vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/year>, around XXXX, charged me for a service that was {$190.00}. There was XXXX transactions sent through Cash App, XXXX transaction with {$99.00} and another with {$100.00}. 
I sent XXXX different transactions to make sure that he wasn't going to run away with the money at first and actually deliver his service. I asked him if he is scamming me and he denied it. I was parked in target 's parking lot ( on XXXX  in XXXX XXXX ) and this man walks up to my car and mentions that I have scratches that he can completely remove. I asked for his business card and social media account and he did not provide me with any information. 
He continued to sell me his service and I ended up agreeing to it. He took no more than XXXX minutes and at first the scratches were gone, but after a couple of minutes later the scratches came back and at this point the guy had left.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: RI

Complaint narrative:
I have an installment loan with OppLoans. I requested assistance due to financial hardship and was offered limited options that I felt pressured to accept to avoid escalation. I made a payment to prevent further issues, but I believe the terms and representations around hardship assistance and repayment options were unclear and unfair. I am requesting review of the lenders practices and how hardship options are communicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am XXXX  and bank at TD bank in Florida. On XX/XX/XXXX I had a meeting with a banker in local branch. I wanted to change my XXXX  mobile phone number that I receive security code text messages on. The banker said he removed phone access and when I next login in would be able to change my XXXX  mobile phone number. This has turned out to be a huge mistake that has locked me out of all online banking and mobile app. Yesterday I called TD bank to receive a code to XXXX number but they refused because my XXXX number is VOIP number not a sim card. My XXXX  number is a real XXXX card number they refused to use to send me a security code to login and today I had another meeting in TD Bank branch and they refused to let me login to my account with my money unless I buy a real XXXX mobile phone number that would cost me {$30.00} just to receive a text code to login. If I can not login I am closing my account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: Weber & Olcese, PLC
State: TN

Complaint narrative:
I disputed this debt with XXXX XXXX XXXX and filed a CFPB complaint ( # XXXX ) on XX/XX/year>. XXXX never responded. Now XXXX & XXXX, XXXX. is attempting to collect the same unverified debt. I requested full validation, proof of ownership, and that collection stop until verified, but they have not provided any documentation. I am concerned they may attempt to report this debt to credit bureaus without verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: TX

Complaint narrative:
I am submitting this complaint regarding unauthorized ATM withdrawals from my Chase checking account.

I discovered multiple ATM withdrawals that I did not authorize. There were approximately twelve withdrawals in amounts ranging between XXXX and XXXX dollars each, totaling approximately {$3100.00} dollars. These transactions are highly unusual and do not match my normal banking activity. 

At all times, my debit card was in my possession and was not lost or stolen. I did not share my debit card or my PIN with anyone and did not authorize any person to access my account. 

After discovering the withdrawals, I immediately contacted Chase Bank and reported the transactions as fraud. A fraud claim was opened, and I was initially informed that the amount would be reimbursed. However, Chase later denied reimbursement solely on the basis that the withdrawals were completed using a PIN. 

Chase did not provide evidence that I authorized these transactions. The denial was based only on the use of a PIN, despite the fact that PIN usage alone does not establish customer authorization.

A Chase representative informed me that the withdrawals were made at a Chase ATM. My bank statements do not show the withdrawal times, and I was not present at any ATM when these transactions occurred.

I have filed a police report to document the unauthorized activity and am requesting that Chase conduct a proper reinvestigation under Regulation E of the Electronic Fund Transfer Act. I believe the denial of my claim was improper and did not meet the requirements of a reasonable investigation. 

I am requesting that Chase reverse the denial and reimburse the unauthorized withdrawals totaling approximately {$3100.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Since XXXX  I had been using an American Express XXXX XXXX XXXX XXXX card and had accrued over XXXX Rewards Points. Abruptly they decided to discontinue the XXXX XXXX XXXX card and change my account to a XXXX XXXX XXXX card. In a chat with them I told them I preferred to keep my XXXX XXXX XXXX card and my Rewards Points. They said there would be a XXXX XXXXXXXX Points statement credit. Last week the card was changed to the undesirable XXXXXXXX XXXX However, there is no statement credit applled to the balance on the new statement AND there was interest charged to that balance. So every benefit I had earned was just stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/scrub>XXXX Truist Bank initiated two pending withdrawals from one of my business checking accounts labeled XXXX XXXX XXXX XXXX XXXX XXXX  in the amounts of {$2700.00} and {$11000.00}, totaling approximately {$13000.00}. 
The account from which these funds were taken belongs to a separate legal business entity that does not owe the debt Truist is attempting to collect. The charged-off credit card debt belongs to a different business entity. There is no guaranty or authorization allowing Truist to seize funds across separate entities. 
I received no written notice prior to this action. Any alleged phone contact was labeled as potential spam and blocked by my carrier and did not constitute valid notice. 
I contacted Truist to dispute this action, but was unable to resolve the issue through their internal channels. The withdrawals remain pending. 
I am requesting that Truist immediately reverse the withdrawals, provide written justification for the setoff, and confirm that no further attempts will be made to debit accounts belonging to non-debtor entities.

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 2026-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: LoanCare, LLC
State: OR

Complaint narrative:
I am submitting a formal complaint regarding LoanCare/XXXX Assumptions Department and the handling of my assumable mortgage, which is now directly impacting the sale of my home. 



I have an accepted offer on my property, which has an assumable mortgage serviced by LoanCare. My buyers agent submitted all required assumption documentation over a week ago. Since that submission, neither my agent nor I have received confirmation of receipt, a status update, or any guidance on next steps. 



I contacted the Assumptions Department and was informed that representatives could not answer basic questions regarding the assumption process. I was instructed to submit a request for a callback and was explicitly told that someone would contact me by the end of day Friday. No one did. 



Since then, I have called multiple times and have experienced : Representatives unable or unwilling to answer questions Rude and dismissive behavior Completely inconsistent and contradictory timelines I have been told : 30 days just to receive an assumption packet 45 days for processing 120 days for completion And most recently, that I should not expect to close for six months These statements are alarming, inconsistent, and unacceptable. The lack of clear information and failure to initiate the assumption process is actively delaying and jeopardizing a pending home sale with a qualified buyer. This delay exposes me to financial harm, including the risk of losing the buyer entirely. 



I am formally requesting the following : Immediate written confirmation that my buyers assumption documentation has been received A clear, accurate, and written explanation of the assumption process and realistic timeline Assignment of a single point of contact within the Assumptions Department An explanation for the wildly conflicting information provided by LoanCare representatives, including the statement that closing could take six months Please consider this a formal servicing complaint. If this matter is not addressed promptly, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and applicable state regulatory agencies. 



I expect a written response within the timeframe required under federal mortgage servicing regulations. 



Sincerely, XXXX XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : 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 2026-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage ( s ) more than once have been transferred to Mr. Cooper. It is the most antiquated, useless company in terms of maintaining its technology stack. I have XXXX confidence in the security of my information. I am unable to make a simple mortgage payment. I can not login to either the app or online in spite of a successful password reset. It found my username, email address and phone number! This company had my social security number!!! XXXX happens every month!!! In a prior experience where my loan was transferred to Mr Cooper, the geniuses there had me paying {$20000.00} of property tax on a XXXX sqft condo. It took me hours/ days to unwind their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: MI

Complaint narrative:
I am filing this formal complaint against XXXX, XXXX XXXX XXXX ( XXXX ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and unethical conduct during legal proceedings in case XXXX. 
Over XXXX XXXX  hearings ( starting XX/XX/year> ), XXXX attorneys failed to engage in good-faith negotiations. Under 15 U.S.C. 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations. By intentionally withholding information about my right to an installment payment plan and focusing solely on XXXX, I believe the attorneys misled me to secure a full judgment for aggressive garnishment. 
As a XXXX XXXX defendant, I was never informed by the attorneys of my rights under 15 U.S.C. 1692g to receive a full validation of the debt. I have recently sent a formal request for a detailed mathematical breakdown of the {$18000.00} balance, including principal, interest, and fees. To date, the firm has failed to provide this information. 
The fact that the court granted my petition for installment payments on XXXX resolution I had to seek independently because the attorneys refused to mention it as an optiondemonstrates their predatory approach. I request an investigation into their failure to provide transparent communication to unrepresented consumers. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: KS

Complaint narrative:
CFPB COMPLAINT Company : Chime Financial , Inc.

I am submitting this complaint regarding multiple debit card disputes that were denied by Chime despite involving unauthorized transactions, non-delivery of goods, and items not provided as advertised. I believe these disputes were denied without a proper manual investigation and without adequate consideration of the evidence. 

The denied disputes are as follows : 1. Dispute # XXXXXXXX XXXX Amount : {$300.00} Transaction Date : XX/XX/XXXX Denial Date : XX/XX/XXXX Issue : This transaction was unauthorized. I did not make this purchase. Additionally, the goods or services advertised on the website were not received, and no proof exists that any legitimate service was provided. 

XXXX. Dispute # XXXXXXXX XXXX XXXX Amount : {$690.00} Transaction Date : XX/XX/XXXX Denial Date : XX/XX/XXXX Issue : I did not receive the watch that was advertised and paid for. The merchant failed to deliver the product, and no valid proof of delivery was provided. 

XXXX. Dispute # XXXXXXXX XXXX XXXX Amount : {$1300.00} Transaction Date : XX/XX/XXXX Denial Dates : XX/XX/XXXX ( original ), XX/XX/XXXX ( reconsideration ) Issue : This transaction was unauthorized, and the merchant also failed to provide the item as advertised. The product did not match the description or specifications shown on the website. The seller misrepresented the product and failed to fulfill the transaction as agreed. 

In all three cases, the merchants failed to provide valid proof of authorization, proof of delivery, or proof that the advertised goods or services were provided. Despite this, Chime denied each dispute. I am concerned that these decisions were made through automated processing rather than a full manual compliance review. 

I am requesting that Chime conduct a comprehensive manual review of all three disputes, provide written justification for each denial, and refund the disputed funds due to unauthorized transactions, non-delivery of goods, and misrepresentation of advertised products.

Resolution requested Refund of disputed amounts Proper investigation Correction of account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: Advantage Credit, Inc.
State: MI

Complaint narrative:
I received my credit report and seen to see a the company said I applied for a credit, which I didn't applied for which I didn't also never did I received A card! Company name Advantage credit , INC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/year> I initiated a wire transfer of {$1000.00} from my savings account at Discover Bank and sent it to a beneficiary at XXXX XXXX. 

The money did not reach the account for a few days so the beneficiary inquired and was told that her account is not set up to receive wire transfers and that the {$1000.00} would be returned to sender. 

The entire week passed and nothing was received in my Discover account. 

I called Discover to initiate a recall request and was informed a few days later that the recall was successful. I still did not receive the funds. 

The beneficiary called XXXX XXXX  and they reiterated that the money was returned to Discover on the same day. 

I called Discover again and asked them to initiate a trace. 

It has now been almost a month and XXXX of the largest banks in the US can not find a mere XXXX USD. Both of them are pointing fingers at each other while my hard earned money is somewhere in no man 's land.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I order online A Frame Dumbbell Rack on a website call XXXX ( merchant Name XXXX ) on XXXX XXXX, XXXX  a charge {$16.00}. XXXX days later, on XXXX, XXXX XXXX  an unauthorized charge from XXXX {$310.00}, {$310.00}, {$340.00}, {$370.00}, {$380.00}, {$380.00}, {$380.00}, {$390.00} and {$390.00}. The total amount fraud charge {$3300.00}. I try to contact them by phone, the company phone is no answer, customer support is non-existing and email never reply back. The website outdoorissimo.com are extremely negative and the website is a scam. Unauthorized charge, Non-delivery goods and fraud tracking sites. A local XXXX XXXX XXXX police department was report on XX/XX/year> fraud charge and case number XXXX. I dispute with TD BANK N.A. ( TD CASH XXXX  SIGNATURE CARD. TD BANK CARD denial my claim twice, Can you please help do a charge back from a Merchant to my TD XXXX  SIGNATURE CARD. Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: NV

Complaint narrative:
I recently reviewed a copy of my credit report and found several accounts that are a result of identity theft and do not belong to me. These accounts are affecting my ability to obtain new credit and are not in compliance with the FRCA. Please remove these accounts from my credit report immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
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 2026-01-30 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: DISCOVER BANK
State: TX

Complaint narrative:
I am submitting this complaint to dispute an unauthorized credit account that was opened in my name without my knowledge or consent. The account in question is a Discover Card that was opened on XX/XX/XXXX. I did not apply for, authorize, or benefit from this account at any time. 

This account was last reported on XX/XX/XXXX, with a reported balance of {$7700.00}. I have never used this account, made charges, or agreed to any terms associated with it. The presence of this account on my consumer credit report is inaccurate and is the result of fraud and/or identity theft. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to have inaccurate, incomplete, or fraudulent information investigated and removed from my credit file. Additionally, pursuant to the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Truth in Lending Act, I can not be held liable for unauthorized charges or accounts that were not opened by me. 

I am requesting that Discover Bank conduct a full investigation into this fraudulent account, provide documentation showing my alleged authorization ( including a signed application or verifiable proof of identity ), and permanently remove this account and any associated negative reporting from all consumer reporting agencies. If Discover can not provide proof that I knowingly opened or authorized this account, it must be deleted immediately in accordance with federal law. 

This inaccurate reporting has caused and continues to cause financial harm, including damage to my credit profile. I am exercising my rights as a consumer and requesting prompt resolution, correction, and written confirmation of the outcome of this investigation.

Company response to consumer: Closed with explanation