vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: PA

Complaint narrative:
CHIME DENIAL OF FRAUD DISPUTE - PAY ANYONE SCAM ( {$590.00} ) TRANSACTION DETAILS : Date : XX/XX/XXXX Amount : {$590.00} ( {$580.00} + {$1.00} test payment ) Method : Chime Pay Anyone Recipient : XXXX XXXX ( $ XXXX XXXX XXXX : Commercial goods purchase from fraudulent XXXX seller FRAUD SUMMARY XXXX I was defrauded by Alibaba-verified seller " XXXX XXXX XXXX '' ( Supplier ID XXXX XXXX ) who directed me to pay via Chime Pay Anyone to avoid buyer protection . The seller : XXXX. Never delivered {$2000.00} worth of goods XXXX. Was " verified '' by XXXX despite being created XX/XX/XXXX ( brand new company ) XXXX. Used fake XXXX registration with XXXX phone number ( XXXX ) XXXX. Used XXXX  for " verified business '' ( XXXX ) XXXX. Sent FAKE CUSTOMS DOCUMENTS demanding additional {$1800.00} ( professional fake government invoices ) XXXX. Imposed 90-day " no contact '' threat to prevent dispute filing XXXX. Is now completely unreachable CHIME 'S RESPONSE : On XX/XX/XXXX, I spent over an hour on the phone with Chime ( XXXX ) disputing this fraud. Chime DENIED my claim, stating they " can not reverse Pay Anyone transfers '' and would only report and close the recipient account. 

This was XXXX, not a voluntary personal payment. The transaction was specifically directed by a fraudulent seller to exploit Chime 's lack of protection. 

REGULATORY VIOLATIONS : Chime 's blanket refusal to investigate Pay Anyone fraud : XXXX. Enables systematic scams targeting Chime users XXXX. Violates EFTA consumer protections for fraudulent transactions XXXX. Continues pattern of dispute failures previously sanctioned by CFPB The CFPB previously fined Chime {$4.00} XXXX ( XX/XX/XXXX, Case XXXX ) for failing to process consumer refunds and disputes properly. My case represents continued violation of those consent order requirements. 

EVIDENCE OF ORGANIZED FRAUD : - XXXX XXXX XXXX of fraudulent new company ( verification screenshot available ) - Professional fake customs documents with AI-generated images - Systematic communication designed to prevent disputes ( 90-day threat emails ) - Split payments across platforms to evade detection ( {$1500.00} XXXX  XXXX XXXX {$590.00} Chime ) XXXX Federal complaints filed with FBI XXXX and FTC XXXX ACTIONS TAKEN XXXX - FBI XXXX wire fraud complaint filed XXXX  FTC fraud report filed XXXX ReportFraud.ftc.gov XXXX CFPB complaint against XXXX XXXX filed ( XXXX ID : XXXX ) - XXXX corporate enforcement escalation submitted - XXXX police report ( pending ) TOTAL FRAUD LOSS : {$2000.00} ( Chime portion : {$590.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Company : Bank of America Also involved : Remitly Product : Money transfer / debit card Issue : Fraud / Scam Authorized Push Payment ( APP Fraud ) Complaint description : I am filing this complaint to formally dispute the incorrect handling and classification of a fraudulent transaction involving Bank of America and Remitly. 



On XX/XX/year>, a debit card transaction in the amount of {$4700.00} was sent through XXXX to an individual I do NOT know and had never heard of. I was pressured and manipulated into completing the transaction as part of a scam. I did not willingly authorize this payment in the normal course of business. 



After the transaction, I discovered that there were multiple transfers associated with different recipient names, none of whom I know or have any relationship with. This clearly indicates a scam involving coercion and deception. The total amount was transfered between transactions was originally {$11000.00} I was just refunded for {$1900.00}. 



Bank of America and Remitly incorrectly classified my dispute as No Cardholder Authorization / Card Absent Fraud ( Visa Reason Code 10.4 ) and denied the claim based solely on device, IP address, and AVS match. This classification is incorrect. 



This case meets the definition of Authorized Push Payment Fraud ( APP Fraud ), where the consumer is manipulated or coerced into initiating a payment to a scammer. Under CFPB guidance, such transactions require a different investigation than standard card fraud. 



I am requesting that Bank of America : Reopen and reclassify this dispute as Authorized Push Payment Fraud / Scam / Coercion Conduct a full investigation under scam-related fraud guidelines Review the unusual nature of the transaction, including the large amount, new recipients, and multiple recipient names Provide reimbursement for the fraudulent transaction I am a single parent and this loss has caused significant financial hardship. I am requesting CFPB assistance to ensure my claim is properly reviewed and handled in accordance with consumer protection laws.

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 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Over the past few years, Ive been paying attention to my bank account. Within the past two months, Ive had enough. I have screenshot evidence of my transactions that show proof that when making a transaction the money is pulled for my available balance. When I make a new deposit, whenever the transactions do clear I noticed that Money is being pulled again from the newly deposited balance.

Ive tried to explain to them that Im being charged twice for one transaction. Once when I initially make the transaction and then twice when it finally post to my account. 

If dollars in my account and I spent XXXX it will show that I have and available by within a {$500.00}. If I deposited another {$500.00} in my account, I should have {$1000.00}. But when that {$500.00} transaction clears its gon na pull from the {$500.00} that I just deposited which means Im being charged twice. They continue to tell me that it doesnt reflect on their end but I have screenshot evidence.

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 2026-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Dear CFPB Officer, I am submitting a new complaint regarding Barclays Bank due to the continuation of an unresolved issue that was the subject of a prior CFPB complaint, which was closed without resolution.

Despite Barclays response indicating closure, the restriction on my credit card remains in place. Since the closure of the prior complaint, Barclays has continued to request additional documentation on a rolling basis without clearly identifying any deficiency, deadline, or resolution criteria.

I have complied with all document requests multiple times over a period exceeding two months. Barclays has failed to provide a substantive explanation for the continued restriction, has not restored account access, and has not identified any regulatory or contractual basis for its actions. 

This constitutes ongoing harm, improper account servicing, and a failure to resolve a documented consumer complaint. I am therefore requesting CFPB intervention to require Barclays to either ( XXXX ) immediately remove the restriction, or ( XXXX ) provide a written, definitive justification supported by specific policy or regulatory requirements. 

I am also requesting appropriate compensation for the prolonged inconvenience, disruption, and administrative burden caused by Barclays failure to resolve this matter. 

Sincerely, 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 2026-01-03 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I make purchases through the popular online game platform XXXX XXXX XXXX. Every time I make a purchase on XXXX my card is locked and I have to verify my identity to unlock it. This only happens when I make purchases through XXXX and it happens every time I buy anything regardless of how often I shop there. I've asked for a way to not have my card locked when I make purchases there and they refused to even attempt to help me. I then asked for a way to file a complaint and they refused to take my complaint. I then asked if there was some outside or federal agency who I could file a complaint with and they then lied and told me there wasn't.

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 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I contacted TD bank about western union transactions being stolen from my account from somewhere in XXXX XXXX. The bank hasnt returned my funds yet. Its a total of {$4000.00}. Our government knows XXXX XXXX is a hub for fraud and romance schemes particularly XXXX and XXXX. Ive been on workers comp due to XXXX XXXX and I need my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Funds were taken from my Venmo balance twice on the same day due to identity impersonation fraud. 
Both transactions were sent to the same fraudulent XXXX XXXX name, which was not my legitimate XXXX XXXX account but used my name, causing confusion and deception. 
This indicates a pattern of fraud, not an accidental payment. 
I attempted to dispute through the Venmo app, but the assistant loops and does not allow submission. 
Email support states the inbox is not monitored, and chat support is unavailable. 
I am requesting fraud escalation, investigation of both transactions, and refund review. 

XXXXXXXX XXXX : XXXX XXXX I've uploaded a screenshot of my actual cash app that is legit mine and verified not one that took money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
account number XXXX date open XXXX XXXX this debit collector has no provid me proper debit validation for this allege debit. please delet this from my credit report I am submitting this complaint regarding CREDIT ACCEPTANCE CORPORATION for reporting inaccurate, incomplete, and unverified information to consumer reporting agencies, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The account in question is being reported as a repossession with a past-due balance, however the furnisher and the credit reporting agencies have failed to provide legally required verification and documentation to substantiate the accuracy, completeness, and legality of this tradeline.

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 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo told me I was not eligible for overdraft and there saying they gave it to me and I owe now on top of that everything I deposit my checks they hold them and and then I don't receive the whole amount on top of that they have other numbers on there website that are scamming customers for our identity information and money is gone and I've called and told them all they do is give me another card and don't replace what's gone they literally got me over the last year for XXXX and I have not seen no not a XXXX they haven't responded to my complaints I'm so devastated and I can't switch banks cus my client wants me at that bank

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 2026-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: AZ

Complaint narrative:
I am disputing a debt being collected by Hunter Warfield related to a former apartment lease in XXXX, Alabama. 

On XX/XX/year>, I sent Hunter Warfield a written Debt Validation Request pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The letter was sent by mail and included a request for full validation of the alleged debt. 

As of today, more than 30 days have passed and I have received no response, no validation documents, and no proof that the debt is legitimate. Despite this, the collection account remains active and may be reported to credit bureaus. 

Failure to validate the debt while continuing collection activity constitutes a violation of the FDCPA. I am requesting that this matter be investigated and that the collection account be removed unless proper validation is provided. 

I am attaching copies of my debt validation letter for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Consolidated Credit Solutions, Inc.
State: CA

Complaint narrative:
Consolidated credit solutions breached my bank account information under a small revised name after sending termination! Ill call my bank tomorrow and will press charges if needed. I have proof of termination and cant click links because my total doesnt exist anymore.

I see an error and document history has disappeared, hoe am I suppose to pay for groceries or bills the next XXXX days. Above of, my car battery died and stuck at my fianc house.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear Consumer Finance Fit Gov., The company Bank of America, for which I have been a member for XXXX years, has egregiously and wrongfully taken a fraudulent charge on my bank of America Credit Card and made me responsible for it! The Claim number is XXXX in the amount of {$3500.00}. I requested information from their research and it clearly shows a signature on FedEx that is clearly NOT MINE! I SENT THEM MY SIGNATURE ON ALL MY LATEST CHECKS AS IN FIR MY TAXES AS WELL AS THE SIGNATURE ON MY CREDIT CARD AND THERE IS CLEARLY TO MATCH! IN FACT THE FRAUDULENT SIGNER OF THE XXXX SLIP SPELLED MY NAME INCORRECTLY! BANK OF AMERICA TOOK THE FACT THAT IT WAS DELIVERED AND HELD ME RESPONSIBLE! I WANT THUS CHANGED NOW! I NEVER AUTHORIZED SUCH A CHARGE, NEVER RECEIVED THE MERCHANDISE THEY CLAIM I DID, AND DID NOT SIGN FIR THIS ITEM AS THE SIGNATURE THEY PROVIDE IS CLEARLY NOT MINE! THIS IS FRAUD AND XXXX XXXX XXXXXXXX IS IN ERROR! 
XXXX XXXX XXXX XXXX XXXX Summit, New Jersey 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 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC
State: NC

Complaint narrative:
I refinanced my auto loan through XXXX in XXXX. XXXX issued and Global Lending Services cashed a payoff check. Despite this, Global Lending Services failed to properly apply the payment, continued collection activity, and repeatedly provided inconsistent information regarding my balance.

I contacted Global Lending Services multiple times and received conflicting amounts allegedly owed, ranging from no balance to approximately {$900.00}, then approximately {$3000.00}. Representatives acknowledged their numbers did not add up and stated they would call me back, which did not occur. 

While the account was unresolved and disputed, and despite having cashed the payoff check, Global Lending Services repossessed my vehicle.

I believe this constitutes improper loan servicing, failure to accurately apply payments, continued collection activity on a disputed account, and wrongful repossession. I am requesting investigation, correction of the account, and appropriate relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
The company is a debt collector and not the original owner. The data ( amount, dates ) reporting is completely incorrect. The debt was sold to FCO for a lesser amount than stated on my credit report. I've requested that purchase agreement and FCO has not provided this information. 

I'm asking for CFPB to assist in getting FCO to provide this information.

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 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
My vehicle was repossessed by an agent of Santander consumer USA.I was explicitly told that I had until XX/XX/XXXX to redeem my vehicle. The repossession company, XXXX XXXX, moved my vehicle on XX/XX/XXXX, before the redemption deadline.I paid the full balance on XX/XX/XXXX, within the allowed redemption period.after payment, my vehicle was not returned.Neither Santander consumer USA or XXXX XXXX would disclose the location of my vehicle.I went to the towing company in person twice because I was told my vehicle was there.when I arrived, I was informed that the vehicle had already been moved to another location on XX/XX/XXXX, and they could not tell me where it was.I have been without my vehicle for approximately 10 days after paying in full.During this time, I increased transportation expense, lost income, and significant stress.In addition, my personal belongings from the vehicle were removed and returned to me only in trash bags. I was not given the opportunity to retrieve my belongings directly from the vehicle, and they were handled without proper care.Im requesting immediate disclosure of my vehicles location, immediately return of my vehicle, a waiver of all additional fees, and appropriate compensation for the loss of use of my vehicle and related damages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Westcreek Financial
State: CA

Complaint narrative:
On XX/XX/year>, I paid my Koalafi loan in full. At the time, my balance was {$1700.00}, which they reduced to {$1200.00}. The company told me the XXXX payment was part of the payoff. I explained that reducing the balance from {$1700.00} to {$1200.00} is a discount and should not have been applied as part of the payoff, because the proper payoff would have been {$1600.00}. I also explained the payment was meant for XX/XX/XXXX, not the final payoff, and cited Regulation E. I have a written payoff letter dated XX/XX/XXXX confirming the balance was paid in full, and an email confirming the account is closed. All of this was recorded with the company. They then threatened that if I reversed the payment, the loan would reopen. I am disputing the extra charge and request a refund and written confirmation that the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, Paypal deactivated my acccount ( XXXX ), holding {$350.00} until XX/XX/XXXX. This is the XXXX times they did this to me, when I have done nothing wrong. When I tried to contact them to ask why, only a bot answered me with absolutely no clear asnwers : " After reviewing your account, weve decided to permanently block it due to risk concerns. ". This is literally what it said. To me, they have no right to keep holding my money for months without my consent. This is a violation of my rights. Please help me do something about it. 

XXXX is my Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I am filing a complaint regarding Synchrony Banks handling of a deferred-interest promotional financing account associated with a Mattress Firm purchase. 

Synchrony applied a {$2600.00} retroactive interest charge to my account after the promotional period ended. My remaining balance at that time was approximately {$900.00}, which I would have paid in full had I received notice that the promotional period was about to expire. 

I received no emails, reminders, or warnings that the promotion was ending or that failure to pay by a specific date would result in retroactive interest being applied. Without notice, I was denied the opportunity to avoid this charge. 

Applying a charge nearly XXXX times the remaining balance without any notification is unreasonable and inconsistent with fair consumer billing practices. I am requesting that Synchrony remove or reverse the interest charge or otherwise provide a fair adjustment reflecting the absence of notice. 

I am seeking correction of the billing error and written confirmation of the resolution.

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