vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I am filing this complaint regarding how Chime handled my dispute involving a transaction with XXXX XXXX XXXX. I paid a total of {$2200.00} to this business for a cosmetic procedure that was supposed to be performed by a specific surgeon, XXXX XXXX. The payments consisted of a {$250.00} deposit and an additional {$2000.00} payment after the clinic confirmed that the surgeon was available and would be performing the procedure. On or around XX/XX/XXXX, the surgeon I booked with left the practice. I was not notified by the clinic at the time this occurred. Instead, I learned this information through social media. The clinic contacted me approximately two weeks later offering other surgeons that I had no prior knowledge of and did not agree to book with. Because the specific surgeon I paid for was no longer employed by the practice, I requested a full refund of the {$2200.00}. The clinic refused to issue the refund and attempted to charge an additional {$250.00} cancellation fee, even though my contract states that the deposit is non-refundable only if the client cancels. In this situation, I did not voluntarily cancel ; the surgeon I booked with left the practice. I filed a dispute through Chime explaining that the service could not be provided as agreed because the surgeon I paid for was no longer available. Despite this, Chime denied my dispute and refused to reverse the transaction. I believe my dispute was not properly reviewed because the merchant could not provide the service that I originally agreed to and paid for. I am requesting that Chime review this case again and investigate whether the dispute was handled appropriately. Requested Resolution : I am requesting that Chime reconsider and properly review my dispute regarding the {$2200.00} transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
On XX/XX/year>, I sent an international money transfer through Western Union for approximately {$1200.00}. On XX/XX/year>, I contacted customer support to request cancellation of the transfer because the transaction status still showed in progress and the funds had not been deposited or picked up. The agent registered the cancellation request and provided a case number, confirming that the money would be refunded. Based on that information and the assurance provided by the customer service representative, I reasonably relied on their confirmation that the transfer had been cancelled and that the funds would be refunded. As a result, I sent the money to the recipient through another method so they could receive the funds on time. However, on XX/XX/year>, I was informed that the cancellation did not proceed because the transfer had already been deposited. As a result, the transfer was neither cancelled nor refunded as previously indicated by the companys support representative. I am requesting a full review of the transaction, including the timeline of when the cancellation request was made and when the transfer was processed. I am also requesting that the company investigate the issue and provide a refund and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I disputed a {$950.00} charge from XXXX dated XX/XX/year>. The item was returned through a pickup arranged by XXXX. A shipping company ( XXXX XXXX XXXX ) picked up the merchandise from my home on XX/XX/year> and issued a signed waybill confirming the return shipment to XXXX Return Center. Despite providing proof that the merchandise was collected and returned, Chase denied my dispute and kept the charge on my account. I never received a refund even though the product was taken back by XXXX carrier. I am requesting that this dispute be reviewed again and that the charge be credited to my account because the merchandise was returned and I no longer possess the item. Supporting documents are attached including the signed pickup document. I disputed a {$950.00} charge from XXXX dated XX/XX/year> on my Chase credit card. The merchandise was returned through a pickup arranged by XXXX. A shipping company ( XXXX XXXX XXXX ) collected the item from my home on XX/XX/year> and issued a signed waybill confirming shipment to XXXX Return Center in XXXX, NY. Despite providing proof that the merchandise was picked up and returned, Chase denied my dispute and kept the charge on my account. I no longer have the item because it was taken by XXXX return carrier. I am requesting that this case be reviewed again and that the charge be credited back to my account. Supporting documentation includes the signed pickup document and Chases dispute denial le

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOV ASSO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery constantly calls me XXXX XXXX XXXX times a day, saying I owe them money, I have asked for documentation of the alleged dept that has not been sant to me, I also have told them to only contact me by mail. they have ignored my request. I have asked them for the forward flow agreement of the alleged dept Chain of assignment original agreement Account level documentation that they have not provided. they continue to call my phone XXXX XXXX XXXX times a day I don't answer anymore, I can provide records of such phone logs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am responding to your contact regarding the alleged debt referenced above. Under my rights provided by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I am requesting validation of this debt. Please provide the following : The name and address of the original creditor The account number associated with the alleged debt The amount of the alleged debt, including any interest, fees, or additional charges Copies of any documents showing that I agreed to assume this debt Proof that your agency is legally authorized to collect this debt Proof that the statute of limitations has not expired Until you provide proper validation of this debt, I request that all collection activities cease. If you are unable to validate the debt, you must remove the account from my credit report and cease all attempts to collect. Please communicate with me in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
CFPB Complaint Chase Bank Overdraft Fee Practices Company : JPMorgan Chase Bank Subject : Unfair Overdraft Fee Practices and Forced Payment Processing Consumer Name : XXXX XXXX Complaint : I am filing this complaint regarding ongoing actions by JPMorgan Chase Bank that have caused substantial financial harm and appear to constitute unfair banking practices. For more than six months, Chase has continued to process payments from a checking account that was already significantly overdrawn. Despite the account being in a negative balance and unable to support additional transactions, Chase continued to charge my linked credit card using the overdrawn account as the payment source. Each time these payments were attempted or processed, the bank assessed additional overdraft and related fees, which compounded the negative balance and significantly increased my debt. Compounding the issue, Chase removed or disabled my ability to connect an external checking account to make direct payments toward my credit card balance. This prevented me from paying the credit card with an alternative funding source and effectively forced payments to continue being made through the already overdrawn account. As a result : Payments continued to be attempted from an account Chase knew was overdrawn. Overdraft and related fees continued to accumulate month after month. My debt grew substantially due to the stacking of these fees. I was prevented from resolving the issue by paying from another bank account. This situation has continued for over six months and has placed me in significant financial distress. I am requesting the following resolution : Immediate cessation of automatic payment attempts from the overdrawn account. Restoration of the ability to pay my credit card balance using an external bank account. A full review of the account and reimbursement of overdraft and related fees that were charged as a result of these repeated transactions. Written confirmation of the corrective action taken. HOWEVER, my actual bank accounts don't show any negative information. I believe these practices may violate consumer protection standards regarding unfair or abusive banking practices and the improper assessment of overdraft fees. I am requesting that this matter be reviewed and resolved promptly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America arbitrarily closed all of my bank accounts without prior notice, including my XXXX XXXX Uncles account where I am a XXXX XXXX. I only found out on Monday when I tried to use my ATM. I have heard several different reasons why my accounts were closed and/or restricted and several different resolutions. They say I can not appeal their decision to close said accounts, but will not return my funds, other than by cashiers check. In the meantime they are returning items that have already cleared, claimed I may owe them money for items they have paid, etc., etc This has been a total nightmare!! I have been a loyal customer for 34 years!!! I am very disappointed!!

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 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
Issue : {$13000.00} USD Transfer Stuck - Reference Included Correct XXXX XXXX On XX/XX/year>, I initiated a transfer of {$13000.00} USD ( Transfer ID : # XXXX ) via Wise. What Happened : I provided my XXXX XXXX XXXX account number ( XXXX ) and explicitly included the XXXX XXXX XXXX Code ( XXXX ) in the reference field. However, I mistakenly selected the XXXX XXXX Routing Number ( XXXX ) path. Key Points of Dispute : Previous Success : I have successfully sent funds using Wise before, but this time the funds are stuck despite providing the correct XXXX details in the reference. Invalid Account : The funds were sent via XXXX XXXX ( Trace ID : XXXX ) to XXXX XXXX XXXXXXXX. Since a XXXX XXXX account is invalid in the US system , it should have been rejected immediately. Lack of Support : I initiated a Recall with Wise on XX/XX/XXXX. After 10+ business days, Wise has failed to provide any concrete update or proof of return from XXXX XXXX . Request : I request the CFPB to compel Wise to trace the funds using the provided Trace ID and ensure the immediate return of my {$13000.00} USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account that is currently being reported on my credit report that I believe to be inaccurate and improperly validated. A collection account from Resurgent Recivable in the amount of {$290.00} is currently appearing on my credit report. I dispute the accuracy and validity of this alleged debt and request proper investigation and validation. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper validation of an alleged debt upon request. To date, I have not received sufficient documentation verifying this debt, such as a signed contract, original account statements, or documentation proving I am legally responsible for the alleged obligation. Additionally, under 15 U.S.C. 1692c, debt collectors must comply with consumer protections regarding communication and collection practices. Furthermore, under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), any entity furnishing or reporting information to consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Reporting a collection account without proper verification raises serious concerns about the accuracy of this reporting. Additionally, under 15 U.S.C. 1681i of the Fair Credit Reporting Act, consumer reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information on their credit report. The continued reporting of this account without proper verification and documentation is negatively impacting my credit profile and may constitute violations of federal consumer protection laws. Therefore, I am requesting the following resolution : 1. A full investigation into the accuracy and validity of this collection account. 2. Complete validation of the alleged debt as required under 15 U.S.C. 1692g. 3. Documentation showing the reasonable procedures used to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). 4. A reasonable reinvestigation of the disputed account as required under 15 U.S.C. 1681i. 5. Immediate deletion of this collection account from all consumer reporting agencies if the debt can not be properly verified and validated. If the company can not provide sufficient documentation proving the validity and accuracy of this alleged debt, I request that the account be removed from my credit report immediately and that all credit reporting agencies be notified of the correction. Thank you for your assistance in protecting my consumer rights and ensuring compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
They do not settle transactions from Thursday to Monday but they are put in pending status. Their app has a lag between current balance and available balance. On XX/XX/XXXX my available balance was XXXX XXXX at XXXX XXXX XX/XX/XXXX my deposit from XXXX for {$1400.00} and XXXX other deposits totaling {$800.00} making my available balance {$2200.00} at XXXX XXXX I paid my rent for {$1200.00} through XXXX, made XXXX purchases {$300.00}, {$290.00} and {$99.00} totaling {$690.00} which posted on XX/XX/XXXX I had available balance was {$320.00}. The next day my balance was - {$2000.00} according to the app they settled XXXX transactions that day from the weekend and dated them XX/XX/XXXX. I spoke to a retail specialist that called me back today, I messaged pnc last Friday and she suggested I use a register and blamed the merchants for releasing holds and then posting it again and they escalated it to the retail specialist who also suggested I use a register, blamed the merchants telling me I made the mistake and I should get a simple account and would have to go to a branch, I am XXXX that is hard to do and I owe the money and it will be charged off after 30 days, they did just that they closed my account they refused to acknowledge that there was a lag between current balance and available balance. They have done this before 2 times for a XXXX XXXX bucks they refuse to acknowledge the glitch in their system and can not grasp the fact if the money is pended I physically can't spend money that is not available, it won't go through I opted out of overdraft told them if the money is not there don't pay it and they did they took the money from my savings account wiped it out without my permission I was counting on that XXXX dollars that I had for food for the month, thankfully I was able to transfer my XXXX check to a govt prepaid card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
An application with XXXX XXXX, which is a luxury apartment that I stayed at previously. Was charged a combined total of {$860.00}. {$800.00} was for the holding deposit for XXXX XXXX which is a XXXX bed XXXX bath and {$64.00} for the application fee. My application was denied and I was supposed to receive my holding deposit of {$800.00}. When making my claim with Wells Fargo I disputed the charge of {$860.00}. Knowing that the Application fee was non refundable. XXXX XXXX included my holding deposit with that fee. XXXX XXXX said they administered a refund around XX/XX/year> but that wasn't the case. After investigation Wells Fargo stated that they're going to take the credited money from my account. Why would the do a such thing if I never received my holding deposit back. if anything they were supposed to only take {$64.00} since the application fee was non refundable.

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 2026-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
My wife and I have a mortgage with M & T Bank and entered into a Trial Payment Plan for a Standalone Partial Claim under the Federal Housing Administration ( FHA ). To accept the offer, we were to contact M & T Bank no later than XX/XX/XXXX, to notify them of our intent to accept this offer, either by telephone at XXXX or in writing at M & T Bank, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. My wife notified them by telephone in XXXXXXXX XXXX XXXX prior to XX/XX/XXXX, to notify the bank of our intent to pay and to accept and complete the attestation. All required payments were made on time in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX my wife and I both noticed a notification on our XXXX credit report indicating our mortgage payment was late. Needless to say, reporting this erroneous late payment to the credit bureaus is having a negative impact on our credit reports. My wife and I called M & T Bank on XX/XX/XXXX to find out why we were showing late and we were told the Trial Payment Plan was declined because we failed to complete and sign the required Attestation, which my wife completed in XXXXXXXX XXXX XXXXXXXX prior to XX/XX/XXXX, which is the expiration date. After the bank completed their review on the phone call with us, they confirmed all of our payments were received on time. The explanation and reason given as to why we are showing late is due to M & T Bank not applying the correct code to reflect the required attestation had been accepted and completed. The M & T Bank representative quoted the code that should have been applied on the day my wife called in to accept and complete the attestation is ( XXXX ) meaning we completed and accepted the attestation. It was also quoted by the M & T Bank rep that the account was not coded correctly, which is no fault of ours. When we inquired as to what our next steps would be they stated we would need to go through the process again to complete another Trial Payment Plan for a Standalone Partial Claim under the Federal Housing Administration ( FHA ). This measure is totally unacceptable to us since we complied accordingly and did everything that was asked of us to comply with M & T Banks demands. My wife and I feel that having to repeat the process over due to a mistake on the banks part is unacceptable. We are filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and would like to know what other measures we might be able to take to bring about resolution and keep from having to repeat the process over again since this was the banks error.

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 non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I bought from a small dealership and they used Credit Acceptance for the for the loan I didnt have the the car for whole year before it went out on me, I found out that car had a lot of water damage to it and the dealer never told us when we purchased the vehicle.

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