vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
I am filing a complaint regarding unauthorized electronic fund transfers from my Chime account that were improperly denied my account was subjected to a series of unauthorized transactions totaling approximately {$1400.00} These transactions consisted of at least XXXX repeated charges from a merchant listed as CTLP * XXXX, typically in increments from $ XXXX {$5.00}. I did not authorize, initiate, or benefit from any of these transactions. I still had possession of my debit card at all times. The pattern of transactions is consistent with fraudulent card testing and account draining activity, not normal consumer behavior. I promptly reported the unauthorized transactions to Chime and filed a dispute. Despite the clear fraud pattern and the number of transactions involved, Chime denied my dispute quickly and without providing any meaningful explanation or documentation supporting the denial. Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions are required to conduct a reasonable investigation into unauthorized electronic fund transfers and provide provisional credit if the investigation can not be completed promptly. In this case : No provisional credit was provided The dispute was denied without a clear explanation The volume and pattern of transactions were not properly considered I am requesting : 1 A full and proper investigation into these unauthorized transactions 2 Immediate provisional credit for the disputed amount 3 Written documentation explaining the basis for the original denial 4 Reimbursement of all unauthorized charges I am prepared to provide transaction records and any additional information necessary. I respectfully request that this matter be reviewed for compliance with Regulation E requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My credit card agreement with Chase states that it will issue me a {$50.00} account credit when I book and pay for a hotel stay through XXXX XXXX website. I did book and fully pay for a hotel stay on the XXXX XXXX website on XX/XX/year>. I waited several weeks for the statement credit and after not receiving one I contacted Chase multiple times to request that it issue the credit. I provided proof of my hotel booking. To date, Chase has not provided the statement credit and has not provided me information as to why it has not despite my several times in contacting Chase. This is a breach of the card contract agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I recieved a Zelle for {$1000.00} from someone I know. Later the person reported it as unauthorized fraud even though I watched them send it to me while at their home. Zelle never even reached out to me for information and susspeneded my Zelle and XXXX XXXX closed down my account. I have used Zelle for over 100 transactions over the years with no issues. I have text and a picture of them actually sending the Zelle upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I have open 2 myself one doing XXXX XXXX XXXX dollars on investment side I cant get access to. One that I had XXXX XXXX virtual dumped and XXXX XXXX dollars dumped around XX/XX/XXXX, XXXX, or XXXX XXXX. XXXX XXXX XXXX had 3 account with my name on them how did they go to other people when died if they were mine. Bank of America Police were involved XXXX XXXX federal help with 1 2

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 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am a borrower and successor in interest on a mortgage serviced by Select Portfolio Servicing , Inc. ( SPS ). Since XX/XX/year>, I have been requesting documentation and assistance related to title issues associated with my account. This includes requests for copies of titles and confirmation that any liens have been properly handled. Over the past approximately 8 weeks, SPS has sent numerous written responses. Many of these responses appear to be duplicate correspondence sent to multiple parties and do not contain substantive information. Instead, they repeatedly state that additional time is needed, typically referencing a 30-day response period. SPS did not initially provide complete information regarding the account. For example, I was only able to obtain information about the note holder after locating and submitting a specific request through their system myself. On XX/XX/year>, SPS sent a letter stating that they required additional time to complete their research. This did not resolve the issue. Most recently, on XX/XX/year>, SPS responded by stating that I would need to work with the Department of Motor Vehicles to obtain the titles, as well as the retirement of the titles. However, SPS has not provided documentation showing that any liens have been properly released or that the titles have been properly processed. Referring me to another agency does not resolve the issue, as the necessary documentation must originate from the servicer. Additionally, SPS stated that they have provided all documentation relied upon, but key documentation related to the title and lien status has not been provided. I also sent an additional written request on XX/XX/year> requesting clear answers and documentation. As of now, this matter remains unresolved. I am requesting that SPS : Provide all documentation related to the title and lien status Confirm that any liens have been properly released Provide proof that the titles have been properly processed or retired Provide clear instructions and any required documentation if further action is needed on my end SPSs repeated delays and failure to provide complete information are preventing me from resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had and with the help of my beloved wife XXXX XXXX XXXX to call the Frauds Unit of the Bank of America three times because the Bank of America was blocking my ABSOLUTE constitutional and legal and moral right to use my SOCIAL SECURITY moneys with my Bank of America debit card! In the course of the so called " conversations '' therein I had happened to mention that I have aggressive XXXX XXXX ( though presently in remission )! NOT EVEN ONCE did any of the Bank of America employees therein ever say to me, " I am sorry you have XXXX XXXX ''! NOT EVEN ONCE! NOT AT ALL! And XXXX the third such employee even had the gall to tell my beloved wife XXXX and me that I was being " belligerent '' but it is not at all being " beligerent '' to mention I HAVE XXXX XXXX! XXXX? And so it is incumbent to commence at least a lawsuit in The Tort of The Intentional Infliction of Emotional Distress upon me and as well upon my. beloved wife XXXX XXXX XXXX aforementioned herein! That in this civilized world it is not at all acceptable to a person told that I have XXXX XXXX and for which I was treated 48 times is to receive no response at all from any and all of these employees of the Bank of America! There has yet to be any response, reply, answer, acknowledgment herein by anyone at all at the Bank of America! And I BEING XXXX know fully well what had happened to nearly all of my relatives in XXXX and in XXXX as well as to the XXXX XXXX OTHER XXXX because of this attitude as herein expressed by these Bank of America employees that I am some kind as is my beloved wife XXXX XXXX XXXX " non-person '' to whom the CIVILITIES of this civilized world are not entitled! What indeed, in fact, in deed would it have taken for these three Bank of America employees to have said to me and as well to my beloved wife XXXX XXXX XXXX, " I am so sorry, XXXX XXXX, that you have XXXX XXXX and wish you well! "?

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 2026-04-27 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/year>, I entered into an agreement for purchase and installation of a XXXX XXXX XXXX. On that date, I signed a special order proposal for the job and entered into a 24 month/ no interest finance agreement with Synchrony Finance to pay for this job. Due to numerous issues with XXXX XXXX, ( the contractor ), I contacted Synchrony, only to find that the funds had already been paid to XXXX before the job was reported completed. As a result, the job has not been completed to date and because Synchrony has already paid the contractor, he demonstrates no intention of returning to complete the job. Synchrony should not released payment before confirmation of a completed job was reported.

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 2026-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: MO

Complaint narrative:
I am filing a complaint regarding a private student loan associated with XXXX XXXX, as I believe the debt was incurred under misleading and unfair circumstances. At enrollment, I was not informed of certain academic requirements that were later enforced mid-program, including subjective assignment completion standards that were necessary to progress. While I met all published measurable requirements ( including consistently passing all required knowledge checks above the stated 70 % threshold ), my ability to continue was obstructed by inconsistent grading enforcement and lack of timely instructional support. I repeatedly requested assistance within required timeframes but experienced significant delays, including response gaps of several weeks. Due to strict course deadlines, this lack of support prevented me from completing assignments as required. Despite passing course assessments, I was later required to revisit and redo prior coursework after progressing, which further hindered my ability to stay on schedule. As a result of these practices, I was unable to complete the program under the conditions imposed. I attempted to withdraw and seek resolution, but was denied a refund. I am now being held financially responsible for a loan tied to a program I was effectively prevented from completing due to the institutions actions. I have filed a complaint with the Missouri Attorney General and am seeking relief. I request investigation into the loan obligation and whether it is enforceable given the circumstances, as well as any available options for discharge, cancellation, or other consumer protection remedies. I can provide documentation including enrollment agreements, grading policies, communication records showing delayed support, and evidence of changing requirements during the program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX allegedly sold debt too XXXX XXXX XXXX XXXX XXXX XXXX has been unable to prove any ownership of said debt XXXX XXXX XXXX took me to court and still was unable to prove ownership of this debt. The case was dismissed before I was taking to court. I requested several times that XXXX XXXX XXXX prove I owe this step to them. There was never any documentation sent to me that I owe this debt yet it was always verified all three credit bureaus claimed they verified this debt

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 2026-04-27 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:
I am filing this complaint against Bank of America regarding Claim # XXXX for an unauthorized {$2000.00} transaction that occurred on XX/XX/year>. On XX/XX/XXXX, I discovered that {$2000.00} was debited from my XXXX XXXX account ( XXXX ) via an unauthorized XXXX transfer. I immediately reported this to both XXXX and Bank of America. Bank of America initially provided a provisional credit but reversed it on XX/XX/XXXX, taking the {$2000.00} back and leaving me in a state of extreme financial hardship. I did not authorize this transaction, nor did I receive any goods or services. I have filed an official police report with the XXXX XXXX Police Department ( Case # XXXX ). Under Regulation E, I am formally requesting that Bank of America reopen this case, review the provided police report, and provide me with the 'Documents of Reliance ' they used to justify the initial denial. I request that my funds be permanently restored immediately

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 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
I saw withdrawals on my account from something called XXXX XXXX. They were drew a little over XXXX dollars. In four or five different transactions. I filed a police report I contacted my bank who told me to contact XXXX XXXX to then told me they couldn't help me and I needed to contact my bank. They ping pong me back and forth for 3 days and then my my bank refused my dispute. So I appealed their refusal sent them the police report I had and they still refuses to my dispute. I have done everything they've asked me to do I have to write every information they have asked for and they still will not give me a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: U.S. BANCORP
State: WA

Complaint narrative:
I sent a QWR ( Quilified Written Request ) on XX/XX/XXXX to US Bank esscalation center for a explanation to why they have the autority to foreclose under CFR 12 sub section 7.1024. Us Bank can not hold investment properties. 12 us, code 1707 National housing act. US Bank needs to prove right of title to said property at XXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXX. Us Bank have standing and holder of due course. Prove Us Bank has a valid chain of title to enforce debt under federal law Prove Us Bank has the autority to foreclose under federal law XX/XX/XXXX 2 QWR 's letters were sent to : Us Bank Consumer Care XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The 1st letter is the same exact letter sent to the Escalation Center and the 2nd letter is asking for all loan documentation in XXXX, all documentation to whom Us Bank sold the loan to ( Us Bank calls them Investors. Us Bank has not followed QWR requirements of acknowlegde within 5 days and respond within 30 days. On XX/XX/XXXX at XXXX Us Bank called me at XXXX and asked me to discuss options, the customer service indivdual told me on a recorded line they were sorry for giving me deliberate miss information about the process of the foreclosure and that Us Bank has not responded to my QWR letters. Us bak

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 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
XXXX XXXX Really don't remember this loan One main financial XX/XX/year> I got behind on other bills covering this bill But of more than i can chew

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
This complaint is a follow-up to a previously closed CFPB case regarding a misapplied payment. In their official response, Capital One stated that a {$20.00} check payment was moved from account ending in XXXX to account ending in XXXX on XX/XX/year>. However, my account records for account XXXX show no such transaction. There is no debit, reversal, or adjustment on or around XX/XX/XXXX that reflects this transfer. The only payment activity visible does not correspond to this claim. Because I do not have direct access to account XXXX, I am unable to verify whether the payment was received there. As a result, Capital Ones statement that the funds were moved can not be confirmed and appears inconsistent with my account history. Additionally, Capital One claimed that the original check did not include sufficient account information. I am in the process of obtaining a copy of the cleared check from my bank, which I expect will show that the correct account number was provided. I am requesting : XXXX. Documentation showing the exact transaction where the {$20.00} payment was moved, including transaction details and dates XXXX. Written confirmation that the payment has been correctly applied to account XXXX XXXX. Clarification as to why no corresponding transaction appears in account XXXX XXXX. Correction of any inaccurate statements made in their prior response The issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
On XX/XX/year>, I was first contacted by Hunter Warfield regarding an alleged rental balance of {$1300.00} which I had no prior knowledge of. I disputed the debt the same day and was advised that an investigation could take up to XXXX days. I then contacted XXXX XXXX to request documentation validating the debt. I did not receive any supporting documentation. On XX/XX/year>, I followed up with Hunter Warfield for a status update via email and phone and was informed that the account was still under investigation and no validation had been provided. I also contacted XXXX XXXX again and requested validation of the charges. While they did not provide documentation, I was informed that they had contacted Hunter Warfield to have the debt removed. However, when I contacted Hunter Warfield, I was told that no such request had been received and that the account remained under investigation. I have made multiple attempts to obtain validation of this debt and clarification of my responsibility, but neither party has provided supporting documentation, and the matter remains unresolved. Also not that it was reported as a joint account but there was no lease with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX Date open XX/XX/year> DRS Balance Updated XX/XX/year> Amount {$7500.00} Request Debt Validation Request Under the FDCPA To Whom it May Concern : I am Formally requesting validation of the alleged debt referenced in your recent communication. Under the Fair Debt Collection Practice Act ( FDCPA ), you are required to provide full verification before any further collection activity. Specifically, I request : XXXX. A signed purchase or assignment agreement, signed by all parties involved showing a complete chain of title and legal transfer of the alleged debt. XXXX. Documentation proving your company is legally authorized to collect debts in my state, including your current state license and bond information XXXX. A full itemized accounting of the alleged debt referenced, including the original creditor, dates, amounts and any added fees. Until this information is provided, you must cease all collection efforts, phone calls and reporting to any credit bureau. Please note that i have been contacted by other debt collectors about this same alleged account, and therefore require strict proof of ownership and legal authority. This request is made pursuant to 15 USC 1692G And 15 USC 1692C. Any Attempt to collect without providing proper validation will be documented as a violation. Harassment 15 U.S.C 1692D False/ Misleading Representation 15 U.S.C 1692E Unfair Practices 15 U.S.C 1692F Improper Communication 15 U.S.C 1692C Failure to Validate Debt 15 U.S.C 1692G Remedies for Violations 15 U.S.C 1692K Consumer can sue for actual damages, statutory damages ( up to XXXX ) and attorney fees Dates are wrong Date put into collections is wrong Payment history is wrong Information about the debt itself is wrong No history of the debt Debt transfer to collection

Company response to consumer: Closed with explanation