vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I did a chime to chime account transfer using someone in my contacts. It sent it to another person who had the same name as my brother. After it was sent all that persons info came up with his location which was in a different state that my brother was in. Called chime right away to tell them my money was sent to the wrong person but first same name as my brother. They told me to request the money back. After sending XXXX requests to send back my money the person said No he wasn't sending me back my money. Chime will not contact him to try and get my money back. The man has blocked me. Chime will not do anything when it there system that gives u info on that person after money is sent. If there system would have said prior to sending that that person was in XXXX XXXX XXXX I would have never send the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I am filing a complaint regarding the servicing of my federal student loans by MOHELA. I have not been receiving required billing statements or documentation about my loan status, which has prevented me from monitoring my account or addressing issues in a timely manner. Despite being enrolled in school, interest has continued to accrue on my loans. This raises concerns that my in-school deferment status may not have been properly applied or that my enrollment status was not correctly processed. Because I did not receive billing communications, I was unaware of these issues until after interest had already accumulated. This lack of transparency and communication has negatively impacted my account. As a result, I am requesting the following : 1. A full audit of my account, including enrollment status reporting and interest accrual 2. Written documentation explaining why interest accrued during my period of enrollment 3. Correction of any errors related to my in-school status 4. Deletion of the loans as I have been misled and my calls for clarification have been unanswered/returned If these issues are not resolved, I will pursue further escalation through federal student aid oversight channels. My loans date back to XXXX and were disembursed while I attended XXXX different schools in this time : XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
The bank has blocked all my phone interactions but my XXXX XXXX was flagged due to a false fraud claim that was opened by mistake from my understanding the card in my possession will not work until a supervisor calls me to do a security check so a new card can be issued well guess what cause they have blocked my phone services I can not get a new card to make charges on the account and no one at Comenity will help me with the issue they just want to call me abusive but not help me with my account issue and I shouldnt have to write a company in regards to getting a new card and when sending a message to the online support staff they tell me they can not assist me and to call in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 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: Block, Inc.
State: MO

Complaint narrative:
My Cash App account was closed after I sent a personal payment to a friend in the XXXX XXXX. The payment note included the word XXXX because the funds were supporting her XXXX XXXX XXXX to XXXX. No money was sent internationally and the transaction was between XXXX XXXX users. I attempted to appeal the account closure through Cash App support and waited more than 10 days for a response. When I followed up, I was told the decision was final without a clear explanation of what activity violated their policy. I am requesting that the account closure be reviewed because the payment was a normal personal transaction and did not involve sending money internationally or to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: OH

Complaint narrative:
I am disputing the XXXX account because the information reported is inaccurate and misleading. The account does not reflect a traditional line of credit and is being reported in a way that misrepresents my creditworthiness. Please verify this account and remove it if it can not be properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account with XXXX XXXX is a result of identity theft please remove from my credit report immediately and block all attempts to add this file to my credit report

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 2026-04-08 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: IL

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, fraudulent charges equaling {$800.00} was made to my Chime/XXXX XXXX account from XXXX. On Monday, XX/XX/year>, I disputed the charge. On Tuesday, XX/XX/XXXX, the dispute was denied. I contacted Chime to request additional information and they were not able to provide this right away with any specific details.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: CA

Complaint narrative:
I am filing a complaint regarding a reservation booked through Chase XXXX ( Trip ID : XXXX, Hotel Confirmation : XXXX ) for a stay from XX/XX/year> to XX/XX/year> at XXXX XXXX XXXX. I booked this reservation under the hotel category. However, upon arrival at approximately XXXX PM on XX/XX/XXXX, I was informed by the front desk that the room was not managed by the hotel but by a separate private owner. The receptionist explained that I could not check in without specific instructions, including a room number and access code, which only the owner could provide. Due to privacy policies, the hotel staff was unable to assist further. I did not receive any check-in instructions prior to arrival. I checked all emails and contacted Chase XXXX immediately, but no one was able to provide the necessary information. I remained on hold with a Chase XXXX representative for over XXXX hours, and was then told that the issue would require an investigation of at least XXXX hours. At that time, I had no place to stay and could not reasonably wait XXXX hours, so I was forced to book another hotel nearby at my own expense. I did not receive an email with instructions to call a number for check-in until approximately XXXX AM on XX/XX/XXXX, well after my scheduled check-in time had passed and after I had already secured alternative accommodations. I made multiple requests ( over XXXX times, totaling more than XXXX hours of communication ) for a refund, at least for the unused nights, since I was unable to access the property due to lack of required check-in information. My requests were denied each time, citing a strict nonrefundable policy. I believe this policy should not apply in this situation, as the failure to provide necessary check-in instructions prevented me from accessing the accommodation. Additionally, I experienced significant delays, lack of timely communication, and no meaningful follow-up despite being promised responses within XXXX hours. I repeatedly requested updates from supervisors but did not receive proper responses. I am seeking a fair resolution, including a refund for the unused reservation, as I was unable to check in due to the companys failure to provide essential access information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I closed my business and I lost everything and Im survived by XXXX XXXXXXXX check

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
I have been using my Bilt.XXXX credit card to pay my monthly condo fee for about XXXX XXXX. The condo fee was automatically charged to my Bilt credit card on the XXXX XXXX XXXX XXXX XXXX, and the credit card balance was then paid through auto-pay on the XXXX of each month. In XX/XX/year>, BiltXXXX switched its credit card issuing partner from XXXX XXXX to a new card issuer. At that time, customers were informed that we would not need to relink our condo fee account to a new credit card because, if we applied for the new card, we would keep the same credit card number. I did so. On XX/XX/year>, I was unsure whether the condo fee due on XX/XX/XXXX had already been paid, so I submitted a payment of {$1000.00} toward my credit card for the month of XXXX. However, on XX/XX/XXXX, I received a bill from my condo informing me that I had missed the XXXX payment. As a result, they charged me a {$150.00} late fee and added the XXXX condo fee, bringing the total amount due to {$2000.00}. On XX/XX/XXXX, BiltXXXX paid the {$2000.00} bill, and on XX/XX/XXXX, they withdrew {$2000.00} from my bank account without applying the {$1000.00} that I had already paid on XX/XX/XXXX. I then checked my BiltXXXX account and noticed that the link between my condo fee account and my Bilt credit card had been removed in XXXX. Because of that, my condo fee was not charged to the credit card as it had been previously. On XX/XX/XXXX, I called the new XXXX issuer to explain the situation. They saw the issue and told me to contact BiltXXXX to request a refund of the {$1000.00}. Since the only way to contact BiltXXXX is through chat on their website, I did so, which created a support ticket and led to email communication. I explained the situation to them. On XX/XX/XXXX, BiltXXXX acknowledged the problem but told me to call the XXXX issuer to request the refund. I called the XXXX issuer again as instructed, but they told me that I needed to work with BiltXXXX to get the refund. I then contacted BiltXXXX again to request either a refund or that the {$1000.00} be applied to a future payment. This was their reply : Unfortunately, we are not able to make any changes or process any refunds related to statement payments. Were sorry for any disappointment, but this is simply not something we are able to do on our end because we do not have access. This is something only our card servicer can assist with. So, where did that {$1000.00} go? Which party has it? They blamed each other and refused to refund me back the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: TX

Complaint narrative:
Remediation program information mailed to me by Wells Fargo, in their own rules they stated a XXXX hour mediation would be available for each claim and that it was optional with no deadline to file. I filed for my XXXX claims individually however Wells Fargo refused to offer me mediation as requested per their own agreement sent to costumers for remediation. Also during the one mediation I was able to obtain through the program, the mediator stated that the monetary amount I was asking for was too high and that no one gets that much interjecting her bias as if working on behalf of Wells Fargo interest rather then being an unbiased mediator.

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a Chase Secure Banking account in branch on XX/XX/XXXX. After returning home the same day, I realized there was a {$120.00} promotional offer for Secure Banking available on the Chase website. I then called customer service to provide the promotional coupon code. During that call, the representative confirmed that applying the coupon was successful. I also double-checked with the representative to make sure the promotion had been applied to my account. The call took place on XX/XX/XXXX at approximately XXXX PM EST, lasted about XXXX minutes, and was made to XXXX. Based on that confirmation, I completed all of the qualifying requirements for the promotion, which included completing XXXX transactions within the required timeframe. After completing these requirements, I expected to receive the {$120.00} bonus, but it was never credited to my account. When I first contacted Chase about the missing bonus, I was informed that they could not see the promotion attached to my account and that I would need to provide the original coupon code. I no longer had the coupon code itself, as it was only available on the website at the time and not sent to me via email, but I had all other supporting information, including the exact date and time of the call, the duration of the call, and the phone number dialed. The representative on the recorded line confirmed that the promotion had been applied, which I relied on to complete all qualifying steps. I began contacting Chase regarding this issue starting on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I exchanged approximately XXXX secure messages/emails through the Chase app with different representatives. During this time, I repeatedly explained the situation, provided the supporting information, and requested that the call recording be reviewed. I was told multiple times that the issue would be reviewed or escalated, but I continued to receive generic responses that did not address my specific situation. At one point, I was informed that a formal review had been submitted. After following up again when I did not receive an update, I was told the case was still under review, so I allowed additional time. However, when I followed up again, I was informed that my complaint case had been closed, without any clear explanation of the outcome and without confirmation of whether the XX/XX/XXXX recorded call was ever reviewed. My complaint case number is XXXX. I am not requesting that a new promotion be added. I am requesting that Chase review the XX/XX/XXXX call, verify that the representative confirmed the promotional code was successfully applied, and honor the {$120.00} bonus accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: CA

Complaint narrative:
There are fraudulent charges from XXXX XXXX on my Bank of America checking account. I have no account or agreement with this company, and these charges are not authorized. Please see the attached FTC Identity Theft Report. I request an investigation, removal of the fraudulent charges, reimbursement and confirmation once this issue is resolved.

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 2026-04-08 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: RENASANT CORPORATION
State: GA

Complaint narrative:
I am filing a complaint regarding my banks refusal to properly investigate a dispute involving a merchant who failed to provide services. I canceled my order within approximately XXXX hours of purchase. The amount changed was {$390.00}. At the time of cancellation, no goods had been delivered, no materials had been used, and no labor had been performed. The merchant later resold the item to another customer. Despite this, the merchant retained my funds under a non-refundable clause, even though no actual services were rendered and no legitimate costs were incurred at the time of cancellation. I escalated this matter to a disputes supervisor, XXXX, on XX/XX/year>. He refused to reopen or further investigate the dispute and declined to provide additional identifying information, stating he was the only individual with that name in the department. The bank has incorrectly treated this as a valid charge solely because it was authorized, rather than properly evaluating it as a billing error involving services not rendered. I am requesting that the bank reopen and conduct a proper investigation into this dispute in accordance with applicable consumer protection laws and card network rules.

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 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: TX

Complaint narrative:
Category : Consumer Protection Improper Debt Collection / Rental Car Dispute Company : XXXX XXXX XXXX and Viking Client Services ( Debt Collector ) Summary : I am filing a complaint regarding XXXX and Viking Debt Collection for attempting to collect payment for alleged rental car damage that was pre existing. I have time stamped photographic evidence taken at pickup showing the damage. XXXX has not provided any documentation to support its claim. Despite my written disputes, XXXX forwarded the claim to Viking Debt Collection without validating the debt, which is improper and misleading. Viking has since sent physical collection notices but has not provided any method to dispute electronically or any validation of the debt. Details : The alleged damage existed before I rented the vehicle. I documented the damage with time stamped photos at pickup. XXXX has not provided : -- Pre rental inspection report -- Post rental inspection report -- Photos -- Repair invoice -- Timestamp of alleged damage I disputed the claim in writing multiple times. XXXX ignored the dispute and sent the claim to Viking. Viking is attempting to collect a debt that is unvalidated and disputed, which may violate the Texas Debt Collection Act and the FDCPA. Viking has not provided any validation of the debt or a way to dispute electronically.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I formally terminated my legal representation and notified the company via their XXXX XXXX department that I am now a self-represented party. This notification included a signed termination of counsel. The company previously settled a legal claim with me for {$1700.00} regarding documented telecommunications violations. Following my shift to self-representation, I sent multiple written directives on XX/XX/XXXX and XX/XX/year>, requesting the necessary settlement release forms and tax documentation ( W-9 ) to facilitate the direct issuance of these funds to my address. The company has failed to provide these documents or acknowledge my direct inquiries. Furthermore, the company confirmed that the underlying debt associated with this matter was transferred to a third-party debt buyer. I have a reasonable belief that the company is improperly withholding my personal legal settlement funds or attempting to " offset '' these funds against a debt they no longer own and have already transferred to another entity. I am requesting that the company immediately provide the settlement agreement and tax forms to my email address so that the {$1700.00} payment can be issued directly to me as the rightful claimant. I am also requesting a formal confirmation that my private financial information and settlement funds are not being shared with my terminated counsel or the third-party debt buyer without my express written authorization.

Company response to consumer: Closed with explanation