vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OK

Complaint narrative:
I am filing an urgent complaint regarding repeated unauthorized withdrawals through Chimes XXXX feature. My agreed repayment schedule is tied to my direct deposit from XXXX, which occurs weekly on Wednesdays. However, Chime has debited my account multiple times outside of this agreed schedule without notice, authorization, or explanation. Documented unauthorized debits include but are not limited to : XX/XX/XXXX ( non-payday ), XX/XX/XXXX ( twice at XXXX XXXX and XXXX XXXX ), XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This pattern clearly shows repeated withdrawals occurring outside of my direct deposit repayment agreement. These actions violate Chimes own stated repayment terms, which indicate repayment is to occur upon receipt of qualifying direct deposit, not through repeated or random debits throughout the week. This conduct constitutes violations of the Electronic Fund Transfer Act ( 15 U.S.C. 1693e unauthorized electronic fund transfers ), as well as Regulation E, which requires proper authorization and clear disclosure of recurring electronic debits. Multiple debits outside the agreed schedule without authorization or notice are unlawful. I am demanding : Immediate refund of all unauthorized withdrawals taken outside my agreed repayment schedule A full accounting of all MyPay transactions and repayment activity Immediate cessation of any further off-schedule debits If this issue is not resolved immediately, I will pursue further regulatory action for continued violations and unauthorized debiting practices. I have retained full documentation and screenshots supporting these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, I authorized a {$10.00} tap-to-donate transaction via XXXX XXXX with SQ XXXX CLUB SPORTS. However, my account was charged {$990.00}. I do not dispute that I authorized a transaction ; I dispute the amount. I did not authorize a {$990.00} charge. I reported this to Navy Federal Credit Union and filed a dispute. Provisional credit was issued and later reversed after the claim was denied. The stated basis for denial appears to be that I authorized a transaction ; however, this does not address the discrepancy between the amount authorized ( {$10.00} ) and the amount charged ( {$990.00} ). A finding that a transaction occurred does not establish that the amount was authorized. This constitutes an error in the amount of an electronic fund transfer under Regulation E ( 12 CFR 1005.11 ). Navy Federal has not demonstrated that I authorized the {$990.00} amount. I requested all documentation relied upon in denying my claim, including any record of authorization for the {$990.00} amount, merchant receipt ( s ), and a written explanation of their findings. To date, this information has not been provided. I am requesting : 1. All documentation relied upon in denying my claim 2. Proof of authorization for the {$990.00} amount 3. Correction of the error and reimbursement of the disputed funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MN

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nextXX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 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: TransferWise Ltd
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased {$49.00} in XXXX photo credits from XXXX ( Invoice : XXXX ; Wise ID : XXXX ). This was a pay-per-use credit purchase. The service delivered output that was materially different from the advertising and the input provided. Specifically, I am a XXXX man who wears a turban, and the output delivered did not accurately depict me, instead ouputs showed different-looking individuals without my turban or other Sikh gentlemen. Other pictures would remove my arm or not listen to my prompt such as adding a watch on my wrist. Other pictures were just identical to past outputs. Even one output looks like someone copied and pasted a very creepy looking version of me on someone else 's body. The unusable outputs consumed the credits I purchased. Between XX/XX/XXXX and XX/XX/XXXX, I tried three times to contact the merchant through their website form to resolve this, but received no response. The form did not generate a confirmation email. I then sent a direct email to the merchant on XX/XX/XXXX, at XXXX XXXX. I disputed the charge with Wise, but Wise repeatedly treated the matter as a subscription-cancellation issue instead of fairly reviewing whether the service delivered matched what was promised. Wise issued its final denial on XX/XX/XXXX, under complaint reference XXXX. This handling is concerning in light of Wise 's XXXX CFPB Amended Consent Order ( XXXX ) regarding failures to adhere to error-resolution provisions and requiring excessive information before commencing investigations. I am requesting a full refund of the {$49.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was invited through a mailer to apply for a capital one credit card and in the letter i received it said I was pre-approved, and so I called the number and they asked if I wanted to apply and I said yes as long as it wouldn't hurt my credit score because I am trying to get a house, and I specifically told them I didn't want to do it if it was going to hurt my credit score, and the telemarketer at their phone center said well we have your permission to go ahead, and then she did whatever she did and I told her no you didn't have my permission and I have tried everything to get them to fix it and they have refused to do anything or even respond to my messages or my phone calls and I have asked them repeatedly to do something before I had to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I rented through XXXX a rental property in XXXX. There was no warm water ( not even lukewarm ) for the first XXXX nights. I reported the issue immediately to both the host and XXXX. The issue was fixed on the XXXX day ( XXXX ) and I have screenshots of the communication with the host, where I followed up repeatedly and proof that the host sent a technician to fix the issue, which was resolved on Thursday afternoon. I requested a refund from XXXX for paying for services not provided. XXXX ( XXXX different supervisors ) offered partial refund in the form of cash and bonus points, which I declined as it was too small. I followed up w/ Capital One to dispute the charge and provided all documentation. XXXX responded claiming that all services were fine and as promised and that all refunds should be for cancellations made before entering the premises ( which is unreasonable, since we could not have possibly known the issue with the warm water )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: eCon Credit LP
State: NV

Complaint narrative:
Hello, My name is XXXX XXXX my account number for nationwide is XXXX my car Vin number is XXXX, phone number is XXXX I am submitting this complaint regarding my auto loan with XXXX. I requested a voluntary surrender or anything to give up my vehicle because I am no longer able to make payments and want to avoid further financial harm and the car have not been working for XXXX months while i was still paying for insurance and payment to nationwide. I have kids and im a single parent that cant afford it anymore. Despite following the proper procedures and communicating my request multiple times, Nationwide has refused to accept the voluntary repossession and insists that I continue making payments. This refusal puts me in a difficult financial situation and may lead to further negative consequences, including damage to my credit. I am requesting the CFPB to investigate this matter and assist in ensuring that Nationwide processes my voluntary surrender or provides a clear explanation in line with state and federal regulations. Thank you for your attention and assistance. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc.
State: CA

Complaint narrative:
I do not recognize the information provided. It is not from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank closed my checking and savings accounts after a review and stated in writing that any remaining funds would be mailed to me once the account was closed. My accounts were positive at the time of closure, with approximately {$2200.00} total across my checking and savings accounts. I have proof of activity on the account, including a completed {$1000.00} XXXX payment from my Citi savings account, confirming funds were available. It has now been over XXXX months, and Citibank is claiming that no money is owed to me while also refusing to provide a written accounting or explanation of how my balances reached XXXX. I am requesting a full written transaction history from at leasXXXX XXXX days before closure through the closure date, including any reversals, returned deposits, charge-offs, or internal adjustments. I am also requesting the immediate release of any remaining funds owed to me and written confirmation of when I will receive them.

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MN

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nextXX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.

Complaint narrative:
This is a follow up of the XXXX ID XXXX The financial organization replied to my complaint saying they have identified the issue and addressed it. ( The response is attached! ) However, when I reviewed the payment history, it does not reflect what they said they would do. If this is any indication - this is the third complaint about this load manager. And, I am really surprised how inadequate their capabilities seem. I am attaching how my two loan accounts are showing the payment histories. In particular, there are no records of two payments of {$270.00} each on or after XX/XX/year>. My payment confirmations, the payment history screenshots and organization response to the previous complaint are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Validation of Debt Request - XXXX - XXXX * * * * * * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nexXX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
Validation of Debt Request - CDR GENESIS - XXXX * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nextXX/XX/XXXXdays : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
After constantly months of calls. I finally reached out to Aldous & Associates to settle my debt. Upon settling my debt I asked for a PDF to confirm the payment. They have refused and given me several different answers as to why they cant provide the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ

Complaint narrative:
FNBO CC was paid in full, FNBO sent me a bill for {$78.00} after there was XXXX balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I got a phone call on XX/XX/year>, from XXXX XXXX Credit card ( XXXX ) stating that I show fraudulent transaction on my account. I didn't trust the call because I knew and didn't have a XXXX XXXX XXXX. I did google Comenity bank and called to be told the same information about an account being open in my name. I asked when it was open and I was advised that it was open XX/XX/year>. I then proceed to check myXX/XX/XXXXand didn't notice any new activity. The representative at Comenity stated that they will file a dispute, close the account and I will send me something via mail. On XX/XX/year>, I got an email fromXX/XX/XXXX that notified me that a new account was added to my XX/XX/XXXXcredit file. I then proceed to call them. Due to the fact it waXX/XX/XXXX I was unable to file a dispute but was helped by putting a freeze on my account and a fraud notification went out. I proceed to calling on XX/XX/XXXX which I was able to file a dispute at that time and was advised to make a report her or at the local police station.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: MN

Complaint narrative:
XX/XX/XXXX I closed on a mortgage with XXXX XXXX. Shortly there after, the mortgage sold to Guaranteed Rate. Before I made my first payment, the mortgage sold to XXXX. I made payments to them. In XXXX I received a letter from XXXX XXXX that my taxes were delinquent. I called XXXX several times to have them paid. I didn't receive resolution because the loan was again sold to a new provider, AmeriHome. I first called AmeriHome on XX/XX/XXXX. I have called many times since and I can not get resolution. XXXX XXXX is now sending threatening letters stating that I will lose my property through forfeiture if taxes are not paid by XX/XX/XXXX. Additionally, penalties, interest and fees accrue with each passing month. XXXX made the original mistake and did send me payment for the fees, penalties and interest through XX/XX/XXXX, but said only AmeriHome can pay the taxes from escrow since they are the current loan holder. XXXX calls ago I suggested to AmeriHome that I just pay the taxes myself ( not out of escrow ). The representative told me not to pay them or I might not get reimbursed by them for the rest of the fees. She told me that it would be resolved by last XX/XX/XXXX. It was not. I called Thursday and they said it would be resolved by week 's end. It was not. I called this morning and was put on hold and then disconnected. I have called back twice and now can not get through to a representative. They are holding my money hostage in escrow and refusing to pay my delinquent taxes. I am not sure what else to do. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc
State: TN

Complaint narrative:
Consumer Financial Protection Bureau Subject : Complaint Regarding Unauthorized Withdrawals After Account Paid in Full I am filing a formal complaint regarding continued automatic withdrawals after my financial obligation was satisfied in full. I entered into a Conditional Release installment agreement related to a motor vehicle accident claim. The total agreed balance was {$1000.00}. My records show that I have paid an amount exceeding the full balance owed. Despite satisfying the debt, recurring payments of {$89.00} have continued to be drafted from my account. These additional withdrawals are unauthorized because the obligation has already been fulfilled. I have made multiple attempts to resolve this matter directly and have requested confirmation that my account is paid in full and that all recurring payments be stopped immediately. As a result of these continued withdrawals, I am requesting the following : Immediate cessation of all recurring payments related to this account A full refund of any overpayments collected beyond the agreed balance of {$1000.00} Written confirmation that my account has been marked Paid in Full Confirmation that no negative reporting or action will be taken regarding my compliance with the Tennessee Financial Responsibility Law Confirmation that my personal financial information will not be used for further unauthorized drafts I am requesting that this matter be investigated promptly and resolved as soon as possible. I expect written confirmation of resolution and refund processing within a reasonable timeframe. Thank you for your attention to this matter. Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ] [ XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
The credit card had expired XXXX of XXXX and replacement cards has been requested. Company claims that they have send the replacement cards to my address and was also showing received. I have not received any replacement cards and decided to close the account XX/XX/XXXX since it has no use for me anymore. By XX/XX/XXXX, I have PAID IN FULL and utilized that option on their website, a few weeks later I am being charged interest and late fees. Since the account has been closed and paid in full I should no longer be paying anything at all. I called and spoke with a supervisor and they are stating that I am still responsible for those fees despite paying in full and the account closed. Their payment option is misleading and has led me to fil this complaint as well as sending them formal dispute letters.

Company response to consumer: Closed with explanation