vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Chime Financial Inc
State: OK

Complaint narrative:
While I was XXXX  from XXXX to XXXX, an unknown individual fraudulently opened a Chime account using my identity without my knowledge or consent. 
In XXXX, multiple IRS Economic Impact Payments ( stimulus payments ), totaling approximately {$3800.00}, were deposited into this fraudulent Chime account. These funds were fully withdrawn through ATM withdrawals and Chime-to-Chime transfers while I was XXXX and unable to access or authorize any account activity. 
Upon my release in XXXX, I attempted to open a Chime account and discovered that an account had previously existed in my name and had received and spent my stimulus payments. I immediately disputed the fraudulent activity with Chime and provided documentation proving my XXXX  during the time the account was opened and the funds were withdrawn. 
Chime has acknowledged that the account was opened without my authorization but has not reimbursed the stolen funds. I am the victim of identity theft and unauthorized transactions involving government-issued payments. 
I have filed an IRS payment trace ( Form 3911 ) and am cooperating fully with all investigations. I am requesting that Chime fully investigate this matter, provide all documentation related to the fraudulent account and transactions, and reimburse the stolen funds or coordinate directly with the IRS to ensure I am made whole.

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 — Payment process
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
On XX/XX/year>, I attempted multiple times to make my required trial loan modification payment that was due that day. I attempted to pay through the online portal and by phone. 

When I logged into my account, I received a message stating that the account was not accessible online and that I must call to discuss the account status. When I called customer service, representatives informed me that my account was in litigation and that they could not accept payment or provide account information. 

I explained that I am in an active trial modification and needed to submit the required payment by the due date. Representatives told me I would need to contact their counsel but refused to provide the name or contact information for that counsel. I was told the information was in litigation documents, which I have not received. I have not been served with any foreclosure complaint, and no foreclosure case has been filed in court. 

I also requested that the matter be escalated to a supervisor or manager for further review. I was not transferred or provided escalation and was repeatedly told that the account was in litigation and that the matter could not be discussed. I was again instructed to contact their counsel but was not provided counsel contact information. 

Because I was prevented from making payment through the companys systems, I initiated payment through my banks bill pay service on XX/XX/year>. 

I am ready, willing, and able to make the required trial payment. I am seeking written clarification of my account status, confirmation that my trial modification remains active, identification of any foreclosure counsel assigned, and clear instructions on how to ensure my payment is properly credited without penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
They had put the charges double in collections for XXXX saying I owe it twice. They put it in collections twice the same amount. The agency is jeffcapsys on XX/XX/year> they put the collections twice into my account now saying I owe XXXX accounts with them for the same amount when I only owed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MN

Complaint narrative:
I opened this account on XX/XX/XXXX with {$130000.00} and I noticed that on a lot of the statements that theres a lot of transactions that do not belong to me like XXXX XXXX XXXX and a request to talk to fraud prevention. They couldnt talk to me because my account was closed already. They try all the time I will call. They will tell me that the account was closed already, and there was nothing that they could help me with. I talked to supervisors I talked to customer service I talked to everybody but they always hang up on me. They closed my account because I started asking what happened to my money. They close my account on XX/XX/XXXX and to this day I still havent received my funds. The ones they were left on the savings account. I received the checking but I never received my savings check with there was supposedly on that account more than XXXX when they close my account US bank is the one to blame for all this thats going on in my life. I am going through a repoll, I am going through evictions. My credit went down the drain cause I wasnt able to pay for my stuff for the reason that theyre detaining a check that doesnt belong to them and all the time I ask questions I go in there. They dont wan na help me fix the problem. I dont know what to do no more its been like over XXXX months and they still havent been able to send me another check. They just had me going back in fourth and they never solve the problem for me. They always tell me to come back and then in a week or two and I always do and to this day I still havent received my check.

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 — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I am writing to demand immediate resolution of ongoing, unauthorized changes to my J.C. Penney credit card account and reversal of improper fees and charges.

I reported that my contact information had been changed without my authorization. As a result I lost access to my online account. Prior to the unauthorized change, I had uninterrupted access to my online account and used email for multifactor authentication. The unauthorized change now includes an altered email on file, blocking my MFA and access. The inadequate response from customer service and lack of action by executive staff have failed to resolve the issue and do not inspire confidence in the company 's ability to secure my account. I never requested paper statements, yet I have been charged recurring paper-statement fees. I was told those fees would be be reversed and waived while I did not have access to the online account. I do not have access but the fees and resulting interest and late charges have continued to accumulate. I should not be held liable for any paper-statement fees, interest, or late fees resulting from unauthorized account changes, especially when there has been no attempt by the company to address or resolve access issues and changes that I did not initiate.

I changed my email address on my account. I do not have, and have never had, a phone number associated with this account. I do not make or receive telephone calls and I do not use TTY or other phone-based assistive devices. Despite this, when I try to gain access to the online account I encounter the same barrier. I find the email address has been changed again and one or more phone numbers have been addedphone numbers to which I have no access and did not authorize. These changes continue to prevent me from completing multi-factor authentication and regaining access to the online account management. 

J.C. Penney had advised me to file a fraud complaint ; I did so. The fraud investigation delivered negative results and unauthorized changes in the email address and phone number are still at issue. Basically my email was changed and the unauthorized phone numbers still appeared thus my access remains blocked. I do not have, and can not use, the phone numbers listed. I see now that there are still troubling fees & interest and no accounting for payments made to the account.

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: 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: NC

Complaint narrative:
Duplicate charge on my Citiback Card XX/XX/year>. Made a putchase for a gift on XXXX for a XXXX annual subscription whicj I have done for many years for a family member. XXXX reps are giving me the runaround saying the refund has been issued and Citibank is reporting they havent heard from the merchant. The amount is for {$140.00}. I reported to XXXX XXXX hours after making the purchase that there is a duplicate charge. They said that it would be removed. When I received my Citiback statement 30 days later in was not removed and I was charged twice. There is an open dispute with Citibank. I have not received any comment from Citiback other than they havent heard back from the merchant ( 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 monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Citibank is reporting my checking account to XXXXs as Account Abuse in the amount of {$700.00} ( account closed XX/XX/year> ). 

I disputed this reporting directly with XXXX and with Citibank. Citibank has now verified the information to XXXX without conducting a reasonable investigation or addressing my dispute that I did not receive proper notice prior to this account being reported. 

ChexSystems relies entirely on the furnishers verification and has therefore continued reporting this information based solely on XXXX response. XXXX verification did not resolve the dispute and did not address the subjective account abuse classification. 

Citibank has failed to comply with its obligations under the Fair Credit Reporting Act to conduct a reasonable investigation and ensure accurate reporting. This continued reporting is causing ongoing harm by preventing me from opening basic deposit accounts. 

I am requesting CFPB assistance to require Citibank to properly investigate this matter and remove XXXX  reporting.

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 — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have XXXX XXXX credit card, couple month ago I didnt receive statement and I paid late couple days, I called and explained for them many times but I still charged me {$30.00}, I havent paid for nothing I never used, so they keep calling me about the bill over a XXXX right now!!! How rule they are

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: GA

Complaint narrative:
XXXX sent me a XXXX Mortgage XXXX XXXX with the wrong lender on it. The borrowers should be XXXX XXXX XXXX ( now XXXX ) and XXXX XXXX XXXX. In place of my wife, it has XXXX XXXX XXXX on the form, and we don't know who this person is- but to our knowledge, she's not even a prior resident at our home address. I tried calling XXXX twice at the start of the business day, but their automation refers me to XXXX & XXXX who is the current loan servicer. I also waited patiently for XXXX minutes a second time without a callback or any customer support answering my call. I need to have this XXXX form corrected and make sure the loan is documented for me and my wife. XXXX XXXX and XXXX XXXX were the lenders when we were with XXXX. 

It looks on the form ( see attached ) like it was revised XX/XX/year>? How this happened, we don't quite understand but would love some clarification and a fix from the bank. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: MI

Complaint narrative:
Dear XXXX XXXX XXXX Team, I am writing in response to your recent correspondence stating that my loan servicing has transferred to MOHELA and that my concerns should be directed to them.

This response does not address the substance of my complaint. 

My dispute concerns XXXX actions while Navient was the servicer and owner of my private student loan, including but not limited to interest capitalization, payment allocation, fees charged, reporting inaccuracies, and the total amount I have been required to pay over the life of the loan. These actions occurred prior to the transfer of servicing and are solely within XXXX control and responsibility. 

MOHELA did not originate this loan, did not service it during the period in question, and did not receive the payments that resulted in more than {$25000.00} paid on an original principal of {$13000.00}. As such, MOHELA can not investigate, explain, or rectify XXXX historical servicing practices. 

A transfer of servicing does not absolve Navient of responsibility for its prior conduct. I am formally requesting that Navient : Provide a full accounting of my loan history during Navients servicing period Address the specific issues raised in my complaint Explain how it is equitable or lawful for this loan to have persisted for over a decade with the results described If Navient is unwilling to substantively address this matter, please consider this notice that I will escalate the complaint to the Consumer Financial Protection Bureau, the State Attorney General, and any other appropriate regulatory authorities. 

I expect a written response that directly addresses XXXX actions, not a referral to the current servicer.

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 — Transaction was not authorized
Company: Chime Financial Inc
State: WA

Complaint narrative:
I am filing this formal complaint against the above-mentioned financial institution for wrongful denial of my dispute involving an unauthorized transaction. 

On XX/XX/XXXX, an amount of {$770.00} was debited from my account without my authorization. I did not approve, recognize, or benefit from this transaction. Upon noticing the unauthorized charge, I immediately filed a dispute in good faith and complied with all requested procedures. 

Despite providing timely notice and fully cooperating, my dispute was denied on XX/XX/XXXX, without any valid explanation, evidence, or documentation proving that the transaction was authorized by me. 

Legal Violations This denial appears to be a violation of : The Electronic Fund Transfer Act ( EFTA ), Regulation E Consumer protection obligations requiring financial institutions to : Conduct a reasonable investigation Provide written explanation and evidence Protect consumers from unauthorized electronic fund transfers The bank failed to demonstrate that : I authorized this transaction My credentials were used with my consent Proper investigation standards were followed A generic denial without proof does not meet legal requirements under federal consumer protection laws. 

Harm Caused Significant financial loss of {$770.00} Emotional distress and hardship Loss of trust in the institutions fraud protection system

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
2026 To Whom It May Concern, This letter serves as formal notice that you must immediately cease and desist from any and all actions that involve the publication, distribution, or promotion of false, defamatory, harassing, or otherwise harmful statements or content concerning me and/or my business on social media or any other platform. 

Your actions, including but not limited to, are unlawful and have caused reputational and personal harm. 

You are hereby directed to : XXXX. Immediately stop posting, sharing, or engaging in any such content. 
XXXX. Remove any existing posts, comments, images, or messages referencing me that are false, misleading, or harassing. 
XXXX. Refrain from any further contact or communication with me, directly or indirectly. 

Failure to comply with this demand may result in further action, including but not limited to reporting your conduct to the relevant platform ( s ) and pursuing legal remedies available under applicable law, without further notice. 

This letter is sent without prejudice to my rights and claims, all of which are expressly reserved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account, XXXX Jefferson capital systems. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notifications, please provide certified mail with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: FL

Complaint narrative:
I am filing a complaint regarding an unauthorized electronic transfer from my Cash App account in the amount of {$4700.00}. 

On or about XXXX, XXXX  my bank/Cash App account was compromised and accessed without my authorization. Following this account takeover, an unauthorized transfer of {$4700.00} was made from my account. I did not authorize this transaction, did not initiate it, and did not have control of my account at the time it occurred. 

I reported the unauthorized transaction to Cash App promptly on [ insert report date ]. As of today, more than 10 business days have passed, and Cash App has not issued provisional credit, nor have they completed their investigation.

Under Regulation E ( 12 CFR 1005 ), financial institutions are required to either complete an investigation within 10 business days or provide provisional credit for unauthorized electronic fund transfers while the investigation continues. Cash App has failed to do either.

This transaction resulted from unauthorized access and account compromise, not a voluntary or authorized payment. Any indication that the transaction was authorized is incorrect, as authorization obtained through account takeover does not constitute customer authorization under Regulation E.

I am requesting that Cash App : Immediately issue provisional credit for the unauthorized {$4700.00} transfer, and Conduct a proper Regulation E investigation and provide a written explanation of the findings.

I have suffered financial harm due to this delay and am requesting the CFPBs assistance in ensuring compliance with federal consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding the improper termination of my trial modification and the rapid progression to a foreclosure sale date despite my good-faith efforts to comply. 
When my trial plan first began, I contacted the servicer and was misinformed by a representative regarding my payment requirements and timing. I relied on that information, and I was later penalized for it. I understand these calls are recorded. 
During a later trial payment period, I had funds available to make the payment, but I experienced a temporary loss of access to my phone and bank account due to a broken phone and two-factor authentication security requirements. This prevented access for approximately five days. This was not a refusal to pay.

I contacted the servicer immediately once access was restored. I was informed that my trial plan had been terminated, no meaningful appeal was offered, and a foreclosure sale date was set. I also did not receive the written termination notice before being advised of the sale date.

I was already in active foreclosure at the time and believe the servicer failed to exercise reasonable diligence or consider a temporary communication and access hardship. I am requesting a full loss-mitigation re-review or reinstatement of my modification and a pause on foreclosure activity while the review is conducted. Im just asking to please reconsider having a stable place for my little ones is very important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX To Whom It May Concern, This letter serves as formal notice that you must immediately cease and desist from any and all actions that involve the publication, distribution, or promotion of false, defamatory, harassing, or otherwise harmful statements or content concerning me and/or my business on social media or any other platform.

Your actions, including but not limited to, are unlawful and have caused reputational and personal harm.

You are hereby directed to : 1. Immediately stop posting, sharing, or engaging in any such content.

2. Remove any existing posts, comments, images, or messages referencing me that are false, misleading, or harassing.

3. Refrain from any further contact or communication with me, directly or indirectly. 

Failure to comply with this demand may result in further action, including but not limited to reporting your conduct to the relevant platform ( s ) and pursuing legal remedies available under applicable law, without further notice.

This letter is sent without prejudice to my rights and claims, all of which are expressly reserved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation