vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this correspondence to formally request immediate assistance regarding an unresolved matter with Western Union, case number XXXX ( internal reference : ref :! XXXX.! XXXX ). 

The transaction in question occurred on XX/XX/year>, with original XXXX XXXX. Despite repeated efforts to resolve this directly with Western Union including phone calls, online chat sessions, and emails the matter remains unresolved. I was repeatedly told that a refund could not be processed because the original credit card number had been changed, and that issuing a check was against company policy. 

As a result, Western Union issued several new XXXX numbers over the years, but none resolved the issue. This cycle of issuing new numbers without resolving the problem has caused substantial inconvenience and left the transaction unclaimed despite multiple attempts to retrieve the funds. 

I have exhausted all informal resolution channels, and the company has failed to provide a substantive written response. Accordingly, I am requesting your assistance to : XXXX. Investigate the status of the unclaimed transaction. 
XXXX. Ensure the full issuance of the refund without further delay. 

Please find attached a screenshot of the transaction showing the original XXXX. 

I appreciate your prompt attention to this matter and request a written response outlining the steps Western Union will take to resolve this issue. 

Sincerely, XXXX XXXX Phone : XXXX E-mail : XXXX Case Number : XXXX Internal Reference : ref :! XXXX.! XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have unfortunately fallen victim to identity theft during a challenging time when I was recovering from major XXXX XXXX and dealing with XXXX  XXXX. The account in question is a direct result of this theft, and it has caused me significant distress. I am exhausted from the constant harassment by this creditors XXXX, XXXX Original creditor : BRIDGECREST ACCEPTANCE CORPORATION regarding an account that I do not owe. Every day, I receive calls and messages that only add to my stress and XXXX. It feels incredibly unfair to be pursued for something that is not my responsibility, especially when I am trying to focus on my health and well-being. I kindly ask for your assistance in resolving this matter so that I can regain my peace of mind. I would greatly appreciate it if you could remove this account from my credit report and all XXXX  XXXX XXXX, and this debt has been on my credit report for over XXXX  years already. This would allow me to move forward with my life without the burden of this unjust situation. Thank you for your understanding and support in helping me through this difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Mobiloans, LLC
State: NY

Complaint narrative:
This store is charging tax on debit cards as well as alcoholic beverages.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
I filed a dispute with chime regarding XXXX unauthorized transactions made to Pay Anyone from my checking account And the Tag ID is $ XXXX XXXX $ XXXX U The dispute ID is # XXXX The dispute transactions were {>= $1,000,000} on XXXX XXXX. The Total amount of Dispute is {$1300.00}. I submitted the dispute on XXXX XXXX but on XXXX XXXX i was notified that my dispute was denied this transaction were not authorize by me i did'nt share my log in credentials and did not give permission to anyone to access my account. At the time of transaction, I was not in control of my phone. I am requesting a re-review and further investigation, as this activity was fraudulent and cause financial loss

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I moved into a first-floor apartment where the back patio door lock was broken at move-in. The defective lock was documented in a signed move-in inspection and reported through a high-priority maintenance request on XX/XX/year>. Despite multiple follow-ups in person and by phone, the lock was never repaired. 

On XX/XX/year>, while the patio door remained unsecured, my apartment was broken into and property was stolen. A police report was filed documenting the burglary. The patio door was the only known unsecured point of entry, as the front door and windows were locked. 

Following the break-in, I formally requested to terminate my lease without penalty due to the unresolved security issue and safety concerns. Despite the documented maintenance requests, police report, and written notice to management, the landlord assessed charges that were later sent to collections. 

I disputed this debt with all three credit bureaus. XXXX  deleted the account for failure to verify, and the debt is not currently reporting with XXXX XXXX XXXX The collection agency has not provided documentation showing that I am legally obligated to pay these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase has been secretly charging monthly maintenance fees of {$15.00} per month on my checking account for XXXX consecutive months ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), totaling {$45.00}. 

Chase stated the fees were assessed because my account did not meet the waiver requirements. This was unintentional, and I was not notified that my account no longer met the requirements before the fees were charged. 

I contacted customer service and received a refund for XXXX month only. I am requesting a formal review and a one-time courtesy refund for the remaining XXXX months, as the charges were recent and unintentional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am disputing the calculation of interest charges applied to my American Express Platinum Card account. 

Although I understand that the issuer uses the Average Daily Balance ( ADB ) method with daily compounding for Pay Over Time balances, I believe that payments made during the billing cycles were not applied in a manner that reasonably reduced the daily balance used for interest calculations. 

Significant payments were made during the billing periods and prior to the payment due dates. Despite this, finance charges for the billing periods closing XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> remained disproportionately high. 

I previously contacted American Express directly to request a detailed breakdown and recalculation of the interest charges, but the issue was not resolved. I am requesting regulatory review to ensure that the interest calculations and payment application practices are fair, transparent, and consistent with consumer credit standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: IN

Complaint narrative:
I activated a Brinks armored card on the XXXX of XXXX and cashed out {$100.00} from my XXXX account. The very next day I tried to use my card but it wouldn't work. I called the XXXX  number on the card and they told me my card has a block on it andvthat the account has been closed. When I asked them why XXXX was told it was due to XXXX activity back in XXXX of XXXX. I just activated the card in XX/XX/XXXX. But they would not give me any more information. I need my money back that I put on the card

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 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I ordered a new credit card. That card was stated to delivered on XX/XX/XXXX. 

I received an email stating that the card was undeliverable. 

I called support in which the automated system on XX/XX/XXXX to now ( XX/XX/XXXX ) I verify myself to the automated machine every call ( recorded on my end ) after 2-3 minutes Im transferred to a live representative in which I verify myself immediately a 2nd time. 

The human representative proceeds to lie about USPS not being able to deliver the card. There is video footage of usps delivering mail. Than they lie about the address being incorrect. ( its the same address they delivered two other cards to ). 

I believe they stealing my agent as they refuse to explain why its undeliverable or escalate to a supervisor )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The account was opened by someone who was not me. I did not authorize or want this card. I want the account closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
This is an FHA-insured mortgage on a California property XXXX In XXXX, our monthly payment increased by approximately {$1000.00}, creating a financial hardship. We applied for loss mitigation and were approved for a trial modification plan. All required trial payments for XXXX, XXXX, XX/XX/XXXX in the amount of {$3200.00}, were completed in full and on time. 
When final modification documents were issued, they required the signature of a non-occupant title holder who has never lived in the property, has never contributed financially to the loan, and is unavailable to sign. This appears to be the sole basis for denial. After completing notarization as instructed and returning documents, we received no written correspondence explaining the outcome. Several weeks later, the online portal reflected the modification as rejected, without a written denial letter or appeal instructions. 
We dispute that a complete and compliant FHA loss mitigation review occurred. The servicer did not meaningfully evaluate us for an FHA Partial Claim or other FHA options that do not require all title holders to sign. An FHA Partial Claim is specifically designed to cure arrears without a lump sum and is often appropriate where a non-occupant title holder is unavailable. 
Since XX/XX/XXXX, the servicers system has blocked us from submitting monthly payments despite repeated good-faith attempts. Payments have been refused unless a lump-sum payment of approximately {$25000.00} is made. As a result, the account now reflects a 90-day delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
This complaint concerns a failure of procedural notice and a lack of reasonable investigation in the handling of my credit card dispute regarding a {$7000.00} transaction. The dispute was ultimately closed based on an internal deadline that was never clearly disclosed, while the bank simultaneously issued communications indicating that the case remained active and that additional evidence could still be submitted. 

On XX/XX/XXXX, the bank sent a letter stating that the dispute was closed, but in the same correspondence instructed me that I had until XX/XX/XXXX to continue the dispute. This created ambiguity about whether the case was final or still open. 

On XX/XX/XXXX, the bank provided secure digital upload links for submitting additional documentation. These links were explicitly valid for XXXX  days, expiring on XX/XX/XXXX. Providing upload links with an expiration date after XX/XX/XXXX reasonably communicated that submissions would still be accepted beyond that date. 

Relying on these communications, I continued preparing and submitting additional evidence. On XX/XX/XXXX, a bank representative reviewed new material evidence, described it as compelling, and stated that the dispute would be reopened or escalated for further review. 

Later that day, I was informed that the dispute could not, in fact, be reopened because an internal dispute window was considered to have expired at midnight on XX/XX/XXXX. This was the first time I was told that XX/XX/XXXX was a hard deadline that permanently barred further consideration, despite prior written and verbal communications indicating the case remained active. 

As a result, I was deprived of a fair opportunity to present evidence that the banks own personnel acknowledged as material. The banks issuance of post-deadline upload links and continued engagement reasonably led me to believe the dispute was still under review, while an undisclosed internal deadline was later used to close the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: AR

Complaint narrative:
On XX/XX/XXXX, I sent a written dispute and request for validation to IQ Data International , Inc. via certified mail. The company received my dispute on XX/XX/XXXX, at XXXX XXXX, as confirmed by USPS return receipt. 

IQ Data International , Inc. never acknowledged my dispute and never provided any validation of the alleged debt.

Despite receiving my written dispute, the company has continued to report the account to the credit bureaus. Although the account is marked as disputed, reporting activity continued without validation. The tradeline reflects updates in XX/XX/XXXX and again in XX/XX/XXXX, and the reported balance changed during that period while the debt remained unvalidated. 

Continued reporting and balance updates on an unvalidated debt raise concerns regarding the accuracy of the information being furnished and appear inconsistent with the FDCPAs requirement that collection activity cease after a written dispute until validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: CITIBANK, N.A.
State: IA

Complaint narrative:
In XXXX, I reported a fraudulent charge of {$410.00} on my Citibank credit card after years of it remaining open but not charged to ( It is a backup card that was used for a balance transfer in XXXX ). At the time of that report in XXXX, there was an additional related charge pending for the amount of {$53.00} that should have been addressed as part of the original fraud dispute. That charge was not resolved and remained on my account. Later that month, another fraudulent charge showed up from XXXX that was unauthorized and I didn't even receive my new card. Upon calling Citi after not receiving the second card, we discovered my mailing address and residential address was changed multiple times to a mailing address in California that was not my address. 

Since XXXX, I have contacted Citibank approximately twelve times via the phone and once via email to follow up on this unresolved, fraud-related charge. Each time, I was told the dispute was under investigation or being handled, but no resolution occurred. I was never provided a case number.

Because the charge was not resolved, interest and late fees accrued, and three months of late payments were reported, causing significant damage to my credit. 

On my most recent call ( XX/XX/XXXX, on the weekend ), I was transferred between Customer Service and the Fraud Department. Fraud Department ( her name was XXXX XXXX stated they could not provide a case number and that only the Security Operations Team has authority to resolve the dispute or authorize reversals. I was told that team was closed until Monday morning.

I requested reversal of interest and late fees due to Citibanks failure to resolve the fraud in a timely manner over the last 4 months. The Fraud representative stated that Customer Service said fee reversals could only be approved by the Security Operations Team because the charge is disputed. No temporary relief or corrective action was provided.

I requested that notes be added documenting that Citibanks inaction after timely notice of fraud caused fees, late payments, and credit damage, and that prior escalation requests had been made without resolution. While the representative confirmed notes were added, the charge remains unresolved and the harm continues. 

Citibanks internal departmental limitations and delays should not result in ongoing consumer harm after timely fraud reporting and repeated follow-ups.

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 2026-01-18 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: CO

Complaint narrative:
I am reporting unauthorized XXXX debit card transactions totaling approximately {$8200.00} that I did not authorize, and XXXX  inconsistent and flawed handling of my dispute. 

I discovered the unauthorized XXXX transactions on or around XX/XX/XXXX, and promptly reported them to Chase as unauthorized. I did not authorize these transactions and did not benefit from them. 

XXXX  handling of the dispute has been inconsistent. At various points, Chase XXXX suggested that a refund or partial refund existed or would be applied. However, I never received a merchant refund or partial credit that made me whole. When I called Chase to clarify, a representative stated that no merchant refund was visible and that prior messaging about a refund may have been an error, and the matter was escalated. 

Despite this, Chase subsequently removed funds from my account in stages, XXXX  approximately {$7700.00} and then an additional approximately {$500.00}, totaling the full disputed amount of {$8200.00}. These removals occurred after Chase had acknowledged that prior information regarding a refund may have been incorrect. 

Additionally, Chase coded the dispute reason as didnt receive merchandise or service, which does not accurately reflect the issue. This dispute concerns unauthorized transactions/fraud, not a service or merchandise dispute. 

On XXXX, XX/XX/XXXX, I uploaded a signed written statement to Chase explicitly denying authorization of these transactions and confirming that I did not benefit from them. I waited XXXX business days for reconsideration. During that time, Chase did not acknowledge review of my documentation, did not correct the dispute classification, and did not restore the funds. The claim continues to show as closed. 

XXXX has sent a communication stating that their investigation is resolved on their side, but this does not change the fact that I did not authorize these transactions and that XXXX  dispute handling relied on inconsistent assumptions and contradictory communications. 

As a result of XXXX actions, {$8200.00} was removed from my account for transactions I did not authorize, without a clear, consistent explanation or evidence that my signed denial was reasonably investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL

Complaint narrative:
This complaint concerns an XXXX-year-old XXXX placed into a high-interest medical credit product ( CareCredit/Synchrony ) for a necessary XXXX procedure. 
The financing terms were not clearly explained, and interest began accruing immediately, resulting in significant hardship. 
The consumer is on a XXXX XXXX and can not reasonably afford compounding interest. 
We are requesting : Interest and fee reversal Conversion to a XXXX or XXXXXXXX XXXX plan Protection under XXXX consumer standardsTo Whom It May Concern,

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 2026-01-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OR

Complaint narrative:
This is a duplicate re-reporting of a collection that was disputed and resolved in XX/XX/year>2024. The prior collector failed validation. The new collector has illegally reinserted the same debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Signed up to receive physical card for Paypal Credit ( was virtual previously ) for the same account. They advertised no interest on purchases over {$140.00} for XXXX  months. Now theyre claiming that only works with a paypal credit specific checkout and not with the card number. Again, its the SAME account. In the press release it even says its on other purchases, not only travel related promo. 

Needless to say, this is predatory, deceiving and should be illegal to not CLEARLY disclose exceptions.

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