vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have several cash app accounts open in my name that have possible unauthorized transactions from the last year i need to be reported and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/year>, I received an email from Chime stating that my account was scheduled to be closed on XX/XX/year>, giving me less than one day before closure. The email stated that my account would be restricted prior to closure and would be unable to accept certain incoming transfers. It also stated that any remaining balance would be mailed by check after closure. At the time of closure, I did not have an active balance in the account. However, I had pending refunds and disputed credits related to unauthorized transactions and duplicate charges that were expected to be returned to my account. As of XX/XX/year>, all of these disputes have been approved and refunded, meaning funds belonging to me are currently tied to the closed account. In the weeks leading up to the closure, I filed approximately 4-5 disputes related to unauthorized transactions and duplicate charges. These disputes were legitimate, and the recent disputes were approved by Chime. I have never been informed that I committed fraud or violated any account terms. Since the closure, I have contacted Chime customer support multiple times seeking clarification regarding the closure and the timeline for receiving my remaining funds. Representatives have refused to provide any meaningful explanation for the closure and have provided conflicting information regarding when I should expect a refund check or access to the funds credited after account closure. I am requesting : XXXX. Release of all funds currently associated with my closed account, including approved dispute refunds ; XXXX. Clear written confirmation regarding the timeline and method of payment for those funds ; and XXXX Review of the account closure decision and possible reinstatement of my account. I believe consumers should receive consistent information and reasonable notice regarding account closures, especially when pending dispute refunds or credits are involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Was unable to access my account ( opened by me in XXXX ) because I wasn't getting the code for my 2-part authentication. I began checking on a XXXX XXXX, XX/XX/XXXX. I typically check all of my accounts 1-2 times per week. I waited until the following week to address the " glitch ( is all I thought it was ). Got a call earlier on XXXX that they tried again. This time, I GOT the call and adamantly denied/stopped the transfer. The woman gave me a number that I found suspicious so I went to a physical branch to authenticate the number before I called her back. Was told it WAS a legit Wells Fargo Fraud number, and to call her back with the info she requested ( wanted to know if my wife may have authorized another transfer, which she had NOT ). The branch manager overheard this and told me something smelled suspicious. We went into his office and called that number. it was THEN ( XX/XX/XXXX ) that all this came to light. the FIRST I had heard. He thought that, they got on my computer and got themselves put on my account ( HOW they did that, I do NOT KNOW ). He showed me the transfer ( {$10000.00} ), and Wells Fargo Fraud on the line tried to verify the phone numbers on the account. My number and my wife 's number ( the ONLY legitimate numbers on the account ) were not there. The ONLY phone number left on the account belonged to " XXXX XXXX ''. All notification to ME were blocked and she was getting them. To this day, no one has told me ANYTHING about how this happened, or how she got on our account ( an account my wife and I have had for 35 years with NO one else on the account ). I don't know WHO this person is, have never heard of them before now and NEVER authorized them onto my account, much LESS a wire transfer! I am left to speculate and wonder if maybe she took us off the account and all notifications ( and approvals ) went to her in a California number. and helped herself to our money WITHOUT OUR APPROVAL!

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 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>XXXX I received my first paycheck which was a paper check dated for XX/XX/year>. I took the check to a bank on XX/XX/XXXX to get it deposited, the XXXX XXXX XXXX, XXXX, CA branch. I have been with Bank of America for over two years and am a service XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX veteran with XXXX and XXXX XXXX XXXX I took my paycheck to the teller who deposited it and told me that I will have {$270.00} available on XX/XX/XXXX and the rest of {$3300.00} available on XX/XX/year>. Based on this information and the receipt from the teller, I deposited my check. the receipt from the teller is attached. I got an email ( attached ) from bank of america few hours later stating that none of my funds will be available till XX/XX/XXXX, which is 7 days after the day I was supposed to get paid. I set up my direct deposit with XXXX but they gave me a papercheck as the first check as they usually do. I was given false information by the teller and even though my paycheck clearly states in bold in front ( attached ) that funda availability can be verified by calling a number, bank of america refuses to do it and release my funds. I called on XX/XX/XXXX at XXXX ET, and the customer service agent who helped me told me there is nothing he or anyone can do to get the funds released before the XXXX of XXXX. The stress that this is causing me on top of my mental state from my military service is a lot. Bank of America need to fix this ASAP and once this check clears I will end all my relationship with this bank, but I need Bank of America to assist me with this ASAP. I am supposed to travel this long weekend for vacation and was heavily relying on this paycheck which is my first paycheck and only came after three weeks of working. I am attaching all proof. The teller gave me wrong information, and bank of america decided to put a long hold on my check when I am an old customer with them and they can easily verify the funds by calling the number on the check and release my funds.

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 2026-05-22 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: IN

Complaint narrative:
On XX/XX/XXXX I had {$970.00} come out of my account between XXXXXXXX and XXXX the transactions were one minute apart I reached out to chime several times I have also tried dispute on these transactions twice they have denied them they said they see nothing wrong I have also filed a police report on this I have read several reviews since this situation and this has happened to several people. I have also done my own looking in to XXXX there is noway of contacting them or is there any thing to purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Climb Credit Inc.
State: NJ

Complaint narrative:
I obtained a private student loan through Climb Credit for a training/job placement program with XXXX XXXX XXXX The loan funds were disbursed directly from Climb Credit to XXXX XXXX. After I left the program/company, XXXX XXXX agreed that I would receive a refund of {$11000.00} and that I would only remain responsible for approximately {$4000.00} of the balance. However, despite this agreement, the refund has not been processed after approximately 1.5 years. I contacted Climb Credit multiple times requesting information regarding XXXX XXXX Whether the refund had been received from Helix Tech XXXX Whether the refund had been applied to my account XXXX Updated balance information * Assistance resolving the issue with XXXX XXXX I also requested that Climb Credit contact XXXX XXXX regarding the unresolved refund issue. Despite my repeated attempts to resolve this matter, I have not received a proper resolution and my account has not been corrected to reflect the agreed refund amount. This ongoing issue has caused financial hardship and stress. I am requesting that Climb Credit investigate this matter, work directly with XXXX XXXX, and ensure the agreed refund amount is properly applied to my loan/account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
To whom it may concern, According to the Fair Debt Collection Practices Act, as a consumer I have the right to request and receive validation of any alleged debt. Pursuant 15 USC 1692g ( a ) states that a debt collector SHALL send the consumer a written notice containing- the amount of the debt The name of the creditor to whom the debt is owed ; A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgement will be mailed to the consumer by the debt collector ; and A statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor if dierent from the current creditor Notice that in the law Congress uses SHALL. These 5 requirements are NOT optional and if not sent the alleged debt is not validated. I demand that The CBE Group send the 5 requirements under 15 USC 1692g ( a ). I also demand that The CBE Group send verification of this alleged debt. Under verification, you all have to provide the ORIGINAL CREDITOR of this alleged debt. Reminder that 15 USC 1692a defines creditor. According to the FDCPA, please verify who the Original Creditor of this alleged debt is and give me a copy of their name and and address. To ensure that your company sends over the proper documents, I also demand an XXXX XXXX of this account that you all have. While The CBE Group Management provides me with the requested documentation, all illegal, inaccurate collection activities and reporting needs to cease. I demand that I have these documents within 30 business days. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY

Complaint narrative:
I have a damage card while working overseas, I contact Wells Fargo to have a replacement since working here. They told me that they do not send cards internationally. They told me to have a XXXX number and I do, but my number is not good. I asked if some new policy that they are not allowed to send cards internationally, they were vague. It was the same thing, need to go to XXXX and visit a Wells Fargo. My addresses were not good. My phone number was not good for secured text messages. They cant verify who I am, even though I can access my bank app and show them I can pull money and put money in.

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 2026-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
Last year in XX/XX/year>XXXX I submitted a request to switch out of the SAVE plan and mohela told me they approved it but then never finalized the switch and it was stuck in the process of switching. I called them in XXXX and they said it would take 90 business days to finalize my application after that point. It has been over 90 business days and I still have no payment and I have still not been removed from SAVE and switched to an approved IBR plan like I requested almost a full calendar year ago. We are almost two months away from having to switch and I still have no plan. I am desperate for them to finally approve my application so I am not stuck in a plan I did not request again.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
Date of occurrence XX/XX/year> My concern is my character and the employees safety, as her behavior and approach are not warranted tolerated by Consumer protections. Without sending any form of written correspondence to my address regarding a debt, Tower Loans of XXXX sent a very loud, belligerent employee to my home demanding I pay her {$200.00}. She state XXXX, her manager, sent her to my home for the money. She was not wearing a uniform or name badge and was not driving a vehicle which states anything of the company. She yelled profanities in my front yard, while my neighbors were outside. She left say she would be back! Assuming that her statements are valid, Im not sure whom she is. Please assist

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 2026-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I locked the card on XX/XX/XXXX. Since I locked it Chase has let 2 large charges come through on my account. 1 of the large charges agreed to allow interest free payments. That was voided because of Chase. The 2nd charge I have no idea why Chase let it go through. This happens a lot with Chase. They even let charges go through on stolen credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
RE : CEASE AND DESIST COMMUNICATION Account Number XXXX XXXX To Whom It May Concern, This letter serves as formal notice that I am requesting that LVNV Funding LLC immediately cease and desist all communication with me regarding the alleged debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). You are hereby instructed to stop all : Phone calls Text messages Emails Letters Contact with third parties Continued collection activity not permitted by law If you believe you have legal grounds to pursue this matter, you may only contact me to : Confirm that further collection efforts are being terminated ; or Notify me of specific legal action being taken. Additionally, I request validation of the alleged debt, including : Original creditor name Complete payment history Signed contract or agreement bearing my signature Proof that LVNV Funding LLC has legal standing to collect this debt Full accounting of the amount claimed Failure to comply with this request may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I reserve all rights to file complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and the North Carolina Attorney Generals Office. This letter is not an acknowledgment of liability for the alleged debt and should not be construed as acceptance of any obligation. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX for failure to provide adequate debt validation and for continued inaccurate credit reporting in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). Account Details : XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ( account ending XXXX ) Reported Balance : {$680.00} Charge-Off Date : XX/XX/year> Chain of Title XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Currently reporting oXXXX XXXX Experian and TransUnion I disputed this account with Experian, TransUnion, and directly with XXXX XXXX XXXX XXXX formally requesting proper debt validation including : ( XXXX ) the original signed cardholder agreement bearing my signature, ( XXXX ) a complete and documented chain of title specifically a Bill of Sale for each transfer of this debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) an affidavit of sale or legal assignment proving XXXX holds enforceable legal title. Significantly, two other collection accounts previously reported on my credit file were recently deleted by the credit bureaus after the furnishers failed to provide adequate documentation during the dispute process. This establishes a clear pattern : when furnishers are required to produce proper verification documents, they can not do so. XXXX is engaging in the same conduct continuing to report a debt they can not legally verify or document. In response to my disputes, XXXX provided only old billing statements from the original creditor. XXXX has repeatedly refused to provide any of the following : The original signed cardholder agreement bearing my signature A Bill of Sale from XXXX XXXXXXXX XXXX to XXXX XXXX XXXX. A Bill of Sale from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX affidavit of sale, assignment, or legal transfer document Proof that XXXX is licensed to collect debts in the state of Florida A billing statement is not adequate debt validation under FDCPA 1692g. It does not prove that XXXX legally owns this debt or has the right to collect or report it. This debt passed through at least three separate entities XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX and XXXX has provided XXXX documentation proving those transfers were legally valid. Despite failing to provide proper validation, XXXX continues to report this account negatively on both my Experian and TransUnion credit reports, causing ongoing and measurable harm to my creditworthiness, affecting my ability to obtain credit, housing, and favorable interest rates.

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 2026-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
Complaint # XXXX and case number XXXX continuance. The company responded that it has now been determined that I missed the XX/XX/XXXX mortgage payment instead of their original statement, '' saying that I missed my XX/XX/XXXX payment ''. My complaint remains the same, I did not miss my XX/XX/XXXX payment either as proof is attached and for your information the XXXX XXXX XXXX Orders can be tracked by serial number showing proof of who cashed them with the date processed. Remedy : I want these payments to be recognized and fixed immediately and all the fees associated with me being late to be removed. I was in a XXXX XXXX XXXX and by court order could NOT miss a payment. IF a payment was missed, I would have been pulled before the Judge, and my case would not have been discharged and found to be in good standing for making all my payments as ordered. Also, it is noteworthy to say that this mortgage company should not have been charging fees without an approval from the courts to me anyway according to the Bankruptcy Rule XXXX I have not paid the XXXX or XX/XX/XXXX payment because my mother and XXXXncle died and I was facing hardship with that but will be paying XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX and back to normal with XXXX 's payment on XX/XX/XXXX. Thanks XXXX XXXX XXXX

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