vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Mercari, Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding Mercari , Inc. for unfair and deceptive business practices related to a catastrophic server-side data loss and the subsequent refusal of their support team to provide a good-faith investigation. XXXX. THE INCIDENT : On XX/XX/year>, I discovered that XXXX fully-populated listings in my 'Ready to List ' section were stripped of all XXXX. While the listing titles remain, 100 % of the proprietary images and text descriptions were deleted by a system glitch. This represents a significant loss of intellectual property and labor hours. XXXX. SUPPORT NEGLIGENCE : I have opened multiple tickets ( Ref : XXXX XXXXXXXX ) to report this technical error. The representative ( 'Link ' ) has repeatedly used circular, automated 'clarification ' scripts to avoid escalating the issue to a technical team. Despite my clear explanation that XXXX listings are now empty shells, the agent refuses to verify the XXXX data state of these items, which is visible on their own internal dashboard. XXXX. REGULATORY BASIS : Mercari acts as a financial service provider by holding and managing consumer funds. Their failure to maintain a reliable digital interfaceand their subsequent 'support loop ' which prevents error resolutionviolates the expectation of fair and transparent service. Desired Resolution : I request the CFPB to compel Mercari to : Escalate this matter to their Tier XXXX Engineering team for a server-side audit. Restore the lost listing data ( images and descriptions ) from their backups. Provide a technical explanation for why this content was deleted without user authorization or notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I reported multiple unauthorized debit card transactions on my Chase checking account ending in XXXX and debit card ending in XXXX. The unauthorized transactions occurred between XX/XX/XXXX and XX/XX/XXXX and total approximately {$14000.00}. The charges were made at XXXX XXXX XXXX via XXXX XXXX. The fraud was committed by my half-brother, who had unauthorized access to my personal device and removed banking alerts to delay detection. An official Identity Theft Report was filed with the FTC ( Report XXXX. XXXX ). Despite this, Chase closed my claim XXXX XXXXXXXX stating the transactions were authorized. Under Regulation XXXX, these are unauthorized transfers as I did not grant permission for these specific transactions. Chase is failing to conduct a reasonable investigation by ignoring the provided federal evidence of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: NJ

Complaint narrative:
I send money through abound app on XXXX XX/XX/year>. And i was supposed to get it by XXXX XX/XX/year>. But today is XXXX XXXX and still i have not received my remittance money. In their app they are showing that transaction is completed but money in not credited in my account. Also they have no customer service number. Also they are not responding with the virtual assistance or customer support they have in the app. I really need that money and there not helping me please please help regarding this issues. I did it thorugh Abound money transfer. The transaction number is XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 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: IL

Complaint narrative:
I submitted an income-driven repayment ( IDR ) application in XX/XX/XXXX with required income documentation. As of XX/XX/XXXX, it remains unprocessed. I have called MOHELA multiple times ( at least four ) because my account keeps being returned to full repayment status despite pending IDR processing. I have been told I was placed into processing forbearance, but my account continues to show payments due. This ongoing delay and inconsistent status coding have caused months to be marked ineligible for Public Service Loan Forgiveness ( PSLF ) and created billing uncertainty. I request immediate processing of my IDR application, correction of loan status coding, retroactive PSLF credit for affected months, and written confirmation of resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
In XX/XX/year> I discovered a fraudulent collection account on my credit report from Columbia Debt Recovery on behalf of XXXX XXXX XXXX in the amount of {$330.00}. I did not sign a lease, apply for housing, or authorize any rental agreement with XXXX XXXX XXXX. This account was opened using my personal identifying information without my knowledge or consent. I filed FTC Identity Theft Report Number XXXX on XX/XX/year> invoking my rights under FCRA Section 605B. Columbia Debt Recovery is attempting to collect a debt that is not mine and is the direct result of identity theft. I am requesting immediate deletion of this fraudulent collection from all three credit bureaus and immediate cessation of all collection activity. This company has been notified of the fraudulent nature of this debt and has a legal obligation to stop collecting and request deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have had my American Express XXXX XXXX credit card for over 10 years. During this time, I have made my payments on time 100 % of the time. On one recent occasion, my payment was due on XX/XX/year>, which fell on a Sunday. I forgot I had paused automatic payments on this account and realized it the day after the payment due date. I went online and made my payment on XX/XX/year> at which time I noticed a {$29.00} late fee. I reached out via chat on my AMEX app and communicated with someone name XXXX. XXXX submitted my request for a one-time courtesy late fee reversal and within two minutes, replied that a comprehensive review was conducted and my request was denied. I asked for my case to be escalated to someone else who had authority to override this decision. I was told everyone follows the same guidelines at the company and my late fee would not be reversed regardless of whom I talk to. I know this is XXXX an sadly how American Express treats their long-standing good customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX Bank of America withdrew {$8100.00} from my checking account through right of setoff related to a prior auto loan deficiency balance. These funds were my XXXX tax refund and were intended for essential living expenses, including rent. After the withdrawal, only {$520.00} remains on the balance. My rent is due within one week and I am now facing housing instability. I am requesting a partial hardship refund so I can maintain housing stability and resolve the remaining balance.

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 2026-02-26 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding how American Express handled a billing dispute for {$450.00} charged to my account on XX/XX/year> by XXXX XXXX for tickets to an event held on XX/XX/year>. The tickets were advertised as an intimate XXXX XXXX show. Based on this description, I reasonably expected a live performance intended for the audience. However, the event was actually conducted as a filmed production, and the performer did not perform for or engage with the audience. Attendees were used as background for filming rather than participants in a live show. This was materially different from what was advertised. I contacted the merchant on XX/XX/year> to request a refund, and they refused on XX/XX/year> citing a no-refund policy without addressing the misrepresentation. I then disputed the {$450.00} charge with American Express on XX/XX/year> for services not as described and provided supporting documentation. American Express denied my dispute on XX/XX/year> without properly addressing the misrepresentation. I am requesting that American Express reopen and reverse the denial of my dispute and issue a permanent credit of {$450.00} for the misrepresented service, consistent with their protections for services not provided as described.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Before the promotion expired, I called to inform CareCredit I was unemployed and understood I could receive assistance. My 24-month deferred interest purchase of {$2900.00} ( XX/XX/XXXX ) expired on XX/XX/XXXX, and a {$1700.00} deferred interest charge was applied due to a remaining balance of {$1100.00}. I requested a one-time courtesy reversal and offered to pay the remaining balance, but my request was denied without meaningful review.

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 2026-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I was offered a {$250.00} XXXX credit with XXXX XXXX to open a new credit card with Barclays. My card came in the mail and it even had the word XXXX in it along with XXXX logo. Thats the promotion I was offered but when I inquired today the rep said I only had points available on the card for making purchases.

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 2026-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
Failure to provide settlement relief and refund within court-mandated timelines. My name is XXXX XXXX, and I am a member of the XXXX v.XX/XX/XXXX settlement class. My student loan provider is Aidvantage. On XX/XX/XXXX, the Supreme Court reaffirmed the validity of this settlement. According to the court-ordered settlement terms, I am entitled to Full Statement Relief, which includes the total discharge of my federal student loans associated with XXXX College , the deletion of related credit tradelines, and a full refund of all the payments to the Department of Education . As a result, Aidvantage has failed to process my refund withinXX/XX/XXXXdays of XX/XX/XXXX, under discharge number XXXX. I have reached out to Aidvantage multiple times and was informed that my discharge case is still pending for completion of processing. I have not received a definitive time or confirmation that my refund has been initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am filing this complaint regarding disputed transactions and withdrawals totaling approximately {$8700.00} from my Chase account. I reported the issue to Chase as soon as I noticed the transactions and opened claims. Despite my efforts and providing documentation, Chase closed my claims and denied reimbursement, stating the transactions were authorized. I do not agree with this determination and believe my case was not fully investigated. I have provided proof of withdrawals, account activity, and attempts to recover my funds. I have cooperated with all requests and submitted documentation. The loss of these funds has caused significant financial hardship. I am requesting that Chase reopen and conduct a thorough investigation into my claims and reimburse the disputed amount. I am also requesting a written explanation of the evidence used to deny my claims. I am seeking full reimbursement of my funds and a fair review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was having account with chase bank it was my business account under the XXXX XXXX chase bank have closed my account and there were funds in the account almost XXXX XXXX and its being more than 5 months and still they are saying reviewing and not releasing my money my business is getting effected by this so please help me out and look into the matter if you need further detail please let me know so i can provide you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
AT XXXX XXXX on XX/XX/year>, an instant transfer of {$980.00} was supposed to go from Chime to XXXX XXXX, and it came with an instant transaction fee of {$17.00} that was processed at the same time and date. The company did not do anything, they stated they verified that it went through but could not tell me why the money wasn't in my bank and when it would be there and they also could not tell me why I was charged for an instant transaction if one did not occur. The help line immediately said it went through without looking at anything and I got hung up on twice and was told they " understand me being over emotional. '' after telling them I have a XXXX. Then I was also told I am not allowed to speak to their help department. Now they won't even tell me where my money is and is stating my bank has to track chimes transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Selene Holdings LLC
State: IN

Complaint narrative:
Complaint Against Selene XXXX XXXX Failure to Conduct Reasonable Investigation Under RESPA I submitted a written Notice of Error to Selene XXXX XXXX regarding a {$450.00} per diem charge deducted from my property sale proceeds following payoff of my mortgage while in foreclosure. The per diem accrued because an amended payoff statement reflecting a revised closing date was not issued until XX/XX/XXXX, despite my prior request to Selenes foreclosure attorney ( XXXX ), who was acting as Selenes authorized agent in connection with foreclosure and payoff administration. I provided Selene with copies of email communications showing that the amended payoff was requested in advance of closing. The delay in issuing the updated payoff caused additional per diem charges to accrue, which were deducted from my sale proceeds. In its XX/XX/XXXX response, Selene characterized this matter as a contract dispute involving third parties and declined to issue a refund. However, there was no unrelated third party involved. The only parties were : Selene XXXX XXXX Selenes foreclosure attorney ( XXXX ), acting as its agent My attorney and myself Selene did not explain whether it reviewed communications with its foreclosure counsel or whether it investigated internal timelines for generation of the amended payoff. I believe Selene failed to conduct a reasonable investigation as required under 12 C.F.R. 1024.35 and improperly disclaimed responsibility for actions taken by its authorized foreclosure counsel. The fee resulted from delay within the servicers own authorized servicing chain. I request that the CFPB review whether Selenes response satisfies Regulation X requirements and whether the per diem charges were improperly assessed due to servicing delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
A third-party debt collections agency, ABILITY RECOVERY SERVICES , LLC, is reporting a medical debt collection account on my credit report in the amount of approximately {$1400.00}. This debt was previously disputed with a prior collections agency who sold the account to ABILITY RECOVERY SERVICES , LLC without resolving the dispute, potentially in violation of the Fair Debt Collection Practices Act ( FDCPA ). Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate and verifiable. Given the history of this debt being transferred between collectors without dispute resolution, I have reason to believe the reported amount may be inaccurate or unverifiable. I am requesting that the CFPB require ABILITY RECOVERY SERVICES , LLC to validate this account and immediately remove it if it can not be fully verified from all credit bureaus.

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 2026-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I have requested a detailed billing and payment ledger since Select Portfolio Servicing obtained the mortgage from XXXX XXXX XXXX and XXXX XXXX Select Portfolio Servicing just added XXXX to a current modification principal balance that should have been coded as XXXX in Escrow I want Consumer Finance to move this case to a federal Bureau of investigation. Select Portfolio Servicing is mishandling real estate customers accounts and lying to cover up fees and advanced Escrow payments. I had to write to every state agency just to get my escrow ' somewhat ' corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 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: Dave Operating, LLC
State: PA

Complaint narrative:
I am submitting this complaint regarding repeated unauthorized debit card transactions by the merchant Dave , Inc., despite my prior revocation of authorization and a stop payment placed with my bank ( XXXX ). On XX/XX/XXXX, XXXX charged my debit card {$35.00} after I had already revoked authorization for them to debit my account in XX/XX/XXXX and after my bank ( XXXX ) had blocked the merchant. I disputed this charge with my bank, and that dispute is currently open. On XX/XX/XXXX, the same issue occurred again. I temporarily unlocked my debit card for approximately one second in order to complete an unrelated purchase at a different merchant. Immediately upon unlocking the card, Dave processed a {$15.00} debit, even though authorization had already been revoked and a stop payment was still in place and was confirmed again on XX/XX/XXXX. This timing indicates that Dave was using an automated retry system tied to stored card credentials, continuing to attempt debits after authorization had been revoked. The charge was not manually initiated by me, nor did I provide renewed consent. Because this was a separate unauthorized transaction, my bank has opened a second dispute and has issued me a new debit card to prevent further unauthorized attempts. I believe this conduct violates the Electronic Fund Transfer Act ( Regulation E ), as the merchant continued to attempt and process electronic withdrawals after authorization was clearly revoked. This represents a pattern of repeated unauthorized debits rather than a one-time error.

Company response to consumer: Closed with explanation