vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 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: GA

Complaint narrative:
XXXX a room housing rental company has a digital platform for potential renters to utilize to book rooms. I proceeded to book a room which had mold infestation. Just like a hotel you must pay upfront to secure a booking. I requested to view the property but was denied so Im on my move-in date. I realize the place was infested with mold. Im highly sensitive to mold, and I began to immediately XXXX and I could smell the mold in the atmosphere. Also, I could see mold in the foundation of the house growing in the cracks and crevices and the floors were very soft as if termites or other environmental corrosions has eaten away at the integrity of the property. Because of auto immune issues, I was very hesitant to move in into this property that was obviously condemned for health reasons. I contacted XXXX and explained to them that I will be needing a refund and that that I would contact my bank for that refund. I contacted Bank of America and I was given a credit immediately of {$120.00}. I still needed a place to live so XXXX contacted me and said that they have other properties that were clean and healthy that I could move into if I were to book a place. I did as I was requested and I paid upfront and which cost me a total of {$350.00}. The other properties were mold infested as well. I actually moved into XXXX property but had to immediately leave after leaving my things there for XXXX days. I moved out all of my things but because of a cancellation fee of XXXX they charged my account and did not refund me the money. I explained this all to Bank America and was denied a refund on both ends from XXXX or from Bank of America after offering evidence. For the past XXXX months, I have been extremely ill because of the mold, infestation and being exposed to it for the time that I was, Ive been in countless hospital visits with severe allergic reactions. Being exposed to the mold, caused me to have an autoimmune flare. Its when your immune system produces high levels of histamine in the body and become overactive because of a unrecognizable foreign object entering the body. Exposure to mold because its such a deadly toxin can definitely cause this type of reaction in a person who has a weakened immune system. I experienced chronic hives and inflammation due to my exposure.

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 2026-02-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I opened a savings account with Marcus Goldman Sachs. In XX/XX/XXXX, my savings account was closed ; I do not know the exact date because it was closed without notice. The bank refused to give a reason. It mailed me a check for the balance and interest due. My account was always in good standing. As I recall, the check I received on XX/XX/XXXX was for {$10000.00}, plus interest. 

On XXXX XXXX, XXXX, I tried to open a new savings account with Marcus Goldman Sachs for the first time since the XXXX incident. I was denied. Customer service said the bank is refusing to provide a reason for the denial and said it was its right to do so. The agent cited my account closure in XXXX as for why I was blacklisted, apparently for life. I asked customer service to escalate this matter. 

On XXXX XXXX, XXXX, I called the bank for the response. The agent declined to open the account and said the decision would not be reversed. She said her superiors had made a " business decision '' to deny me an account and that the bank was not obligated to provide a reason. 

The denial appears discriminatory. The bank acts arbitrarily and without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
Description of Incident : I am filing this formal complaint against SoFi Bank for a direct violation of Electronic Fund Transfer Act ( EFTA ) requirements, specifically Regulation E ( 12 CFR 1005.11 ). 
On XX/XX/year>, I filed XXXX identical disputes regarding unauthorized charges from a merchant I previously known, but who began charging my card on file without authorization or an active subscription. This merchants system has been widely reported in recent news for significant discrepancies and technical errors. 
While XXXX correctly resolved one of these identical disputes ( confirming a " XXXX XXXX '' ), they have failed to provide XXXX XXXX for the remaining XXXX disputes. 
Legal Violation : Under 12 CFR 1005.11 ( c ), a financial institution is required to complete its investigation within 10 business days. If the institution is unable to do so, it must provisionally credit the consumer 's account for the amount of the alleged error ( including interest where applicable ) while it continues the investigation. 
Date of Dispute : XX/XX/year> XXXX Deadline : XX/XX/year> Current Date : XX/XX/year> Evidence of Bad Faith : I contacted SoFi Support via chat to alert them that they had missed the legal deadline. Despite acknowledging my request and my citation of Regulation E, the bank refused to release the funds, stating their " back office '' was still handling it. A banks internal " back office '' delays do not supersede federal law. SoFi is currently in possession of my funds in direct violation of the XXXX. 
Furthermore, SoFi has already admitted merchant error on XXXX of the XXXX identical charges, yet they are withholding provisional credit on the remaining XXXX, despite the facts of the cases being identical. This suggests a predatory or negligent handling of my account.

Desired Resolution : 1. Immediate posting of all 49 remaining provisional credits as required by law.

2. A formal explanation as to why the 10-day regulatory deadline was ignored.

3. Assurance that no further unauthorized " subscription-less '' charges from this merchant will be honored

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/XXXX I noticed a charge from XXXX XXXX XXXX for the amount of {$890.00} made on XX/XX/XXXX. I immediately disputed the charge. I do not use and never did use XXXX XXXX XXXX. I had a conditional credit from Citi up until this month. On XX/XX/XXXX the merchant was contacted then I see another notification that said Congrats! Case resolved in your favor! Good news! We've taken care of your dispute and your credit is permanent .. On XX/XX/XXXX I noticed that the dispute was reopened. Below that, there was a button that said withdraw which I thought meant to withdraw the funds to me since I won the case. WRONG! The withdraw button closed my dispute and it said You withdrew your dispute of this charge, indicating that you have resolved this issue. And the credit got reversed. I then called Citi about this issue and they said they would reopen it. Once again the dispute is opened on XX/XX/XXXX and 5 days later on XX/XX/XXXX, I see that it says A letter detailing your dispute resolution is available in your Notices & Letters. The conditional credit we previously issued will be reversed. I called Citi again about this and asked why it was reversed and they said that since I withdrew the dispute the funds were released to the merchants bank. I called the merchant bank ( XXXX XXXX XXXX ) and they said they would look into it and that since I disputed the charge, they did not receive any funds from the start! I received an email from next gen on XX/XX/XXXX stating Thanks for reaching out to XXXX! 

I did get an update from our billing team. They stated that we lost the dispute on XXXX so there isnt a tracking number for this. The bank would have decline the payment or retracted the funds from out account. 

If it is possible for them to give you a bank statement reflecting they didn't get the funds, you could send this over for further review but its not guarantee though. 

Feel free to reach out with additional questions, were here and happy to help I reached back out to Citi for the statement reflecting that they did not get the funds and they kept insisting that they did not get it. I am stuck and I feel very scammed. I did not make the purchase!!

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 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc.
State: HI

Complaint narrative:
I logged into TomoCredit and attempted to close my account using their AI help tool on XX/XX/year>. The AI tool said my account was closed. 
On XX/XX/year> I received an email from TomoCredit and also a text message saying I can get a loan from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: PA

Complaint narrative:
COMPLAINT AGAINST CHIME Company : Chime Financial , Inc.

Product : Debit card / Account dispute handling Issue : Billing dispute / Failure to investigate Desired resolution : Refund of disputed charges + correction of dispute handling Complaint Text : I am filing a complaint against Chime Financial for failure to properly investigate my billing dispute and for closing the dispute in favor of the merchant without reviewing the evidence I submitted. 
I disputed multiple charges from a merchant ( XXXX ) due to overbilling, duplicate charges, unauthorized upgrades, and services activated without consent. I provided documentation clearly showing errors, including a {$42.00} duplicate charge that was charged twice and never refunded. 
Despite this clear evidence, Chime closed the dispute in favor of the merchant without explanation and without addressing the duplicate charge. This alone demonstrates that a reasonable investigation was not performed. 
Additionally : Charges were duplicated and re-added after removal I was billed full price for an upgrade instead of the prorated difference The merchant activated services without authorization The merchant does not respond to customer support inquiries Chime did not request additional documentation, did not explain how the evidence was evaluated, and did not provide a justification for denying the dispute. This is not compliant with the banks obligation to conduct a fair and reasonable investigation under consumer protection standards. 
I am requesting : Immediate refund of the {$42.00} duplicate charge Reopening and proper review of the full dispute Written explanation of how my evidence was reviewed This complaint is being submitted due to Chimes failure to protect me as a consumer and failure to follow dispute resolution requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This account is not mine. Account # XXXX reported by LVNV Funding LLC for {$380.00}. Original creditor XXXX XXXX XXXX. I never received validation. I never signed anything. I was never notified by mail. XXXX  has no payment history. TransUnion adds an arbitrary XXXX prefix to the creditor name. And you have NO NEW YORK LICENSE. Your XXXX  ID is XXXX. You are licensed in XXXX states. New York is NOT XXXX of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I deposited a check on XX/XX/year> into my Huntington account. The check cleared on XX/XX/year>. 

Huntington later placed the funds under a fraud review due to an endorsement issue. Since that time, the bank has refused to release the funds and has also refused to return the funds to the issuer.

Huntington is insisting that the issuer call the bank, but the issuer has confirmed the check cleared and has declined to take further action.

Phone support and branch staff have declined to discuss the matter, and I have not been provided a written final determination, release date, or resolution, despite the funds being held since XX/XX/year>. 

The funds have now been held for several months with no written decision, creating an indefinite hold. I am requesting that Huntington issue a written final determination and either release the funds or return them to the issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: NY

Complaint narrative:
Regarding recent CFPB claim XXXX Chase denied the fraud claim again without providing investigative methods, evidence, or reasoning. No device, IP, merchant verification, authentication method, or validation logic has been disclosed. This is procedural non-compliance with dispute resolution requirements. 

I am requesting the internal fraud scoring and classification logic used in determining transaction validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: WA

Complaint narrative:
Discover sold my debt that didnt being to me to a debt collector and. I ask for proof of debt. Valadition letter and never for one. There reporting more then the account says. Plus the account is reporting in accurate. This account does not belong to me and I want it removed from my account. Its hurting my credit score and preventing me from getting credit. Please remove this account from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Subject : Illegal XXXX of funds and arbitrary account limitation by PayPal I am submitting this formal complaint against PayPal for the unlawful XXXX of my personal funds. 
On XX/XX/year>, PayPal sent a notification confirming that my account balance was available for withdrawal. However, on XX/XX/year>, PayPal arbitrarily and without prior warning or valid justification cleared my entire account balance. 
My account was used in full compliance with all applicable laws and XXXX terms of service. There were no instances of fraud, chargebacks, or any other activity that would justify such action. Despite repeated attempts to contact customer support, PayPal has failed to provide a clear, specific explanation for seizing my funds and has refused to review my case. 
This constitutes an illegal taking of my personal property. I demand that PayPal immediately return the full amount of my seized balance and provide a formal, written explanation for their actions. 
I respectfully request the XXXX  assistance in resolving this matter and recovering my funds. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management is furnishing inaccurate and misleading information regarding an alleged credit card account placed into collections in XXXX. 

Despite the age of the account, Midland continues to report monthly collection status updates through XX/XX/XXXX. This ongoing monthly reporting creates the false impression that the account is newly delinquent or actively defaulting, when in fact it is several years old. 

I disputed this account with XXXX  in XX/XX/XXXX. Midland verified the account as accurate but failed to correct the misleading pattern of monthly updates. 

I requested verification of the alleged debt, including proof of ownership, the Date of First Delinquency ( DOFD ), a full payment history, and documentation supporting the reported balance. Midland did not provide this documentation. 

Instead, the company relied on automated verification and continued furnishing the same information without conducting a reasonable investigation. 

This conduct constitutes inaccurate and misleading reporting and a failure to comply with obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). 

I am disputing the accuracy and manner of reporting, not liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I have a complaint against XXXX XXXX. 
On XX/XX/XXXX I called XXXX XXXX  to check the status of my replacement card because I never got it. Thats when I found someone had been using my card. The rep helped me file a claim and I told XXXX XXXX the truth I did not receive my replacement card. And I did not make any of those transactions. My card was stolen. XXXX XXXX informed me they were going to send me a form i must explain what happend sign it and submit it back to them. I waited and waited and never recieved any documents to send back. XXXX XXXX lied to me. So I sent my own letter thru fax and thru email. In my letter i explained to XXXX XXXX  I never received my replacement debit card and the last time I used my card was a bit after new years. 
We came to the conclusion my card had been stolen and activated. I asked money network to send me any photos or video they can get while investigating so I can try and help identify who took my card. I had to fax my own letter to XXXX XXXX on XXXX XXXX. My claim was denied after XXXX XXXX recieved my dispute letter. I was informed there was no proof fraud occurred so my claim was denied. I believe XXXX XXXX  did not investigate my claim properly. I believe XXXX XXXX lied to me about sending me documents to sign thru the mail to send back to be eligible for provisional credit .. I was told to wait for it in the mail. I believe XXXX XXXX did that so it can pass the 10 day mark and continue to investigate without providing me a provisional credit. The day XXXX XXXX received my letter the same day I was denied. I believe if XXXX XXXX did not recieve my document they would have continued investigation. Because my own letter was recieved I was denied that same day. I called XXXX XXXX to see if they recieved my document. I was told they received it and my claim was denied. I believe XXXX XXXX did not investigate my claim properly. XXXX XXXX denied my claim without justification claiming that there was no proof fraud occurred. In my letter to XXXX XXXX I stated that I would like to help with the investigation and asked XXXX XXXX to send me any video surveillance or photos to see if I can identify whoever took my card. Why was I denied that same day XXXX XXXX recieved my letter? 
Why is my claim not investigated properly? 
I appealed for XXXX XXXX to reopen my claim on XX/XX/year>. Literally the next day. I was told XXXX XXXX  accepted my appeal and it will take 45 days to complete with the result .. and I will not be receiving a provisional credit. So within XXXX buisness days my claim was denied and reopened. And now Im not eligible for provisional credit. There are laws that protect the cosumer from hardships. My rights have been violated. Heartbroken as I have a child on the way... The amount in total was in excess of XXXX XXXX. My claim number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They call me upward to 4 times a day, every day, including weekends. I have told them the debt they are attempting to collect is not valid but was threatened that I needed to figure out how I was going to pay for it. They falsely claim to be the original creditor and opened new accounts to avoid the original age of the debt owed. They are not the original creditor.

Company response to consumer: Closed with non-monetary relief