vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: LA

Complaint narrative:
I bought my card from XXXX XXXX store on XXXX of XXXX XXXX & I tried using my card the same day later at night but it wasnt going through & upon trying to check my card balance I noticed its been ripped off with the initial {$300.00} I put on it, please I need help recovering my funds back bc its meant for my monthly XXXX and I will really appreciate your help regarding that, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LoanCare, LLC
State: MI

Complaint narrative:
Ever since my late mother 's passing ( the original homeowner ), I have been attempting to become a " Successor In Interest '' to her property. I have been paying the mortgage on the home, making repairs, etc. My mother passed on XX/XX/XXXX. I notified LoanCare ( the mortgage servicer ) of her death with the necessary documents ( death certificate, will, etc. ). Under federal law, the servicer has a " duty '' to inform me of my rights as a " potential successor in interest. '' LoanCare never did such a thing. I have recently attempted to once again establish myself as a successor in interest to my late mother 's estate, but they have completely ignored my request again. This past XXXX ( XXXX ). I called and spoke to a representative about applying for a hardship ( I lost my job in XXXX of XXXX ). I have been making the payments, but they have not been on time. If I had been placed on my late mother 's mortgage as a successor in interest, I could have obtained a hardship for the mortgage and avoided late payment fees, etc. But due to LoanCare 's refusal to add me to the mortgage as a successor in interest, I am not listed on the mortgage to apply for such a hardship ( when in fact, I should be, for I am an heir to the estate ). I have been a resident at the property for over 10 years ( I was paying my late mother " rent '' long before her death in XXXX of XXXX ). I feel as though LoanCare is unlawfully monopolizing the situation ( regarding the estate ).

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 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year> I booked a 1 king bed room through XXXX with XXXX XXXX XXXX. Upon arrival, I and my partner was informed that room was not available and was offered a room with 2 queen size beds. We checked out around XXXX XXXX or so. Before leaving out I stopped to use the bathroom and realized my partner had vomited in the sink. I asked him why didn't he clean it up and he said had tried to but the water would not drain. I did not wash my hands due to that and just used wipes I had in my purse. Later that day around XXXX I received a email that I was being billed for damages to the room. I was also alerted by Chime that an attempt was made to bill me for XXXX. I waa told water was left running that went down to the XXXX floor to the room right underneath us which was XXXX and caused damages there.I also noticed where I was billed twice for the purchase of 1 bag of chips and 1 coke. In all honesty, I believe this establishment was trying to scam me from the beginning by having a room posted on XXXX that waa not available when we arrived and offering us a room that had already had plumbing issues that they knew was already going on and tried to make us be financially liable for. After receiving those notifications I immediatley informed chime of the situation and asked them to block payment attempts from XXXX and to cancel the card and issue a new one. Chime still allowed XXXX to process a payment of XXXX even after being informed they double billed me on refreshments sending my account into overdraft. They failed to protect me a scam that hotel is doing after me being with them for many years a never having anything this extreme to occur on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IN

Complaint narrative:
Duplicate collection account. Same collection agency is reporting the same exact amount twice with the same account number and balance. This is inaccurate and inflates the debt. Please delete the duplicate tradeline and leave only one accurate entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/year>, I paid an apartment application fee and administrative fee totaling {$480.00} using my Chime debit card. 

On XX/XX/year>, the apartment complex emailed me confirming that my application was denied due to income verification. The denial email did not include any information about whether the application fee or administrative fee would be refunded, how a refund would be processed, or when a refund would be issued. 

I contacted the apartment complex by email requesting clarification on the refund status, refund timeline, and refund method, including where any refund would be sent. I did not receive a response providing this information. 

I then contacted Chime and filed a dispute. Chime classified this as a merchant dispute and advised that provisional credit would not be issued and that the investigation could take an extended period of time. 

The service was denied, and my funds are being retained without transparency regarding refund processing. I am submitting this complaint to request assistance with timely and fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have filed several complaints about wells fargo atm XXXX atm id XXXX they keep saying the atm doesn't show an overage but on the atm summary sheet I received it shows there was a hardware failure I inserted the first cash deposit of XXXX bills XXXX cash was accepted with success and cash was taken in at XXXX total cash deposit was XXXX  with XXXX bills counted and XXXX bad bills .it shows I selected deposit more and at XXXXXXXX XXXX I inserted the 2nd cash deposit of an unknown amount at XXXX cash failed on 2nd deposit with an unknown amount deposit cause of hardware failure at XXXX the machine jammed XXXX and did not return any money so please could wells fargo find someone to actually do there job or know how to read customer behavioral data XXXX XXXX was the rep this time and obviously she didn't look at this data and what puzzles me is how did the atm show a XXXX $ overage that I was awarded from my claim there is no proof showing XXXX $ so why give me anything at all if the machine didn't show an overage this bank needs to be audited cause they dont know how much money they are putting and keeping in atm machines and banks summaries if the cant tell XXXX to XXXX $ has been erased from their care

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 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX insufficient proof was returned by XXXX company. Hearsay documentation given to me, nothing to show the right to collect. verification on balance calculated no original signed agreements or contracts. They have not provided proof I owe it or the proof they own it so to my dispute they failed to provide original verifications. They only updated reporting. Portfolio Recovery Associates ( XXXX ) has provided a self-generated data printout as 'validation ' for an alleged debt of {$4800.00}. This document is not an original record from XXXX XXXX, XXXX, but rather a summary created by the collector. Under the FDCPA, a collector must provide verification from the original creditor when a debt is disputed. XXXX has failed to provide : The original signed credit agreement or contract. 

A complete transactional history or itemized statement from the original creditor. 

Proof that the XXXX XXXX ' mentioned in their Bill of Sale actually contains a valid, enforceable contract with my signature. 

Because the company is reporting unverified and unsubstantiated data, they are in violation of their XXXX CFPB XXXX XXXX regarding improper debt collection and dispute resolution. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
Western Union, herein after referred to as XXXX, refusing to enter the proper name of the recipient then refused to delete the erroneous name and transaction after instructing XXXX to cancel it. This even though XXXX states that the sender has XXXX minutes to cancel a transfer. All these instructions occurred easily within XXXX ( XXXX ) minutes on XX/XX/XXXX of 2026. But the following day, XX/XX/XXXX of 2026, I discovered that XXXX not only ignored lawful order to cancel the erroneous transfer but instead decided to process both the cancelled order to transfer {$3100.00} to the misnamed recipient and process an additional {$3100.00} to the correctly named recipient. When confronted with this compounded error XXXX XXXX defended the compounded error alleging that the fault lies with the bank SENDING THE MONEY TO XXXX A clear and unadulterated lie as XXXX REQUESTED THAT I ALLOW XXXX BE LINKED TO MY BANK ACCOUNT! 

I request that XXXX be ordered to refund all costs and damages caused me be they direct or indirectly as draining my funds has caused overdraft fees, loss of interest, loss of use of my funds AND DAMAGED MY CREDIT RATING. 

I can be reached at ( XXXX ) XXXX or via email at XXXX. If I dont answer my phone please leave a message, number and best time to return the call keeping in mind that I live on the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: IN

Complaint narrative:
U.S. Bank is reporting my checking account to XXXX  as an overdraft charge-off in the amount of {$140.00} ( account closed XX/XX/year> ). 

I disputed this reporting directly with XXXX  and with U.S. Bank. XXXX  has now responded in writing stating that my dispute was deemed frivolous or irrelevant solely because U.S. Bank previously verified the information, and XXXX  has therefore ceased reinvestigation. 

U.S. Bank has failed to conduct a reasonable investigation into my dispute and has not addressed my claim that I did not receive proper notice that this account would be reported to XXXX. The continued reporting is disproportionate given the minor balance and has caused ongoing harm by preventing me from opening basic deposit accounts.

I am requesting CFPB assistance to require U.S. Bank to conduct a proper investigation and to remove the XXXX  reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
This is in response to a debt that Radius Global Solutions LLC is currently reporting on my consumer credit reports. This letter serves as a formal request for validation and verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Someone stole my rent check and washed the name and cashed it to themselves. {$4000.00} When I did Get notified that my rent was not paid that month I called PNC bank and they said I waited Too long to report it and would not reimburse me this huge amount of money. They know the name of the person who stole it and they deposited it into their account at XXXX bank. I have A police report but nothing has happened and XXXX still out a huge amount of money. Its so frustrating to say the least. I have Banked with PNC for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XXXX : Unauthorized Address Change and Failure to Protect Joint Escrow/Settlement Funds I am a co-borrower on a mortgage formerly serviced by Mr. Cooper. Following my divorce, a XXXX XXXX XXXX ( XXXX ) was established, stipulating that all proceeds from the sale or settlement of the property be divided 50/50 between myself and the other co-borrower, XXXX XXXX. 

In or around XX/XX/XXXX, Mr. Cooper permitted XXXX XXXX to unilaterally change the mailing address on our joint account to his personal residence in XXXX, WA. This change was made without my knowledge, consent, or signature. By failing to verify this change with both parties on the mortgage, Mr. Cooper enabled XXXX XXXX to intercept joint funds. 

Mr. Cooper subsequently issued at least two checks ( totaling over {$3000.00} ) made payable to both " XXXX XXXX AND XXXX XXXX. '' Due to the unauthorized address change, these checks were mailed to XXXX XXXX residence, where he negotiated them without my endorsement. Mr. Coopers failure to maintain secure account protocols for joint borrowers directly resulted in the misappropriation of my legal property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
As i mentioned, i disputed this debt on credit karma for wrong amount of debt owed. I wasnt denying this debt, but trying to have the amount corrected. Just days after submitting the dispute, i have gotten harassed by the XXXX syung they are with XXXX XXXX & i NEED to pay off the {$890.00} in XXXX over the phone otherwise its neglecting a payment to a agency and thats a crime i can be convicted of! I told the rep do not contact me again and i would be contacting a higher up corporation to handle this and blocked the number. Its always a different phone number calling me though and sometimes its XXXX to 4 times per day on XXXX. 

The creditor is XXXX XXXX IN XXXX XXXX NV. 
ALL STAR BAIL BONDS SENT ME TO COLLECTIONS WITH XXXX $ AS THE BALANCE DUE BUT I HAVE PROOF OF MY PAYMENT HISTORY ON BANK STATEMENTS REFLECTING I OWE MUCH LESS. I was happy to adjust the amount i owed but now this agency keeps harassing me.

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 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
I was given a complaint from an attorney, and it was associated with XXXX XXXX They sued me in the XXXX of Pennsylvania. They put a judgment against my name and threatened to come after my property and garnish my wages. They never provided proof of the debt I asked through email multiple times I spoke to XXXX XXXX at XXXX XXXX. The attorney would never speak to me personally I have a docket number and a case file number. XXXX Is their file number. This item is listed on the docket in the XXXX of XXXX XXXX Web docket portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I received a gift card for XXXX. I checked balance before using. Tried checking online but wasn't working. So called and balance was available. By the time I tried to use it to pay bill online money was gone. This was discovered because transaction kept declining. So I checked balance again it said balance is XXXX XXXX. I reached out to the dispute department to start a case and they were willing to help me. They determine that it should be investigated of no fault of my own. They sent out a replacement card which I do have. I received a email saying that an investigation would be started with a new Cds number. They also sent an email stating they sent me steps however I did not receive any steps and even emailed them back requesting the next steps to take but received AI information in return. Therefore it was general information and nothing specific to my case. I tried calling the dispute department again and the system did not recognize the NEW CdS number that was provided to me since they closed the other card connected to another cds number then I was hung up on which I recognize could have been a system issue. However I am getting impatient because I've been waiting patiently and I've done everything I'm supposed to do. I feel like the ball has been dropped. How are these people still getting away with stealing money like this??? That gift card was a blessing to me and {$25.00} may not seem like much to people but I depended on that and no one has followed up with me or reached out regarding my case. That's money that was just stolen and there are no consequences for the person that did it and that probably is continuing to do it to others. Transparency is better than broken promises, giving people the run around ; giving false hope. Customer service should be good customer service no matter what if that's what your company represents

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I tried to open an bank account an was given XXXX XXXXnformation an denied.

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 2026-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
Fair Collections & Outsourcing is reporting a collection balance related to a residential XXXX XXXX  during the XXXX emergency period. I was approved for XXXX assistance through XXXX XXXX. 
Official records from the XXXX XXXXXXXX XXXX assistance portal show my case status as PAID, with approved XXXX XXXX XXXX assistance totaling {$10000.00} tied to this tenancy. 
Contemporaneous correspondence with the XXXX XXXXXXXX confirms approval of rXXXX assistance and that the funds were never received or credited, and no proof of payment was ever provided. 
During XXXX proceedings, the judge recommended XXXX XXXX XXXX XXXX XXXX Assistance ; however, that program was unable to assist because All XXXX system reflected that my rent had already been paid. 
As a result, the amount being reported includes sums officially marked as paid in a XXXX assistance system but never credited to the XXXX. The balance is therefore inaccurate and unverifiable. I dispute Fair Collections & Outsourcings authority to report or collect this amount without documentation reconciling these discrepancies. 
I am requesting a full investigation, a complete itemized ledger, proof of payment or non-payment of XXXX  assistance funds, proof of assignment, and correction or deletion of this tradeline under the Fair Credit Reporting 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 2026-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
Company : Bridgecrest Issue : Inappropriate collection practices/ Improper questioning Product : Auto loan Complaint Details : On XX/XX/year>, at approximately XXXX XXXX., I contacted Bridgecrest customer service for the sole purpose of making a payment on my auto loan account. 

During this recorded call, a customer service representative asked me the following question : Do you know when you receiving your taxes? 

This question was inappropriate and unrelated to the purpose of my call. I was not seeking financial counseling, hardship assistance, or discussing future income. My tax matters and any potential tax refund are private financial information and not relevant to processing a payment or discussing lawful payment options. 

When I requested the representatives name, customer service informed me that this information would not be released. 

I believe this question constituted improper and unnecessary collection conduct and created pressure related to my tax refund, which Bridgecrest has no legal authority to access or intercept. I am concerned about compliance with federal consumer protection standards, especially given that the call was recorded. 

I am requesting that : This incident be formally reviewed and documented Bridgecrest ensure representatives do not inquire about tax refunds or tax timing All future communication remain limited to lawful payment discussions I am submitting this complaint so the issue is documented and to prevent future occurrences.

Company response to consumer: Closed with explanation