropriate relief to address the financial harm caused. Thi situation has negatively impacted my credit profile and financial stability. I am requesting a fair resolution and accountability for the practices that led to this issue. Please keep me informed of the status of this complaint and provide written confirmation of any findings or actions taken. Credit Cards : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
It should be known that on or around XX/XX/XXXX and XX/XX/XXXX of XXXX my truck was broken into and my phone and wallet was stolen out of my truck by knocking out back window. Wallet contained all I.D . and debit /credit cards with S.S. card, Birth certificate and money. On or around XX/XX/XXXX it was discovered that several transactions were made on XX/XX/XXXX and XX/XX/XXXX that were not authorized by me and were done out of identity theft and or fraud. Said transactions were all done by withdrawals from ATM machines or withdrawals from my Chime account, then sent to my XXXX XXXX and finally sent to an individual named XXXX XXXX whom I dont know. On XX/XX/XXXX the said amounts were withdrawn from my chime account per atm and or sent to my XXXX XXXX then sent to another XXXX XXXX belonging to a XXXX XXXX. They are XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX, XXXX, and XXXX also were taken. XXXX XXXX Sheriffs office was notified by me and report made. A dispute was made with chime under claim XXXX due to fraud and identity theft and denied by chime. Chime says the transactions were good and denied my dispute. The individual named XXXX XXXX was arrested and confessed to stealing my phone and wallet and making the fraudulent transactions. He is being prosecuted. He is in jail. My transactions were not done by me or authorized by me. Said transactions were done out of theft, identity theft, and fraud. My money should be returned by chime since I didnt do transactions and guilty party is in jail. Come denied my dispute next day after I filed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I am filing a complaint against Exeter Finance regarding an auto loan that resulted in repossession. My vehicle was repossessed and sold. Based on the available information, the vehicle was sold for an amount that should have satisfied or exceeded the total balance owed on the account at the time of sale. Despite this, Exeter Finance has continued to report and/or attempt to collect an alleged remaining balance. I have not been provided with a proper post-sale accounting that clearly explains how the sale proceeds were applied, including any itemized fees or charges. This raises concerns that Exeter Finance failed to properly apply the proceeds of the sale and may be inaccurately reporting a deficiency balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have been with Wells Fargo bank for about 30 years. I have been charged {$5.00} fee from my saving account since XX/XX/year> without my notice. The reason I was given was not satisfying at all. The minimum balance for the account which I don't use is XXXX. As you can see in the statement my balance was also under XXXX. I did not sign up or get a notification change of my regular saving account to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
Money order was stolen : I was promised my money back after completing required documents via Email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: FL

Complaint narrative:
I used XXXX to pay my utility bill to XXXX XXXX XXXX XXXX XXXX XXXX ) and made XXXX separate payments through their platform. Despite these payments, the funds were never sent to XXXX. XXXX confirmed that no payment was received, and as a result, my power was shut off. I was forced to pay the bill out of pocket directly to restore service. After this occurred, XXXX then stated that XXXX was not a supported biller, contradicting their earlier acceptance of my payments. I disputed the transactions with my bank, which provided documentation supporting my claim. Additionally, no funds were successfully delivered to XXXX. Despite this, my account was placed into collections with XXXX, and my credit score dropped significantly. I formally disputed this issue with both XXXX and the credit bureaus. After I filed disputes, XXXX changed my account status to current within their system without explanation. However, they did not correct or remove the associated collection account with XXXX, nor did they correct the inaccurate reporting on my credit report. Additionally, XXXX later claimed that the payment was completed, which directly contradicts both their earlier statement that XXXX was not supported and the fact that no funds were ever received by XXXX. XXXX has continued collection efforts and stated that I have not provided sufficient information, despite the documentation already submitted. This is inaccurate reporting and improper collection of a debt that is not valid. I have provided evidence, yet neither company has corrected the issue. I am requesting immediate removal of this account from my credit report, cessation of all collection activity, and written confirmation that this matter has been fully resolved. The continued reporting of inaccurate and contradictory information after dispute constitutes a violation of the Fair Credit Reporting Act and improper debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint regarding unauthorized access to my account with Venmo, which resulted in the theft of my funds and for which Venmo has failed to provide an adequate resolution. My account was accessed by multiple unauthorized devices across different states, a clear indicator of fraudulent activity and identity theft. Due to Venmos failure to detect and prevent this suspicious activity, I suffered a direct loss of funds on their platform, demonstrating inadequate security controls and monitoring protocols. Furthermore, Venmo has failed to provide a prompt or effective resolution after I reported the incident. I have contacted customer service multiple times, yet the responses have been delayed, insufficient, and lacking meaningful investigation or accountability. At no point has Venmo taken decisive action to restore my funds or resolve the issue in a timely manner. As a financial services provider, Venmo has a responsibility to implement reasonable safeguards to protect consumer accounts and to respond promptly and appropriately when fraud occurs. Their failure to detect highly unusual login activity and their lack of timely resolution after being notified constitute negligence in both security and customer protection. Due to this experience and the way this situation has been handled, I no longer feel safe as a consumer using this platform. I plan to close my account as a result of this disappointing experience and lack of trust in Venmos ability to protect my financial information. I am requesting that this matter be immediately investigated, that my stolen funds be fully reimbursed, and that Venmo be required to improve its fraud detection and response processes to prevent similar harm to other consumers. Thank you for your attention to this urgent matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AR

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
I am a public school teacher and qualified for Public Service Loan Forgiveness after making XXXX qualifying payments. However, I continued making payments beyond XXXX because although I told them I made payments they insisted I continue paying and am owed an overpayment refund of approximately {$6000.00}. MOHELA has acknowledged the refund but states it is pending Treasury verification. I have repeatedly contacted MOHELA and have been given no timeline, no explanation of what is being verified, and no estimated refund date.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
{$100.00}. Someone with the same name is me is able to use her ID and log into my account and sent herself {$100.00} and cashapp isnt doing anything about it to get my money back .. Case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
I am a cosigner on two private student loans with Sallie Mae. The combined balance on both loans is approximately {$24000.00}. The loans are approximately four months past due. On XXXX, I contacted Sallie Mae to discuss available repayment options and hardship programs on both accounts. The representative told me they could not discuss any options or take any action on the accounts unless I provided my current employer information. I declined to provide this information. The representative confirmed that without employer information, they would not discuss any repayment programs, hardship options, or any other account resolution. I believe there is no legitimate servicing requirement that conditions access to repayment options on providing employer information. Employer information is not necessary to discuss payment arrangements or hardship programs. I believe this is a misrepresentation of my rights and obligations as a cosigner and a failure to provide required information about available repayment options. Sallie Mae is currently reporting both loans as delinquent each month, resulting in two negative marks per month on my credit report. I have attempted in good faith to resolve this situation and was denied any assistance due to my refusal to provide employer information, which I have a legitimate reason to protect.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation