vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
On Tuesday, XX/XX/year>, my XXXX account was permanently deactivated without warning or detailed explanation. I received a generic, automated email stating that my account violated the User Agreement, but the company has refused to provide any specific details regarding the alleged violation. I have contacted XXXX support multiple times to resolve this issue and have only received automated, copy-pasted template rejections. Front-line customer service agents state they do not have access to the specific reasons for the ban and can not escalate my file to a human reviewer. My account has zero history of high-risk behavior, disputes, or fraud. My transaction history consists entirely of small, routine, everyday personal expenses like food, shopping, and gas. As a consumer, I am being denied access to essential financial services and my own transaction history based entirely on an automated algorithmic error that I am unable to challenge or verify. There are no disputed funds, no fraudulent activity, and no financial losses associated with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CMG Financial Services, Inc.
State: OH

Complaint narrative:
I contacted CMG Home Loans support in XXXX of XXXX, via email or phone support on how to formally request my PMI to be reviewed and possibly removed. I was advised to submit a Request ticket on their XXXX XXXX XXXX portal. I provided all the requested information in my request. This request was submitted on XX/XX/XXXX. This is request is still pending review in my XXXX XXXX XXXX portal, I have not received an update. XX/XX/XXXX, I called XXXX XXXX XXXX XXXX via phone to get an update on this request. The agent told me I need to file a new request. I inquired why a new request would be made when the original request with no response was still open. She mentioned the ticket was beyond XXXX days old and a new one needed to be made. Despite my pushback on this, as I want the original ticket from XX/XX/XXXX to remain open, she told me it was the only option to start a new request. She submitted the new request on my behalf, while I remained on the phone. I asked for a request number to confirm it was made, she was unable to provide that, and said I would get a response within XXXX days from today. CMG Home Loans has violated the federally required time limit to review and reply to my original request submitted on XX/XX/XXXX. By forcing me to open a new request, I suspect they are wanting to restart their clock for a XXXX day response, rather than acknowledge their overdue response on the original request. My loan value is now below 80 % of the original appraisal value when the loan was opened in XXXX, I have never missed a payment, the account is in exceptional standing, and the home value has increased, not decreased so there is no reason why this should not get approved to remove my PMI. I am now in another XXXX day wait period, while they review my new request. I expect the original request to be reviewed and back dated once the new request is approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX I noticed irregularities. I had XXXX charges which my husband and I do not subscribe to XXXX The bill was XXXX. I called Chase Credit card and there were other charges from previous month. The representative said just pay {$330.00} and will investigate the charges. They sent another card. I checked my bill that came XX/XX/2026 and they deducted charges then added them back in. The bill was for {$530.00} with the XXXX charges back in the bill. My items were {$290.00}. I called and the Customer Service Representative said that XXXX paid the charges and so did Chase. I was paid twice. I did not receive anything from XXXX since I am not a subscriber I talked with manager and She stated I need to pay the {$240.00}. I said none of this was our fault. They are the ones that made the mistake. She refused to help. I canceled my card. I think its not fair for us to pay XXXX charges when someone hacked my card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: CA

Complaint narrative:
I contacted IC System XXXX months regarding a collection account originally from XXXX that is appearing on my credit report. I explained that I did not live at the service address at the time the debt was incurred and disputed responsibility for the account. IC System refused to remove the collection account and the dispute remark which is all I originally wanted removed and advised me to contact the original creditor, XXXX, which I did XX/XX/year>. I then submitted a formal claim/dispute directly to XXXX via XXXX so there would be a written XXXX XXXX. In my dispute, I provided documentation including a copy of my lease showing my residence during the time the utility charges were incurred, which demonstrates that I did not live at the address associated with the debt during that period. Despite providing documentation supporting my dispute, the collection account remains on my credit report. I am requesting that this matter be properly investigated and that the inaccurate collection account be removed.

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 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am filing this complaint against PayPal for a breach of its contractually guaranteed " Purchase Protection '' and for unfair and deceptive practices ( UDAAP ) under the Consumer Financial Protection Act. On XX/XX/year>, I paid a PayPal Invoice ( Transaction ID : XXXX ) for {$1500.00} to purchase a laptop. The seller ( XXXX XXXX ) was a fraudster who never shipped the item and blocked me. On XX/XX/year>, I immediately opened a PayPal " Item Not Received '' case ( Case ID : XXXX ). However, due to a severe panic-induced error, I also contacted my bank ( XXXX ) to stop the transaction, which XXXX coded XXXX an " unauthorized transaction. '' Although I tried to cancel the bank dispute on XX/XX/XXXX, XXXX 's system overrode PayPal 's system. PayPal permanently rebranded my " Item Not Received '' claim into an " unauthorized chargeback '' status. On XX/XX/year>, XXXX officially denied the unauthorized claim, reclaimed my temporary credit, and returned the {$1500.00} to PayPal. There is XXXX risk of double recovery ; PayPal has been in possession of my {$1500.00} since late XXXX. Despite being fully aware of the merchant 's fraud ( documented in the attached evidence packet where the seller admits they still have the laptop ), PayPal 's automated system defaulted to closing my case on XX/XX/year>, in the fraudulent seller 's favor. PayPal 's customer service has refused to reopen the case, hiding behind the automated " chargeback override '' system. PayPals refusal to honor its " XXXX XXXX '' guarantee when they are in possession of both my funds and clear proof of merchant fraud is a bad-faith execution of their user agreement. I have attached a comprehensive XXXX PDF ( Document of Evidence Chronologically.pdf ' ) proving the merchant 's fraud and the systemic loophole that PayPal used XXXX close my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Every month. No matter when I pay my bills, its not taken out til a week or more only after the funds are too low to cover. So ill be charged overdraft fees

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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Blocked account, frozen funds, no reason why, waiting for answers and resolution for 3 MONTHS already, account is still open but I can not use it. They are saying is in investigation. Investigation for WHAT!?!? I need my funds back right now!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: KS

Complaint narrative:
I had an unauthorized charges come out of my chime account in the amount of XXXX on XX/XX/XXXX from XXXX I called the phone number provided on the transaction which was XXXX and they said there was no trace of the transaction. I filled a dispute with Chime 2 times and they deny it saying there is no billing error. They will not help me with getting this money back in my account. I have a police report also and filed with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
I am filing this complaint against Robinhood for failure to conduct a good-faith investigation into unauthorized transactions under Regulation E ( 12 CFR 1005.11 ). On XX/XX/year>, two unauthorized XXXX transactions totaling {$440.00} ( {$260.00} and {$180.00} ) were charged to my account. Robinhood initially found my claim valid and issued a " Credit for Fraud '' ( see attached image XXXX ), but they have since rescinded these credits and denied my claim ( Case ID : XXXX ). Robinhood 's denial is based on factually incorrect conclusions : Spending Patterns : They claim these charges are " within spending patterns '' despite my historical spending average at XXXX being consistently between {$11.00} and {$54.00}. These charges represent a 1,000 % increase that the company is ignoring. Account Takeover : I have provided proof of a XXXX account security breach on XX/XX/XXXX ( unauthorized password resets ). This proves my digital account was hijacked and used via XXXX XXXX. Technical Error : Robinhood claims a " physical chip '' was used. I have retained the physical card at all times. XXXX XXXX utilizes a digital token that mimics a chip transaction at the register, which Robinhood is misidentifying as a physical card swipe. Robinhood is ignoring documented evidence of an account takeover and a massive spending outlier. I am requesting a permanent reversal of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Credence Resource Management I am Military Veteran submitting this complaint regarding deceptive promotional sales practices, unauthorized account additions, and an invalid collections item being reported on my credit file. XXXX The Broken Deletion Promise and Automated Error : In XX/XX/XXXX, I ported my wireless numbers from XXXX XXXX XXXX XXXX XXXX under a heavily advertised promotion offering an {$800.00} credit per line. At the time of sale, the representative explicitly omitted any disclosure regarding a minimum line-retention period. In XX/XX/XXXX, I received reward ( {$500.00}, {$500.00} and {$800.00} ). XXXX months later, I canceled an unnecessary line, and AT & T immediately hit my account with retaliatory {$500.00} chargeback penalty. When escalated to the XXXX XXXX XXXX XXXX Department, I was told a 1 year rule applied when escalated further to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the representative ( XXXX XXXX ) acknowledged the severe internal miscommunication and explicitly promised to completely delete this balance from my record, Instead of honoring this corporate agreement, an automated tracking glitch in XXXX XXXX XXXX 's system mistakenly pushed this dead, invalid balance out to a third-party collection agency, Credence Resource Management XXXX who has bizarrely offered deceptive {$.00} cent discount on the balance ). This reporting error is actively jeopardizing my background investigation for a career in federal law enforcement/ local law enforcement. I demand that AT & T immediately recall this debt and force Credence to delete this collection from all credit bureaus. XXXX Unauthorized Account XXXX : Furthermore, during a subsequent device upgrade at an XXXX XXXX XXXX XXXX store, the sales representative automatically added paid premium services to my wireless account without my consent or knowledge. While the XXXX XXXX XXXX XXXX Department verbally acknowledged this " cramming '' and promised to purge the charges, the unauthorized services remain on my active billing statements XXXX Trade-in Installment Miscalculations : Finally, I upgraded to a {$1300.00} device with a contracted {$1100.00} trade-in promotion credit for my old phone. My remaining principal owned was {$200.00}, explicitly calculated to be paid in $ 5 monthly installments. Instead, XXXX XXXX XXXX billed me the full {$44.00} uncredited retail installment for the first XXXX consecutive months, withholding {$130.00} over my principal rate ahead of time. When accounting for the 40 months total contract term, XXXX XXXX XXXX 's billing system is overcharging me far beyond the {$200.00} principal debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
Okay so my debt with ability recovery services LLC is supposed to update XXXX XXXX XXXX XXXX of the updated balance so I may continue my XXXX to graduate but they have failed to do so and I have already faxed them the evidence to every department I know too

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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My wife and I are business professionals here in XXXX TX. I own a minority owned business. We as XXXX Americans are a protected ethnic group in the U.S We bank at Chase NA for the past 13 years where we maintain Prestige Checking Accounts and a student account for our teenage son. The accounts never wire funds. Never receive Cash Deposits. We never make cash withdrawals really with debit cards, save for {$100.00} per week. This morning I received a phone call from Chase The contact a " XXXX XXXX XXXX stated that due to " suspicious '' activity after a review, Chase had decided to close " All '' our accounts including our Credit Cards. I thought honestly it was a joke or some sort of fishing scam. I hung up and went to the bank in person. The banker raised the same contact on the tel. I inquired if they could again identify to me the 'suspicious activity ' which they refused to disclose. While this JP Morgan Chase contact, for the " Executive Office '' was on the the phone ( as the call was on speaker ) I advised I was going to record the conversation. The Chase officer on the tel. firmly told me I could not record the conversation- to which I advised they record their calls all time. Their response to this was that " yes, that is for us ''. I asked the banker to go through the account and advise if there were any 'cash ' with drawls. The Chase banker was sheepish and afraid to answer my question, but he advised there were NO CASH WITHDRAWLS NOR CASH DEPOSITS. I then spoke at length with the branch manager who agreed to my view that were was nothing suspicious in the accounts to be closed. She advised she would be escalating this to a " Marketing Director '' in order to perform a " Second Review ''. What is crazy is that Chase is NOT Shutting down our business account. They are shutting down our 2 joint accounts, and our son 's Teenage Checking where he receives his direct deposit. This is insane. We feel firmly we are being ( 1 ) Harassed by Chase for no substantial reason that can justified ( Chase refuses to disclose any information ) ( 2 ) We feel we are being Discriminated due to our ethnic or country of origin - XXXX XXXX XXXX & XXXX XXXX XXXX are title holders to the accounts ( 3 ) We are being singled out by Chase as I have raised complaints to their OFFICE OF THE EXECUTIVE ( THE CALL CAME FROM THE OFFICE OF THE EXECUTIVE AT CHASE ). As there is no suspicious activity in the account, and Chase can not support any " Suspicious Activity '', we believe this is vindictive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I am being held responsible for a utility account that I never applied for. I have tried to dispute this account several times with the original account furnisher, as well as all 3 major reporting credit agencies to no avail. I have repeatedly asked all 3 credit bureaus that this account be investigated and to provide verification of debt. None of the credit agencies have provided me any verification of this collection account, yet they continue to update my repeated disputes to remove this account as verified. They are continuously verifying this debt without any verification behind it to support the verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: HEARTLAND PAYMENT SYSTEMS INC
State: MT

Complaint narrative:
Since I began repaying my XXXX loan through Michigan XXXX using Heartland ECSI over the last few years, on multiple occasions I have signed up for the reoccurring payment option and have submitted the bank account information ( that has been the same since approximately 2010 ). Rather than make the automatic withdrawals on a regular, agreed upon basis, I will have a withdrawal occur once and then payments are " reversed '' without any explanation. I also have not received notification that the automatic withdrawal did not occur as scheduled, ultimately placing my loan into or near delinquency. This has harmed my credit over the last at least XXXX years, and every time I have to make a XXXX time payment I am charged an additional fee because the automatic withdrawal ( which does not charge an additional processing fee ) withdrawal is not correctly processed on their end. This has most likely cost me upwards of $ XXXX {$200.00} in additional fees in the last few years, to include late fees which are imposed due to their negligence. I am aware that there was a class action lawsuit in XXXX that I was not notified of for similar behavior. I have contacted both Heartland ECSI and Michigan XXXX University, but have been all around unsuccessful in resolving this issue because I can not withhold payment as a form of leverage in order for this issue to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had multiple NSF fees with Wells Fargo over about a 10 year period.

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint regarding Chase Banks sudden reduction of the credit limit on my XXXX XXXX credit card account ending in XXXX. I have maintained a strong payment history on this account, consistently making payments on time and routinely paying above the minimum payment due. I opened this account specifically to separate personal expenses from business expenses and have used the account responsibly within the credit structure originally extended by Chase. Despite my positive payment history and multiple active scheduled payments already pending on the account, Chase abruptly reduced my credit limit to an amount below my existing balance. This action immediately created an artificial over-limit utilization situation that may negatively impact my credit profile and score despite no delinquency or irresponsible behavior on my part. I have worked in the mortgage and lending industry for approximately 25 years and fully understand how credit utilization impacts consumer creditworthiness. While I understand banks may adjust credit exposure, reducing a customers limit below their active balance while they are making timely payments creates unnecessary and immediate harm to that customers credit standing. I contacted Chase customer service and escalated the matter to a supervisor, but I was simply told this was a bank decision and directed back to the letter without meaningful explanation, review, or willingness to discuss reconsideration. I am requesting : - Executive review of this account - Reconsideration of the credit limit reduction - A detailed explanation of the decision - Clarification regarding how Chase intends to address the negative credit impact caused by this action Attached are supporting screenshots showing my account status, scheduled payments, and payment history.

Company response to consumer: Closed with explanation