vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: VA

Complaint narrative:
Hi, on XXXX. XXXX, XXXX I paid funds to receive services I did not receive. I supplied supporting documents and will do the same for this claim I am submitting. I paid {$350.00} to DEFERIT through CHIME and informed chime I didnt receive the services. A check was to be mailed to my property manager, and I am to pay deferit back in 4 installments. I paid the deposit and all installments up front and was received email correspondence a check will be sent to my property manager. I then received days later another email stating they could not pay. No reason as to why so I requested funds back and for my account to be cancelled and then reached out to chime for a refund. They denied my dispute and I am livid. I am a single mother of three children and work very hard for my money. I fell short with rent and thats when I researched to find out about XXXX they did not keep their promise to me I had to pay my rent in full and am out of {$350.00}. Chime never sent correspondence via email as promise stating why my claim was denied but was told recently via telephone that no issues took place with the transaction which is why it was denied that is not enough for me. If you pay for something you expect to receive the goods/services if not a refund is expected! XXXX cancelled my accounts I have a positive history with chime I have been member since XXXX. My direct deposits go there and they have let me down with this one. I am filing this complaint in hopes you guys can assist with getting my funds back. Thank you. All supporting documents sent for initial claim on deferit will also be included with this claim.Also contacted my property manager, no funds were ever received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I deposited a check issued by the Government of XXXX into my Bank of America account at a branch. The check amount was approximately {$4200.00} USD. 

Bank of America later informed me that the check was incorrectly processed under the wrong currency and subsequently reversed. However, the original physical check was taken by the bank at the time of deposit and is no longer in my possession. 

Despite multiple follow-ups with Bank of America over the past year, the funds have not been credited to my account, and the bank has failed to provide a formal written confirmation stating that the check was received, mishandled, and lost or destroyed while under the banks control.

This written confirmation is required by the Government of XXXX in order to issue a replacement check. As of today, more than one year later, Bank of America has not resolved the issue, has not credited the funds, and has not provided the necessary documentation. 

I am requesting that Bank of America provide a written confirmation acknowledging receipt and loss or destruction of the original check, or otherwise resolve this matter promptly.

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 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Off-Platform Response Received Application ID XXXX Dear CFPB, I submitted a complaint against Capital One regarding my credit card application ( Application ID XXXX ). 

Capital One did not respond through the CFPB portal. Instead, I received an email from them directly stating that my application could not proceed due to identity verification issues. This response contradicts my complaint and their prior approval, account opening, issuance of a virtual card, and repeated confirmations that my documents were received. 

Additionally, XXXX XXXX own application states that an ITIN is an acceptable form of identification. I submitted my ITIN and passport as required, yet they did not accept my application. They never explicitly stated why my ITIN was rejected, instead providing only the vague explanation : we were unable to verify your identity. I am requesting a full explanation for why my ITIN was deemed unacceptable despite being listed as valid, and why my application could not proceed.

I request CFPB guidance and intervention to ensure Capital One provides a formal response through the portal, addressing : Why the account was approved and activated if identity could not be verified Whether the account was denied or closed after approval Why my ITIN was rejected despite being listed as acceptable Whether any adverse credit reporting has occurred or will occur Confirmation that no record reflects applicant fault, fraud, or identity failure I have attached Capital Ones email and documentation of my complaint. 

Thank you for your attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Union Home Mortgage Corp
State: TX

Complaint narrative:
Union Home Mortgage Corp. failed to fully disburse escrow funds to pay my homeowners insurance premium owed to XXXX XXXX XXXX, despite the existence of escrow funds designated for that purpose. 
Specifically : XXXX issued a premium bill in the amount of {$730.00}, due on XXXX XXXX XXXX XXXX Mortgage XXXX did not pay the full premium, resulting in underpayment. UHM underpaid, releasing only {$710.00} on XXXX XXXX. 


As a result, I received a notice of cancellation from XXXX. An initial payment of {$18.00} to reinstate my policy on XX/XX/year>. Then a subsequent payment of reinstation fees of {$160.00} on XXXX XXXX. 


This error placed my property at risk of uninsured loss and exposed me to potential force-placed insurance, increased costs, and other damages. 
The failure to properly administer my escrow account and pay insurance premiums constitutes a servicing error under RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting a complaint regarding overdraft and related fees on my Wells Fargo Everyday Checking account. 

In late XXXX and early XXXX, this account developed a negative balance that has continued to increase due to overdraft and extended overdraft fees. As of XX/XX/XXXX, the account shows a negative balance of approximately {$690.00}.

This account has not been actively used. I transitioned my primary banking and benefit deposits to another financial institution. Despite minimal or no active spending, fees continued to accrue and substantially increased the balance. Based on my review, the original negative amount appears to have been significantly lower ( approximately {$200.00} ), with the majority of the current balance consisting of fees rather than principal transactions. I experienced a recent medical issue that affected my ability to monitor this account during part of this period.

I attempted to resolve this directly with Wells Fargo by requesting a written explanation of the fees and a fee review. However, I was repeatedly routed to automated systems and prompted to call, despite requesting written communication. I was not provided a written response or resolution.

I am requesting a full review of overdraft and related fees, reversal of excessive fees applied to this inactive account, and written confirmation of the adjusted balance. I am not disputing legitimate principal transactions, only the accumulation of fees

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 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am not liable for the debt of {$550.00} with LVNV FUNDING LLC I do not have a contract with LVNV FUNDING LLC, they did not provide me with the original contract as I requested with my wet signature and ID verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In late XXXX, I entered into a formal settlement agreement with Bank of America for a credit card account, requiring three payments totaling approximately {$6000.00}.

All three settlement payments were made, processed, and accepted by Bank of America : XX/XX/XXXX {$2200.00} XX/XX/XXXX {$2200.00} XX/XX/XXXX {$2200.00} The final payment was submitted two days after the scheduled due date, was accepted by the bank, and I was informed that the account was fully settled and closed.

Despite this, Bank of America continues to report the account to the credit bureaus as a charge-off with a past-due balance of approximately {$2200.00}. The account is also being reported as delinquent for over a year, which is inaccurate and does not reflect the settlement or the correct date of last activity.

I contacted Bank of America directly and a case was opened with the understanding that the reporting would be corrected within 30 days. More than two months have passed without correction. I also contacted XXXX XXXX XXXX by email and followed up after
72 business hours, but I did not receive a response.

I previously disputed this directly with the credit bureaus. Bank of America verified the information as accurate, confirming that this issue is an internal reporting error that requires correction by the company. 

Additionally, I no longer have access to this account through online banking or the mobile app because the account was closed following settlement. If a balance were legitimately owed, I would have access to the account or receive billing statements.

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 2026-01-13 00:00:00
Product: Mortgage — Conventional home 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: Ocwen Financial Corporation
State: MD

Complaint narrative:
I am submitting this complaint regarding serious and ongoing mortgage servicing errors, material misrepresentation of my loan balance, and improper escrow administration by PHH Mortgage Services.

My original mortgage originated in 2005. A {$60000.00} portion of the original debt was later
discharged through federal bankruptcy proceedings more than 13 years ago. The only remaining lawful and active loan balance is {$240000.00}.

Despite this discharge, PHH and prior servicers have continued to calculate, bill, and service my loan as though the original {$300000.00} balance remained active. This has resulted in materially inflated monthly payments, escrow requirements, interest calculations, and payoff representations that do not reflect the lawful principal balance of my loan.

I have repeatedly requested clarification, escrow removal, loss-mitigation assistance, and documentation validating the true balance and servicing authority of this loan. My communications have gone unanswered, undelivered, or ignored, and I have been unable to obtain proper review despite documented hardship.

These actions constitute improper servicing, failure to provide accurate information, and continued collection activity based on an invalid balance. I believe this conduct violates federal servicing standards and has caused significant financial harm and risk of wrongful foreclosure activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: CT

Complaint narrative:
My " XXXX '' payment method was set to directly withdraw from my checking account, and was confirmed on my end as the primary method of payment to be directly withdrawn from my personal checking account. However, the XXXX auto pay system chose to select an old debit card on file that had expired and to mark the payment as failed and/or reversed. My credit score has suffered as a result of this failed system, and if Bestegg is doing this to many hundreds or thousands of people they are making additional profit from late fees & additional interest over time in a dishonest and corrupt manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: MI

Complaint narrative:
I have been receiving calls from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are looking for an old friend with whom I am not in contact. They have been calling 2-3 times a week for months even though I have blocked them repeatedly. They are very rude and condescending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: FL

Complaint narrative:
I have been contacted by XXXX XXXX regarding a debt they claim I owe on behalf of XXXX XXXX XXXX, XXXX. 

I sent XXXX written letters requesting debt validation : The first letter was sent on XX/XX/year>. The second letter was sent certified on XX/XX/year>, and was received by the company on XX/XX/year>, at XXXX am, according to XXXX tracking. 

In my letters, I requested : Proof that XXXX XXXX is authorized to collect this debt on behalf of XXXX XXXX XXXX, XXXX ( assignment or authorization ). 

A detailed payoff statement showing the amount claimed. 

Documentation supporting that I am legally responsible for this debt. 

Confirmation of the original creditor and the exact amount owed. 

As of today, I have not received any response from the company. 

Therefore, the company is attempting to collect a debt without validating it or providing proof of authorization. I request that XXXX XXXX provide full validation of the debt or cease collection and correct any negative reporting associated with this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: OK

Complaint narrative:
Received a call from a ignorant irate over talking collector that said I owed {$500.00} and at this time it's {$850.00} to easy money and refused to provide the account number and other information purtaining to the false call then said my social security number and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
I have a Commuter Benefits account with my employer, Optum. To access my Commuter Benefits account, I normally go to OptumBank.com and select the " Transportation Services '' link to reach my personal account. However, the " Transportation Services '' link was removed from the Optum Bank page when I checked on XX/XX/year>. There doesn't seem to be another way to access my Commuter Benefits account. I've been calling Optum Bank for several days and getting the absolute runaround. No one seems to know anything about " Transportation Services '' or how to access my Commuter Benefits account, despite Optum Bank literature explaining how to access it. Here are links for proof : https : //www.optum.com/content/dam/optum/consumer-activation/unknown/Transportation_Services_Wired_Commute.pdf and https : //www.optumbank.com/commuter-benefits-accounts.html I created a previous complaint ( XXXX ). A representative named XXXX ( her number is ( XXXX ) XXXX ) called me once and left a single message around XX/XX/year>. I called her back many times and left my contact information via voicemail. She never returned any of my calls. Optum Bank also claims they emailed me, which they did not. In response to my previous complaint, they said, " To ensure timely communication, we sent an email, which was confirmed as received and read. '' How is this possible? Their system can not verify whether I received or read emails. Therefore, they are lying.

In the previous complaint, Optum Bank stated : " The Wired Commute link is not currently displayed on the Optum Bank Portal because this benefit applies exclusively to transit and parking expenses incurred while commuting to and from work. Our records indicate that you are presently on Leave of Absence ( LOA ). Once your employment status is updated to active, the Wired Commute link will become available again. '' I have returned to work from my Leave of Absence, and the link to my Commuter Benefits is still not active.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SIMM Associates, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, I submitted a written request for debt validation to SIMM Associates pursuant to 15 U.S.C. 1692g ( b ) and directed that all collection activity cease until proper validation was provided. No validation was ever provided.

SIMM Associates nevertheless sent a collection email on XX/XX/XXXX. I filed a complaint with the CFPB. On XX/XX/XXXX, SIMM Associates responded to the CFPB stating that the account had been closed, returned to their client, and that I would receive no further communications from their company.

Despite that written representation to the CFPB, on XX/XX/XXXX, SIMM Associates again contacted me by email attempting to collect the same underlying alleged medical debt, now using a different internal account number.

This is a resumption of collection activity after : A written validation request under 1692g ( b ), A cease-communication requirement, and A CFPB-confirmed closure with an express representation that no further contact would occur.

Renumbering or re-queuing the account does not extinguish prior dispute or cease-communication rights. The continued contact constitutes repeat violations of the Fair Debt Collection Practices Act and a breach of the companys prior representations to the CFPB.

I am requesting permanent suppression of my information from all SIMM Associates collection systems for this alleged debt and written confirmation that no further contact will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Suncoast Credit union repossessed my car in the middle of a complaint for the money they OWE me for disputes they did not allow me to do. On top of this no one contacted me to let me know my car was being repossessed and I am a XXXX XXXX XXXX  with XXXX XXXX XXXX in the car. So now they have essentially stolen XXXX XXXX supplies that are not their supplies, when all they needed to do was ring the front school door, tell them what they are doing and give me a chance to get my belongings back. I have no idea what I owe, and was waiting to pay until the complaint was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HOPE BANCORP, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I sent a {$3000.00} XXXX payment from my XXXX XXXX XXXX account to a XXXX XXXX XXXX account. The payment was confirmed by XXXX XXXX XXXX as completed, and the funds were debited from my account. XXXX XXXX XXXX  also claims that XXXX  XXXX XXXX received the funds. However, XXXX  XXXX XXXX reports no record of the transfer, despite all account information being verified as correct. I have contacted both banks, and although XXXX XXXX XXXX opened an internal claim, XXXX  XXXX XXXX has not acknowledged or located the funds. This unresolved discrepancy has left me without access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and i

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