vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
I took out a small XXXX loan to try and help my business. I have been making payments to the XXXX the entire time. They were small payments meant to keep the account in good standing. I increased the payments to XXXX $ a month, drafted on the first of every month since XX/XX/year>. They sent the loan to XXXX XXXXXXXX XXXX XXXX which offloaded to CBE. I never received communication from any of these parties. After chasing down what was happening, I finally reached CBE. I spoke to XXXX and then her supervisor, XXXX XXXX I asked to settle the debt, and they refused. XXXX threatened me that I would never be able to get a home loan ( FHA ) or any other services from the federal government if I did not pay her. I gave her payment in full, which was more than the original debt. I then asked where she would be sending the receipt, and she said they are not obligated to provide a receipt. I informed her I wanted proof of debt and by law her company is required to provide receipt of the debt paid in full. She again refused and said I would have to go back to the XXXX and her company would not provide a receipt of payment. To this day, the XXXX is still drafting a {$100.00} dollars from my account, the XXXX XXXXt will not provide information and CBE threatened my ability to receive from the government that I pay taxes to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have had a car loan with Ally Auto for the past XXXX years. They have charged me fees to pay over the phone, charged ridiculous late fees, and now, due to a sickness, I am XXXX  months behind. Prior to getting XXXX months behind, I attempted to make a payment arrangement to move XXXX of the payments to the back of the loan. That was denied, and I was originally offered a month to be moved to the back of the loan and a payment of {$770.00} to be rendered withing XXXX days. In less than XXXX hours, I was put into a payment arrangement where they are demanding {$1500.00} within XXXX days and that's more than twice the amount of the vehicle payment. They are denying me access to talk to a supervisor, keep hanging up on me and I have this all recorded and transcribed. Side note, I have paid on this vehicle for more than XXXX years now and I haven't really seen the needle move on my principal. They locked me into that extension agreement absent my consent. This was after stalling me for XXXX hours so that now, as of today, the loan is XXXX  days past due and they changed the original agreement for a loan extension that was initially offered which has now doubled in it's terms. This is an unethical practice and they have had class actions against them for Repossession and hidden fees. I am trying to work something out with the company to continue my relationship with them but they are being unfair in their practices and haven't been applying my payments to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
Issue : Money was taken from my account and never reached the destination, and the bank closed my dispute. 
Description : On XX/XX/year>, a transfer of {$1300.00} from my Discover saving account to a XXXX XXXX checking account. The XXXX XXXX account had been closed on XX/XX/year>. Discover Bank initially provided a provisional credit after I reported the funds missing. However, they have since reversed that credit, claiming the transaction was " valid. '' Discover has failed to recognize that a transfer to a closed account can not be completed. Despite my requests, Discover has not successfully recovered the funds via an ACH Return or Letter of Indemnity. I am caught in a " loop '' where Discover claims the money was sent, but the receiving bank ( XXXX XXXX ) has no record of the funds being applied to any account. I am requesting that Discover work with the receiving bank to locate the funds via XXXX ID XXXX and return them to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstCredit, Inc.
State: ID

Complaint narrative:
I received a voicemail today, XX/XX/year>, at XXXX from the number XXXX ( XXXX ) XXXX XXXX. It was an automated voice claiming to be from First Credit Inc.. The message used my name and said that if I listened to this message, I was conceding that I am the person by this name. 
It then stated that the voicemessage was an attempt to claim a debt, and that I should contact them about an important business matter. They said to return the call at the number XXXX. 
Not being aware of a debt that would have gone to collection, I googled the name of the company, First Credit Inc. to ensure it was not a scam. It appeared that they are a legitimate debt collector, according to the Better Business Bureau, so I googled their contact number directly and was provided the number XXXX by the First Credit Services Inc. website. 
I placed a call to that XXXX number around XXXX today, XX/XX/year>, to inquire about the details of the purported debt. The customer service representative asked me to spell my name and confirm the state from which I was calling. I gave him both pieces of information. I asked to whom the purported debt was owed and the amount. The agent said he could find no record of debt in my name. This is when I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I was recently informed of negative information reported by XXXX XXXX  included in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a XXXX XXXX of XXXX  I am unaware of ever having a checking account from 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 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am receiving repeated and excessive phone calls from a credit card debt collector. The calls occur multiple times a day and have continued despite my lack of response and, at times, requests for the calls to stop. The frequency and persistence of these calls feel harassing and disruptive to my daily life. Some calls come from different phone numbers, making it difficult to block or avoid them. I believe this behavior may violate fair debt collection practices, and I am requesting assistance in having the calls stop and ensuring the collector complies with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EGL US, LLC
State: AL

Complaint narrative:
Company : BMG Loans/ BMG Money Issue Type : Debt collection / Loan servicing / Improper credit practices Complaint Narrative I am submitting this complaint regarding BMG Moneys improper handling of my loan account, including sending my account to an outside collection agency without prior notification and without providing me the opportunity to verify or dispute the accuracy of the alleged balance.

I was directly affected by workforce cuts, resulting in a salary reduction of approximately {$23000.00} annually. Despite this significant financial hardship, I remained in constant communication with BMG loan representatives, advising them of my situation and making payments to the extent I was financially able. At no time did I refuse to pay or avoid my obligation. As communicated to BMG, reduced income is still income, and I acted in good faith throughout this period.

Without providing advance written notice, a right to dispute, or verification of the balance, BMG transferred my account to a third-party collection agency. This action deprived me of my consumer rights and caused unnecessary financial and emotional distress.

I was never provided : A written notice of intent to transfer the account to collections An opportunity to verify the accuracy of the balance A clear explanation of how the balance was calculated Proper notice required prior to third-party collection activity Violations and Concerns BMGs actions appear to violate the following consumer protection standards : Fair Debt Collection Practices Act ( FDCPA ) Failure to provide timely validation of the debt Engaging a third-party collector without proper notice Depriving the consumer of the right to dispute the debt before collection Consumer Financial Protection Act ( CFPA ) Engaging in unfair and deceptive acts or practices ( UDAAP ) by transferring the account without transparency or due process Failure of Servicing Obligations Ignoring documented hardship and prior payment arrangements Acting inconsistently with representations made by loan agents during ongoing communication Requested Resolution I respectfully request that the CFPB require BMG Money to : 1. Recall the account from the outside collection agency immediately 2. Provide full written validation of the alleged balance, including payment history and fees 3. Correct any inaccurate credit reporting, if applicable 4. Honor prior communications and good-faith payment efforts 5. Cease all collection activity until the debt is properly validated I am requesting a fair resolution, not avoidance of responsibility. My expectation is compliance with federal consumer protection laws and transparent, lawful servicing practices.

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: VA

Complaint narrative:
My federal student loans were serviced by EdFinancial and were enrolled in autopay during the period in question. I reasonably believed payments were being processed as scheduled.

Due to an autopay processing failure, payments were not withdrawn from my bank account while billing statements continued to state that the account was Enrolled in Auto Pay. During this time, EdFinancial also sent delinquency notices, creating confusion as to payment status and the amount required to fully cure the delinquency.

After discovering the delinquency, I made good-faith payments toward the outstanding balance. However, due to continued autopay failures, repeated attempts to re-enroll in autopay, and unclear presentation of the remaining amount due, the account was not fully resolved immediately.

Once the correct amount due was clearly identified and the autopay issues were resolved, I brought the account fully current. There was no intent to avoid payment. The delinquency progressed to 90 days due to autopay system failures and servicing confusion, not borrower neglect.

I requested review and adjustment from EdFinancial, but was informed that they categorically refuse to consider any goodwill or discretionary credit reporting review, even in cases involving autopay failure.

I am requesting regulatory review of the fairness and handling of this credit reporting, given the documented autopay enrollment, conflicting billing communications, and eventual full remediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
CFPB Complaint Company : Resurgent Capital Services Account Name on Credit Report : RC / RESURGENT RECEIVABL Phone Number Listed : XXXX XXXXXXXX XXXX XXXX  Complaint Summary I am filing this complaint against Resurgent Capital Services for violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate, incomplete, and unverified credit reporting. Despite disputes, Resurgent Capital Services has continued to report incorrect information on my consumer credit reports without providing proper verification or conducting a reasonable investigation as required by law. 

Timeline of Events XXXX XXXX XXXX XXXXXXXX : The account titled RC / RESURGENT RECEIVABL first appeared and/or continued to appear on my consumer credit reports. 

I identified inaccuracies and inconsistencies in how the account was reported, including reporting that does not accurately reflect the status, balance, and/or ownership of the alleged debt. 

XXXX : I disputed this account with the credit reporting agencies, which triggered an obligation for Resurgent Capital Services to conduct a reasonable investigation under 15 U.S.C. 1681s-2 ( b ).

Resurgent Capital Services continued reporting the account without correcting or deleting the inaccurate information and without providing validation or evidence that the reporting was accurate. 

XXXX : The account is still being reported inaccurately, causing ongoing harm to my credit profile, including negative impact to my credit score and lending opportunities.

FCRA Violations Resurgent Capital Services appears to be in violation of the FCRA, including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information that is inaccurate or misleading 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation after receiving notice of a dispute 15 U.S.C. 1681s-2 ( a ) ( 2 ) : Failure to correct and update inaccurate information 15 U.S.C. 1681 ( a ) ( 4 ) : Failure to ensure maximum possible accuracy Harm Caused The continued inaccurate reporting by Resurgent Capital Services has caused financial and reputational harm, including but not limited to : Damage to my creditworthiness Stress and time spent disputing inaccurate information Potential denial of credit and/or less favorable credit terms Resolution Requested I am requesting that the CFPB require Resurgent Capital Services to : Conduct a full and lawful investigation into the reporting of this account Provide documented proof that the information being reported is accurate and verifiable Delete the RC / RESURGENT RECEIVABL account from all consumer credit reporting agencies if it can not be fully verified as accurate Cease any further inaccurate reporting related to this account I respectfully request the CFPBs assistance in ensuring compliance with the Fair Credit Reporting Act and protecting my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I sent a money transfer of {$160.00} through Sendwave. I repeatedly called to cancel the transfer because it never reached the recipient, and my account showed it as requiring action, which had never happened before. I called to cancel several times on different days, and all the representatives told me the same thing : " You must wait 24 hours. '' To this day, I have received no response. Then they told me that XXXX had to validate the account. I called the bank, and they told me the information was incorrect, that there was no refund or validation request. Today I called again, and no one speaks to me ; they just put me on hold. The company I used to send the money transfer is called Sendwave.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year> I received a statement notification in my email about my statement balance, in which I had my bill on auto pay. I called Best Buy in which the customer representative XXXX told me that I had accumulated {$1300.00} in interest charges. I was unaware that I was on a promotion and that the promotion had ended. I also thought my credit limit is {$2000.00} and not {$1900.00}. When I was approved, I was told that my limit is {$2000.00}. He offered to reverse the {$800.00} and some change if I had paid the {$600.00} and some change. I had mailed Best Buy and notified them of my issue in which they stated that I should just call the customer service number on the letter, I did ( XXXX ) in which she made the same offer as XXXX. She also notified me that I was on XXXX promotion and not XXXX. I am very confused as to what is going on. This is very unfair no one informed me of this and I do not believe people should be experiencing this.

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 2026-01-28 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: Chime Financial Inc
State: VA

Complaint narrative:
I am filing a complaint against Chime for allowing XXXX unauthorized withdrawals totaling {$100.00} after my account/card was locked and authorization was revoked. 

I previously had a XXXX account, which was closed, and I no longer have access to that merchant. Despite this, Chime allowed XXXX to continue debiting my account. 

I disputed these transactions multiple times and informed Chime that the withdrawals were unauthorized. Chime denied reimbursement, stating I had no evidence, even though under Regulation E, a consumers statement is sufficient once authorization is revoked. 

Chime failed to block the merchant at the ACH level and failed to protect my account after I reported the issue. These withdrawals should not have occurred after my account was locked. 

I am requesting : 1. Reimbursement of {$100.00} 2. Confirmation of a permanent ACH stop payment for XXXX 3. Review of Chimes compliance with Regulation E regarding unauthorized electronic fund transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for and was approved for an American Express XXXX XXXX Everyday credit card after being presented with a promotional 0 % APR balance transfer offer for a fixed introductory period with a balance transfer fee. After approval, I completed a balance transfer of approximately {$7500.00} and was charged a balance transfer fee of about {$250.00}. 

When my first statement generated, American Express treated the balance transfer as a purchase and charged interest at approximately 24.99 %, resulting in about {$110.00} in interest charges. I contacted American Express and was later told that I was ineligible for the promotional balance transfer APR because I had received a similar balance transfer promotion on a different American Express account several years earlier. This eligibility restriction was never disclosed during the application or approval process. 

I filed a written billing dispute under the Fair Credit Billing Act. American Express acknowledged the dispute ( reference XXXX ), temporarily stopped interest accrual, and stated the amount was under review. I also participated in an internal complaint process. American Express ultimately closed the dispute and complaint and refused to refund the balance transfer fee, stating that no promotional offer could be located. 

I repaid the balance transfer in full. I am requesting a refund of the balance transfer fee and correction of any related charges, as the promotional APR was denied retroactively based on an undisclosed eligibility restriction after approval and after the fee was charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We are filing this complaint regarding a confirmed fraud incident involving our business bank account and the handling of frozen fraudulent funds by JPMorgan Chase Bank. 

On XX/XX/year>, my business partner and I received a text message from XXXXXXXX XXXX stating there was suspected fraudulent activity on our account related to a XXXX XXXX transaction. We immediately replied NO. Later that same evening, at approximately XXXX XXXX, we logged into our XXXX XXXX  account and discovered that nearly {$500000.00} had been removed through multiple unauthorized transactions. 

We immediately contacted XXXX XXXX  and reported the fraud. At that time, the transactions were still pending. We requested that the transactions be canceled or stopped. XXXX XXXX  refused to assist further because we could not recall a specific security code, despite our immediate fraud report and identity verification. 

The following day, we went in person to our local XXXX  branch and met with the XXXX XXXX XXXX, who assisted us in printing the transaction details. We then immediately went to a JPMorgan Chase branch because the fraudulent funds had been transferred into Chase accounts. 

A Vice President at the Chase branch reviewed the transactions, recognized them as fraudulent, and froze the funds before they could be transferred to any external bank. The funds never left Chases custody.

We filed a police report with the XXXX Police Department ( Report # XXXX ) and also filed an FBI IC3 complaint. Chase was provided with this information. 

Despite the funds being identified as fraudulent and frozen, we have not received a clear process or timeline from JPMorgan Chase for the release and return of the funds. XXXX XXXX  has also failed to provide clarity on recovery, despite the immediate reporting of fraud while the transactions were pending. 

We are requesting CFPB assistance to require JPMorgan Chase to confirm custody of the frozen funds and coordinate their prompt return to the rightful owner, and to address XXXX XXXX failure to stop the pending fraudulent transactions after immediate notice. 

Supporting documentation, including bank records, correspondence, and law enforcement reports, is attached. 


XXXX {$97000.00} XXXX XXXX {$99000.00} XXXX {$98000.00} x XXXX XXXX Police Department Report : # XXXX FBI IC3 Complaint : Filed ( confirmation available upon request )

Company response to consumer: Closed with explanation