vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-11 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: IL

Complaint narrative:
XX/XX/year> chime alert me at XXXX someone was trying to make a transaction on my account at a XXXX ATM in XXXX. I had just clocked out at my work at XXXX : XXXX in XXXX XXXX XXXXXXXX and on my way to XXXX il when I received the text from chime of a fraudulent transaction which they released the {$40.00} to the individual anyway! I repeatedly said this wasn't me. I've never used an atm at XXXX in XXXX ever . Chime claimed they were investigating and denied my refund of the {$40.00}. I have been calling chime customer service to get how they can just let this merchant compromise a person account and take money and get away with it saying it was me. I need to know we're there cameras at that location to show who this person is! I have spoken to 5 different chime individual and the last 2 were very rude and disrespectful to me one male hung up on me I called right back and the last male talked to me like trash I ended up hanging up on him. I can not be in 2 places at 1 time. I did not make this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: GA

Complaint narrative:
I sent a payment on XX/XX/XXXX for my XXXX mortgage. The only balance that was due. I paid the full amount that the representative told me was due however, they are saying that I did not pay and as a result, they are charging me default interest, and they are not allowing me to make all my payment saying Im 46 days delinquent which I am not 46 days delinquent. I am all caught up on my mortgage and have made all the payments however they are saying that I did not pay in XXXX as a result my payment in XXXX was not applied to XXXX and theyre saying Im delinquent which I was not so I need some help. I also have spoke to someone named XXXX. XXXX was very rude to me. He had a nonworking phone. I asked him several times to transfer me this happened today around XXXX XXXX on XX/XX/XXXX. I explained to him the sense of urgency of the matter and that I am on a quick lunch break and I needed to handle this while I had a quick opportunity during business hours, and he refused to transfer me. He hung up on me and the two representatives before him are well aware of the payment made via wire on XX/XX/year> that was not applied properly. They said they would follow up with me once I emailed them proof which I have delivered emails to both of them and nobody has followed up yet they are still accruing interest, which is Not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Loan South Finance & Tax Service of Troy, LLC
State: GA

Complaint narrative:
I have asked for XXXX XXXX to stop contacting my employer. They have called my job multiple times. I have also informed them that I have a debt consolidation and was informed to not pay on this anymore and to tell them to call my debt consolidation company, which I have. They were extremely rude and said they do not deal with those kinds of people. I am extremely upset, mostly about them contacting my boss several times. This is harassment. Their number is XXXX. XXXX XXXX and XXXX are the ones that have been calling and XXXX is the one Ive told not to call my job again to to call XXXX XXXX XXXX for the debt consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am respectfully requesting your assistance again regarding my issue with Capital One, related to my previous CFPB case ( Case Number : XXXX ). 

In their prior response, Capital One stated that my {$300.00} security deposit refund was processed on XX/XX/year>, and mailed. However, I have not received the check. 

I have contacted Capital One multiple times by phone to resolve this issue. Each time, I am transferred between representatives without receiving a clear explanation or resolution. The refund remains undelivered. 

I am requesting that Capital One immediately reissue the refund and confirm the mailing date and address. Additionally, I ask that Capital One provide a new claim or reference number for the reissued refund, so that if necessary, we may contact them directly and reference that number. However, we sincerely hope this will not be necessary and that the matter will be handled properly this time. 

Thank you for your assistance in ensuring this issue is resolved promptly and in good faith. 

I have a new address that I want the check to be mailed XXXX XXXX XXXX, XXXX, MA, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-11 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: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
Recently, Concora Credit XXXX XXXX XXXX resolved a fraud investigation in my favor on my account Case Number : XXXX Account Ending : XXXX. During the process, they charged me a balance of {$2300.00}, which is clearly an error since my credit limit is only {$1000.00}. After the investigation, it was confirmed that my actual debt is {$1000.00}. 

However, the company is now demanding a minimum payment of {$220.00}, which includes accumulated minimum payments and possibly late fees incurred during the investigation. I have contacted them to request that they restore my normal payments ( approximately {$61.00} ) and waive the late fees, but they have flatly refused, claiming that the system doesn't work that way. 

Under the Fair Credit Billing Act ( FCBA ), I have the legal right to withhold payment of disputed amounts and associated charges while the investigation is open. It is not my fault that the fraud process took time, and it is not acceptable for me to be penalized with accumulated fees based on a fraudulent balance that exceeded my credit limit. 

I request the following : That my minimum payment be restored to the normal amount based solely on my legitimate balance of {$1000.00}. 

That all late fees and accrued interest on the fraudulent portion be eliminated. 

That you ensure there are no negative reports on my credit history for not paying the inflated fees during the investigation. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 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: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I am filing a formal dispute regarding a 90 % credit limit reduction on my American Express account ( from $ XXXX {$1600.00} ). This action was taken based on factually incorrect justifications provided by American Express, which constitutes a violation of Regulation B ( Equal Credit Opportunity Act ) requiring 'specific and accurate ' reasons for adverse action. 
1. Factually Incorrect Credit Availability Claim : American Express agents repeatedly claimed my credit report was 'frozen ' or 'inaccessible. ' This is false. My XXXX  file is open and I have a verified XXXX XXXX  score. One agent even confirmed during a phone call that he could see my score, yet the bank continues to use the 'freeze ' excuse to justify the limit cut. 
2. Mathematically Incorrect Payment Claim : I was told my payments were 'too small ' relative to my balance. This is false. I recently made a {$450.00} payment which was my previous statement balance and paid in full less any new charges 3. Lack of Risk : I maintain over {$130000.00} in total credit with other major institutions who have no issues accessing my XXXX score. I have attempted to resolve this through four separate phone calls and an email to the Office of the Chairman, but I have been stonewalled. 
I am requesting an immediate manual reinstatement of my original {$17000.00} limit. The bank 's reliance on automated system errors to penalize a high-score, low-balance customer is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
I have attempted to refinance a loan with SoFi. They asked for documents that prove my income. I sent them my VA letter which states how much I get a month from the VA. I have sent them a check stub. I work for the state of Alabama and explained to them that I am paid twice a month. They keep telling me that they need additional information. Im trying to get them to explain to me why the information I have provided was not good enough. They tell me they dont know. And the people that do know will not contact me. They also stated that from my documents that somehow I make {$26000.00} a year, but I dont understand where that math is coming from. And apparently neither do they.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
Credit Corp Solutions has called my work office number ( THAT I DID NOT PROVIDE TO THEM ) multiple times asking to speak about debt. I have told them multiple times to stop and its considered harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2026-02-11 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: DISCOVER BANK
State: OH

Complaint narrative:
Issue : Credit Card Billing Dispute Services Not Rendered / Improper Denial I am filing this complaint regarding Discover Cards handling of a billing dispute involving a {$5400.00} charge. 

On or about XX/XX/XXXX, I used my Discover credit card to purchase an advertising and customer acquisition package from XXXX XXXX XXXX ( also known as XXXX XXXX ). The merchant represented that this package would generate over XXXX customers and approximately {$6700.00} per month in income. 

After payment was made, the merchant failed to deliver the promised services. As of XX/XX/XXXX, I have received XXXX customers and XXXX sales. No meaningful advertising services or customer acquisition services were delivered as represented at the time of purchase. 

On or about XX/XX/XXXX, I filed a billing dispute with Discover on the basis that services were not rendered as promised. On or about XX/XX/XXXX, Discover closed the dispute and denied my claim, stating that the merchant maintains a no refund policy. 

My dispute is not based on dissatisfaction with business performance. It is based on complete non-delivery of contracted services. A merchants no-refund policy should not override a billing dispute where services were never provided. 

Discover did not provide sufficient explanation as to how it determined that services were delivered. The denial appears to rely solely on the merchants refund policy rather than an evaluation of whether the services were actually rendered. 

I am requesting that Discover : Reopen and properly investigate this billing dispute Review evidence of non-delivery of services Provide a statement explaining how its investigation determined that services were rendered Issue a credit for the {$5400.00} charge I am prepared to provide documentation including proof of payment, copies of the merchants representations, and documentation showing that no services were delivered.

Thank you for your review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am filing this complaint against Bank of America regarding improper debit card transactions that were never resolved. 

In XX/XX/year>, I made legitimate purchases with a merchant using my Bank of America debit card. These transactions were authorized and settled normally and appeared on my bank statement at the time. 

However, on XX/XX/year>, my checking account was suddenly debited ten additional transactions totaling {$1900.00} from the same merchant, even though I did not authorize any new purchases. 

These charges appeared months after the original transactions had already settled. 

This caused my account to go into overdraft and I was pressured to repay the funds. 

I contacted Bank of America multiple times in 2023 and attempted to dispute the transactions. Instead of receiving help, I was repeatedly transferred between departments and no proper investigation was conducted. I eventually gave up after being treated unfairly and being told I was responsible for the charges. 

These transactions appear to be duplicate processing or improper re-presentment of previously settled transactions, which should never have been posted as new charges. 

I am requesting that Bank of America conduct a proper investigation and correct this error. 



What I want the company to do I am requesting that Bank of America : 1. Reverse the {$1900.00} in duplicate debit charges 2. Refund any overdraft or related fees caused by these transactions 3. Provide a written explanation of how settled XX/XX/year> transactions were reprocessed in XX/XX/year> XXXX. Correct my account history and close this matter properly I attempted to resolve this directly with the bank but was not provided a fair investigation or resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX I check my XXXX XXXX account for my pay check it said it deposited but my account was still negative and over drafted for 2 days. And chase decided to withdraw money from my checking account for a mortgage I am in the process of trying to get mortgage assistance. Lo and behold I explained entire situation in XXXX when I started mortgage assistance. I told them I am getting divorced and by law I am not allowed in my home BUT I have to uphold all of the bills. So I have an apartment for myself and my kids and their mom live in the home. So on my income its extremely difficult and I have been told by multiple sources to apply for forbearance so I did. Chase told me on the phone during first consultation for forbearance that there should be no reason I cant get forbearance and I can re apply every couple months to get through the divorce. They told me Ill have a decision on XX/XX/XXXX then on XX/XX/XXXX they bumped that decision date until XX/XX/XXXX. So last Friday I called and asked why this money came out of my account and apparently even though my autopsy was off someone on their end had it on and never turned it off for whatever reason. I called asked for it to be refunded as my account was immediately negative and I needed to pay the utilities for my kids and their moms home. Havent seen any money yet they said 3-business days and now the utilities have been off for 2 days breaking the divorce law and risking jail time in my kids mom prosecutes me. And then Chase goes on to tell me I cant get assistance because I dont live in the house which is a completely different story then what I was told by them on the phone when I started to apply. So now my home that I have XXXX in equity in is at high risk of foreclosure risking losing the entire amount of equity which would ruin my life even more going forward. The withdrawal seemed extremely intentional as it was withdrawn on a day when they know I was getting paid. It seems very very unprofessional and abusive to try and strong arm someone into losing that much money. But they gave me no solution and the insisted on telling me thanks for being the best part of Chase un no I am not happy and definitely feel like Chase is taking advantage of me. So today I took a micro loan to get these utilities turned back on at XXXX $ interest a day and I will be very very un happy if they refuse to reimburse these 2x overdraft fees and pay for this micro loan fees and any jail costs if I do end up in jail. I am very un happy and disappointed with one of the largest banks in the world.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I am a XXXX member of USAA and am filing this complaint due to unauthorized duplicate billing and a lack of transparency regarding my accounts. Following a marital separation, my spouse restricted my administrative access to our joint insurance policy. Despite this, USAA continued to withdraw premiums for that policy from my individual checking account via autopay. 

In XX/XX/year>, USAA explicitly instructed me via email to establish my own separate insurance policy, which I did. However, USAA has continued to charge me for the original policy as well. Because my access is restricted, I am unable to log in to stop the autopay, effectively allowing USAA to " double-dip '' into my personal funds for coverage I was told to replace. 

I have filed internal disputes with USAA, but they have repeatedly claimed the charges are " valid '' without providing any supporting documentation, despite my formal requests for their reasoning. It is a violation of consumer rights to continue drafting funds from a personal account for a policy the user can no longer manage or access, especially after being directed by the company to move to a new policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I am disputing the reporting of the above accoun If you can not provide a complete accounting showing : Total original balance All payments applied Current legally owed balance Proof of assignment and authority Then you must delete this account from my credit report immediately.

Failure to correct this inaccurate reporting may result in further legal action and regulatory complaints.

FCRA 1681s-2 ( a ) Furnishers must report accurate information FCRA 1681s-2 ( b ) Duty to investigate disputed information FDCPA 1692e Prohibits false, deceptive, or misleading representation of debt FDCPA 1692f Prohibits unfair collection practices

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