vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: VA

Complaint narrative:
I attempted to file taxes through Chime and the return was sent back by the IRS due to already being claimed. Upon attempting to adjust my return to successfully file the company told me their tax filing service had shut down. I tried to get the information of my filing which only Chime has and they are not able to get me this information due to the portal being down. I was told to wait until XXXX for this to reopen and this was incorrect as this information was not present anywhere. I have attempted around XXXX times to work with reps and submit complaints to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Climb Credit Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX was deceptive and offered me a student loan through Climb Credit. I thought that is was a traditional loan where they disburse all funds to school. I have graduated and Climb Credit still has not issued 100 percent of funds to ACE. I have a balance with the school and a balance with Climb. When I got behind on my payments with Climb they placed a hold on my transcript. If I could get another job I could not because of transcript hold associated with this loan. This is very unethical. I spoke to Climb Credit and they put me on a XXXX $ per month payment plan that I did pay because it is on auto pay. Climb never cleared my account with ACE. Instead, they placed my account on default. When I called they said that the customer service representative failed to email me form associated with payment plan. The new rep that I spoke to emailed it in Climb Credit portal. I filled it out and they said that I was denied because my loan was already in default. However, I was not in default status when I spoke to original representative and she was able to start a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
b"In early XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX began collecting an alleged\n credit card debt of XXXX on behalf of Barclays Bank\n Delaware for a Mastercard ending in XXXX XXXX XXXX XXXX XXXX, I sent XXXX a formal written debt\n validation dispute via USPS Certified Mail (Tracking No.\n XXXX XXXX XXXX XXXX XXXX XXXX) to their XXXX XXXX MN\n office. USPS tracking confirms the letter arrived at the\n XXXX, MN Distribution Center on XXXX XXXX XXXX XXXX acknowledged receipt by sending a response on\n XXXX XXXX XXXX\n\n Despite receiving my written dispute, XXXX violated\n 15 U.S.C. 1692g(b) by continuing collection activity:\n\n - XXXX XXXX XXXX: sent collection letter while dispute\n was open\n XXXX XXXX XXXX XXXX sent written lawsuit threat demanding\n payment within 10 days\n\n XXXX XXXX XXXX XXXX I sent a second written validation\n dispute to XXXX XXXX AZ office via Certified\n Mail. XXXX received and signed for this dispute on\n XXXX XXXX XXXX confirmed by a signed USPS Return Receipt\n (XXXX XXXX XXXX\n\n Despite receiving my second dispute, XXXX continued:\n\n - XXXX XXXX XXXX sent another collection letter\n - XXXX XXXX XXXX filed a civil lawsuit XXXX XXXX XXXX XXXX XXXX XXXX 32 days after receiving\n my second written dispute, while it remained open and\n unresolved\n\n I also filed a complaint with the XXXX XXXX (Complaint No.XXXX XXXX regarding these same violations.\n\n I have USPS certified mail receipts, USPS tracking\n confirmation, and a signed return receipt card proving\n both disputes were received before XXXX filed suit."

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
This account is reporting on my credit and I didnt authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing this complaint regarding Citibanks refusal to process a legally executed Power of Attorney ( POA ) for an existing account holder. The POA was properly notarized and apostilled in accordance with international authentication requirements. The documents were submitted to Citibank for review. Citibank has refused to honor the POA, stating that the account holders current signature does not match a signature on file from approximately 20 years ago. However : No written denial has been provided. No formal rejection letter has been issued. No internal case number or reference ID has been disclosed. No clear remediation process has been provided. No structured method to update the signature has been offered. The branch manager refused to provide internal reference information, documented notes, or clear next steps. The account holder resides abroad and can not appear in person in the United States. Citibanks refusal without offering a defined resolution path has effectively blocked lawful account access.

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 2026-03-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had automatic payments enabled on my Bank of America credit card account to ensure that at least the minimum payment was made each month. My account had been in good standing prior to this issue. In or around XXXX XXXX, Bank of America disabled my autopay settings without my authorization, likely due to a system transition or inactivity policy. I did not receive a clear notice that my automatic payments would be turned off. As a result, the payment due on or about XX/XX/XXXX in the amount of approximately {$25.00} was not processed. Because I was relying on autopay, I was unaware that the payment had not been made. This caused the account to become 30 days past due and was reported to the credit bureaus. Before I became aware that autopay had been disabled, a subsequent payment cycle was also affected. Once I discovered that autopay had been turned off, I immediately made a payment to bring the account current and contacted Bank of America to resolve the issue. During my call in XX/XX/XXXX, I was informed that autopay had been disabled . However, I was told there was nothing Bank of America could do to correct the negative credit reporting. I did not intentionally miss these payments. I had autopay enabled specifically to avoid this situation. The delinquency occurred because the automatic payment function was disabled by the bank. These reported late payments are now negatively impacting my credit profile.

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 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Our loan servicer just changed to Rocket Mortgage, on XX/XX/26 I went to pay my mortgage like I do every month, I pay {$840.00} and put an extra $ XXXX/mo to the principal. Well the app didnt have a spot to separate the additional to the principal like XXXX XXXX and XXXX have in the past. Ive have tried for 5 days to write, call, chat with Rocket Mortgage. Ive spent over 3hrs on hold several times just to be hung up on or the call ended at XXXX although they close at XXXX. Please request that Rocket Mortgage correctly apply the additional {$200.00} payment to my principal on the date that I paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a XXXX XXXX Checking account for a {$1200.00} bonus, which required a {$25000.00} balance. U.S. Bank incorrectly auto opened two identical accounts instead of one. A {$30.00} fee was charged to the secondary account, which dropped my total balance to {$24000.00}. I have {$25000.00} in total at the bank, but they are using their own system error/duplicate account fee to disqualify me from the {$1200.00} bonus. I requested a fee reversal and bonus protection, but the bank refused.

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 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: WA

Complaint narrative:
I was a tenant at the apartment and I am not disputing that I lived there. However, a {$990.00} rental collection account has been reported to my credit report for alleged floor damage after I moved out. The damage in question was minor and limited to a small area of flooring. It does not reasonably justify a {$990.00} charge. My full security deposit of approximately {$430.00} {$440.00} was already withheld. Charging an additional {$990.00} on top of the entire deposit is excessive and disproportionate to the level of damage. Based on the minor nature of the issue, the total amount being claimed appears unreasonable. I contacted the company and requested proper debt validation and a detailed, itemized breakdown of the charges, including documentation such as invoices, repair estimates, or contractor bills showing how the {$990.00} amount was calculated. The company has not provided any supporting documentation. When attempting to contact the collection agency by phone, I am redirected and prompted to make a payment in order to access account details rather than being provided validation of the debt. This prevents me from properly reviewing or verifying the legitimacy of the charges. I am requesting : Full debt validation, A detailed itemized statement showing how the {$990.00} was calculated, Supporting documentation such as invoices or repair estimates, Correction or removal of any inaccurate credit reporting if the amount can not be properly substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX vs chase, checking account XX/XX/year> Chase account was incurred an unauthorized charge from XXXX on the date. On the date, I did not travel I was home sick with XXXX ( Confined to home ). The amount was {$64.00}. The reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Details are in the written report attached below. Unauthorized withdrawals from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Everest Receivable Services Inc.
State: VA

Complaint narrative:
On XX/XX/year> at XXXX EST, XXXX XXXX, Senior Associate with Everest Receivable Services INC, contacted a family member in an attempt to reach me. During that call, XXXX XXXX identified himself as a representative of a collection agency and stated that the call was regarding a debt I owe and that payment was required. He disclosed that he was contacting me in connection with a collection matter. Under the Fair Debt Collection Practices Act, a debt collector may contact a third party only for the purpose of obtaining location information and may not disclose that the consumer allegedly owes a debt or that the communication concerns a collection matter. Identifying himself as a collection agency and stating that the call was regarding a debt exceeds what is permitted by law when speaking to someone other than the consumer. I am requesting that Everest Receivable Services review this matter for compliance, cease improper third party disclosures, and ensure that its representatives adhere to federal debt collection laws.

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 2026-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Subject : Urgent Mortgage Account Deletion Following Homeowner hazard insurance ( {$14000.00} ) payment complaint! Dear sir/Madam, I am writing to request VA loan documents and formally address a significant issue regarding the deletion of my mortgage account, which appears to have been deleted following a complaint which appears incorrectly in my XXXX. My ticket number was XXXX, I contacted this company via telephone, chat, and message board. I spoke to your representative where they stated that there were two checks written and one was submitted to XXXX ( XX/XX/XXXX ), and the other was submitted to XXXX XXXX XXXX ( XX/XX/XXXX ) in the combined amount of {$14000.00} ; I contacted XXXX and XXXX XXXX XXXX to verify the conflict. I contacted XXXX XXXX XXXX and stated they never received a payment as of XXXX. I changed my homeowner insurance policy to XXXX in XXXX. I requested copies of the checks, but I was denied. I was unable to submit supporting documents via Mr. Cooper website. I submitted the documents via chat but there was no response. My message was forwarded to the specialized research team. The conflict was not resolved. My mortgage account on Mr. Cooper website was active as of XX/XX/XXXX, where I was able to print my mortgage annual statement for the year ending, XXXX, XXXX, and XXXX. I received an email from the servicing provider Rocket Mortgage where I was told to login to Mr. Cooper ; upon login my mortgage account was deleted from Mr. Cooper website. The message board was blocked with an attaching file where I was unable to download, view or print. My escrow account will be evaluated under false amount and there will be an increase in my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridge IT, Inc.
State: MO

Complaint narrative:
Company Name : Brigit ( XXXX XXXX XXXX ) Account : XXXX Acct # XXXX Issue : Incorrect information on credit report Complaint : I am filing this complaint regarding inaccurate and incomplete reporting of the above-referenced account on my credit file. The account is currently reporting as Paid, Closed with a date opened of XX/XX/XXXX and status updated XX/XX/XXXX. I formally disputed this account requesting documentation verifying the accuracy and completeness of the reporting. To date, I have not received competent evidence supporting : A copy of the original signed agreement A full payment history ledger Verification of the accuracy of the Date Opened and Date Closed Documentation authorizing reporting of this account to consumer reporting agencies Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), both the credit bureau and the furnisher are required to conduct a reasonable investigation and ensure maximum possible accuracy of reported information. A generic or automated verification does not satisfy this requirement. If the furnisher can not provide documentation substantiating the accuracy and completeness of this reporting, the account must be deleted pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). This inaccurate reporting is affecting my credit profile, and I am requesting regulatory review and corrective action. I am requesting : 1. Full documentation validating this account, or 2. Deletion of the account from my credit file if such documentation can not be produced. I expect a lawful and timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
XXXX. XXXX XXXX XXXX, TX XXXX RE : Formal Dispute Under FCRA To Whom It May Concern : I am writing to formally dispute inaccurate information appearing on my credit report pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The following account is reporting inaccurately : Ally Financial XXXX Account I dispute this account in its entirety. Under FCRA 611, you are required to conduct a reasonable reinvestigation of disputed information. Please provide verification of : The original signed contract bearing my signature Complete payment history Documentation proving I am legally obligated for this debt Proof of the date of first delinquency Verification that the collection agency has legal authority to collect If you can not provide competent documentation verifying this account, you must delete it from my credit report immediately. Additionally, please ensure compliance with FCRA 623 ( a ) ( 1 ) ( A ), which prohibits the reporting of inaccurate or unverified information. Please send me written confirmation of your investigation results within XXXX days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: DISCOVER BANK
State: TX

Complaint narrative:
- Order delivered date : XX/XX/year>. Amount : {$320.00} Discover Bank Procedural Mismanagement- XXXX XXXX Misclassification and Failure to Transmit Dispute Details Despite being provided with explicit documentation and photos of the empty box on XX/XX/year>, Discover failed to accurately communicate the nature of the claim to the payment processor ( XXXX ). Missing Scenario : XXXX confirmed that Discover never provided information stating the box was empty ; consequently, XXXX was completely unaware of the actual issue during their interaction with the merchant. Generic Labeling : Discover transmitted the claim under the generic category of " merchandise is defective or not as described, '' which failed to address the specific " Missing Items '' claim. Failure to Correct : Although the consumer provided a PDF scenario and photos to the Discover dispute portal, these details were not properly included in the updates or passed to the relevant parties. XXXX. Failure to Enforce the Burden of Proof Discover ruled in favor of the merchant ( XXXX ) despite the merchant failing to address the core evidence of the dispute. Unaddressed Evidence : XXXX never provided the weight of the box at the time of packing, transit, or delivery. Incomplete Response : Targets response consisted only of " Proof of Delivery, '' which was never contested by the consumer, as the issue was that the package delivered was empty. Processor Verification : XXXX confirmed that XXXX never proved the contents or weight of the shipment, yet Discover concluded the transaction met all requirements. XXXX. Negligent Investigation and Refusal to Correct Errors Discovers investigation lasted over XXXX months with no updates, only to result in a " final '' decision based on incomplete data. Contradictory Responsibility : Discover representatives reportedly claimed the consumer must deal with XXXX or the merchant, whereas XXXX explicitly stated that Discover conducted the investigation and made the " final and binding '' decision. Refusal to Reopen : Despite XXXX stating they are willing to reinvestigate if Discover reappeals or reopens the dispute with the updated " empty box '' information, Discover has refused to reopen the case. Confirmed Mistake : A XXXX supervisor verified that the " empty box '' scenario was missing when XXXX conducted their portion of the data gathering, directly due to Discover 's failure to provide that context. ________________________________________ I have provided the necessary documents in this case to stand by : XXXX documents I submitted to discover at the time of Dispute XXXX. Target ( merchant ) response. XXXX. XXXX response XXXX. Final scenario after the decision by discover team.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
On XX/XX/year> I received a call from the XXXX number of cash app the individual told me they were with the cash app fraud department and they verified what I had in my savings what my email was and I told them I wasn't sure they were who they said they were so they sent me a text to verify that they were with cash app so then I believe them they asked for my PIN to my account so they can move the money out of my savings and told me they would put it right back with someone from XXXX was trying to hack my account little did I know I was talking to a scammer who was hacking my account they took {$680.00} out of my savings on cash app put it and transferred the total amount I had in my account of {$690.00} I have sent you screenshots of the person that did the scam to me I did not give them access or authorization to do this I have turned this into Cash app and they are denying my investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
Im using abound remittance services to transfer my money internationally. The app shows the money is delivered but the money is not available with the receiving bank. I have seen lot of other customers complaining about the same issue online. I have the transaction details and the money was supposed to be transferred in 2 weeks and now its over 4 weeks. The app shows money transferred but my receiving bank has not received any money yet for one transaction. The other transaction amount was debited on Monday XX/XX/year>. I have attached both transaction and account statement showing only one transaction completed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation