vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I initiated a full payoff payment before the promotional deadline of XX/XX/year>. On XX/XX/year>, I received a Paid in Full confirmation. On XX/XX/year>, I was notified that the payment was returned due to account not found. I was not notified of any issue before the deadline, which prevented me from correcting it in time. I immediately contacted the company and completed the payment in full. I also had a second account and initiated a separate payoff payment, which was returned with the same error, despite being from a different bank account. I experienced glitches on the XXXX website while entering payment information. I requested review and escalation and was told I would receive a supervisor callback within XXXX hours, but no follow-up occurred. The company applied approximately {$10000.00} in deferred interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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:
On XX/XX/year> at XXXX XXXX I was notified that I had been logged.out of all my devices as it pertained to Cash App. At XXXXXXXX XXXX I was informed that my phone number and email address were removed from my account and that a new XXXX XXXX near TX had been added along with a new phone number and email address. All of which I was unaware. Beginning at XXXX the person or persons began requesting multiple loans of {$330.00}, {$250.00}, {$330.00}, {$330.00}, and {$330.00} according to my bank. But according to CashApp there were multiple fraudulent transactions between XXXXXXXX XXXX XXXX XXXX XXXX When I became aware of the situation I contacted Cashapp customer service, my bank, and the local police department filing a report. I was told that there would be an investigation and I would have to wait XXXX business days, which i reluctantly did. And on XXXX day I was told it was my fault and I would not be getting any money back. I provided Cashapp with the actual text message that they sent me and when I requested proof that I personally requested to be logged out of all the devices and they informed me they didn't have that information. In all the hackers took out {$1900.00} worth of loans and Cashapp caused me to become negative {$1200.00} and are now trying to put the blame.on me instead of taking responsibility for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
b'FDCPA 1692e(1) + 1692e(2)(A) + 1692e(5) + WIRE FRAUD 18 USC XXXX XXXXXXXX XXXX XXXX XXXX XXXXalled from (855) 862-5100 for FIRST CONTACT. Representative falsely stated a "judgment" exists against me regarding alleged auto debt.\n\nA judgment is a court order issued by a judge. By claiming a judgment exists when none doeXXXX XXXX XXXXe impersonated judicial authority and misrepresented the legal status of the debt.\n\n05/06/26 XXXX XXXX XXXX searched MD Case Search. NO JUDGMENT EXISTS. Uploading screenshot proof.\n\nAdditional violations on same call:\n1. FDCPA 1692g: First contact, no 5-day validation notice sent\n2. FDCPA 1692c(c): Called 2x more afteXXXX XXXX XXXX XXXXM cease text\n3. FCRA 605(c): Still reporting DOFD 10/30/2019 with Date UpXXXX XXXX XXXXD Criminal Law 8-601: Fraud False pretenses to obtain money\n\nPrior XXXX XXXX XXXX XXXX XXXX XXXX. They retaliated with false judgment claim.\n\nEvidence uploaded: Call log + MD Case Search + Cease text + Prior CFPB.\n\nDemand: $21,000 statutory/punitive + deletion + DOJ criminal referral for wire fraud + MD AG prosecution.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: NY

Complaint narrative:
On XX/XX/year>, multiple unauthorized ATM withdrawals were made from my Chime account totaling {$640.00}. The withdrawals occurred within minutes of each other at approximately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I still had my physical debit card in my possession at the time of these transactions and did not authorize or perform any of the withdrawals. Earlier that same day, I attempted to rent a vehicle at XXXX XXXX, but the rental transaction was denied. During that interaction, my card information was verbally discussed during a phone call that was represented as being with the bank. Shortly afterward, the unauthorized ATM withdrawals occurred. I immediately contacted Chime and filed a fraud dispute on XXXX. The original dispute was denied without a detailed explanation just saying no billing error occurred. We called again to reopen and escalate the matter. The updated Chime dispute claim number is XXXX, and the dispute is currently listed as in progress. Today, XX/XX/year>, I also filed a police report regarding the unauthorized ATM withdrawals and obtained a Central Complaint number through the XXXX XXXX Police Department. Complaint number : XXXX I am requesting a full reinvestigation of these unauthorized ATM withdrawals and a detailed explanation regarding the original denial decision. I did not authorize these withdrawals, still have possession of my physical card, and reported the fraud promptly after discovering the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: RI

Complaint narrative:
The Problem : I am filing this complaint against Chime for a rejected mobile check deposit that contradicts their own written instructions and established account history. Chime has effectively rendered my check un-negotiable due to their restrictive endorsement requirements, while simultaneously refusing to honor the deposit. Timeline and Facts : XX/XX/2026 : I received written instructions from Chime ( via email ) explicitly stating that to successfully deposit certain checks, I needed to add a second signature/endorsement. Established History : Since receiving those instructions, I have successfully deposited XXXX ( XXXX ) checks of this exact type using that same endorsement method. Chime accepted all XXXX without issue. XX/XX/2026 : I attempted to deposit a check following the same instructions. Chime rejected the deposit, citing " XXXX names on the check. '' The " Trap '' : XXXX Chimes mandatory mobile deposit rules, I endorsed the check with " For mobile deposit to Chime only. '' Because Chime is now rejecting the check but it is permanently marked for Chime, I can not deposit it at any other financial institution. Attempted Resolution : I have contacted Chime via phone, in-app chat, and social media. The chat agent closed the session when I offered to provide proof of the XX/XX/XXXX email and my prior deposit history. Phone agents and social media specialists have refused to review my evidence, instead placing me in a repetitive loop of instructions to " call a XXXX '' who then offers no resolution. Desired Resolution : I am seeking the immediate acceptance and processing of this deposit {$990.00}. Alternatively, Chime must provide a formal " XXXX of XXXX '' so I can have the check re-issued by the sender, as their endorsement requirement has made the current check invalid for use elsewhere

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Following multiple fraud incidents, our office initiated a comprehensive internal review of vendor communications and payment procedures, with particular focus on requests to modify payment methods ( e.g., transitions from check or e-check to ACH ). During this review, we identified that on XX/XX/year>, an email was received from a vendor, XXXX XXXX XXXX, requesting a change in their method of payment from e-checks to ACH. At the time, the request appeared legitimate and was processed in accordance with standard internal procedures. Subsequently, a payment in the amount of {$78000.00} was issued in XX/XX/year> based on the updated ACH information. This transaction was later determined to be fraudulent on XX/XX/year>. In a separate instance, we received a similar request from another vendor, XXXX XXXX XXXX, to switch their payment method to ACH. Based on the information provided, two payments were processed under this request : {$93000.00} on XX/XX/year> {$44000.00} on XX/XX/year> These transactions were later identified as fraudulent on XX/XX/year>. Further investigation into these incidents revealed multiple irregularities. In one case, a discrepancy was identified in the senders email domain. Prior communications from the vendor had originated from a XXXX XXXX, whereas the payment change request was sent from a XXXXXXXX XXXX. This inconsistency raised concerns regarding the authenticity of the request. Additionally, we discovered that legitimate emails from at least one vendor were being diverted to the spam/junk folder, which prevented timely communication and verification. Concurrently, we began receiving emails and phone calls from subcontractors and vendors reporting that they had received messages appearing to originate from our company, which included a link that, when accessed, did not direct to any valid content. Based on these findings, it appears that unauthorized third parties were impersonating both our company and our vendors, potentially through email spoofing or compromise. In at least one instance, the fraudulent party communicated with the vendor indicating that our company was delaying payment due to pending funds from the XXXX XXXX. This misinformation created confusion and disrupted normal communication channels, contributing to the success of the fraudulent scheme. It is also important to note that in both cases, the vendors/scammers requested that ACH payments be directed to accounts held at Citi Bank , and that the funds were sent to two separate Citi Bank accounts , further indicating a coordinated fraudulent operation utilizing multiple receiving accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: PA

Complaint narrative:
Company Name : National Recovery Agency XXXX XXXX XXXX XXXX XXXX XXXX Type of Debt : Medical debt ( XXXX XXXX XXXX XXXXhe problem you're having : Debt is not yours / Misidentification Description of Complaint : I am filing this complaint against National Recovery Agency regarding a debt collection notice I received via email on XX/XX/year>. The notice ( Consumer Number : XXXX ; Creditor Reference : XXXX ) is addressed to an individual named " XXXX '' at an XXXX in XXXX, KY. I am XXXX XXXX, and I reside in XXXX, PA. I have no connection to the individual named, the address provided, or the alleged debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a clear case of misidentification and the improper use of my contact information for another individuals debt. Despite this being an obvious error, the agency has sent a formal demand for {$620.00} to my personal email address. I am requesting the following actions : Cease and Desist : National Recovery Agency must immediately stop contacting me regarding this account. Information Removal : My email address and any other personal data must be permanently unlinked from the account of " XXXX '' and removed from their collection database. XXXX : The agency must confirm in writing that I, XXXX XXXX, am not being held responsible for this debt and that no negative information has been reported to credit bureaus in my name or under my Social Security number. I have already attempted to contact the agency to clarify that this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: IA

Complaint narrative:
I submitted the payment on XX/XX/year> but it was not to come out till XX/XX/year>. They tried taking the money out of my account XX/XX/year> which they did not have authorization to do so. I am always keeping an eye on my bank account because the house payment does not come out of my account it comes out of my husbands account. Well since they didnt delete my account like they were told to do in XXXX XXXX XXXX they put my bank account- {$960.00} dollars. so in order to cover the payment my husband had to transfer the money to my account from his account so that way the payment was covered and to get my out of the hole. Once that was taken care of on XX/XX/year>. I spoke with my personal bank and they informed me that the payment processed and went through with no issues so here I thought everything was fine. But now on XX/XX/year> PennyMac tries taking the same amount of {$1000.00} out of my checking account again which then puts me negative again and when I called them all they could say it wasnt their problem anymore that I needed to contact my bank. So I hung up on them and called my bank and we have now submitted documents to have my money refunded that they just tried taking after the payment was already made a week before. My bank has also informed me to make sure my personal account and husbands has been deleted from PennyMac and to either call the payments in or send a money order. My bank has put out a red flag making sure PENNYMAC can no longer access our accounts without our authorization. I have also reached out to our original mortgage place about finding us a new mortgage place to take over our house mortgage because Im tired of all the games PennyMac is playing and its not just only us they are doing it to there is so many other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: OH

Complaint narrative:
I took out private student loans totaling approximately {$32000.00}. I have paid approximately {$51000.00} over time, yet my current balance is around {$80000.00}. I requested documentation from the servicer to verify the validity of these loans, including proof of school certification and full account records. The servicer claimed certification was completed electronically but failed to provide proof. Some documents provided appear to contradict this claim. I also requested a breakdown of interest and capitalization, which has not been fully explained. My loans were placed in deferment/forbearance multiple times, during which interest accrued and increased my balance significantly. I previously filed bankruptcy, and I am questioning whether these loans were properly originated and whether the balance increases and documentation issues indicate improper servicing or lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: TX

Complaint narrative:
I recently received notice in XX/XX/year> that my SBA Economic Injury Disaster Loan ( EIDL ) had been transferred to the U.S. Department of the Treasury for collection, along with approximately {$6700.00} in added collection costs. This was the first correspondence I received indicating that the loan was in default or at risk of being transferred. I did not receive prior notices of delinquency, default, or intent to transfer to Treasury. At the time these loans were issued during COVID-19, there was widespread communication regarding PPP loan forgiveness, and I reasonably believed my situation may have been similar. Had I received proper notice or communication, I would have taken immediate steps to resolve the loan directly with the SBA before escalation. Upon receiving the notice, I promptly attempted to resolve the issue. I contacted the assigned collection agency, Coast Professional , Inc., and also reached out to the SBA to request assistance. I asked for information regarding when the loan was deemed in default, what prior notices were sent and to what contact information, and whether the loan could be returned to SBA servicing so I could enter into a repayment plan and resolve the matter in good faith. I was not provided with clear answers regarding prior communications or notice history. I was also informed that there were no options available to return the loan to SBA servicing or to review or reduce the added collection costs. As a result, I am now facing significant additional financial burden due to collection fees that were applied without what I believe was proper notice or an opportunity to resolve the matter earlier. I am acting in good faith and want to resolve this obligation. I am requesting : 1. A review of whether proper notice was provided prior to transfer to Treasury 2. Consideration to return the loan to SBA servicing so I may enter into a repayment plan 3. Review and potential reduction or removal of the added collection costs, given the lack of prior communication and my immediate effort to resolve the matter I appreciate your review of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: Chime Financial Inc
State: FL

Complaint narrative:
Almost two months ago {$74.00} dollars got took out of my home base app I put in a dispute on chime because it said I made an transaction on chime which I never did, they sent the money and put me in a negative, I called chime talked to them they put in a denied dispute and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to Credit Collection Services. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving Credit Collection Services owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under XXXX U.S.C. XXXX ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect Credit Collection Services to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account. As detailed in the attached letter, I have requested the following : The Date of First Delinquency ( DOFD ) as recorded by the original creditor, The charge-off date, The date of purchase or assignment, with confirming documentation, The current data set on file for this account, and The procedures used to verify the account if previously disputed. Please respond to each item identified in the attached dispute letter in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
I am filing this complaint regarding Goldman Sachs Bank USAs handling of a billing dispute in which they concluded that no billing error occurred for a charge of {$1100.00}, and that the service was provided. I believe this conclusion is incorrect and that my evidence was not properly evaluated. The disputed charge of {$1100.00} relates to a flight scheduled on XX/XX/year>, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, booked through a third-party agent, ly.com. On the day of travel, I arrived at the airport at approximately XXXX XXXX, well before the airlines check-in deadline. When I attempted to check in, I was informed by airline staff that there was a booking issue preventing them from processing my ticket, and I was instructed to contact the booking agent to resolve the issue since I did not purchase the ticket directly with the airline but via a third party agent. I made a prompt attempt to contact the booking agent at approximately XXXX XXXX prior to the check-in cutoff, using the available contact information at the time. Despite this effort, I was unable to obtain assistance or resolve the issue before check-in closed. As a result, I was unable to complete check-in and could not board the flight. Because I was unable to travel, I was forced to purchase a replacement ticket on XX/XX/year>, on the same route and airline, at a cost of {$1800.00}, resulting in significant financial loss. I submitted a detailed dispute to Goldman Sachs ( Through Apple ) along with supporting documentation. However, Goldman Sachs denied the dispute, stating that the service had been provided in accordance with the merchants terms and conditions. I believe this conclusion fails to address the central issue of my dispute. The question is not whether the flight existed or whether a ticket was issued, but whether I was able to access and use the service. Despite arriving on time and making a good-faith effort to resolve the issue before the check-in deadline, I was unable to check in due to a booking issue outside of my control. A service can not reasonably be considered provided when the consumer is prevented from accessing or using that service due to unresolved booking or system issues. Goldman Sachs appears to have relied solely on the merchants assertion without adequately considering my documented timeline and evidence. I have attached the following supporting documentation : Exhibit A : Booking confirmation for XX/XX/XXXX flight Exhibit B : Email sent at XXXX XXXX on XX/XX/XXXX showing attempt to resolve the issue prior to check-in cutoff Exhibit C : Proof of contact attempt with the booking agent Exhibit D : Replacement ticket purchased on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute submitted to Goldman Sachs via apple Exhibit XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation