vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 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: Chime Financial Inc
State: OH

Complaint narrative:
I am filing a complaint regarding a denied unauthorized transaction dispute with Chime. I reported a {$77.00} transaction as unauthorized on XX/XX/year> ( Claim ID : XXXX, account ending in XXXX ). This transaction was not made by me and was conducted by an unknown stranger. After completing its investigation, Chime stated that no billing error occurred and reversed the provisional credit, adding the charge back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/year> Re : Formal Dispute of Alleged Debt and Notice of Unlawful Debt Parking To Whom It May Concern, This letter serves as a formal dispute of the alleged debt you have reported and/or attempted to collect. I dispute the validity, accuracy, and ownership of this alleged debt in its entirety. 
This dispute is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Specifically, I am concerned that this account constitutes " debt parking, '' an unlawful practice in which a debt collector reports a debt to consumer reporting agencies without first contacting the consumer or providing legally required validation. The Federal Trade Commission ( FTC ) has determined that debt parking violates federal consumer protection laws. 
Pursuant to FDCPA 809 ( b ) ( 15 U.S.C. 1692g ), I am requesting full validation of this alleged debt, including but not limited to : - The name and address of the original creditor - The amount of the alleged debt with a complete accounting - Copies of any contracts or agreements bearing my signature - Proof that you are legally authorized to collect this debt Under the FCRA ( 15 U.S.C. 1681s-2 ), you are required to ensure that all information furnished to consumer reporting agencies is accurate and verifiable. Reporting unverified or inaccurate information is a violation of federal law. 
Until such validation is provided, you must immediately cease all collection activity and remove this account from any and all consumer reporting agencies. Failure to comply may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, as well as potential civil liability. 
This letter is not a refusal to pay, but a notice that your claim is disputed. 
Please provide your response in writing only. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I am submitting this complaint regarding PennyMac Loan Services handling of my loss mitigation request.

PennyMac approved me for a XXXX XXXX XXXX that requires a total monthly payment of approximately {$2500.00}, which consists of my regular mortgage payment of {$1400.00} plus a payment adjustment amount of about {$1000.00} to cure arrears. This payment is not affordable when considering my household expenses.

I informed PennyMac multiple times that I can afford {$1400.00} per month, which is consistent with my regular mortgage payment and reasonable living expenses. Despite this, PennyMac representatives stated that the repayment plan is the only option available and told me that I must make the full payment by XX/XX/XXXX or face foreclosure.

PennyMac based its determination solely on gross income and refused to consider my documented household expenses or review me for a loan modification or other loss mitigation options. I formally requested a full loss mitigation review, including a loan modification, and was told it was this or foreclosure.

I believe PennyMac failed to properly evaluate my ability to pay and improperly pressured me to accept an unaffordable repayment plan instead of reviewing all available loss mitigation options, as required by federal mortgage servicing rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I received three {$100.00} prepaid XXXX gift cards ( {$300.00} total ) issued by Blackhawk Network via MyPrepaidCenter as a workplace gift. All three cards were activated virtually prior to use. 

The cards have been unusable at every merchant, both online and in-person, that Ive tried. Online transactions consistently fail, including at merchants explicitly listed as eligible for use with these cards. After the virtual cards failed, I paid an additional {$3.00} per card ( total {$9.00} ) to receive physical cards. The physical cards are equally unusable despite proper activation via

MyPrepaidCenter. MyPrepaidCenter provides no functional way to view, con
firm, or manage any billing address or ZIP code associated with the cards. This prevents proper address verification ( AVS ) and results in widespread transaction declines. I was also unable to reach a customer service representative after multiple attempts, leaving no viable support path. 

As a result, I have paid fees for prepaid cards that can not be used for their intended purpose despite being activated and carrying available balances. This constitutes an unusable financial product and an unfair consumer experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am writing to frequest assistance with inaccurate and misleading information reported on my credit file by Chime XXXX XXXX XXXX regarding an alleged late payment on a XXXX XXXX account. I opened a Chime account in XX/XX/year> by initiating a direct deposit of {$500.00} from my employer. My sole intent was to open a digital checking account. During the account opening process, Chime automatically enrolled me in a XXXX XXXX program and issued a credit card without my request. I never activated, requested, or knowingly used a credit card associated with this account. In fact, the app still is asking me to activate the card. Nonetheless, I received XXXX emails from them stating my credit card was delinquent. I couldn't see how that would since I never opened XXXX. 

Believing I was using a debit card linked to my checking account, I used the account credentials provided by Chime to make purchases via XXXX tap-to-pay in XX/XX/XXXX after opening the account. The total amount of those purchases was approximately {$450.00}, which was fully covered by the {$500.00} deposit in my account at all relevant times. 

Despite this, Chime later reported a late credit payment, which caused a substantial and unwarranted decrease in my XXXX XXXX. Chime claims the transactions were treated as credit charges under the XXXX XXXX account and that I was required to enable automatic payments to transfer funds that were already present. Chimes own statements reflect that sufficient funds were available, and no balance was ever owed. Their statements reflect the same thing. In fact, that little box was never checked. 

In XXXX, I received a notice alleging a late credit card payment. Because I had never activated or knowingly used a credit card with Chime, I reasonably believed the notice to be fraudulent. At no time was I delinquent, overdrawn, or in default. 

When I contacted Chime via chat, their representatives acknowledged that I did not owe any outstanding balance. They refused to give me a copy of the chat. Again today, I called customer service at XXXX pm today and spent XXXX minutes on the phone with them. Chime refused to correct or remove the negative credit reporting to date. they refused to give me a copy of the chat. Instead they sent me an email asking for more information to dispute the report. I need help as they are refusing to remove this fraudulent reporting. Their credit builder thing that they force you into is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In late XXXX I subscribed to Hims and Hers for weight loss medication. 
After a while I felt like it wasn't effective so I unsubscribed in early XXXX. 
There is no option to remove my card from their website, ( which I'm pretty sure is illegal. ) Sometime after, I have no idea when, they reactivated my subscription without my consent or informing me. 

On XX/XX/XXXX I received an email that I would be receiving a shipment for the medication. I checked my bank and found I was charged {$1900.00} XXXX promptly called my bank XXXX Bank of America ) to dispute the charge. 

I also went to their website to cancel if possible. I could cancel the subscription again, but could not remove my card information at all, so I had to order a new credit card. 
Note : I did not receive any information from Hims about the subscription being cancelled when I cancelled it on XXXX. There was no acknowledgement about the subscription being cancelled until I received an email on XXXX XXXX more than XXXX weeks after I disputed the charge. 

I believe they purposely don't send email on subscription cancel so they can reactivate subscription without my knowledge. Which is why there is no option on their website to remove payment method. So that months later they can charge my card and I'll have no proof of cancelling earlier. 

I also researched and saw that the FTC was investigating Hims regarding account and cancellation subscription policies and continued billing after cancelling. Which shows that I am not alone in suffering from this. 

Bank of America also on investigating denied the fraud charges and did not address of any of my complaints and I was not part of the claims process in any way shape or form. 
XXXX of the arguments that Hims and Hers used that Bank of America accepted was that " The customer received the product or service. '' This is not true because between the time I cancelled the subscription the first time and the time they sent me the second order, I had moved to a completely different address in a different state. There is no way for me to receive the order, but Bank of America did not address that at all and even listed that as a reason for why they denied my claim.

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 2026-01-27 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: NY

Complaint narrative:
: Dispute regarding a Credit Card Transaction with [ Generations Labs ] - Case of Fraudulent Documentation and Service Failure. 
XXXX of Facts : I am filing this complaint against [ capital XXXX Bank ] for failing to conduct a proper investigation into a billing dispute. The bank closed the case in favor of the merchant based on a document ( Receipt ) that was intentionally fabricated after the dispute was initiated. 
XXXX. Agreement : On [ Trans Date XXXX - Post Date XXXX ], I paid for a medical test. The verbal and written agreement ( on the signed consent form ) was that results would be delivered within XXXX to XXXX weeks. 
XXXX. Service Failure : After XXXX weeks, the results were not ready. This caused me significant harm as the test was required for a medical procedure scheduled on [ XXXX ]. I did not receive the results until [ XXXX ], making the test medically obsolete. Although they knew the purpose of this test and that the delay would negate the reason it was conducted, they sent the results via XXXX just to prove that I had received them. I have not discussed the medical results with them at all. And XXXX XXXX XXXX at ( XXXX fertility XXXX ), who performed the procedure, is the XXXX who referred me to undergo these tests.I want to clarify to the bank that my issue is not with receiving the results, but with the timing of their delivery XXXX. Withholding Evidence and Tampering : When I challenged the delay, the merchant withheld the original receipt and the original contract copy that I signed on the day of the procedure. When I demanded a copy, they generated a new electronic receipt with a modified timeframe ( XXXX weeks ) to cover their delay. This post-dispute document clearly shows a " Generation Date '' that is weeks after the actual transaction and after the dispute was filed. The merchant deliberately provided the bank with this recently generated receipt and did not submit the original signed documents. 

XXXX. Banks Failure : I provided the bank with my medical report dated the XXXX as proof that the service failed its purpose. However, the bank ignored my evidence and accepted the merchants self-serving, post-dispute document. 
Legal Violation : The bank violated the Fair Credit Billing Act ( XXXX ) by failing to verify the authenticity of the merchants evidence. A document created after a dispute can not be used to retroactively change the terms of an original contract. 

I am deeply concerned that the bank accepted a clearly backdated/post-dispute document as a basis to deny my rights as a consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/year> Re : Formal Dispute of Alleged Debt and Notice of Unlawful Debt Parking To Whom It XXXX Concern, This letter serves as a formal dispute of the alleged debt you have reported and/or attempted to collect. I dispute the validity, accuracy, and ownership of this alleged debt in its entirety. 
This dispute is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX et seq., and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 
Specifically, I am concerned that this account constitutes " debt parking, '' an unlawful practice in which a debt collector reports a debt to consumer reporting agencies without first contacting the consumer or providing legally required validation. The Federal Trade Commission ( FTC ) has determined that debt parking violates federal consumer protection laws. 
Pursuant to FDCPA XXXX ( b ) ( XXXX XXXX. XXXX ), I am requesting full validation of this alleged debt, including but not limited to : - The name and address of the original creditor - The amount of the alleged debt with a complete accounting - Copies of any contracts or agreements bearing my signature - Proof that you are legally authorized to collect this debt Under the FCRA ( XXXX XXXX. XXXX ), you are required to ensure that all information furnished to consumer reporting agencies is accurate and verifiable. Reporting unverified or inaccurate information is a violation of federal law. 
Until such validation is provided, you must immediately cease all collection activity and remove this account from any and all consumer reporting agencies. Failure to comply may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, as well as potential civil liability. 
This letter is not a refusal to pay, but a notice that your claim is disputed. 
Please provide your response in writing only. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In XX/XX/XXXX, I reached out to Bank of America concerning a drastic increase in my mortgage payment. For several months of endless conversations and being transferred to several departments, I was directed to the SC XXXX XXXX 's office to inquire about the increase in taxes. I later found out that my home was sold in a foreclosure sale to XXXX XXXX XXXX, XXXX XXXX years prior ( XX/XX/XXXX ). 

After legal litigation proceedings in XX/XX/XXXX, the Judgment was awarded in my favor and was determined that the house should not have been auctioned in a foreclosure sale. During these XXXX years Bank of America was still accepting my regular mortgage payments until the taxes were paid under the buyer, XXXX XXXX XXXX, XXXX. My residential taxes were approximately {$1900.00} annually and increased to {$7000.00} under the XXXX XXXXl tax bracket for XXXX XXXX XXXX XXXX XXXX. Bank of America paid the {$7000.00} tax bill and in turn increased my mortgage payments to over {$2100.00}. 

Bank of America 's attorney reached out to me and my attorney in XX/XX/XXXX about my loan and I informed him of the issue at hand. My attorney had to file another petition to get the deed returned to my name, in which the Judgement was ordered at that time. I then returned to the SC XXXX XXXX 's office to file an application for the transfer of Deed in XXXX of XXXX as well. The clerk mentioned it could take up to XXXX months for the transfer to take place. 

I have currently made XXXX payments of {$2100.00} and asked the Bank of America attorney will the negative remarks be removed from my credit report, foreclosure proceedings halted, and taxes be corrected being that I have never been late or missed a payment in XXXX years of having my loan. To which he, XXXX XXXX XXXX XXXX. 
SC XXXX XXXX replied " With regard to credit reporting, I have forwarded your request to Bank of America. You can call Bank of America directly to discuss the concerns about the XXXX payments you have recently made. " However, I do not see any justification for Bank of America entertaining your request ''. 


Please advise as to how I can quickly radicate these issues amicably. 

Respectfully, 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 2026-01-27 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: GA

Complaint narrative:
On XX/XX/XXXX, two unauthorized card-not-present transactions were processed on my Chime account using my virtual card. Both charges were made through the merchant listed as XXXXXXXX XXXX XXXXXXXX in the amount of {$940.00} each, at XXXX XXXX  and XXXX XXXX. 

I did not authorize, initiate, or benefit from either transaction. I do not recognize these charges, and they were not consistent with my normal account activity. The transactions occurred within minutes of each other, which indicates a clear pattern of fraudulent activity rather than an error or authorized use.

At no point did I share my virtual card details, login credentials, device access, or any one-time passcodes with anyone. My account and virtual card were secure and in my possession at all times.

Upon discovering the unauthorized charges, I promptly reported the activity to Chime and filed a dispute. The dispute is currently under investigation ( Dispute # XXXX ), and the virtual card was reported as compromised. 

These transactions appear to be the result of unauthorized access to my card information. I am requesting that this matter be treated as fraud and fully investigated, with appropriate corrective action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
In XXXX of XXXX my lease was over. I had a move out fee of {$1000.00}. My online account through the apartment complex was already terminated, so I used a money order that I purchased at XXXX 's. At that time I was unable to obtain official confirmation that my money order went towards my final payment, only the word of the associate assisting me. In XXXX of XXXX I was contacted via email by the collections agency, XXXX XXXX, requesting the above amount. I contacted XXXX requesting written proof that I paid my full amount but was told they got a new system and I would have to contact someone at XXXX and they provided a contact number. After speaking with a representative at XXXX, I was sent another email from XXXX confirming my amount was a XXXX balance. In XXXX of XXXX I was contacted via email by Sequium, another collections agency, requesting {$1000.00}. By this time XXXX had changed collections agencies from XXXX to Sequium. I submitted a dispute using the email they provided, XXXX, of the email correspondence with the rep from XXXX confirming my XXXX balance. In XXXX of XXXX I got a notice from XXXX XXXX that I had a collections amount on my file. I emailed Sequium again ( on the same email feed from before ) and this time included the screen shots of the prior email with XXXX. I also reached back out to XXXX and this time XXXX were able to send proof of XXXX balance. Now I am disputing with the credit bureaus to have this collections removed from my credit, as it was reported in error. 

I also got married XX/XX/XXXX, so my last name changed from XXXX to XXXX. Can send the marriage certificate if needed later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
can not get a correct statement due to not being able to see any thing or info about this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief