vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
I have a XXXX checking account. Ive been using it as my main banking account for almost a year now, if not longer. In XX/XX/XXXX at XXXX I went to XXXX XXXX XXXX where I purchased a XXXX XXXX, and a bottle of XXXX. I have a receipt from the merchant, showing a charge for {$5.00} I later went to get gas and my card was declined. This is a little embarrassing, but I do live paycheck to paycheck. Times are tought right now. I logged into my XXXX account to see THEY charged me {$26.00} for the same transaction I described early. It XXXX out what I had left until I get paid on Tuesday, leaving me with no money for gas or food making getting to work really dificult. She tried to tell me it was the merchant and I needed to get the receipt, and I explained to her I had the receipt and it showed the merchant only charged my {$5.00}, the correct amount. She went on to argue that there was nothing she could do for me now, but she could file a dispute for the discrepancy. However, unless i upload pictures of the reciept to the team investigating, it will probably be dismissed. She couldnt verify what was purchased against the cost, as XXXX only shows the transaction occurring but doesnt give a list of whats being purchased. And thats all I can see in my end as well. Wich raises huge red flags as the money has seemed off for a while and I just chalked it up to me being forgetful. I have no way to go back and verify that everything I purchased was charged correctly on XXXX. I asked if they did, or she could confirm this hasn't happened before and I just didn't notice, amd she couldnt answer me. She just said theres no way for her to see the full transaction. I keep attempting through thier app and website to file a complaint, to be met with and email telling me I used an old or outdated process and it wasnt received. Im very worried about this. I would like to know what kind of legal recourse I have if any to make this situation right as I now feel as though XXXX has been over charging me and stealing my money for a good while now. I have the receipt, screenshots of the XXXX transaction, timestamps, a pending dispute in process, and im getting absolutely no help or sympathy from XXXX support. Please let me know what steps I can take to pursue legal action. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of my account. The reported information contains errors that do not accurately reflect my payment history. I have been a responsible payer, and the negative remarks on my account are incorrect. Under 15 U.S. Code 1666b, creditors are required to promptly correct billing errors. Additionally, under 15 U.S.C. 1681i ( 7 ), I am entitled to a full description of the reinvestigation procedure conducted regarding my dispute. As a consumer, I request to know all the steps the agency took to ensure the accuracy of the reported information before it was added to my credit report. Despite my efforts to dispute this matter directly with the reporting agency, I have not received adequate verification or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I was approved for a loan workout in XX/XX/XXXX. I paid the loan request immediately, only to be told this payment was 'too early '. When I was able to scrounge up another payment, I paid them accordingly, but was delinquent. When I paid another payment in XX/XX/XXXX, the payment took 3 business days to debit from my account- in which time other creditors have debited money from my account, causing this payment to come back NSF. I want to understand why this payment took 3 days to debit ; i do not have this problem with any other debitor, it should not be an issue with a large bank. As a result, my workout renewal has been denied and now I am in the foreclosure proceeding. This feels like a concerted effort by XXXX XXXX XXXX XXXX to make it difficult to keep my home and to being foreclosure proceedings. I have offered in good faith to pay XXXX XXXX XXXX XXXX only to be rebuffed in attempt of payment.

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 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc.
State: VA

Complaint narrative:
Southern Management ( a debt collector ) called me and my family on or around XX/XX/XXXX attempting to collect a fraudulent debt from XXXX XXXX an apartment complex in XXXX I have never lived in XXXX I have never rented from XXXX and I have no knowledge of ever owing this company money. I have only ever lived in XXXX XXXX XXXX I believe this was the result of identify theft, someone using my SSN and name to fraudulently apply for an apartment without my knowledge. I have tried to dispute this with the XXXX Credit Bureaus, it appears XXXX XXXX has removed, XXXX is requesting more information from me and XXXX is pending investigation for fraud. I have not attempted to contact Southern Management as I do not wish to talk directly to a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had several credit accounts with Citibank, and used them as agreed. The bank systematically reduced my credit limits Despite over a decade of on-time payments and using the accounts as agreed. This reduction, leads to an increase in credit utilization, now they are canceling my cards based on the elevated utilization percentage. This is entirely corrupt, no action of my own violated any terms of the agreement, and no action of my own lead to the reduction in credit limits. Citibank directly caused my score to decrease and then penalized me for the decrease in credit score. Having multiple cards over more than a decade, paid as agreed. This directly affected my overall credit score and directly affected my other credit accounts, this is an unacceptable business practice and corrupt at its core. Even if I reapply, I will lose more than a decade of compliance and on time payment history. This is grossly negligent for a company to be allowed to act in this manner.

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 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of my account. The reported information contains errors that do not accurately reflect my payment history. I have been a responsible payer, and the negative remarks on my account are incorrect. Under 15 U.S. Code 1666b, creditors are required to promptly correct billing errors. Additionally, under 15 U.S.C. 1681i ( 7 ), I am entitled to a full description of the reinvestigation procedure conducted regarding my dispute. As a consumer, I request to know all the steps the agency took to ensure the accuracy of the reported information before it was added to my credit report. Despite my efforts to dispute this matter directly with the reporting agency, I have not received adequate verification or resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Dear Sir or Madam, This communication serves as a formal dispute regarding a collection notification we recently received concerning an alleged debt to XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX, XXXX, we were alerted by XXXX XXXX about a collection account opened by XXXX XXXX XXXX ( XXXX ) for {$290.00}. This is particularly concerning as it appears to be a re-emerging and fraudulent claim. We previously received a collection notice for the * identical * alleged debt amount of {$290.00} from IC Systems in XX/XX/year>, also referencing XXXX XXXX XXXX XXXX XXXX. We wish to state unequivocally that neither my husband, XXXX XXXX, nor I have ever opened an account with XXXX XXXX XXXX XXXX XXXX, nor have we ever engaged in any business dealings with them. We have never been customers of XXXX XXXX XXXX XXXX XXXX at our current address of XXXX XXXX XXXX, XXXX, PA XXXX, or at any previous residence. Upon receiving the initial collection notice from IC Systems in XX/XX/year>, we were advised to file a police report to document potential identity theft or fraudulent activity. We promptly did so, and a copy of this police report is attached for your immediate review and consideration. Furthermore, all our television, internet, and streaming services are, and have exclusively been, provided by XXXX. Our credit report, which you are welcome to verify, will corroborate this information, showing no history or association with XXXX XXXX XXXX XXXX XXXX services. We meticulously manage our finances and maintain an exemplary credit record, consistently paying all our obligations on time. Our commitment to financial responsibility is verifiable through our comprehensive credit history. The appearance of this baseless and fraudulent collection negatively impacts the credit we have diligently worked to build and protect. We request a thorough investigation into this matter. We askthat this erroneous collection account be immediately removed from all credit reporting agencies ( XXXX, XXXX, and XXXX ) and that all collection attempts cease permanently. Please provide written confirmation of the resolution of this dispute, including verification that this alleged debt has been purged from our credit files and will not reappear. We are prepared to provide any further documentation or information required to assist in resolving this fraudulent claim swiftly and ensuring our credit integrity is restored. Thank you for your prompt attention to this urgent matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA 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
Consumer complaint received 2026-05-04 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a complaint regarding Citis handling of my credit card dispute. The transaction from XXXX XXXX for {$520.00} occurred on XX/XX/year>. I submitted my dispute on or about XX/XX/year>, within the timeframe required under the Fair Credit Billing Act. Citi accepted the dispute and issued a provisional credit, confirming that the dispute was valid and under investigation. The credit was later reversed after the merchant responded. I then submitted a written request for reconsideration. Citi states they received my correspondence on XX/XX/year>, and refused to investigate further, claiming the dispute was received too late. This is incorrect. The dispute was mailed within the required timeframe, and Citi had already accepted and processed the dispute. My follow-up was not a new dispute, but a request for reinvestigation of a timely dispute. The underlying issue remains unresolved. The airline service was never used, the cancellation was processed with a {$0.00} fee, and I was issued only a limited credit instead of a refund despite purchasing cancellation flexibility. I am requesting that Citi properly investigate this matter and resolve the billing error in accordance with the Fair Credit Billing Act.

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
claim number : # XXXX date of incident : XX/XX/year> date of report to bank : XX/XX/year> police report made : XX/XX/year> XXXX On XX/XX/year>, at approximately XXXX XXXX, I was contacted by this cell number ( XXXX ) XXXX. This number sent a message stating : Bank of America Security Alert : Did you attempt a transaction for {$670.00} at XXXX in XXXX, Florida, on ( XX/XX/year> ). The sender informed me to respond with Y to confirm or N to deny. I then replied no, as I did not authorize the charge. The number then replied that a specialist from Bank of America 's fraud department would be contacting me with a reference number of # XXXX. Shortly after, I received a phone call from this number, identifying themselves as Bank of America 's fraud department. I can not recall the individual 's name at this time, but his name is listed on the police report. This individual began verifying my personal information, like home address, first name, and last name. After reading off my personal information, He began explaining that he was a representative for Bank of America 's fraud department and that there was suspicious activity taking place within my account. When asked to clarify, He stated that someone was attempting to steal money from my account. He then provided instructions for me to secure all of my funds through a wired transfer through " XXXX '' I then followed his instructions, believing him to be a representative. He stated that the funds would then be returned to my account within 24 hours. The total amount lost was {$6300.00}. XXXX XXXX support was also contacted, but was informed to file the report through Bank of America. However, after the transfer was completed, I was informed that I had fallen victim to a scam under Regulation E of the Electronic Funds Transfer Act. I informed Bank of America on XX/XX/year> and opened a claim under this regulation. Bank of America did not take any evidence from me and stated that the claim would be reviewed. During this process, Bank of America restored the funds to my account, but did not inform me that the claim was still under review. On XXXX XX/XX/year>, Bank of America informed me by email that they would be removing the funds of {$6300.00} on XX/XX/year>. The reason for their denial was " the charge was authorized by you, or made by someone who has permission to use the card or account. '' I was the victim of a bank impersonation scam in which the caller identified themselves as spoofing Bank of America 's identity. According to CFPB guidance, authorization obtained through impersonation of the financial institution is considered " unauthorized '' under Regulation E. The Bank is refusing to follow federal error resolution requirements.

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 2026-05-04 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: Chime Financial Inc
State: MO

Complaint narrative:
Consumer Complaint Narrative I am filing this complaint against Chime regarding unauthorized transactions and the companys failure to protect my account after I reported fraudulent activity. I notified Chime of suspicious and unauthorized transactions involving XXXX XXXX. During that initial contact, I was led to believe that the merchant would be blocked and my account would be protected from further unauthorized withdrawals. Despite my timely report, additional transactions were still processed after I had already notified Chime of the fraud. This is the core issue of my complaint. Once I reported the activity, my account should have been secured immediately to prevent further loss. Because Chime failed to act appropriately after being placed on notice, I suffered additional financial loss that could have been prevented. I have documentation showing the timeline of my report and the continued withdrawals that occurred afterward. Under the Electronic Fund Transfer Act and Regulation E, financial institutions are required to investigate unauthorized transactions and limit consumer liability when fraud is reported in a timely manner. I fulfilled my obligation by reporting the activity. Chime failed to fulfill theirs by allowing continued transactions and failing to adequately protect my account. This situation has caused significant financial hardship. These funds were necessary for essential living expenses, including rent and basic needs. I should not be held responsible for unauthorized charges, especially those that occurred after I reported the fraud. I am requesting the following resolution : Full reimbursement of all unauthorized transactions, especially those that occurred after my initial report A proper and thorough investigation into the handling of my dispute Written confirmation that the merchant has been permanently blocked Assurance that my account has been fully secured I have made multiple attempts to resolve this issue directly with Chime, but the matter remains unresolved. I am now seeking assistance to ensure that my rights are upheld and that I am made whole financially. I am prepared to provide documentation supporting my claim, including call logs, transaction history, and records of my communications with Chime. Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I am filing a complaint regarding improper charges applied to my mortgage account due to a servicing error by XXXX XXXX. XXXX XXXX previously acknowledged in writing that they failed to process a hazard insurance premium payment despite the policy being properly updated in their system. This failure resulted in the cancellation of my insurance policy and a lapse in coverage, followed by lender-placed insurance. In a prior resolution, XXXX XXXX admitted fault and applied corporate funds to partially offset the cost difference caused by their error. However, I am still being charged {$400.00} for a lapse in coverage. In their most recent response, they claim that no error occurred and that I am responsible for this charge, which directly contradicts their earlier written admission of servicing error. The lapse in coverage was caused entirely by XXXX XXXX failure to process the insurance payment, not by any action on my part. I had an active policy and fulfilled my obligations. I am requesting : - Removal of the {$400.00} charge related to the alleged lapse - Correction of my escrow account - A consistent and accurate accounting of the servicing error previously acknowledged XXXX XXXX should not be allowed to shift financial responsibility to me for an issue they have already admitted was caused by their own error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have three credit cards with Bank of America. This complaint relates to my travel credit card, which had a balance of less than {$60.00} and was rarely used. I believed my credit cards were enrolled in autopay based on prior setup with the bank. However, I was later informed that autopay was not active on this account. I did not receive clear alerts or notifications that the payment was overdue. I regularly receive text alerts from the bank and expected to be notified of a serious delinquency, but I was not. On XX/XX/XXXX, I contacted the bank regarding this account. During that call, I made a full payment to bring the account current. I was told autopay was not active and requested that it be set up again at that time. At no point during this call was I informed that the account had been closed on XX/XX/XXXX. Today, XX/XX/year>, I was informed during a call that the account had been closed on XX/XX/XXXX. This was not previously communicated to me through email, text, or other direct notification, and it was not disclosed during my XX/XX/XXXX call when I actively discussed and made payment on the account. Despite immediately resolving the balance upon discovery, the account was reported with a 60-day late payment, which negatively impacted my credit score. I am requesting a review and goodwill removal of the late reporting based on immediate payment upon discovery, lack of clear notification regarding account status, significant amount of funds in the checking account for a small payment of less than {$60.00}, and my prior payment history.

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