vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
JPMorgan Chase & Co. reported a gross transaction amount of {$59000.00} to the IRS for XXXX XXXX XXXX for the XXXX tax year. Banking records for the account ending in XXXX confirm these funds were never delivered. Financial Variance : * XX/XX/year> : {$28000.00} reported vs. {$2100.00} transferred. * XX/XX/year> : {$31000.00} reported but not settled. Total Withheld : Approximately {$57000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I filed for chapter XXXX bankruptcy in XXXX of XXXX. My bankruptcy was XXXX XX/XX/XXXX. Bank of America refused XXXX file a claim in my bankruptcy case. I continued XXXX make payments on my car upon until XXXX. Bank then illegally repossessed my vehicle; sold my vehicle although I was still in active bankruptcy. Additionally, I attempted XXXX try XXXX resolve the matter XXXX no avail. Bank of America then routine my credit XXXX reporting on all my credit report XXXX that I owe them money. I am asking for an intervention XXXX remedy in this matter. Attached is a letter I sent XXXX Bank of America in XXXX XXXX continue XXXX receive XXXX responses.

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 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Midland Credit Management I previously requested validation of the alleged debt, and the company has failed to provide documentation proving that I am legally responsible for the account. Despite the lack of validation, the company continues reporting this account to the credit bureaus, which is damaging my credit profile. I am requesting that this account be investigated and removed from all credit reporting agencies unless proper validation can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
In XX/XX/year>, I responded to an online advertisement from a company called Growth Cave that promoted making money quickly through their Knowledge Business Accelerator program. At the time I was XXXX XXXX XXXX and had never taken out a personal loan before. I scheduled what I believed was an onboarding or informational call. During the sales process I was encouraged to enroll in the program, and financing was presented as part of the signup process. I did not clearly understand that I was applying for a loan. I believed I was simply enrolling in a business program. I later discovered that a loan had been issued through LendingPoint for approximately {$9800.00} with aXX/XX/XXXXinterest rate, resulting in total payments exceeding {$18000.00} over time. The loan was used to pay Growth Cave directly for their coaching program. After the loan was issued, the account was later transferred or serviced by Mariner Finance. I am currently responsible for paying the remaining balance, which is over {$8000.00}. I feel that the financing process was not clearly explained and that the sales process emphasized potential earnings and success while minimizing the financial risk involved in taking on high-interest debt. As a young borrower with no experience with loans, I did not fully understand what I was agreeing to. This loan was taken out in connection with a high-pressure sales process tied to an online coaching program, and I believe the situation should be reviewed to ensure fair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
I notice this charge trying to go through but I keep my card locked and I do not have automatic payments so I did not load any money. I did not understand why Apple was trying to get theses different amounts. I inquired and was told sometimes they collect for several things and add them all together. I told them I do not have anything Apple contracts open. I found out I had some free trials I cancelled but was not from Apple. I chose not to keep them and cancelled them. PayPal had not ever paid any other free trials my only current subscription to Walmart ever! I keep my cards locked because of problems in the past and I dont add more money than I intend to use. My card had been locked, again thats how I keep it. So these weird charges could not go through. It went from {$20.00} charges trying to come through constantly to this {$97.00} charge. Because it did not go through because all my cards stay locked, PayPal and the XXXX linked cards they tried to get through. No charges went through. PayPal somehow unlocked my card and a couple days later allowed this {$97.00} charge to go through that had not been able to go through every night before. Somehow I go check my email to see when they did this. And seen an unlock email a couple days before the {$97.00} charge was allowed. I contacted PayPal and asked them why did you unlock my card and pay this when I did not give you permission to do so!?? I tried unlinking my cards and they would not let me. Telling me I have a negative balance that they caused! They told me they would investigate the charge. Had me reset my password and blamed it on Apple making an unauthorized charge when it was they who put it through on a {$0.00} balance. They came back less than maybe XXXX hours if it was longer XXXX but I believe it was less than XXXX hours saying they investigated and I owed them after I told them in my report I do not owe them and my card was locked. They never responded to the fact they unlocked my card to allow this payment. I dont know if they working together or what, but this is not right! They wouldnt pay myXX/XX/XXXX monthly subscription to Walmart ever I have to resubscribe if my card is locked each time Walmart attempt and I forget to unlock my card. All of a sudden this large charge I did not authorize, my card gets unlocked after many failed attempts of this {$97.00} and they pay it!?? Somethings fishy about all of this! I want this account closed! After its back to my {$0.00} balance. I want my liked cards unlinked from PayPal and this account closed!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio close XXXX accounts that was in collection for non-monetary relief and was taking them off of my credit report then they put them all back on. I do not understand this company. I do not feel safe with this company because they are not responding back through CFPB they are telling me to call them cease, and desist

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My debt before payment was settled, the lender said that only {$910.00} was needed. But now they've sent me a letter demanding the remaining amount because they charged too much interest. I apologize for cutting out the letter below due to a lack of careful checking. However, upon rereading it, I realize it's a debt notification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to file a complaint against * * Optum Bank * XXXX regarding an unresolved issue with my Health Savings Account ( HSA ). Despite multiple attempts to resolve the matter directly with the bank, the issue remains unresolved after several weeks. The incident began around * * XX/XX/XXXX * *, when I attempted to make an HSA contribution of * * {$6800.00} * * for the * * XXXX tax year * *, which was within the allowable annual contribution limit. However, due to an * * ACH transaction failure * *, the contribution did not go through successfully. Even though the transaction failed, Optum Banks system incorrectly updated my HSA contribution records as follows : * My * * XXXX contribution limit was incorrectly increased to {$8500.00} ( maximum limit ) * * as if the contribution had been completed. * My * * XXXX contribution limit was reduced to a negative amount of approximately - {$5200.00} * *. This incorrect reporting could potentially cause serious * * tax reporting issues and compliance risks * * for me. Since discovering the problem, I have contacted Optum Bank customer support * * multiple times over the past XXXX weeks * *. I have spent * * over XXXX hours * * speaking with various representatives explaining the issue and requesting correction. Optum Bank created internal support tickets for this issue : * * * Ticket # XXXX * * * * * Ticket # XXXX * * Despite these tickets and repeated follow-ups, the bank has * * not corrected the contribution records or provided a timeline for resolution * *. Each time I call, I am told the issue is being reviewed, but no progress has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Portfolio Recovery Associates. I previously requested validation of the alleged debt, and the company has failed to provide documentation proving that I am legally responsible for the account. Despite the lack of validation, the company continues reporting this account to the credit bureaus, which is damaging my credit profile. I am requesting that this account be investigated and removed from all credit reporting agencies unless proper validation can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Starmark Financial LLC
State: TX

Complaint narrative:
Account Starmark Financial, LLC # XXXXXXXX XXXX XXXX XXXX XXXX I am unaware of this dept and did not get an opportunity to dispute this account. If you believe you sent proper notification. Please provide Certified Mail with a receipt displaying my signature. If not please delete account # XXXXXXXX XXXX XXXX XXXX XXXX off my credit report as soon as possible or I will have to take legal action.

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I received what appeared to be an automated text alert from Chime banking. The text alert told me to confirm if I was trying to make a purchase and to reply with no if it wasnt me. So I did, because it wasnt me. Then the text message said that a chime agent will contact me to handle the situation to protect my funds. A few minutes later I received a call and a chime agent called me and even asked me to FaceTime. At this point, I didnt know it wasnt actually Chime, my banking company. So I gave the man on FaceTime claiming to be a chime agent my information and he even asked me to transfer some money to protect my funds. I transferred funds back and forth and he sent them back to me to make the situation seem legit. I then sent {$4500.00} to this alleged agent and he told me he would send it back to me the next day on XX/XX/XXXX. At this point, my girlfriend came in and told me a bank will never call me let alone FaceTime me. I contacted the real Chime company right away with a phone number online and explained the entirely of the situation. We were on call with Chime for about an hour back and forth explaining the situation many times until finally we were able to file a dispute against fraudulent actions against the man pretending to be chime. We sent them all the text messages from beginning to end, phone numbers he contacted me with, emails, and FaceTime log to help our case since I truly was scammed by this man pretending to be a chime agent. Once we filed the dispute, I was told to wait a couple of days for updates. On XX/XX/XXXX they sent a letter to my email to inform me that their final determination was that no error occurred and my funds will not be returned. They have closed the claim. Not only did I upload all the evidence and disclosed exactly what happened, they consider this an error on my end. This is extremely outrageous considering this was a result of fraudulent activities by another person. I did not make the error of sending this to the incorrect person. I sent the money to who I thought at the time was a Chime agent. Not only will I not get my {$4500.00} back, but the man who scammed me kept that money. Would a reversal not have been possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XX/XX/year>, I purchased {$1800.00} in Western Union money orders to pay rent for my apartment located at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, California. The money orders were fully completed and made payable to XXXX XXXX. I personally handed the money orders to the property management office as my rent payment. The individuals who accepted the money orders were XXXX XXXX XXXX ( property manager ) and XXXX XXXX ( leasing agent ). Later, my rent ledger still showed that the payment had not been received. When I contacted XXXX XXXX and their corporate office, XXXX XXXX, they stated that they never received the money orders and advised that I would need to work directly with Western Union to obtain a refund. When I initially checked the status of the money orders with XXXX XXXX, the system showed that a refund request was in progress and the money orders were not showing as deposited into any bank account at that time. I opened multiple investigations with Western Union regarding the missing funds ( Case # XXXX, # XXXX, # XXXX, and # XXXX ). Despite months passing, Western Union has not provided any written updates, documentation, or resolution regarding the investigation. I have repeatedly requested documentation showing what happened to the money orders, including copies of the front and back of the cashed money orders, endorsement signatures, and any bank deposit records. I have not received this information. I have filed a police report and provided Western Union with copies of the money order receipts and other documentation. This situation has caused significant financial hardship. I am requesting that Western Union complete its investigation, provide documentation showing whether the money orders were cashed or refunded, and issue a refund for the {$1800.00} if the funds were improperly negotiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: AL

Complaint narrative:
RECEIVED A CREDIT ALERT ABOUT A COLLECTION COMPANY CALLED CENTRAL PORTFOLIO CONTROL ON MY TRANSUNION CREDIT REPORT AND SO I CALLED UP THE COMPANY AND I ASKED THEM WHY HAVENT I RECEIVED ANY NOTICE AND THEY CLAIM THAT THEY DID IN XXXX AND I ADVISED THEM THE ONLY TIME I PURCHASED SOMETHING FROM AARONS WAS A LAPTOP ABOUTXX/XX/XXXX YEARS AGO AND I ASKED WHATS THE ADDRESS AND THEY COULD NOT GIVE THAT TO ME AND I HAD ADVISED THEM THAT I WAS A VICTIM OF IDENTITY THEFT AND I EMAILED A COPY OF MY IDENTIFICATION AND POLICE REPORT. HE STATED I PURCHASED A BEDROOM SET BACK INXX/XX/XXXX I BELIEVE HE SAID.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello I am writing to formally dispute a fraudulent account that appears on my credit report. This account is listed as XXXX XXXX with balance reported of {$26.00}, credit limit {$6500.00} and it was opened on XX/XX/2019. I did not apply, authorize or use this credit card at any time and its the result of identity theft.

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I requested a refund of {$1300.00} of unauthorized transactions made on my debit card in XX/XX/year>. Navy Federal Credit Union denied my original request aa well as my second appeal. I was unaware of these charges & did not authorize them. They were made through digital transactions on XXXX, which also denied my refund request. Once I realized my debit card was being used without authorization, I immediately requested a new card. I should receive a full refund as I did not make the transactions. Navy Federal Credit Union also did not notify me of suspected fraud as diligently as my prior bank did. This contributed to me not noticing the charges right away. Second Review of Incident/Appeal XXXX XXXX. My claim should be honored because I did not authorize these transactions and was unaware they were being made. As soon as I noticed the charges, I immediately contacted Navy Federal Credit Union and requested a new debit card. I did not give permission for these purchases and did not benefit from them. 2. The physical debit card remained in my possession at all times. I did not lose it or replace 3. Since my card remained in my possession, I believe my minor son accessed my debit card information without my knowledge, possibly from prior online purchases where the information was stored. I did not give him authorization to use the card, nor did I allow blanket authorization. While there were smaller XXXX purchases in the past that I specifically approved, I did not authorize the transactions in my claim. The total amount and frequency of these transactions were significantly different from prior isolated purchases and should have reasonably triggered review. I did not give open or unlimited permission for use of my debit card. 4. My card was not lost or stolen. 5.I did not give permission for unrestricted use. I have come to believe, the person is my XXXX son. I have previously allowed limited, supervised purchases for small amounts only when I gave specific permission. I did not authorize transactions in my claim. 6. I did not personally receive or benefit from these purchases. I believe these were digital game transactions made by a minor without my authorization. The purchases were also not made under my apple ID and I did not receive receipts for any of them. 7. No. I did not authorize or participate in these transactions. Once I discovered there were charges being made that I did not authorize, I immediately ordered a new debit card and have not provided access digitally or physically to anyone. I also removed saved payment information. Further review will show I no longer have charges like the ones in my claim, which indicates these were not normal spending patterns for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: VW Credit
State: TX

Complaint narrative:
I am submitting this complaint regarding Volkswagen Credit , Inc. concerning my motor vehicle finance account. I have requested documentation and clarification regarding the ownership, transfer, servicing, and accounting of this account, but I have not received a complete and substantive response. Specifically, I requested records sufficient to show the chain of title and chain of custody of the account, including whether the account was sold, assigned, transferred, placed into a trust, pooled, securitized, monetized, or otherwise administered by any XXXX party. I also requested documentation sufficient to identify any agreements governing the servicing, transfer, administration, or information flow relating to the account. In addition, I requested disclosure of whether any proceeds, credits, offsets, or value were received in connection with the transfer, monetization, or securitization of this account, along with a complete accounting of all ledger activity, payments, balances, adjustments, and account transactions. I also requested original ledger records and supporting account documentation sufficient to explain the legal and accounting basis of the monthly statements issued on this account. My concern is that material facts regarding the ownership, administration, transfer, accounting, and authority connected to this account have not been fully disclosed. If Volkswagen Credit is asserting the right to service, collect, enforce, or report this account, it should be able to provide documentation sufficient to establish its authority and the complete accounting history of the obligation. To date, I have not received the requested records in a clear, complete, and verifiable written form. I am requesting that Volkswagen Credit provide a full written response with supporting documentation sufficient to verify : the current legal owner of the account ; whether the account was sold, assigned, transferred into a trust, pooled, securitized, or monetized ; the chain of title and chain of custody ; the accounting for any proceeds, credits, or offsets ; the source and basis of the monthly statements ; and the original ledger and supporting account records. I am requesting CFPB assistance in obtaining a complete documentary response and in ensuring that any incomplete, unsupported, or inaccurate representations concerning this account are corrected.

Company response to consumer: Closed with explanation