vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I, XXXX XXXX, am writing to formally demand that you immediately cease and desist from all actions involving [ describe the conduct, such as harassment, unwanted contact, false statements, interference, etc. ]. Your conduct has caused distress and is unwelcome. Effective immediately, you are directed to : * Stop all direct and indirect contact with me. * Refrain from any further harassment, threats, intimidation, or other inappropriate behavior. * Cease any actions that interfere with my personal, professional, or family life. * Remove and refrain from publishing or sharing any false, misleading, or harmful statements about me. If these actions continue after receipt of this letter, I reserve the right to pursue all available legal remedies, including seeking protective orders, filing complaints with appropriate authorities, and pursuing any other relief available under the law. This letter is a formal request to resolve this matter without further legal action. Please govern yourself accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Newport Intermediate Inc.

Complaint narrative:
I am submitting another complaint regarding my blocked transfer in the amount of {$2300.00} from XX/XX/year>. This matter remains unresolved after more than three years, and I continue to be concerned by the company 's failure to provide direct answers regarding incorrect documentation that was provided to me and later became the subject of an internal investigation. My complaint is not about whether an XXXX license is required. My complaint is about the handling of my case, the inaccurate information provided to me, and the changing explanations that have been given over time. The company has acknowledged that it conducted an investigation into my claim that information belonging to another party was provided to me. However, despite repeatedly referencing this investigation, the company refuses to explain : What was investigated ; Whether the information provided to me was incorrect ; Why the documentation was previously defended as connected to my account ; Why different explanations have been provided throughout this matter ; What " appropriate steps '' were taken following the investigation. Instead, the company continues to respond by discussing the XXXX licensing process while avoiding the specific concerns raised in my complaints. I remain concerned because : Documentation associated with a different transaction was provided to me ; The documentation contained details that did not match my transfer ; The documentation was repeatedly treated as relevant to my case ; The company 's position changed multiple times over the course of this matter ; The company now states that it completed an investigation but refuses to provide any meaningful explanation regarding the outcome. I am not requesting information about another individual. I am requesting an explanation regarding information that was provided directly to me and used in connection with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: CA

Complaint narrative:
I havent speak with chime # XXXX and they are continue to deny my claim or what they call it dispute. I need my funds to be deposited back to my account because the funds are unauthorized. I provide the information and requesting to get my money back. The total amount is. {$490.00} you can help me regarding the situation since its putting a lot of stress because this is money that I need to pay my rent. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On, XX/XX/XXXX, I discovered my account had been restricted, preventing me from accessing money that belongs to me. To date, I have not been provided with a clear explanation for the restriction, the reason for the action taken, or a timeline for resolution. This lack of communication has caused significant inconvenience and concern. I have attempted to resolve this matter through Ally Banks customer service channels, but I have not received satisfactory information regarding why my account was restricted or when I will regain access to my funds. Ally Bank was contacted XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date there has been no resolution or any answers provided. I was told repeatedly that a ticket was submitted. I expect transparency regarding actions that affect my account and access to my money. The inability to access my funds has created financial hardship and stress. In addition l, I requested a written explanation of the reason for the account restriction. Immediate review of my account status. Restoration of access to my funds if no legal or regulatory basis exists for continued restriction. A clear timeline for resolution and any actions required.

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 non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XX/XX/year>, I contacted Chase regarding the welcome bonus on my XXXX XXXX XXXX. During that call on XX/XX/year>, a Chase representative confirmed that completing {$4000.00} in qualifying purchases would entitle me to a promotional bonus of 80,000 miles and XXXX XXXX. Based on that representation, I retained the account and completed the {$4000.00} spending requirement. I was subsequently informed that my account would only receive the lower offer of 70,000 miles and XXXX XXXX, contradicting what I was told on XX/XX/XXXX. I submitted multiple written requests through Chases message center asking Chase to review the XX/XX/XXXX recorded call and honor the terms that were represented. Chase partially resolved the dispute by awarding an additional 10,000 miles, bringing my total to 80,000 miles. However, Chase refused to honor the XXXX XXXX component of the same offer, despite both components arising from the same XX/XX/XXXX conversation and the same spending requirement. Despite repeated requests, Chase has not confirmed whether the XX/XX/XXXX recorded call was reviewed prior to issuing the denial. The partial adjustment, honoring the mile component while denying the XXXX component from the same represented offer, is inconsistent and has not been explained. I am requesting that Chase review the XX/XX/XXXX recorded call and apply the XXXX XXXX that was represented as part of the promotional terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: CA

Complaint narrative:
Complaint Against XXXX ( PayPal Holdings , Inc. ) Overview : XXXX is wrongfully withholding a business disbursement payment of {$18.00} intended for me. The transaction was sent by XXXX XXXX on behalf of an alcohol brand ( XXXX XXXX XXXX XXXX rebate promotion.The Issue : The funds were sent by XXXX XXXX to my XXXX address. My XXXX account has been fully updated and verified with this XXXX address. XXXX XXXX has confirmed via phone support that the funds were successfully delivered to XXXX but are currently sitting with XXXX as " unclaimed. '' XXXX customer service refuses to assist me, stating it is " not their problem, '' and told me to contact the sender.Tracking Information : Sender : XXXX XXXX : $ XXXX Reference ID : [ XXXX ] XXXX Disbursement ID : [ XXXX ] Target Email : [ XXXX ] Desired Resolution : Because the rebate promotion has an expiration date, I face a financial loss if XXXX allows these funds to auto-return to the originator. I request that XXXX manually locate this transaction using the provided XXXX XXXX and Reference IDs and immediately credit the {$18.00} to my active XXXX account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd
State: MN

Complaint narrative:
I am writing to request information regarding my closed Wise account. On or around XX/XX/year>, a Social Security Administration ( SSA ) one-time payment in the amount of {$2600.00} was sent to my Wise account. Shortly afterward, my account was placed under review which i was asked to run a verification and i did perfectly but later closed up. I would like to know the status of this payment and request confirmation of the following : Whether the payment was returned to the sender ( Social Security Administration ). The date the payment was returned, if applicable. Any trace number, reference number, or documentation confirming the return of the fund. This information is important for me to follow up with the Social Security Administration regarding the status of my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: IN

Complaint narrative:
I am filing this complaint against Chime regarding a transaction dispute that was unfairly denied. I purchased a XXXX U-shaped sectional couch, which was supposed to include an ottoman ( totaling XXXX pieces ), through the XXXX XXXX platform. The merchant committed a 'bait and switch ' by delivering only a XXXX L-shaped couch that also wasnt the correct measurements I attempted to dispute this directly with XXXX, but their process is a 'bait and switch'they refuse to hold their third-party sellers accountable and rely on policies that give them sole discretion to deny legitimate refund requests. Despite providing XXXX pieces of documented evidenceincluding photos of the incorrect/damaged item, the original listing details, and transcripts showing the merchant 's refusal to provide a reasonable refund or return process along with several reviews from hundreds of people stating the exact same thing i experienced Chime has denied my dispute twice without a substantive or transparent explanation. Chime is refusing to provide a formal written dispute letter or a detailed explanation for these denials. I have already sought mediation through the Indiana Attorney Generals office, which concluded without resolution, and I am now turning to the CFPB because Chime has failed to properly investigate my claim. I am requesting that Chime perform a genuine, escalated re-investigation of this dispute, considering the clear evidence of a fraudulent transaction that I have presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: PA

Complaint narrative:
In XX/XX/year>, my phone was lost/stolen along with my wallet and personal information. After discovering unauthorized activity on my Chime account, I contacted Chime and filed a dispute. Chime opened claim number XXXX and advised me to submit supporting documentation. I reported transactions that I did not authorize, including various charges from rideshare and delivery services. A police report was also filed regarding the loss of my phone and personal property. I am requesting a thorough investigation of the disputed transactions, review of any device access used to authorize them, and reimbursement for any transactions determined to be unauthorized. I have provided documentation and am cooperating fully with the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a ready checking account with flag star bank by enrolling into an online checking account sign up bonus offer which had the following terms as part of it- " Maintain an average daily balance of {$500.00} or more for the first 90 days. Set up XXXX or more direct deposits totaling {$500.00} or more in the first 90 days After meeting the cash bonus requirements, you will receive either a {$300.00} credit as a bonus XXXX days after account opening '' During this period I did multiple deposit of my paychecks specifically on XX/XX/XXXX and XX/XX/XXXX in the amount of {$600.00} each. And again on XX/XX/XXXX and XX/XX/XXXX in the amount of XXXX and {$300.00} respectively Below were my account month end ending balance for each statement cycle XXXX month ending balance {$100.00} XX/XX/XXXX ending balance {$1700.00} XX/XX/XXXX ending balance {$2600.00} XX/XX/XXXX ending balance {$3200.00} By the XXXX day my average daily balance was well over {$500.00}. Also, I met the XXXX criteria, as well, regarding direct deposits totaling {$500.00} or more I have also attached my monthly statements which tracks daily account balance for each day, since account opening

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 2026-06-06 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: MS

Complaint narrative:
I am filing a formal consumer protection complaint against Chase Bank for explicitly failing to uphold my federal rights under the Electronic Fund Transfer Act ( XXXX ) / Regulation E. On XX/XX/year>, an ACH debit web payment of {$1700.00} posted out of my Chase checking account to the merchant " XXXX XXXX '' ( Transaction Reference : Web ID XXXX ). This transaction was initiated during a trip to XXXX, Texas, where I opened this specific XXXX checking account at a local branch. The core classes and monthly billing for this training program never commenced. Before services ever began, I experienced a severe medical hardship involving XXXX complications. When I reached out to adjust my program, the merchant completely revoked my access to the training portal, provided absolutely XXXX core services or training, and completely terminated communication while keeping my {$1700.00} deposit XXXX. On XX/XX/year>, I called XXXX 's phone claims department to file a verbal dispute for an incomplete transaction/services unrendered. My monthly statement covering the XX/XX/XXXX transaction closed on XX/XX/year>. Under federal Regulation XXXX guidelines, I have a strict XXXX window from the date the statement was made available to dispute a billing error or unauthorized electronic fund transfer. My XXXX window remains fully active until XX/XX/year>, meaning I am legally within the timeframe to dispute. The Chase mobile app completely blocks self-service disputes for direct ACH withdrawals. When I called the phone claims line to protect my funds, Chase 's front-line agents flatly refused to open the dispute file, falsely claiming that ACH transactions can not be disputed or that I must handle it solely with a non-responsive merchant. This is a direct violation of Chases regulatory duty to investigate valid consumer billing claims. The stress of Chase refusing to follow federal law while I handle severe medical complications has caused significant burden. I demand that Chase honor Regulation E, officially initiate the ACH dispute investigation, and credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: Block, Inc.
State: TX

Complaint narrative:
Someone got into my account and did some transaction that I did not authorize. I get some disputes, and they was not investigated, right?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Citibank, due to unfair, deceptive, and inconsistent account practices regarding a new customer checking promotion. Specifically, Citibank is utilizing manipulative, self-serving logic regarding transactional datesenforcing a " posting date '' to void a promotional cash bonus contract while already acknowledging the validity of the " received date '' for the exact same transaction. Background and Promotion Terms : On XX/XX/XXXX, I opened a new Citibank checking account under the " Earn {$420.00} with Enhanced Direct Deposit '' promotional offer. The requirements to earn the {$420.00} cash bonus were to deposit at least XXXX ( XXXX ) Enhanced Direct Deposits totaling at least {$6000.00} within XXXX ( XXXX ) calendar days of account opening. Based on my opening date, my XXXX qualification window concluded on XX/XX/XXXX. Timeline of Events and Disputed Activity : XX/XX/XXXX : The first qualifying Enhanced Direct Deposit was successfully credited to my account for {$2100.00}. XX/XX/XXXX ( Day XXXX ) : The second required Enhanced XXXX XXXX of {$3800.00} was transmitted to and successfully received by Citibank. A Citibank representative explicitly confirmed to me that this transfer was fully received by the bank on XX/XX/XXXX. This brought my cumulative promotional deposits to exactly {$6000.00}, satisfying the threshold within the XXXX calendar window. XX/XX/XXXX : Due to an internal processing lag by Citibank, this second deposit was not formally " posted '' until XX/XX/XXXX. The XXXX XXXX XXXX Bank XXXX : Citibank has denied my {$420.00} bonus, claiming I failed to meet the qualifications because they are calculating the XXXX window using the posting date ( XX/XX/XXXX ), arguing the funds fell outside the timeline. However, XXXX own recent corrective actions completely contradict this stance. Because this deposit posted on XX/XX/XXXX, Citibank initially ruled that I had XXXX direct deposit volume during XX/XX/XXXX and assessed a {$15.00} monthly service fee on XX/XX/XXXX. Upon my dispute, Citibank reversed and refunded the {$15.00} fee, recognizing that the transaction was physically received on XX/XX/XXXX and therefore could not be counted as XXXX activity to penalize me. By refunding the monthly fee, Citibank has formally acknowledged that the {$3800.00} was received in XXXX. The bank can not legally or ethically alter its definition of a transaction date depending on which ledger benefits them. They can not recognize XX/XX/XXXX as the effective date to clear me of an XXXX fee, while simultaneously using XX/XX/XXXX to disqualify me from a promotional bonus contract.

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 2026-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, I enrolled my Marcus Online Savings Account into the {$1500.00} tier promotion. According to the promotional terms, this tier required depositing {$100000.00} in Eligible New Funds from an external institution within a XXXX Funding Period and maintaining those funds for a XXXX Maintenance Period. I executed my obligations immediately and flawlessly via XXXX external transfers : XX/XX/year> : External deposit of {$50000.00} XX/XX/year> : External deposit of {$50000.00} As of XX/XX/year>, the complete promotional balance of {$100000.00} was fully settled in my account. I have maintained this baseline balance perfectly, without a single withdrawal, auto-debit, or balance dip of any kind. As a consumer, my XXXX maintenance of these funds was fully satisfied as of XX/XX/year> ( 90 days from the date the full {$100000.00} was secured in the account ). Because I have completely fulfilled the core spirit of the promotional requirements by transferring and locking up {$100000.00} of external capital without any subsequent withdrawals, Marcuss failure to credit my account is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America has made it frustrating to report a fraud because of not online chat available, all phone numbers given puts you on hold for over an hour -- attempted this 3 times already, email does not work ( get a robot response and that is as far as it goes ). I am disputing a charge from some company that charges me XXXX each month called XXXX. It just appeared and the notification states it is going to be a reaccuring charge. I went to this subscription website XXXX and no record of my email. I was trying to verify that I did not have an account with them. I can not get any response -- I have never seen anything like this. I guess I need to close my account but there again-no way to close it.

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