vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 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: PA

Complaint narrative:
Chime bank, I was told if I referred people I would receive {$200.00} as a referral bonus for each person I referred and the referee would receive {$100.00}. I have done all the requirements told to do which includes receive a direct deposit of {$200.00} or more within 45 days of using the referees link, and activate the physical chime card. Its now been 35 days since everything was completed and Ive been on the phone with their customer service 4 times now for over 25 minutes each time and have gotten nowhere. There is always a new excuse like, they have to call separate, it hasnt been 14 days, and they can verify on the phone but still need to call. Its been a waste of not only my time but my referee as well. They owe me {$200.00} and my referee {$100.00}. Its ridiculous I have to go through this with them when ive been banking with them for a while now. I just dont understand. They owe me money and are keeping it from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I am filing a complaint about PayPals handling of a dispute involving a damaged large appliance that requires merchant pickup. On XX/XX/XXXX I purchased a refrigerator from XXXX for {$660.00} using PayPal. The refrigerator arrived damaged and unstable. Because this is a large appliance, XXXX XXXX scheduled a truck pickup for the return on XX/XX/XXXX. The pickup did not occur because the merchant failed to arrive on the scheduled date. After the missed pickup, I contacted XXXX XXXX customer service multiple times but the return was never completed and no refund was issued. Because the merchant failed to retrieve the damaged appliance, I opened a dispute with PayPal on XX/XX/XXXX. PayPal denied my dispute because I did not provide a return shipping tracking number showing the item was returned to the merchant. However, a tracking number does not exist in this situation because the refrigerator is a large appliance that requires merchant-arranged pickup rather than consumer shipping. I appealed the decision and explained that XXXX XXXX had scheduled a pickup but failed to arrive, and that the refrigerator remains unused in my home and available for pickup. I also provided documentation including photos of the damage, records of the scheduled pickup date, and call logs showing my attempts to resolve the issue with the merchant. On XX/XX/XXXX XXXX denied the appeal again for the same reason, stating that I did not return the merchandise to the merchant. PayPal continues to require a shipping tracking number that can not exist for a merchant pickup return of a large appliance. As a result, I have been left with a damaged refrigerator and no refund even though the merchant failed to complete the scheduled pickup and the item remains available for return.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

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 ) 1006.34, 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 next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am disputing {$1500.00} in fraudulent charges ( {$750.00} on XX/XX/XXXX and {$750.00} on XX/XX/XXXX ) from XXXX XXXX XXXX. The merchant violated the Credit Repair Organizations Act ( 15 U.S.C. 1679b ) by charging illegal upfront fees for services never rendered. I provided Navy Federal Credit Union with a complete evidence packet of this fraud on XX/XX/XXXX. Since that date, the bank has engaged in an administrative delay for over 70 days. Because of this negligence, my XXXX XXXX recovery window for the first {$750.00} expired on XX/XX/XXXX. My window for the second {$750.00} expires in 4 days on XX/XX/XXXX. I am holding Navy Federal liable for the full {$1500.00}. Their bad-faith investigation and failure to act on documented federal law violations has caused me to lose my consumer protections. I demand immediate provisional credit for the full amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding Coinbase restricting access to my funds. After contacting Coinbase customer support multiple times ( over XXXX attempts ), I received a message stating that I am no longer eligible to buy cryptocurrency on Coinbase. The message also clearly states that I should still be able to sell, transfer, or withdraw my cryptocurrency. However, despite this statement, both the Send Crypto function and the ability to withdraw funds to my bank account are currently disabled on my account. I was able to sell my cryptocurrency, so the balance is now held in USD on Coinbase, but I can not withdraw the money to my bank account or transfer it elsewhere. This situation effectively prevents me from accessing my own funds. I have attempted to resolve this issue directly with Coinbase support many times but have not received a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: MT

Complaint narrative:
I communicated with Newrez on XXXX requesting a W-9 form for assistance through XXXX XXXX XXXX XXXX me with the payment on my mortgage. The request was sent via email. I sent the form to XXXX XXXX, who then sent out a partial payment via check on XX/XX/XXXX. I check several times to see if they had received it before I was penalized for a late fee. The address on their W-9 doxument is not the payment address. Also the system does not allow you to make a partial payment. I spoke with another representative of New Rez on XX/XX/XXXX. She stated to mail it off to the correct address and that there would be a late fee. It would take up to 30 days to confirm if they received a check and the process they took with the check. This is not the first time I have had this issue. The Representative stated we could go on the help line through my Newrez account and email the form to dispute the late fee and to get a direct deposit form filled out before XXXX AM, XXXX. We called them at XXXX AM, XXXX. The Representative also told us that the business in New York does not have a phone number to get details if they received the check, sent it to their payment center, or sent it back to the sender. XXXX XXXX and I went on my account to do what was suggested to us. There was no help just statements to mail the check to their payment center and that the New York office was not the payment center. We stated to them that I should not be subject to late fees due to their mistake on their W-9 form.

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 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: VA

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 ) 1006.34, 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 next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC
State: GA

Complaint narrative:
I am writing to formally dispute an account appearing on my credit report that I believe was reported and shared without my consent, in violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The account in question is : Creditor Name : Credit Control LLC Account Number : XXXX I have never provided written consent to Credit Control LLC to obtain, use, or report my personal information to any credit reporting agency or third party. Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report when a specific permissible purpose exists such as with the written authorization of the consumer. No such authorization was ever granted in this case. Because there is no verified written consent or contractual agreement permitting Credit Control LLC to report or share my personal data, I am requesting that this account be immediately investigated, verified, and deleted from my credit file under 15 U.S.C. 1681i ( Reinvestigation of disputed information ). If Credit Control LLC can not produce documentation proving my consent or a valid contractual relationship, this account must be removed from my credit report as required by federal law. Please provide written confirmation of your investigation results, any documentation received, and your final determination within 30 days, as mandated by the FCRA. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
I am filing a complaint regarding restricted access to funds in my account with Current. On XX/XX/26, a payroll direct deposit of approximately {$10000.00} from my employer through XXXX was deposited into my account. Shortly after the deposit, my account was placed under review for suspected fraud, and {$5000.00} of my funds have been withheld. These funds are legitimate earned wages, and I have not been provided with a clear explanation for the restriction, a timeline for resolution, or the ability to speak with a representative who can address the issue. As a result, I am currently being denied access to a significant portion of my income. I have contacted Current support multiple times requesting clarification and the release of my funds, but the matter remains unresolved. I am requesting that Current promptly review my account, provide a written explanation for the restriction, and release my remaining funds if no fraud is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have been a loyal Chase customer for over 7 years, holding both the XXXX XXXX and XXXX cards. I have a 100 % on-time payment history and have never carried a balance. In XX/XX/XXXX, due to a calendar misunderstanding, a balance transfer promo expired, resulting in {$180.00} in interest. I paid the balance in full within 14 days, but was hit with an additional {$52.00} in residual interest. Despite my XXXX perfect record and high engagement ( having spent over XXXX points in XXXX and currently holding over XXXX points ), Chase supervisors refuse a one-time goodwill adjustment of {$240.00}, citing " system limitations. '' I find this rigid stance towards a long-tenured, high-value client to be an unfair business practice, especially given the high annual fees I pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
This company charges an exorbitant customary which is hidden from the consumer. A predatory lending practice .Example {$260.00} XXXX only XXXX applied to principal XXXX interest XXXX customary fee.Ihave been making payments for a year and have paid XXXX and I'm nowhere near paying the loan off This is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting a complaint regarding the sudden closure of my accounts with HSBC Bank USA and the immediate forfeiture of my credit card reward points without prior notice. On XX/XX/year>, I suddenly lost access to my HSBC US online banking and mobile app. I did not receive any prior notice or warning indicating that my accounts were under review or at risk of closure. On XX/XX/year>, I was able to reach HSBC through an online chat session. During that conversation, the representative informed me that a final decision had already been made to close my accounts. No explanation was provided. The representative also confirmed that my credit card rewards balance of XXXX points had been immediately forfeited due to the account closure, and that there was no option available to reinstate or redeem the points. These reward points were accumulated through normal credit card spending over time. At no point did HSBC notify me that my rewards might be forfeited or provide any opportunity to redeem them before closing the account. While I understand that banks may choose to close accounts at their discretion, losing earned rewards without any prior notice or a reasonable opportunity to redeem them is extremely frustrating. Had I received even a short notice period, I would have redeemed or transferred the points immediately. My original intention in earning these points was to transfer them to XXXX of HSBCs travel partners, which generally provides better value than cash redemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
seen on credit report a trueaccord account that isnt mine that just opened recently

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 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I had a set back during covid when I lost my job. Soon after I was a few months behind and they started to foreclose ( XXXX XXXX XXXX ) I then paid everything up payments late fees and all of the foreclosure fees etc. I then applied XXXX to my principal. I returned to making my payments for XXXX then XXXX and I thought while I'm at the office I might as well pay for XXXX I had the money order with me and the girl said she couldn't except the payment I asked why she didn't know so she called someone else and said nobody knows that I would have to call myself. I find out that the new lender as I was told was to take over in XXXX and I was to make all payments to XXXX until XX/XX/XXXX but they had already denied the payment. So when the new " LENDER '' took over they said I was in default but due to the fact of my ex husband filling bankruptcy and including my house that he quit claimed to me 20 years earlier they had his phone number and were contacting him instead of the legal owner ( XXXX ) I finally called shellpoint myself and they had no clue who I was and wouldn't tell me anything. I had to give them my phone number. They didn't apply unapplied funds or calculate the correct amount of the loan they were saying that I didn't pay. I'm now trying to get my house back. Why in the world would I pay for 25 years put an extra XXXX on it and then let it go??? I made a payment last XXXX and have a confirmation number but they said they didn't get it. So at that point I was very scared to send anything else they then were supposed to send me papers XXXX and I just received them on XX/XX/year>. I have screenshots of the mail on my ring cam and I have included the picture of the time date stamps on the envelope.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
On XX/XX/XXXX. The Bank of America sent me a cashier 's check for {$7900.00}, at the time of the check being delivered, I was currently incarcerated. I wasn't able to get the check til XX/XX/XXXX. By that time the check was voided after 180 days. I tried to reach out to Bank of America to resolve this issue. They said that they can only honor up to {$3000.00}. The check has been kept safe since the time I received the check. I have a letter too addressing that : we considered this matter closed.

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 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
In XXXX of XXXX my mortgage servicing was transferred to Amerihome Mortgage. I also was approved for my tax homestead exemption from XXXX XXXX. This information was sent over to Amerihome and I confirmed with them that the tax exemption was received. I spoke to a supervisor named XXXX on XX/XX/XXXX in the XXXX office and she assured me that the escrow analysis would be done ( she verified that the homestead exemption was on the file as well ), and I could expect a phone call to advise me on the progress within XXXX to XXXX hours. That never happened. I did not receive any phone call, nor any voicemail was left for me by a representative. I called today ( XX/XX/XXXX ) and was told by another supervisor named XXXX that the escrow analysis was not done because that did not get my permission previously, which is not true. Now I am being told that I will have to wait another XXXX business days for the escrow analysis to be done and another month and billing cycle has passed.

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 2026-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
The company is charging excessively high interest, and despite the vehicle being fully paid off, they sent documentation for a completely different vehicle that has nothing to do with this financing. It has been extremely difficult to deal with their customer service center. The situation has become very frustrating. The vehicle has already been paid in full, yet they are refusing to send the official payoff confirmation needed so that I can remove the plates and cancel the insurance. I am requesting immediate assistance and a formal explanation regarding this matter.

Company response to consumer: Closed with explanation