vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — FHA 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: Idaho Housing And Finance Association
State: WA

Complaint narrative:
HomeLoanServ has refused to offer me a forbearance, or loan modification. I told them why did not they offer that if they knew I would be paying late after I called them about receiving unemployment insurance weekly and it wont be monthly. They said I am not qualified for it until 60 days but for the loan modification, I am not qualified until XXXX, 2026. It does not matter which dates or so. They should have offered me the plan when I called. They never did. They kept threatening about foreclosure my house. They also blocked me from contacting them using email. See the attached doc. They also refused to remove late fee or interest fee even though they have already known that I get income from unemployment insurance and it started in XX/XX/XXXX that I received the back up payments from XXXX XXXX XXXX. I have searched over XXXX jobs to no luck. They also accused me for keeping the house in the market when it is NOT AT ALL. It is already off the market. See attached doc between previous relator and me. They did not offer me a forbearance and deleted the plan, while treating me as if I am a criminal person. I see no other options, but to do the short sale. They forced that on me. With the force on Short Sale and removal of the forbearance or loan modification or other lower payment plans, I file against the HomeLoanServ and XXXX XXXX ( due to no appraisal done on the septic tank and incorrect value of the house ) within WA Human Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc.
State: PA

Complaint narrative:
In or around XXXX XXXX, a jewelry merchant arranged financing for a chain using American First Finance. The merchant stated that additional financing was needed to reach the total purchase amount and facilitated opening an account in my name. 

I later learned that this financing was used for a single jewelry chain, and that multiple financing agreements were opened using different people for the same item, even though only one physical chain existed. I did not receive any separate or additional merchandise associated with the account opened in my name. 

After the purchase, the chain was found to be poor quality and not as represented. Attempts were made with the merchant and finance companies to resolve the issue, but no refund, exchange, or coordinated resolution was provided. 

Because the issue was never resolved and the item was financed multiple times, the chain was eventually sold at a loss in or around XXXX XXXX to mitigate further financial harm. I no longer possess the merchandise and can not return it. 

Despite this, billing related to the financing account in my name has continued, and clear information or a reasonable resolution has not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: SC

Complaint narrative:
I just woke up this morning and chimed sent me a email saying they are closing my account I called and asked why they said they couldnt tell me why and I beeen with them go 5 years and I enjoyed using theyre bank I didnt do any fraud or anything like that so now they just randomly closing my account is not cool can you please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, JPMCB has violated my rights. Under 15 USC 1681 Section 602, states I have the right to privacy. 15 USC 1681 Section 604A Section 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
I had my wallet and phone stolen on XXXX. Someone had placed several fraudulent charges on my account. I notified sofi immediately and they didn't even put my account on hold they said in order for me to dispute the transactions they had to post. Meanwhile I still have to pay bills, rent etc. So we order a new debit card then my account says restricted after disputing {$820.00} in charges with customer support. They said they are closing my account but will not tell me where my {$820.00} is going. I am requesting they mail me a check immediately in the amount of {$820.00} that is my rent money and im being punished because someone stole from me. This has never happened to me before and this is my first time ever having a card/wallet/phone stolen. I read online that they do not even have a fraud department. I just want to make sure my funds are handled correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Klarna AB
State: UT

Complaint narrative:
I am requesting help with a refund of {$1400.00} from Klarna. The refund was originally charged from my bank account but was credited to Klarna Balance, which I can not access because I do not have a XXXX ID ( I only have my passport ). 

I also deposited {$50.00} to use with my Klarna card via XXXX XXXX, which I was never able to use. 

Klarna is holding my total funds of {$1400.00} without access or authorization. I request the money be returned immediately to my bank account. 

I have attached screenshots of the refund, deposit, and my ID ( passport ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
Loan taken out XX/XX/XXXX, roughly {$4100.00}. 
Collateral : XXXX XXXX XXXX XXXX, XXXX, mileage- roughly XXXX miles. 
Fair market value, about {$1500.00} Seemingly, this loan is structured like a mortgage, with an amortization schedule that has the consumer paying almost solely interest, and nothing on the principal. 

In/around XXXX of XXXX, I requested a modification, and was told they wouldn't. 

I've paid approximately {$5800.00} on this loan, none of which has touched the principal. 

In fact, I logged in earlier today, my balance was {$4500.00}, and logged in minutes ago, and it jumped to XXXX. 

The monthly payment is {$620.00}. It's not sustainable. It never was sustainable, if using solely my income, which is $ XXXX pension payment. 

My spouse is a XXXX XXXX, he brings in the bulk of our household budget. He isn't on this loan. 

I sent XXXX communications to Titlemax asking for modification of the loan structure - terms, interest, and monthly payment. 

In earnest, no company should be able to legally set up terms that are this predatory!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Complaint Narrative : I am filing this complaint against XXXX ( PayPal Holdings , Inc. ) for a violation of the Electronic Fund Transfer Act ( Regulation E ) regarding an unauthorized {$420.00} charge by XXXX XXXX. 
The Facts : On XX/XX/year>, I entered into a specific, written payment agreement with XXXX XXXX. This signed contract ( attached ) explicitly revoked any previous authorization for card charges and established a 20-day window for me to pay via mailed check. 
Despite this written revocation of card authorization, the merchant used card data " on file '' to pull funds via XXXX  just 24 hours later. I did not sign for, PIN-authorize, or otherwise consent to this card transaction. 
XXXX  Failure : I disputed this charge with XXXX, providing the signed waiver as proof that the transaction was unauthorized. XXXX  denied the dispute, claiming that because I " know '' the merchant, the charge is authorized. This is a direct violation of 12 CFR 1005.2 ( m ). A transaction is unauthorized if it is initiated by a person without actual authority. By signing a contract for a check payment, any " standing '' card authority was legally terminated. 
XXXX  is refusing to perform its error-resolution duties under Regulation E, instead insisting that I provide a " refund receipt '' from a merchant that is uncooperatively holding stolen funds. 
Furthermore, XXXX processing of this transaction was negligent and inconsistent with standard consumer protection safeguards. At the time this unauthorized {$420.00} charge was initiated, my XXXX  account balance was only {$7.00}. 
Failure to Decline : Standard protocol for a debit transaction with insufficient funds is an immediate decline. XXXX  instead allowed the merchant to pull funds that were not available, creating a massive negative balance without my consent. 
Abusive Practice : Allowing an unauthorized merchant to 'overdraft ' a consumer account by hundreds of dollarsespecially after that consumer has signed a separate agreement to pay via checkis an abusive and predatory practice. 
Non-Consent to Overdraft : I have not opted into any overdraft service that would authorize XXXX  to approve a $ XXXX transaction on a {$7.00} balance for a charge I did not sign for or authorize. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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 disputed a credit card charge for a moving company deposit where no services were ever rendered. The mover canceled pickup, never arrived, never weighed my goods, and never issued a Bill of Lading or weight ticket. 
The merchant materially changed the price after the estimate and I canceled the move in writing. Despite providing written cancellation confirmation, XXXX  and XXXX complaints, Chase denied my dispute twice by classifying it solely as a billing error and not addressing the fact that no services were performed and regulatory requirements were not met. 
I am requesting a regulatory review of Chases dispute handling and reconsideration of the charge based on non-performance of services and deceptive merchant practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NV

Complaint narrative:
Company : Chime Financial , Inc. 
Product : Checking account / Debit card Issue Type : Fraud, dispute handling, account closure / termination I am filing this complaint regarding Chime Financials mishandling of a fraudulent transaction, misrepresentation of fraud protection, and the subsequent retaliatory closure of my account. 

I have maintained my Chime account since Chime first opened and, prior to this incident, had never filed a single dispute or fraud claim. My account history reflects long-term, low-risk usage. 

On Tuesday, XX/XX/year>, I received a Chime fraud alert via text message asking whether I attempted a transaction for {$98.00} at XXXXXXXX XXXX XXXX. I responded NO within approximately one minute, as instructed. Chime then sent a confirmation stating that the transaction was blocked and no funds were taken from my account. 

Despite Chimes explicit representation that the transaction was blocked, I later discovered upon reviewing my account statement that the transaction was not blocked and was instead processed/posted. I relied on Chimes fraud alert confirmation and was misled regarding the status of this transaction. 

I subsequently filed a dispute for this unauthorized transaction my first dispute ever and shortly thereafter Chime initiated closure of my account without providing any meaningful explanation. Chime representatives repeatedly stated the closure was a business decision and refused to discuss the discrepancy between the fraud alert confirmation and the posted transaction. 

When I attempted to escalate the issue, Chime instructed me to contact XXXX XXXX  ( the issuing bank ). However, the phone number provided redirected back to Chime, creating a circular and obstructive process that effectively denied me access to dispute resolution or the issuing bank. 

Key concerns include : Chime misrepresented that a fraudulent transaction was blocked when it was not I relied on that representation to my detriment My account was closed immediately after exercising my right to dispute an unauthorized transaction This was my first dispute ever on a long-standing account Chime refused to provide transparency or a written explanation Chime denied meaningful escalation by redirecting me in a circular manner between Chime and XXXXXXXX XXXX I believe this conduct constitutes unfair and deceptive practices, a failure to honor fraud protections, and retaliatory account termination following a consumers lawful dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Closed my capital one account and didn't provide me info. Kept saying need to destroy cards. Closed account on the XXXX and sent letter same day didn't give prior notice. Payments were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
Over the weekend of XXXX someone charged {$1000.00} at the XXXX store in XXXX MT using my Bank of America card. I received a text from BofA as this was suspicious to them and I immediately closed the card and reported fraud. They issued me a temporary credit for the amount and issued me a new card. They processed and denied my claim on XX/XX/XXXX. I called and reopened the claim on the XXXX, and requested any and all documentation regarding why they denied me and what did I assumably purchase. Called again on the XXXX as the website does not show the re-opening of my claim and was assured it was reopened however the temporary credit was removed and I now have this added to my balance. To date have not received anything, the emails they send are useless - when I click on the link that is supposed to show me what they have it shows nothing. On XX/XX/XXXX, I reached out to XXXX and filed a claim. I was told the person charged in store. I received an email that basically said they couldnt research this - I emailed back that this seemed to be unbelievable, and received a second email that they would research it. This has gone on longer than it should. I was never in XXXX the entire month, I have people who will attest to this.

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 2026-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
Complaint Narrative I am a XXXX California resident disputing a XXXX loan serviced by Launch Servicing LLC for XXXX XXXX XXXX XXXX XXXX installed at my rural home in XXXX XXXX, California XXXX 

The original solar installer is out of business. The system has experienced serious and ongoing failures, including a complete shutdown, malfunctioning XXXX XXXX and XXXX panels producing substantially less energy than designed. The system has never operated at full promised capacity. 

Due to the lack of service support, I was forceddespite my age and medical conditionsto climb onto my roof myself to perform emergency repairs during winter freezing conditions to avoid losing heat. I live alone on a ranch, approximately XXXX hour from the nearest hospital, and this situation posed a serious risk to my health and safety. 

My physician is aware of the XXXX XXXX this dispute has caused and has instructed me not to perform repairs, yet no service assistance has been provided. 

Despite my lawful dispute, I received notice alleging a missed payment. Under the FTC XXXX XXXX and California consumer protection law, the lender is subject to claims and defenses arising from the sellers defective performance. 

I am requesting that Launch Servicing LLC : Suspend payments and collection activity Cease any negative credit reporting Assist in arranging proper repair at no cost Acknowledge lender responsibility for a defective financed product This situation has caused extreme stress and medical hardship and requires immediate intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing a complaint regarding PayPals failure to properly investigate and reimburse a fraudulent transaction totaling {$4800.00}, which was withdrawn directly from my checking account. 

I purchased a XXXXXXXX XXXX XXXX XXXX XXXXhrough an XXXX XXXX  listing. After payment, the seller provided multiple tracking numbers that were fraudulent. Multiple tracking numbers predate my payment, were delivered to different addresses that are not mine, and were reused to falsely suggest shipment. 

Despite this clear evidence of fraud and misrepresentation, PayPal closed the dispute in the sellers favor. The item was never delivered to me, and the seller still has the same item actively listed for sale on XXXX XXXX as of XXXX, further confirming non-delivery and intent to defraud. 

PayPal accepted invalid tracking information that does not correspond to my address and failed to identify obvious fraud indicators, including recycled tracking numbers and mismatched delivery locations. 

Funds were withdrawn via ACH directly from my checking account. I am requesting PayPal : Reimburse the {$4800.00} fraudulent debit Conduct a proper fraud review consistent with consumer protection standards Explain why fraudulent tracking information not addressed to the buyer was accepted as proof of delivery A police report has been filed, and my bank has opened a fraud investigation under Regulation E. 
I also filed an XXXX Complaint ID XXXX. 
I filed a XXXX XXXX XXXX XXXX XXXX # XXXX. Theft by fraud by deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems LLC is reporting and attempting to collect a debt that is the result of identity theft. 

The account was originally opened with XXXX XXXX around XX/XX/year> without my knowledge or authorization. I did not apply for this account, sign any agreement, or receive any funds or benefit from it. 

Jefferson Capital Systems LLC began reporting the account as a collection with a balance of approximately {$3500.00}. I disputed the account with the credit reporting agencies and indicated that the account resulted from identity theft. 

Despite being notified that the account is fraudulent, Jefferson Capital Systems LLC continues to report the account as an open, derogatory collection, causing ongoing harm to my credit. 

I am requesting that Jefferson Capital Systems LLC cease all collection activity and permanently delete this fraudulent account from all credit reporting agencies in accordance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX Ikea Credit Card Multiple calls, early morning. Holidays and every day. 
Stalkers They never fulfilled a payment agreement I made, and they didn't waive the late payment fees I incurred, even though they promised to do so verbally.. 
I called repeatedly, spoke with a supposed manager, and he never resolved the problem, even though he promised to do so verbally. They lied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
After deciding against refinancing the loan in XXXX of XXXX, I have been unable to access my payment portal for my open loan, I can only see information for the canceled refinance. I can access contracts and view payments, but there is no way for me to make a payment or change payment information. I have called several times to get this fixed. At first the only affect of not being able to access the portal was that I was unable to make extra payments to pay the loan off faster because my loan was automatically drafted from my bank. When I changed banks, I tried again to get help accessing my portal. I tried in XXXX, XXXX, and XXXX when I received emails that my payment was returned ( because I changed banks ). I called again today which is XX/XX/XXXX because I received notice that I have been reported to the credit bureau for non payment. I was told today that there was no correspondence noted in their system since XXXX. When I asked how is that possible since the portal shows a canceled refinance in XXXX XXXX. Because it is a very high interest, I have been charged over {$200.00} since XXXX in interest and been reported to the credit bureau. It is impossible to pay off a loan when you can't access a payment portal. I was told today that she noted in the system that I called, she filed a ticket for IT to fix my portal and I need to just keep checking daily to see if my portal is accessible. As for all of the accumulated interest and credit reporting, I have to contact another department.

Company response to consumer: Closed with explanation