vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XXXX, I became the victim of a social engineering and impersonation scam connected to a XXXX pet sitting opportunity. The individuals involved pretended to be legitimate clients, XXXX XXXX representatives, and even Chime support/customer service representatives. They convinced me that in order to receive payment through XXXX XXXX, I needed to complete transactions using my Chime account as part of a verification or receipt process. Because the scammers were impersonating financial institutions and coordinating phone calls and messages to appear legitimate, I believed the transactions were real and was manipulated into sending {$500.00}. I immediately contacted Chime, explained the entire situation, and filed a dispute. During phone conversations with Chime representatives, I was told that Chime would help me with this matter and that I could potentially receive a temporary credit by XX/XX/XXXX while the investigation was being reviewed. I provided details regarding the scam and have substantial supporting evidence including screenshots, messages, phone numbers, and screen recordings documenting the impersonation and fraud. Despite this, I later received notice that Chime denied my claim and determined that no error occurred. I am submitting this complaint because I do not believe my situation was properly considered as an impersonation and social engineering fraud case. I am requesting reconsideration, a more thorough investigation, and review of the evidence I have available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The XXXX accounts are all inaccurate and so are the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: Radius Global Solutions LLC
State: PA

Complaint narrative:
Radius Global Solutions LLC Attn : Debt Validation Department Re : Debt Validation Request To Whom It May Concern : I am writing regarding the above-referenced account and your collection efforts. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this alleged debt. Please provide the following information : The name and address of the original creditor ; The total amount of the alleged debt, including an itemization of principal, interest, fees, and any other charges ; Documentation showing that I am legally obligated to pay this debt ; Proof that Radius Global Solutions is authorized to collect on this account ; and Copies of any signed agreements, contracts, or account statements supporting the debt claim. Until proper validation is provided, I request that collection activities concerning this account cease and that all communication be made in writing to the address listed above. This letter is not a refusal to pay, nor is it an acknowledgment or acceptance of liability for the alleged debt. It is a request for validation of the debt. Thank you for your prompt attention to this matter. I look forward to your written response. Sincerely, 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 non-monetary relief
Consumer complaint received 2026-05-28 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: GOLDMAN SACHS BANK USA
State: SD

Complaint narrative:
I am the victim of a travel scam totaling ~ {$800.00} ( {$190.00} XXXX and {$400.00} ) where services were not rendered. Goldman Sachs denied my initial dispute. On XX/XX/year>, I called support to request copies of the merchant 's documentation as guaranteed under the Fair Credit Billing Act ( FCBA ). The representative explicitly denied my request, stated they could not provide the documentation, and refused to provide an email address for compliance. I have recorded this interaction. Goldman Sachs is violating my consumer rights under the FCBA by withholding the merchant 's rebuttal evidence. I want my dispute properly reviewed by a human and a permanent credit applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I am submitting a complaint regarding the servicing and loss mitigation review conducted by Select Portfolio Servicing ( SPS ) concerning my investment property located in NY. On XX/XX/2026, I submitted a mortgage assistance application to SPS. During the review process, the property was temporarily vacant due to tenant turnover. However, the property was subsequently re-rented under a signed six-month lease beginning approximately XX/XX/2026, and the lease documentation was provided to SPS prior to the modification denial decision. Despite this updated information, SPS denied all retention options on XX/XX/2026. The denial appears to have relied on vacancy assumptions or outdated rental income information even though the property had already resumed producing rental income before the decision was issued. In addition, my insurer later informed me that SPS had reported the property as being in foreclosure, which contributed to the cancellation of my insurance policy. At the time, no foreclosure action had been filed in court. I understand the account may have been referred to foreclosure counsel internally, but characterizing the property as being in foreclosure appears inaccurate or misleading under the circumstances. I am requesting that SPS : Conduct an escalated reconsideration review using the updated lease and rental documentation Confirm whether the updated lease information was included in the underwriting and XXXX analysis Provide clarification regarding any communication made to my insurer concerning foreclosure status Review my eligibility for retention-based modification options including capitalization or payment deferral The property has substantial equity and is now income-producing again. I am attempting in good faith to retain the property and resolve the delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
This is a followup to case XXXX with Barclays. This company took an unreasonably long time to look into my case. Throughout that process, it was impossible to get a hold of someone to get timely feedback and check that the company was investigating what was relevant to the case. I had instructed during the first call that I would not be able to take calls at random times, and to communicate by email. The company representative said that was fine, but then every single email sent was from a NO-REPLY address, and so there was absolutely no way for me to address any issues or inaccuracies from those emails. The case ended with the company investigating a different situation than the problem raised. They investigated whether late charges were justified. My issue is that the balance amount should have been adjusted because I had bonus points that were redeemable for a statement balance. The website and app both had unspecified issues that prevented me from redeeming my bonus points. This is what resulted in the late payment because Barclays repeatedly said they were " looking into it and will have a response soon ''. I did not want to overpay, and so I waited, and this eventually went past the due date. Until now, I still have substantial amounts of points that are on the scale of a month 's balance that I CAN NOT redeem and this has not been fixed. Additionally, this investigation has produced no information of value, completely missing the point of the case, and I have lost time and credit score as a result of this Barclay caused debacle.

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 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I am requesting assistance regarding an unresolved Public Service Loan Forgiveness ( PSLF ) buyback request submitted in XX/XX/XXXX. Despite repeated follow-up attempts over approximately 18 months, I have received no substantive status updates or determination regarding my request. I have more than 10 years of certified qualifying public service employment already approved and on file with the Department of Education, including a continuous certified qualifying employment period from XX/XX/XXXX through XX/XX/XXXX at XXXX XXXX, in addition to earlier qualifying public service employment. I have contacted the Department of Education and loan servicing representatives multiple times. One representative stated they had no information available, while another confirmed the request was visible in the system and marked as escalated at the time of submission. However, I was also informed there has been no apparent activity on the request since that time.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: CA

Complaint narrative:
Took a loan 2 months ago and have been payin every week. Ive paid over {$200.00} more than the loan i took out of {$500.00} and i need to pay {$600.00} just to pay it off. Thats over {$1100.00} for a {$500.00} loan in 9 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I have a car loan with GM Financial. Because of financial reasons, I have fallen behind on the account. Gm Financial calls XXXX to 4 times a day, And they leave a message on every call. Also, today ( XX/XX/year> ) they called not only XXXX times today and left a message XXXX times, but they call more than XXXX times in a XXXX day period, and today they called me when they made contact with me XXXX days ago. The representative I spoke to today, ( XX/XX/year> ) Told me they are calling me XXXX times a day because of the delinquency of the account. I explained to him the collection laws which XXXX very familiar with. While I was explaining to him the collection laws, this representative laughed at me, and told me they follow all the collection laws very carefully. I did explain to him that harassment is not specifically defined in the FDCPA, and calling someone XXXX times a day and leaving a message every time is considered harassment. The representative I spoke with, was very disrespectful, continuously talking over me. I have a very serious anxiety disorder, which is triggered by Gm Financials harassing phone calls and the disrespect of the representative that I spoke to today. I did tell him to not reach out to me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: TN

Complaint narrative:
I am filing this complaint regarding continued inaccurate reporting and collection activity related to a disputed medical debt. This account was previously handled and closed under a different collection agency. Despite this, the debt later appeared again under a new collector and continues to be reported on my credit reports. I have repeatedly disputed the accuracy of this account with both the collector and the credit bureaus. I also involved my insurance company, XXXX XXXX XXXX XXXX, directly in this matter. XXXX XXXX XXXX XXXX spoke with the collector and confirmed that I do not owe this balance and that the account was not due as being reported. Despite being informed directly by the insurance company and despite my submission of supporting documentation, the collector continues reporting the account as valid and continues damaging my credit. I have also repeatedly requested an itemized bill and supporting validation documentation. The company previously claimed an itemized bill was attached to its response, but no itemized bill was actually provided to me. Additionally, I experienced concerning conduct while attempting to resolve this matter. A representative identified as XXXX XXXX advised me not to contact the companys legal department regarding this dispute, which I found intimidating and inappropriate while attempting to resolve an actively disputed account. The companys responses continue to avoid addressing the primary issues : * why the account was previously closed under another collector, * why the account continues to be reported after insurance confirmation that no balance is owed, * whether the debt was reassigned or duplicated, * and how a reasonable investigation was conducted after receiving my documentation and insurance information. I believe the continued reporting of this account is inaccurate and harmful. I am requesting : * deletion of the collection tradeline from all credit reporting agencies, * correction of inaccurate reporting, * and documentation demonstrating how the furnisher conducted a reasonable investigation after receiving evidence that this account had already been resolved and/or paid through insurance.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this because Chase XXXX gave me completely false information that ended up costing me {$650.00} out of pocket and over 7 hours of my time. I ran into a XXXX issue while traveling and was stuck outside the US. I immediately called Chase XXXX to see what my options were for my XXXX XXXX flight. The agent told me absolutely nothing could be done. I trusted them. Later, I found out XXXX XXXX charged me a no-show fee because, as it turns out, I did have the ability to change my flight using credit before departure. The Chase agent either didn't check my fare rules or just lied to me. If they had done their job, I could have just changed the flight right then. When I called Chase back to get this fixed, it was a nightmare. I spent over 7 hours on hold over a couple of days. They refused to take responsibility and blamed the airline. The reps were so poorly trained that I literally had to read their own website back to them to prove that I could, in fact, rebook the flight. Because of Chase 's original mistake, I was cornered into paying a {$220.00} change fee, plus they sprang an extra {$430.00} " upgrade '' fee on me just to get the exact same seats I originally had. It was XXXX XXXX, I was facing deportation if I didn't get on a flight, so I had no choice but to pay. When I asked to file a formal complaint about how horribly this was handled, they put me on hold for another hour and offered me XXXX reward points. That is {$7.00}. Chases incompetence caused this entire mess, and they treated my time and money like a joke.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BROKER SOLUTIONS, INC.
State: AZ

Complaint narrative:
New American Funding ( NAF ) has committed gross administrative negligence, unauthorized post-closing loan changes, and severe consumer privacy violations. 1. Unauthorized Financial Alterations & Escrow Violations : My signed Promissory Note is strictly for {$110000.00}. NAF has unilaterally altered my Final Borrower 's Statement to {$110000.00} post-closing without my consent, today, XX/XX/year>. NAF unauthorizedly used my loan proceeds to pay my homeowners insurance company in full, and botched the math by paying them twice. 2. Data Breach and Privacy Violation ( GLBA ) : NAF mailed physical checks to my credit card companies with my full XXXX credit card account numbers printed visibly on the memo lines, exposing me to catastrophic identity theft and financial fraud on XX/XX/year>. 3. Repeated Administrative Failures & Damage to Consumer : My son is on the property title only, not the loan. NAF ignored explicit instructions and repeatedly included his name on wires and checks, causing them to be rejected by multiple financial institutions. Due to NAF 's formatting errors and a XXXX delivery failure, my family was forced to drive over XXXX hours across states XX/XX/XXXX and XX/XX/year>. My husbandwho was released from a XXXX hospital stay that very morningsuffered severe physical distress waiting at a XXXX XXXX to intercept NAF 's delayed check, XX/XX/year>. NAFs continuous errors completely ruined a planned holiday, forcing us to forfeit complimentary casino travel benefits and vacation nights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b'In Late XXXX XXXX, I attempted to use a Bank of America issued credit card in my possession to purchase prescriptions at a XXXX XXXX in XXXX, California. The card was rejected three times (for unknown reasons) and I completed the transaction using another bank card in my pseseeion. The following day, I returned to XXXX XXXX, XXXX for continuing medical treatment on my back. Soon afterward, I received an email from the Bank of America fraud department stating that because my card had been rejected three times, they were issuing me a new card. This new card uas sent to my US address. Since I was in XXXX, I did not take posession of the new card, nor did I activate the new card.\nMy brother in the US confirmed that a sealed envelope, probably containing the card, had been received at my US address. On XXXX XXXX XXXX, I received a notice via email that an attempt was made to use the card, which was blocked by card security. Then on XXXX XXXX XXXX, a charge was allowed on this card to XXXX and appeared on my statement, with a payment due XXXX XXXX XXXX. I had assumed that no charges on this card would be allowed because it had not been activated, nor had I ever taken possession of the card. Complaints filed with the fraud department at Bank of America on XXXX XXXX XXXX and XXXX XXXX XXXX have been ignored as I write this.\nSo, to date, this matter remains unresolved. I formally dispute all charges associated with this replacement card and request:\n1) immediate removal of the unauthorized charge.\n2) written confirmation that i bear zero ;iability.\n3)closure of the compromised card\n4)Preservation of all written records relating to: card issuance, activation attempts, merchant authorization, IP device access, and delivery tracking.\n5)written confirmation that no additional recurring charges will be honored.\nSincerely,\XXXX XXXX XXXX email: XXXX\nlast 4 digits of card in question: XXXX international phone: XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally submitting this complaint regarding inaccurate late payment entries appearing on my credit report. These entries do not accurately reflect my payment history and are causing unjust damage to my credit profile. I am requesting an immediate investigation and the prompt removal of these incorrect remarks without delay.

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 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I made my payment on XX/XX/year> for the month of XXXX and it is showing as late. Reached out to Sofi several times they will not reply to my emails. Because of the prior issue with the due date change they are not responding to any issues I have unless I submit a complaint with the CFPB.

Company response to consumer: Closed with explanation