vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Property Receivables, Corp
State: NJ

Complaint narrative:
I vacated my apartment at XXXX XXXX at the XXXX on XX/XX/XXXX and returned all keys. I gave proper written notice on XX/XX/XXXX and acknowledged the early termination fee in writing at that time. XXXX never sent me a final accounting statement or security deposit disposition. Under Colorado law XXXX. XXXX they were required to do so within XXXX days of my move out by XX/XX/XXXX. That deadline was missed entirely. I only received a ledger on XX/XX/XXXX after demanding it myself, nearly XXXX months late. Under the same law, XXXXXXXX XXXX failure to provide a written statement within the required time works a forfeiture of all rights to withhold any portion of my {$300.00} security deposit. That deposit has never been returned to me. XXXX XXXX resident ledger dated XX/XX/XXXX shows a XXXX dollar balance as of XX/XX/XXXX after all charges and write offs were applied. Despite this, Property Receivables Corp is claiming a balance of {$1900.00} which can not be reconciled with the original creditor 's own records. Property Receivables Corp never sent me a written validation notice within 5 days of their first contact as required under FDCPA XXXX XXXX. Instead they reported this debt directly to the credit bureaus. I only became aware of this collection when it appeared on my credit report. I filed disputes with both XXXX XXXX XXXX. XXXX concluded their investigation on XX/XX/XXXX and sided with Property Receivables despite being provided the XXXX ledger showing a XXXX dollar balance. The investigation appears to have been superficial as it did not account for the original creditor 's own records contradicting the claimed balance. I have sent multiple emails to Property Receivables citing these violations and requesting full accounting and removal from collections and credit reporting. They have not adequately responded to my concerns and have only attempted to contact me by phone despite my written request for email only communication. I am requesting full removal of this account from collections and from XXXX credit bureau reporting and return of my {$300.00} security deposit based on the statutory violations outlined above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I called XXXX customer service. Called to get help with my past due account. Representatives were not interested at all in what I was going to say. I have been unemployed since XX/XX/year>. Rep declined to transfer me to their XXXX XXXX department, also declined to transfer me to supervisor. Kept me in a silent hold with no response. Agent was XXXX willing to assist at all. Very condescending and robotic. No customer service skills and no empathy.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP
State: CT

Complaint narrative:
I am retired military currently XXXX in XXXX. Fidelity informed me my Fidelity XXXX card would also work as a credit card. It does not. And now me, my XXXX, XXXX, and XXXX yr old are stranded. We are without transportation and even forced to endure 21 hours without food or water due to not having a working card as they blocked it during my flight over and every vendor only took card. Now I have no working visa card. I need a credit card to pay for the deposit for a rental car so I can get food, water, and seek medical attention as I was XXXX by a XXXX yesterday. I have been told I must send verification of address via mail or fax for the credit card. I asked if I could send it via online as I am clearly not able to mail or fax anything. I am looking for alternative ways to fax online, but when I asked to speak with a supervisor. Every time, they hang up on me. It costs me {$35.00} USD per 10 minutes. I have been placed on holds and in queues for over hours for the last 2 days now. The representatives refuse to offer any alternative verification method for a customer they stranded via misinformation given by XXXX different supervisors prior to leaving the country. They policy discriminates Americans traveling abroad. During the last call lasting over 2 hours I specifically requested the representative remain on the line until I was connected to a supervisor. I am adding this to my complaint in real time. This is not one bad call, this is a systematic failure to escalate. The only person willing to give me an agent ID was agent # XXXX. She informed me when i asked for a reference number for my call that nothing like that exist and instead gave me her agent ID. And then hung up on 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 2026-05-26 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
So a bunch of my claims on wells fargo are being denied cause the fast food stores got my orders wrong and is refusing to refund me my money and the bank refusing to refund me as due to some fast food rights and I did not authorize messed up orders and I want my bank wells fargo to give me back my money

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 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Albert Corporation
State: NM

Complaint narrative:
On XX/XX/XXXX of XXXX, I revoked ACH authorization and any debit card transactions from my bank account for XXXX, tech finance company.They informed they could not close the subcription despite me revoking. I was going through bank statements and noticed they have continued to take out the subscription since then. I reached out and informed and asked to be refunded the money from since being provided written and confirmed revocation. They confirmed and tried to give me three month refund but I would like to be made whole. The total amount of the subscriptions that has been taken out since XX/XX/XXXX has totaled XXXX. I have reached out to the company and they refuse to do so despite acknowledging my revocation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America said they couldnt recover the money from the scammer that scammed me. So they took it from me because when the scammer originally took a small amount that I didnt notice I didnt have urgency to report it. But I never noticed it because it was XXXX XXXX When they started taking more up to XXXX $ obviously I noticed. And while they assured me itd get solved they ended up realizing they are out of their league and couldnt recover the money so they penalized me. Now theyve taken XXXX from my sisters account. ( Her livelihood ) all because we are tied to the same parent account. I already moved all my money from Bank of America because they are greedy and unethical. And now theyre trying to punish the people I was tied to which is my mom and sister. Bank of America doesnt value customers they only see dollar signs. And weve been banking with them for years and have never tried to get over on them. But here they are treating us like we are nothing just to recover not even a XXXX of their worth. For something they shouldve been able to protect me from in the first place. I need help and guidance so I can fight them in court because this has gone too far now.

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 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
We had a customer pay us {$6500.00} directly through our Chase banking account through a payment link that was sent directly from our business banking account. That payment went through funds were deducted from my customers account the bank has still not released the funds. They asked us to send over proof of an invoice and correspondence text messages or something like that with the customer we sent all that in, and they are still not wanting to release the funds. they even tried to come back and say the invoice amount did not match the payment total we then further explained that the payment is a partial payment to buy materials for the job and the remaining balance will be paid. Once work is completed, but we can not even get the work started due to the fact that the bank has not released our money now were getting sued by our XXXX and their check cashing company due to the checks bouncing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: GA

Complaint narrative:
On XX/XX/year>, I received a fraudulent telephone call that resulted in unauthorized access to my XXXX email account. Using that access, the individual gained entry into my XXXX XXXX account. XXXX allowed my phone number to be transferred to another device without my authorization. Once my phone number was taken over, the individual accessed my Chime Bank account. XXXX unauthorized Cash App transfers totaling {$1000.00} were made to a person unknown to me. I did not authorize these transfers. I did not know the recipient. I did not give anyone permission to access my accounts. I reported the incident to Chime and provided documentation, including this police report. My claim was denied despite clear evidence of identity theft and unauthorized transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
Issue Description : I am writing to request urgent assistance regarding a critical processing error made by my mortgage lender during an active loan modification/refinancing process. I am currently on a fixed disability income. Due to a system glitch or administrative error on the lender 's part regarding my modification terms, my account has been penalized, and I am being forced into an unfair repayment structure. The lender is now demanding an immediate payment of {$1400.00} within a 5-day window to keep my mortgage current. This impossible deadline is a direct result of their processing mistake, not my inability or unwillingness to pay my agreed-upon modification terms. This sudden demand deeply threatens my housing stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I sent {$800.00} using XXXX from my Bank of America account to an individual who confirmed they would provide me the amount in cash after receiving the transfer. After receiving the money, the person failed to provide the cash as promised. For the past XX/XX/XXXXdays, I have continuously followed up through calls, chat messages, and email. The individual repeatedly gives excuses and promises different dates to return the money, but does not follow through. Sometimes they stop responding entirely and later return with another excuse. I also offered multiple options for repayment, including returning the money electronically instead of cash, but the person has still not returned the funds. I am requesting assistance from the bank regarding this transaction and whether any investigation, dispute review, or recovery process can be initiated. I can provide transaction details, screenshots of chats, emails, and other supporting evidence if needed.

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 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: OK

Complaint narrative:
On XX/XX/year>, I formally challenged the vehicle purchase contract due to severe financial manipulation, title stalling, and material asset misrepresentation. First, the lender and dealer explicitly structured and processed this transaction as a new vehicle loan. However, the official closing paperwork contains an Odometer Disclosure Statement from a prior owner, meaning the asset itself is legally a used vehicle. Because they processed a used asset under a new vehicle framework, the vehicle 's warranty parameters do not match the standard manufacturer 's new vehicle protections guaranteed to a XXXX-time original buyer, severely diminishing its value. Second, the base vehicle price was arbitrarily altered and inflated by {$1000.00} above the legally agreed-upon price on the Buyer 's Sheet. Furthermore, a total down payment asset of {$6100.00} ( {$5100.00} cash and a {$1000.00} military rebate ) was completely misappropriated and never applied to reduce my net cost, leaving me with a falsely inflated principal balance. Third, the lender is actively obstructing title transparency. While my local tag office successfully issued my physical license plate tags, the lender is withholding the title under the deceptive claim that it was " returned to sender. '' This stalling tactic directly prevents me from auditing the vehicle 's true legal registration status and chain of ownership, weaponizing administrative delays to cover up the fact that a used asset was processed as a new vehicle. The lender has failed to audit this fraudulent retail installment contract, release or account for the missing title paperwork, or correct the inflated principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: UT

Complaint narrative:
I have XXXX loans that were transferred to Fay Servicing on XX/XX/scrub> 2026. I had automatic payments set up with the previous servicer. I sold my personal property and relocated to another property in at the end of XX/XX/year>2026, so I did not receive the forwarded mail from Fay Servicing until after the first payment was due at my new address. By the time, the letters were received the payments were XX/XX/XXXXdays past due. I immediately called Fay Servicing explaining the situation and they refuse to refund the almost {$600.00} of late fees! In addition, they are not following the statute when charging late fees. Here 's what I wrote to them : I am writing in regard to the 10 % late fee that was assessed to my account. In Florida, lenders are not allowed to charge more than a 5 % late fee according to Florida XXXX XXXX. Section XXXX specifically states that 5 % is the maximum amount that can be charged in Florida. In addition, section XXXX states that the late fee can not be charged until the XXXX day the payment is late. Fay servicing posted the late charge on day XXXX. Fay Servicing is not following Florida law while servicing its loans. I would like to request the late fee be immediately removed from my account or I will officially file a complaint with the XX/XX/XXXX ( Florida XXXX of XXXX XXXX ) regarding the predatory lending violations outlined previously. I have attached the statements showing the late fees charged and all communication with Fay Servicing. Them are using predatory lending practices through the excessive fees charged and lack of proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
On XX/XX/year> I made a purchase for XXXX excursions on a resort totaling {$930.00}. Due to bad weather XXXX of the excursions were cancelled. The resort said it would refund me for the XXXX excursion for {$280.00} and the XXXX excursion for {$340.00}. I was only refunded for the XXXX XXXX for {$280.00}. After XXXX business days I contacted Penfed to dispute for the {$340.00} refund I was not credited back by the resort. I provided Penfed both refund documents signed by the resort excursion manager. I then received a letter from Penfed stating the amount of {$340.00} will be credited back to me, but to this date it still has not. I tried calling several more times to be met with non-stop transfers and no answer to when I'm getting my {$340.00} refund on my credit card and it's well pass the XXXX business days I was advised.

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 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Veros Credit, LLC
State: CA

Complaint narrative:
Veros credit purchased my loan from XXXX XXXX- they did not send me a notification that they purchased my loan. From then, I received a threatening call from someone named XXXX. He threatened me in the presence of other people in XX/XX/year>. I was told XXXX XXXX cash to them XXXX hours away to make a payment. They began calling my boss, cousin, sister, and threatening specifically my cousin. This was unusual. My car was repossessed without notice directly to me. They had called my cousin just before they repossessed the vehicle in question but she did not notify me as they had been calling and making threats in the past and she thought it was XXXX of their " routine threats ''. They kept saying " bad things are going to happen to her ''. This experience was entirely traumatizing and illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
On XX/XX/XXXX, I initiated a transfer of {$15000.00} ( XXXX ), and as of today, these funds have not been deposited into my account. I have not received any communication from TD Bank explaining the delay, nor have I been asked to provide any documentation or proof of funds. I have been a TD Bank customer for over XXXX years and have lived and worked in XXXX for the past XXXX years. During that time, much of my income has been earned in the XXXX, and I have regularly transferred funds from GBP to USD to meet various financial obligations in the United States, including my childrens education, mortgage payments, and family expenses. Historically, these transactions have been processed and credited to my TD account without issue. Despite numerous phone calls to TD Bank and their promises to get back I have heard nothing at all from any of their representatives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
Yes on XX/XX/XXXX I went to bank to use atm both times I tried to take money off i got a error code nothing came out atm machine but when I checked balance it was taken out both times I contacted the atm people they said it would be 2 days before the return nothing happened so I contacted chime i told them info they did nothing about it never even got back with me the amounts are XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 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: MO

Complaint narrative:
On XX/XX/XXXX I received a text message from chime Bank asking if I had made a transaction from XXXX for {$54.00} I responded no then I received a message that said chime Bank would call me shortly, shortly thereafter I received a call from time The person that called made me verify my account and proceeded to go over some information and told me that we will be setting me up a brand new account so that I wouldn't have any more issues with unauthorized attempts or transactions on my account since I had a few earlier in the month so they proceeded to tell me that we would have to move everything over to a new account and we would start by moving the XXXX XXXX funds which XXXX XXXX is and advanced pay feature to my checking account then we will move the checking account information to another account and then it will credit everything and I would have a new account once we moved the XXXX XXXX finances they hung up I called the bank the bank said that they never contacted me and that I had been scammed I have filled out a dispute the initial dispute was denied I filled out another dispute it was approved and they put the {$500.00} back into the XXXX but they will not resolve the - {$500.00} that they put into my checking account and I don't know how to fix it I've done three to four different disputes all but the one to put the money back into the XXXX XXXX advance was resolved and I simply just want them to remove the negative balance that was incurred from the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: MO

Complaint narrative:
Ok on XXXX XXXX I called Chime, told them that XXXX was trying to take out XXXX, I told them to stop letting XXXX into my account. They never stopped XXXX, they have been letting XXXX from XXXX through now! I called they denied my dispute, and they are holding my Social Security and my XXXX checks as well. We are supposed to get our checks paid earlier,

Company response to consumer: Closed with explanation