vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 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: TX

Complaint narrative:
On the XXXX of XXXX I received a call from " Chime '', aqs identified by my caller ID. I answered the call aqnd was notified that a charge of XXXX approx., was being used to buy a XXXX XXXX. I told them that was not me and it was fraud, and not my charge. They transferred. me to another department and I spoke with them. I gave them NO information ( not my account number, SS, or any other information. ). During the course of the call, they cleaned my my bank account of approx. XXXX. I contacted Chime immediately following the call, and was assured it would be investigated. However, unlike every other bank- when a customer is defrauded, their money is returned while the investigqation is ongoing. They WILL NOT return my money. I am retired on a fixed income- they took all my money and left me with {$1.00}. This has been ongoing. I filed a police report- they aqre still refusing to refund me. I NEED HELP PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: TX

Complaint narrative:
I am filing this complaint against Bank of America , N.A . regarding its handling of my fraud claim for an unauthorized XXXX XXXX XXXX XXXX credit card transaction. The disputed charge was an Airbnb-related hotel/lodging transaction in XXXX in the amount of {$240.00}. I did not authorize this transaction, did not participate in it, did not travel to XXXX, did not sign for it, did not receive any benefit from it, and do not know the individual identified in the investigative materials. Bank of America provided an investigative report after I requested documentation. That report appears to support my fraud claim rather than refute it. The materials identify another person, another XXXX/account email, XXXX lodging , and transaction activity unrelated to me. I have not been provided with any evidence showing that I authorized or participated in the transaction. I submitted a written reconsideration request to Bank of America on or about XX/XX/year>, asking for supervisory review, confirmation that I bear no liability, and a written explanation identifying the specific evidence relied upon to deny or close the matter. Despite this, Bank of America continues to list the claim as closed and has not provided a meaningful written response addressing my concerns.

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 2026-05-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
The consumer is the named executor of an inherited estate managing an FHA XXXX reverse mortgage, FHA Case Number : XXXX. The consumer is filing this complaint against XXXX for bad-faith mortgage servicing, failure to communicate, and dual-tracking pre-foreclosure actions while actively ignoring loss mitigation requests.The consumer has explicitly stated their intent to exercise their federal right to purchase the inherited property for 95 % of its market value under FHA guidelines. The previous appraisal on file was completed in XX/XX/year>. Per FHA regulations, this appraisal is legally expired. Furthermore, the XX/XX/year> appraisal contains severe material inaccuracies, as it completely omits a non-functional HVAC/AC unit XXXX a failing roof, and aged plumbing, which heavily distorts the true market value. XXXX has repeatedly ignored multiple emails from the consumer over the last several months. When they finally responded, they sent a notice stating the property is in pre-foreclosure because " time has run out. '' In that same communication, they refused to process a new appraisal or provide a payment link for the consumer to cover the appraisal fee out-of-pocket, effectively blocking the consumer 's federal right to save the home.The consumer has formally escalated this matter to the FHA XXXX XXXX, and a tracking case has been opened under Reference Number XXXX. The consumer demands that XXXX immediately halt all foreclosure proceedings, review the appraisal dispute, and process the order for a new independent FHA Roster Appraisal so the 95 % heir buyout can be finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Comprehensive Summary covering XX/XX/XXXX through XX/XX/XXXX pertaining to Carrington Mortgage is attached. My mortgage was transferred to Carrington 's servicing in approximately XX/XX/XXXX. Since that transfer, Carrington has engaged in a documented pattern of escrow mismanagement, unauthorized fee collection, payment misapplication, and account manipulation all documented in Carrington 's own records. Escrow account mismanagement Unauthorized fees charged Payment not credited Funds held in suspense Loss mitigation not offered Account access blocked Payment refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Complaint against PayPal regarding permanent account limitation after a {$1.00} payment and completed identity verification I am filing this complaint against PayPal regarding the permanent limitation and closure of my PayPal account. Recently, my PayPal account received a very small payment of {$1.00} from a friend. Shortly after receiving this payment, my PayPal account was limited. PayPal then requested identity verification. I fully cooperated with PayPals request and uploaded my passport. I also completed the required facial recognition / identity verification process as instructed by PayPal. However, after I completed the verification steps, PayPal notified me that my account was permanently limited/ permanently closed. I am extremely dissatisfied with this decision because I have not engaged in any fraudulent, illegal, or prohibited activity. The {$1.00} payment was a legitimate personal payment from a friend. I followed PayPals instructions and completed the identity verification process in good faith, but my account was still permanently closed without a clear explanation. I believe PayPals decision is unreasonable and unfair. If PayPal had concerns about my identity or account activity, I provided the requested passport and completed facial recognition verification. PayPal did not provide a specific explanation of what rule I allegedly violated, what transaction was problematic, or why a {$1.00} personal payment would justify permanently closing my account. I am not using PayPal for any prohibited activity. I have complied with PayPals verification requirements, and I believe my account should be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
They newrez who just bought my loan back are saying i owe absorbent amount but my bank statements prove other wise, im paying monthly my mortgage XXXX some months twice ill send XXXX payments they straighten it out before but now that my lender who formally managed my loan sold it XXXX bought it back again they are up to old tricks demanding i owe more than i do i feel extorted XXXX need your help please investigate and get back to me in writing with your findings my loan number is XXXX i have had this loan 20 years

Company response to consumer: Untimely response
Consumer complaint received 2026-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
I called them multiple times informing them that i own the property and deed is under my name but they refuse to give me anything even after telling them i am a successor in interest and i just want to pay off their loan to release the lien but they kept saying i will have to assume the loan and go through assumptions process. One agent said i would have to be added as a third party authorized. I am a legally confirmed and recorded deed holder of the real property located at XXXX XXXX XXXX XXXX XXXX, IN, XXXX. I acquired title through an involuntary transfer via a Sheriff 's Sale. XXXX XXXX XXXX XXXX has been audited, stamped, and officially recorded with the county recorder 's office. Under CFPB mortgage servicing guidelines, I am a valid XXXX in Interest by operation of law. Carrington Mortgage Services is violating federal rules by refusing to issue an official payoff statement for the outstanding balance. Frontline customer service agents are incorrectly treating me as a non-authorized third party and blocking my ability to satisfy the lien in full by demanding documentation from a defaulted borrower who no longer holds any legal interest in the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.

Complaint narrative:
I am the sole member of XXXX XXXX XXXX XXXX, which held a business checking account with Relay Financial ( banking services provided by XXXX XXXX XXXX On XX/XX/year>, I deposited a check for {$9200.00} issued to XXXX XXXX XXXX XXXX by my prior bank, XXXX, as the closing balance of my XXXX account. On XX/XX/year>, XXXX 's compliance team froze my account and requested documentation linking the check to my business. The same day, I provided everything requested : XXXX 's account-closure email, XXXX 's disbursement confirmation showing {$9200.00} payable to XXXX XXXX XXXX XXXX XXXX XXXX Wyoming Articles of Organization , and a Shopify screenshot clarifying that " XXXX XXXX XXXX is only my store 's brand name, not a separate legal entity. On XX/XX/year>, Relay closed my account. They stated a check for the remaining funds would be mailed " once the investigation is complete, '' arriving in XXXX business days, but that the review could take " up to 45 days. '' At that point the deposit was still pending and had never been available to me. I immediately requested escalation to a senior compliance officer. On XX/XX/year>, XXXX told me in writing that " the decision is final '' and that " due to compliance reasons, we are unable to provide any further details. '' The check cleared on or around XX/XX/year>. Since then I have contacted XXXX repeatedly by email and phone ( tickets XXXX, XXXX, and XXXX ). On XX/XX/XXXX and XX/XX/XXXX, XXXX reframed XX/XX/XXXX as the start of a XXXX review window rather than a mailing date. On XX/XX/XXXX, I gave formal written notice requesting the check be issued or the funds wired within XXXX business days ; Relay declined to expedite. As of today, XX/XX/year> more than 30 days after the funds cleared and the closure was final no check has been issued, no tracking number or wire confirmation has been provided, and my {$9200.00} remains held, plus the {$200.00} that were already in the account. There has been no fraud, no dispute, and no transactional activity on this balance. These are clean, settled funds belonging to a closed account. Relay has confirmed the closure is final yet continues to rely on an open-ended " up to 45 day '' review to justify withholding my money, which is causing serious harm to my business and my ability to pay suppliers and vendors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Via Certified Mail True Accord XXXX XXXX XXXX XXXX XXXX XXXX, XXXX RE : DEMAND FOR DEBT VALIDATION To Whom It May Concern : I am responding to your attempts to collect an alleged debt that you claim I owe. I dispute this debt in its entirety and demand full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. To date, you have failed to provide any competent evidence that I owe this alleged phone bill. Your unsupported assertions do not constitute proof of a valid debt. I demand that you provide the following : XXXX. The name and address of the original creditor. XXXX. The original account number. XXXX. A complete accounting of the alleged balance, including all fees, interest, penalties, and charges. XXXX. A copy of the original contract, service agreement, or application bearing my signature. XXXX. Copies of all billing statements supporting the amount claimed. XXXX. Documentation proving your legal authority to collect this debt, including any assignment or purchase agreement. XXXX. Proof that you have verified the accuracy of the information you are attempting to collect and/or report. If you are reporting this account to any consumer reporting agency, be advised that the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, requires furnishers of information to report only accurate and verifiable information. Reporting a debt without sufficient documentation and verification may constitute a violation of federal law. Until you provide the documentation requested above, you must cease collection activities regarding this alleged debt. If you can not provide competent evidence that I am legally obligated to pay this debt, I demand that you immediately close your file and remove any credit reporting associated with this account. Furthermore, if you continue collection efforts or continue reporting this account without proper validation and verification, I reserve all rights to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and to pursue any remedies available under federal and state law. This letter is not a refusal to pay. It is a notice that I dispute the debt and require validation before any further collection activity may proceed. I expect your written response within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
On Friday, XX/XX/XXXX at XXXX XXXX, XXXX unauthorized withdrawals were made from my account for a total of {$920.00} ( XXXX, respectfully ) from an ATM in XXXX XXXX TX XXXX while I was working at my job. At XXXX XXXX of the same day, I spoke with a Chime customer service agent to notify them of the unauthorized transactions made on my account and they notified me that my current physical debit card would be replaced, a dispute would be made and an investigation would take place. On Tuesday, XX/XX/XXXX at XXXX XXXX, I received an email from the company that my issue was resolved and that my disputed funds were denied. At XXXX XXXX of the same day, I spoke with a customer representative to explain to me as to why my dispute was denied and the operator hung up the call on the other end. At XXXX XXXX, I made contact with another operator by the name of XXXX who did not provide information as to why was my dispute was denied, but did reopen the dispute and instructed me to upload documents to better help my case. At XXXX XXXX, I received an email from the company that had a link as to upload documents for my dispute to which I included XXXX documents ( my workplace address, a screenshot of the unauthorized ATM transaction with the location underlined, a screenshot from my company time card showing my work week which included Friday, XX/XX/XXXX, a screenshot from the same time table that showed the timeframe I was clocked in at work on Friday, XX/XX/XXXX, which was at XXXX XXXX ). On Wednesday, XX/XX/XXXX at XXXX XXXX, I received an email from my HR XXXX providing me with a timesheet that has all of the dates and hours I worked on in XX/XX/year> which was then submitted to the dispute documents in the evening of the same day.On Thursday, XX/XX/XXXX at XXXX XXXX, I received an email from the company notifying me what evidence they used in their investigation to reach to the disputes conclusion which included but not limited to : Account freeze history and related actions Fraud alert responses related to transactions Transaction processing details Login and authentication history Device Usage XXXX XXXX XXXX XXXX calls with Chime regarding the disputed activity. On Saturday, XX/XX/XXXX at XXXX XXXX, I received an email from the company that notified me that my dispute was resolved and my funds were once again denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: TX

Complaint narrative:
There was several unauthorized transactions made in ANOTHER STATE thats not in the state I reside in nor a state that I visit in which I was never AUTHORIZED THE transactions my email was hacked as well as my phone number changed on my account when I spoke with the banking institution they stated there was no errors but the errors are clear due to the fact I can not be in two places at once 1. I provided proof the device used WAS NOT my device 2. The investigation that ( CHIME ) showed me WASNT an investigation at all 3. There were several errors 4. This is the 2nd time this has happen in 3months

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
I did not authorize a transfer of on XX/XX/year>. About {$2000.00} in bitcoins and {$480.00} in cash. Cash App conducted an investigation Case # XXXX and incorrectly concluded that I released the funds myself. I have never seen or approved this transaction. Their investigation was inadequate. I am requesting the full transaction details, proof of my authorization, and a refund of the unauthorized amount. Please see attached screenshots of their responses and my communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: KS

Complaint narrative:
Chime has never handled my disputes they hang up on me and close my dispute after one day

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
On XX/XX/year>, I initiated an international money transfer of XXXX XXXXXXXX via Western Union XXXX payable to XXXX XXXX XXXX XXXX XXXX-based vehicle auction company, as payment for a vehicle purchase. Following the transfer, I was contacted by Western Union and informed that the transfer had been sent incorrectly due to an error on Western Unions part, and that the funds would need to be returned to me. As of XX/XX/year> XXXX days later the {$4900.00} remains unresolved within Western Unions system. I have not received a refund, and the transfer has not been corrected. Western Union has provided no clear timeline for resolution despite my follow-up. As a direct result of Western Unions failure to return or correct these funds promptly : XXXX. I have been unable to meet my payment deadline with XXXX XXXX. XXXX. XXXX XXXX is now charging me late payment fees and penalties XXXX. I face potential loss of the vehicle I bid on and paid for. Western Union has verbally acknowledged the error was on their end, yet continues to hold my funds without remedy. This constitutes a failure in their error resolution obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, as well as a breach of their service contract with me as a consumer. RELIEF REQUESTED : XXXX. Immediate return of my $ XXXX in full plus fees. XXXX. Compensation or reimbursement for late fees charged by XXXX XXXX as a direct result of Western Unions delay XXXX. Written acknowledgment from Western Union of their error XXXX. Regulatory review of Western Unions error resolution practices for domestic transfers I have also submitted a formal written complaint directly to Western Union on XX/XX/year>, demanding resolution within XXXX hours. Transfer Date : XX/XX/year> Amount : {$4900.00} USD Recipient : XXXX XXXX. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation