vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 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: VA

Complaint narrative:
In early XXXX XXXX suspended my account, its been 4 months now and im unable to withdraw the money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: TX

Complaint narrative:
On the day I contacted Chime customer support, I reached out seeking assistance regarding my account, which had been closed after I attempted to create a new account using my updated personal information. I believe this action triggered the closure of my original account due to my Social Security number being linked to both accounts. During the call, I experienced multiple issues with customer service. The representative I spoke with was unhelpful and dismissive. They did not provide clear answers regarding why my account was closed or what steps I could take to resolve the situation. When I asked for further clarification and assistance, I was met with resistance. Additionally, the representative refused to provide their full name when I requested it and initially avoided transferring me to a supervisor. After insisting, I was eventually transferred, but the process was unnecessarily difficult and frustrating. Throughout the interaction, I was not informed of any formal complaint being filed on my behalf. Instead, I was only given a ticket number for the call, and it was unclear whether my issue was properly documented. This lack of transparency made it feel like my concerns were not being taken seriously. Over the course of a week, I have spoken with multiple agents, specialists, and supervisors, yet no one has provided a resolution or meaningful assistance. I have repeatedly been told that there is no resolution to my issue, without a proper explanation or attempt to help recover or reactivate my account. I am extremely frustrated with the lack of support, accountability, and professionalism displayed by Chime. I am requesting a full review of my account situation, a clear explanation for the closure, and proper escalation of my complaint. If needed I recorded some of the calls and would like for you guys to hear how rude and careless chimes staff was.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
This debt collector has engaged in unfair practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not agree to, and I never signed any agreement related to it. A legal contract requires consent from both parties, and I was not involved in this process. Furthermore, they failed to adhere to the proper five-step validation procedure. According to the FDCPA, I am entitled to compensation for these violations, which clearly infringe upon my rights and abuse my privileges. I demand the immediate removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: AZ

Complaint narrative:
My phone was temporarily stolen an after an unauthorized payment was sent through PayPal with friends and family option I did not authorize this transaction. PayPal denied the dispute. Im now requesting a formal fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint regarding a denied dispute involving an electronic transfer funded through my Chase account and completed via XXXX XXXX. On XX/XX/scrub>, 2026, I sent a total of {$1500.00} for goods/services that were never delivered. Of that amount, {$1000.00} was directly funded from my Chase account, and {$500.00} came from my existing XXXX XXXX balance. After the seller failed to provide the agreed-upon goods/services and refused to return the funds, I filed a dispute with Chase. My claim was denied on the basis that the transaction was authorized and involved a third-party platform. However, I do not believe Chase conducted a reasonable or complete investigation into the actual issue, which is non-delivery of goods/services. The determination appears to have been based solely on authorization of the transaction, rather than whether the seller fulfilled their obligation. During the investigation process, I was not asked to provide any supporting documentation, such as communications with the seller or evidence showing that the goods/services were never delivered. Additionally, Chase has not provided a detailed explanation of the steps taken during their investigation, including whether any attempt was made to contact XXXX XXXX or review the receiving account. Authorization of a transaction does not mean that the underlying goods or services were provided. I believe this matter warranted a more thorough investigation that includes evaluating non-delivery and any potential recovery options. I am requesting that Chase reopen this claim and conduct a full and proper investigation, including review of supporting evidence and a clear explanation of their findings. I am also requesting that Chase attempt recovery of the {$1000.00} funded directly from my account. I attempted to resolve this issue directly with Chase but was not provided with a sufficient or transparent review. I am now requesting regulatory assistance to ensure a fair and complete investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
I sent money XXXX XXXX to my sister in the XXXX last XX/XX/ 2026 in the amount of XXXXXX/XX/XXXX pesos As promised, money should be available in minutes but its been delayed up to this writing which is almost XX/XX/XXXX days now. Ive been following up every now and then but the company kept saying they are trying ti resolve the issue. Everytime I chat with their human agent via web portal, they always tell me the same response, that they will let me know when the money is processed. The money was needed urgently by my family but its not being delivered as expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing this complaint regarding Jefferson Capital Systems for inaccurate credit reporting. This account appeared on my credit report with a balance of {$550.00}, and I do not recognize this debt. I have been a victim of identity theft and believe this account may be fraudulent. I disputed this account with XX/XX/XXXX, and it was marked as verified without any documentation being provided to prove the debt belongs to me. I have not signed any contract or agreement with this company, and no proof of ownership or validation has been provided despite my requests. This company is reporting unverified information, which is a violation of the Fair Credit Reporting Act. I am requesting that this account be investigated and removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
ONLINE INFORMATION SER Account Number XXXX XXXX XXXX {$620.00} I've tried resolving it with them, but no luck, so please help. My rights are being violated. 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt Including a signed agreement, full account history, and verification of your authority to collect, you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
COLUMBIA DEBT RECOVERY Account Number XXXX XXXX XXXX {$11000.00} I've tried disputing and resolving with no success, so please help. My rights are being violated. 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt Including a signed agreement, full account history, and verification of your authority to collect, you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year>, PayPal seized my entire account balance of {$1100.00} ( Transaction ID : XXXX ). The transaction was labeled as " PayPal loss recovery. '' My account was previously placed under a permanent limitation, and I was instructed by PayPal to wait XXXX days for the release of my funds. Instead of releasing the funds at the end of this period, PayPal unilaterally debited the full amount. When I contacted customer support, they refused to provide an itemized breakdown of any actual financial " losses '' or damages I caused. This seizure appears to be an application of " liquidated damages '' for an alleged Acceptable Use Policy ( AUP ) violation. Under consumer protection laws and California contract law ( where PayPal is headquartered ), these are considered unenforceable penalties because they do not reflect actual, proven losses. I am requesting the immediate return of my {$1100.00}, as PayPal has failed to provide due process or evidence justifying the theft of my personal property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, I received an instant transfer from XXXX in the amount of {$210.00} into my Chime account. Immediately after this transfer, at approximately the same time, Chime deducted {$120.00} from my account as a XXXX repayment. The funds used for this repayment came from an instant transfer, not from a qualifying direct deposit. I had been under the understanding that repayments would only be taken from qualifying direct deposits. I contacted Chime customer support and spoke with a supervisor regarding this issue. During that conversation, I was informed that if a qualifying direct deposit is not present, their system may take funds from other incoming transfers. This indicates that repayments are not limited to direct deposits and may be taken from other types of deposits, which was not clearly disclosed or explained to me when using the service. Because of this, funds were withdrawn from my account in a way that did not match my understanding of how repayments would be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Account closures with funds withheld. Inability to reach customer service. Frozen accounts and failure to return funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, my phone was stolen while I was working as an XXXX XXXX in XXXX, NY at around XXXXXXXX XXXX The passenger asked to use my phone and then stole it and fled. I was left without access to my device. Within about 1 hour, I went to an XXXX XXXX XXXX store on XXXX XXXX and transferred my SIM to another phone. During that time, the thief used my stolen phone, XXXX XXXX, and personal information to make unauthorized transactions. Specifically, {$1100.00} was charged on my Coinbase XXXX XXXX credit card without my authorization. In total, approximately {$35000.00} was stolen across my accounts. I immediately reported the fraud and provided evidence, but the issue has not been fully resolved. All transactions were unauthorized and done without my consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-22 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing this complaint regarding multiple failed payment attempts and improper return fees involving my American Express account and my XXXX XXXX checking account. I made several attempts to pay my American Express balance using my XXXX XXXX account with correct routing and account numbers. Despite entering accurate information, some payments were marked as returned by American Express and I was charged return fees. At the same time, other payments from the same account ( including payments of approximately {$80.00} and {$56.00} ) were successfully processed. When I contacted American Express, the representative XXXX XXXX XXXX stated that they contacted XXXX XXXX to locate an account ending in XXXX and claimed that XXXX XXXX reported no such account exists. However, when I contacted XXXX XXXX, I was told they have no record of any declined, canceled, or failed transactions, and they do not see these attempted payments at all. This creates a conflicting situation where American Express is showing returned payments and charging fees, while XXXX XXXX does not show any evidence that these transactions were ever declined or even received. Additionally, one American Express agent told me that a previous payment initially declined but was later retried and successfully processed, yet I still received a return fee for that transaction. The same agent also stated that they could not explain why some payments go through while others do not and suggested that this would be an issue on the XXXX XXXX side, despite XXXX XXXX having no record of any issues or denials. A XXXX XXXX representative ( XXXX ) advised me to use a different routing number associated with domestic wire transfers, which may not be appropriate for standard electronic ACH payments and added further confusion to the situation. I also previously had another bank account linked to my American Express profile, which raises concern that there may be a backend or payment profile issue causing incorrect or inconsistent account information to be used during transactions. I have made multiple good faith attempts to pay my balance, ensured that I had sufficient funds, and verified that all banking information entered was correct. I should not be penalized with return fees due to what appears to be a system, communication, or processing issue between these two institutions. I am requesting a full investigation into why these payments are not being properly processed or recorded, and I am requesting removal and refund of all return fees associated with these failed transactions. I also request confirmation that my correct bank account information is being used for all future payment attempts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 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: PINNACLE FINANCIAL PARTNERS, INC.
State: OH

Complaint narrative:
I sent a written request regarding this account, including a request for full validation of the alleged debt and a pay for delete offer, on XX/XX/year>. In my request, I specifically asked for documentation including a copy of the original signed agreement, a complete payment history, and proof of the company 's authority to report this account. To date, I have not received any proper validation or documentation supporting this alleged debt. Despite my request, the account continues to be reported to the credit reporting agencies. This raises serious concerns regarding the accuracy, completeness, and verifiability of the information being furnished. Under the Fair Credit Reporting Act, all reported information must be accurate, complete, and verifiable. The company 's failure to provide validation while continuing to report this account suggests non-compliance with these requirements. I am requesting that this account be deleted due to failure to properly validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: NC

Complaint narrative:
Im seeing this account listed with multiple collection agencies. Before I make any payment, I need written verification that your company currently has the legal authority to collect this debt, I see halstead and resurgent both have the accounts I would like to know which one Its supposed to be under.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
This is a follow-up to my previous complaint ( XXXX XXXXXXXXXXXX ). Bank of America closed my accounts on XX/XX/XXXX. After closing, they issued XXXX cashier 's checks totaling {$20000.00} and mailed them to my former US address. I never received them. On XX/XX/XXXX, I deposited both checks with my XXXX XXXX XXXX XXXX, for collection. My XXXX XXXX sent the original checks to Bank of America 's XXXX, Arizona branch via XXXX XXXX on XX/XX/XXXX. XXXX tracking number XXXX confirms the checks were delivered and signed for on XX/XX/XXXX at XXXX XXXX. Bank of America ignored all inquiries for 18 months : Four XXXX messages from XXXX XXXX ( XXXX XXXX ) My personal letter dated XX/XX/XXXX My XXXX lawyer 's letter dated XX/XX/XXXX After I filed my original CFPB complaint, Bank of America responded on XX/XX/XXXX. In their letter, they admitted the checks were " returned to the bank '' and stated they need my updated mailing address to reissue them. Since receiving that letter, I have tried repeatedly to provide my address : I called XXXX multiple times from XXXX. Calls disconnect when operators realize I am calling from outside the United States. I called the extension provided ( XXXX ). It gives only a busy tone. I emailed XXXX with my address. I received no response. I am in XXXX. I have no US phone service. I can not travel to the US because my XXXX was denied. Bank of America 's phone system is not accessible to 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 monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
They told me straight up that they were going to take legal action against me. They said I could be sued for the debt, and if that happened, they could freeze my bank account and even put a lien on my property. Basically, they were making it clear that if I didnt pay, they were going to go through the courts and come after whatever I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us bank placed a hold on my checking account saying it may take 40 days. I have no money for food gas or housing. I have been living in my car with no food or shelter. I need access to my money I do not know why. I know that I have been experiencing fraud on my account I never showed irresponsibly. I need access to my account. I am XXXX from back neck issues, this is unusual punishment

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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: GA

Complaint narrative:
IQ DATA INTERNATIONAL Account Number XX/XX/XXXXXXXX {$280.00} Please help ive tried to resolve this inaccuracy with no luck an at this point i am stressed out because this company is violating my rights Under 15 U.S.C. XXXX XXXX ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation