vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/year>, I communicated with a seller on XXXX XXXX regarding the purchase of golf clubs for {$380.00}. The seller made a fake shipping label with XXXX that made me comfortable with sending the money, I didn't realize til after tht it was forged. I sent the payment via XXXX to XXXX on XX/XX/year>. After receiving the funds, the seller failed to deliver the promised item and ceased all communication on XX/XX/year>. All attempts to reach the seller have been unsuccessful. I have retained all chat transcripts and transaction receipts for evidence.

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 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/XXXX I had an accident while driving a rental car in XXXX. I paid out of pocket for the damage in the amount of {$970.00}. On XX/XX/XXXX I filed a claim with Chase Credit Card XXXX XXXX . I have the benefit of auto rental insurance through my Chase Sapphire XXXX credit card. The status of my claim since then has been " Open- Pending Documents '' even though I have sent the documents several times. I called them and explained that I had sent everything that I received from the rental company ( via email and XXXX ). I was told that I needed to contact the company and ask for a " demand letter '' from them to send to Chase. I immediately emailed and requested the letter. I never received a reply. I can't call them as I don't speak XXXX. They have all of the information that they should need to see the damage and the cost of repair. I feel as though I am being scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX. I wrote your company on XX/XX/year> regarding some pressing issues that have been affecting my life. This is my first attempt to resolve this matter without further escalation. I was denied recently for a {$1000.00} credit card. Even the most basic of necessities are out of reach for my family, due to things being reported by your company. I dont want to escalate things further, I just want a swift resolution. Please refer to my letter, as it has all of the details explaining the issue. Thank you for professional attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year>, my phone was stolen in XXXX, XXXX. The thieves executed a phishing attack against my partner, obtaining my XXXX Account credentials through a fake Find My XXXX website. With my stolen phone and compromised credentials, they gained access to my bank accounts and made unauthorized transactions including XXXX XXXX top-ups and a XXXX transfer . I filed fraud claims with Bank of America upon returning to the US. Bank of America denied my XXXX XXXX fraud claim ( approximately {$1300.00} ), citing that the transactions were " authorized. '' The merchant ( XXXX XXXX ) submitted a Visa XXXX compelling evidence response citing matching device ID, login ID, and phone number all of which matched because the thieves physically possessed my stolen phone and had stolen my credentials. The transactions also originated from a XXXX XXXX address, which XXXX XXXX 's own dispute response documents, inconsistent with my Massachusetts residence. Bank of America re-evaluated and approved a separate XXXX fraud claim from this same incident on the same account. XXXX XXXX approved fraud claims for identical XXXX XXXX top-up transactions to the same merchant from the same fraud window. XXXX approved fraud claims for in-person purchases made in XXXX on the same date. All three institutions reviewed the same criminal event and found fraud. Bank of America has notified me that a provisional credit of {$530.00} will be removed from my account on XX/XX/year>. I submitted a formal written appeal with supporting documentation including a police report, FBI IC3 complaint, phishing evidence, and the three institutional fraud approvals. Despite this, the credit removal has not been stayed pending appeal resolution. I am requesting that the CFPB intervene to ensure Bank of America reviews the appeal before removing the provisional credit on XX/XX/year>, and that the XXXX compelling evidence standard not be applied to override documented stolen-device fraud where authentication signals were consistent solely because the thief possessed the device.

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 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: TN

Complaint narrative:
This company continuously harrasses and threatens me for a collections account that they purchased. They are not the original creditor or the company I owe to. I have requested that I get a signed contract sent to me by mail and have yet to receive. They call at all hours of the day and night and even after I requested that they not call until I recieved something in the mail, they cintinue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On my statement it had XXXX of {$220.00} from merchant XXXX. I called my banking service and registered a complaint. I was sent deceleration of fraud documents, filled them out and returned them. I received a denial and requested documents that banking service relied on to make this determination. I also requested details on merchant ie : name, ph #, website, what was purchased and where products were sent. I looked up company and could find details. I received another denial basically regurgitating previous email. I called banking service and they said I could not escalate any further. I am a senior on a fixed income and a out to be kicked out of my apartment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am filing this complaint regarding the closure of my Chime account. My account was closed after a review, and at the time of closure there was approximately {$28000.00} in the account. I received an email notifying me that the account had been closed, but the email did not explain what happened to the funds. When I contacted Chime by phone, I was told that the money was " not refundable. '' However, no one has provided a written explanation, the reason the funds are being withheld, or information regarding where the money went. I have repeatedly contacted Chime seeking answers and requested an explanation regarding the status of my funds. To date, I have not received a satisfactory response. I am requesting a full accounting of my account balance, a written explanation of what happened to the approximately {$28000.00} that was in my account, and the return of any funds that belong to me. I respectfully request that Chime investigate this matter and provide a detailed written response regarding the disposition of my funds. My account was closed on XX/XX/XXXX XXXX And it was opened since XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX, TransUnion, and XXXX for reporting inaccurate and unverified information on my consumer reports. The disputed accounts continue to be reported without proper verification or lawful investigation. Under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, I request the immediate deletion of all disputed accounts, collections, charge-offs, late payments, and negative transactions associated with these alleged obligations. The continued reporting of inaccurate information is damaging my consumer profile and violates my rights as a federally protected consumer. I request that these matters be investigated immediately and corrected 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 non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several unauthorized transactions that occurred on my account. Someone took money from my account that I did not authorize. I previously reported this activity to XXXX, but they have refused responsibility because the physical card remains in my possession, and no authorized cards were lost. Because someone used my financial details without my permission to initiate these charges, I am requesting that you open a formal fraud investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
b'XXXX- I went in for a timeshare presentation scheduled for XXXX@XXXX through XXXX XXXX XXXX XXXX XXXX. My presentation was pushed to XXXX. I finally left and was scheduled an XXXX ride at XXXX. I was there greater than 6 hrs as evidence by XXXX timestamp. I was sweating and eating sweets they had to offer and becoming confused due to drop in XXXX XXXX. They do not take NO for answers and keep passing me on to other managers- I had gone through one woman and three men w/ high volume tactics. A "NO" response was offered w/ plenty more options. One salesperson misrepresented the credit application to see if I qualified for any promotions. Thus, the group of salesperson(s) also failed to inform me that my credit was being pulled. \n\nLong story short, I signed a contract to get out of there. They did not give me documents that I signed. They did not even email my signed documents of contract as they informed me they will. I researched the Tennessee Timeshare Act ( 66-32-114), able to send out a certified mail w/ request to cancel within my cancellation period. \n\n\nAfter charging the amount of $XXXX to the XXXX XXXX XXXX (how they made it sound), I left there with no receipt, no contract, not even an email 9 days later. I checked my email to learn that a credit card was applied under my name- I put the pieces together to realize XXXX Sales person opened a credit card and it was charged to this XXXX XXXX XXXX Credit Card through Barclay. I contacted the creditor XXXX XXXX explaining to them the misrepresentation of card application.\n\XXXX XXXX After explaining the misrepresentation of the credit application, the Barclay agent provided me w/ XXXX number and directed me to call XXXX to inform them and to call them back.'

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 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I requested information regarding the status of my Western Union claim and investigation. My mother sent me a {$60.00} money transfer on XX/XX/year>. When I attempted to pick up the funds, Western Unions system indicated that the transfer had already been paid out, even though I never received the money. I immediately reported the issue to Western Union on XX/XX/year>, and a claim was opened. My mother, the sender, participated in the call with me and confirmed that she had sent the money to me. I requested information regarding who received the funds, whether the payout was authorized, and what steps Western Union was taking to investigate the matter. I also requested that the {$60.00} be paid to me or otherwise recovered and reimbursed, as I am the intended recipient and never received the funds that were sent to me. Western Union advised me that I would receive an update or resolution by XX/XX/year>. After that date passed without any response, I made multiple follow-up calls to request updates on my claim. On or about XX/XX/year>, I contacted Western Union and was informed that there was still no update available. I was told that I would receive a response within 24 to 48 hours. After receiving no response, I contacted Western Union again on or about XX/XX/year>. During that call, I was again told to wait an additional 24 to 48 hours and was advised that a follow-up email would be sent to the escalation department. When I contacted Western Union again on XX/XX/year>, I was informed that there was still no update available. I was also told that no estimated completion date or timeframe could be provided for the investigation. Representatives were unable to explain the status of the claim, identify what stage the investigation was in, or provide any meaningful information regarding when the matter would be resolved. Despite multiple calls and repeated requests for information, I have not received a clear explanation of what happened to the money transfer, who received the funds, or when I can expect a resolution. I am seeking a prompt resolution of this matter, a clear explanation of what happened to the money transfer, and payment or recovery of the {$60.00} that was intended for me but that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
XX/XX/year>. {$100.00} that my escrow amount went up and was not aware of this. I have never been 30 days past due with any one nor with this company that I have been with 15 years. they basically sent a letter and scolded me that they did not have my current address nor telephone number to correct the problem. But yet their regional XXXX Florida office was calling me asking about refinancing. My payments are auto bill pay through my bank and I never got the statement. When I discovered my escrow went up by {$100.00} I immediately paid it and had them change all the addresses and phone numbers. they were rude and a supervisor ( XXXX XXXX # XXXX said that they CAN NOT CHANGE ANYTHING. Basically too bad so sad. I paid the full previous P & I plus escrow for the years past but missed this one in error. ( again did not know ). their customer service is horrible. When you call them, the first thing they as in customer service are you " intending to keep the property ''. Even when you call them for any information>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX XXXX, someone accessed my Wells Fargo online personal checking account and set-up two fraudulent bill-pay transactions referencing two credit cards that do not belong to me or anyone in my family. Two identical payments of {$7000.00} were made, one right after the other, to two different credit cards, a XXXX XXXX ( card # XXXX ) and a XXXX XXXX card ( card # XXXX ). Wells Fargo responded simply, " Our research shows the disputed activity was made through a secure online banking session by you or someone who had your authority. '' No attempt was made to determine who the credit cards belonged to and no consideration was given to the fact that we have never made any payments to either of these credit card companies in the past. Wells Fargo also saw nothing suspicious about consecutive payments of identical amounts to two different credit card companies in such a short time frame.

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 2026-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
My family moved into the apartment in XXXX of XXXX up until XX/XX/XXXX. Up from XXXX to XXXX I have paid every rent balance in full, leaving my balance to zero every time. Before moving in, we also had to put down a security deposit of {$1100.00}. Now we did have " property damage '' to one of the bedrooms from bbq sauce spilled on one of the carpets in the main bedrooms. Because of that, the apartment complex ended up charging us {$430.00} to replace all of the carpets in the apartment even though it was only one rooms carpet that needed to be cleaned. Before officially leaving the complex we were told that we would get our last statement of charges in the mail with XXXX rent ( for XXXX days ) and a final utilities bill. When I received the last bill, it had past charges from XXXX and double charges for the same thing making our balance incorrect. We've tried to talk to the complex about it, but they just made up excuses about the other false charges. XXXX. XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XX/XX/XXXX : {$71.00} XXXX. XX/XX/XXXX - Damage Charges- XXXX XXXX. XX/XX/XXXX - Final valet services - XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX - XXXX XXXX fee - XX/XX/XXXX - XX/XX/XXXX - {$19.00} XXXX. XX/XX/XXXX - late charges- {$100.00} XXXX. XX/XX/XXXX - W/S - XX/XX/XXXX - XX/XX/XXXX - {$61.00} XXXX. XX/XX/XXXX- XXXX services XX/XX/XXXX - XX/XX/XXXX - {$130.00} XXXX - Utility admin fee XX/XX/XXXX - XX/XX/XXXX - {$4.00} XXXX. XX/XX/XXXX - Rent - {$440.00} XXXX : {$1400.00} outstanding balance {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/year> my lender reached out to shellpoint to request a subordination. I was included in the emails and provided authorization. Shellpoint will not respond or provide the necessary documentation in order for me to close on my refinance. I have called about XXXX times and nothing happens. I have spent XXXX locking a mortgage rate and it keeps expiring due to shellpoint being incompetent.

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 2026-06-01 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: CA

Complaint narrative:
I have many unauthorized transactions with my Chime Checking account after my card had gotten stolen and compromised. The total is {$2100.00} and it spans from XX/XX/2026 all the way until XX/XX/2026. Ive tried to gather my funds back with the company but they keep saying no error occurred even though my all of these charges I dont recognize. This isnt the first time chime hasnt returned my money that Ive lost due to fraudulent transactions.

Company response to consumer: Closed with explanation