vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
XX/XX/XXXX and XXXX a {$250.00} charge was taken out of my chime checking account. I was at a location purchasing a phone and a {$100.00} transaction posted 7 minutes after this would prove this. I do not know what this transaction is for and have been provided zero proof either from chime or XXXX XXXX as to proof of purchase or services rendered or what the money actually acquired. Chime provided copies of picture of my transaction proof. And my statement as proof of my purchase with zero explanations to what they acquired during the " investigation '' that proved I made the purchase. XXXX XXXX has been unresponsive to my requests for any information regarding this activity. They take my information down and say they will be in touch and never respond. I have attempted contact with XXXX XXXX via phone and via email. Chime has only ever copied and pasted the generic denial response a total of 6 times now and have provided no additional information or proof of their contact with the merchant to validate their claim that I did indeed make this purchase. I have not hired a locksmith for any reason and have not needed one. I rent and locks their would be the owner/landlords responsibility. I have one XXXX vehicle that I own and have the one and only key in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I contacted Chase because I had a CD that was maturing on XX/XX/year>. I spoke to XXXX who told me I could have Chase handle it on the maturity date or I could have XXXX handle it for me. On XX/XX/XXXX XXXX XXXX submitted a transfer request to Chase. It was received with tracking on XX/XX/XXXX. ( XXXX tracking # XXXX ). Chase informed XXXX that the transfer could take up to 10 business days, which would be XX/XX/XXXX. On XX/XX/XXXX I received a message from XXXX that I needed to contact Chase.I do not think I should be penalized for relying on the fact that Chase informed me their process could take 10 business days. I was told that the CD had been renewed at 1.49 % because I was past the 10 day grace period!!!!! Chase stated they never received the request from XXXX, but I can prove they did with the above tracking. After many many attempts to get someone to help from Chase, including two phone calls with the XXXX representative on the other line, XXXX from Chase opened a case ( id # XXXX ). XXXX stated that we would have an answer to the investigation in 3 to five business days. She also took down the tracking number and agreed that Chase had received my request in a timely manner and well within the 10 day grace period.This was also verified by XXXX XXXX Chase supervisor ) the next day. We would have an answer by XX/XX/XXXX. The XXXX representative joined the call with XXXX on XX/XX/XXXX and stipulated our demands. XXXX : The CD rollover be rescinded as they did indeed receive my request on XX/XX/XXXX. XXXX : No penalty be charged for closing the CD and 3 : I be compensated for lost interest on my money. It was to transfer to XXXX at 3.43 % APY 3.49 %. Today I tried to call Chase again as it is XX/XX/XXXX and no response. I would like the calls pulled because they will prove the conflicting narrative I received from Chase and how difficult it was to get someone to actually help. Today I was told that the review could possibly take now 10 days! I went into my local branch today ( XX/XX/XXXX ) and closed the account. I spent an hour with a manager who said he also could not help me. Chase has a process is what I was told, except their process was supposed to end yesterday and still no call today! My penalty was that I received no interest on this money ( {$150000.00} ) since XX/XX/XXXX when it matured. I believe Chase owes me the interest on that money@ 3.43 % since XX/XX/XXXX. I can provide a list of all the people I have spoken to over the course of the last ten days. When I was notified by Chase I acted promptly with multiple calls everyday. On XX/XX/XXXX I finally reached a supervisor who seemed to understand the dilemma, but still would not help. It was not until XX/XX/XXXX that I reached XXXX, who opened the case

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
We knew we had to make some large charges for a vacation that were above our credit limit so we decided to send in an advance payment not remembering from some obscure document sent to us years ago that this would create an issue. Instead of rejecting the bank transfers and notifying us of the issue, Chase accepted the funds ( {$19000.00} and {$20000.00} ) put a 7 day hold on them, and then also DECREASED our available credit from {$25000.00} to {$5300.00}. On XX/XX/XXXX, I made XXXX separate phone calls to Chase to claw back the payments. Got XXXX different answers about the process with XXXX rep saying 1-7 days and the other saying 14 business days to get the money back to our bank account. It took approx XXXX phone calls from XXXX XXXX just to get an explanation of what happened. Only XXXX service rep had a clue. Asked for a call back from a higher up ( everyone claims to be a supervisor ) and no one would escalate. Said I would have to wait for a call back which would take up to 7 business days. In short, Chase has almost XXXX of my money which they will not allow me to use and also decreased my available credit without explanation.

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 when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
My XXXX XXXX credit card was recently transitioned from XXXX to Citi. I went online to schedule my first payment with Citi, and at the end of that process I was asked whether I wanted to enroll in autopay. I selected yes. My payment was drafted from my bank account on the XXXX. My payment due date was the XXXX. What I did not understand at the time was that Citi had also attempted to draft another payment XXXX days earlier. There were not enough funds in my account for XXXX payments to be withdrawn, so Citi charged me a {$27.00} returned payment fee. When I contacted Citi, I explained that I had not intended to make XXXX payments and that the duplicate draft attempt appears to have resulted from confusion during the card transition and autopay enrollment process. Today I saw the {$27.00} fee, so I contacted them again and asked them to remove the fee, but they refused. I am requesting that Citi reverse the {$27.00} returned payment fee. This may seem like a small fee, but it raises a larger concern about how many customers may be affected by duplicate payment attempts or unclear autopay timing during this transition. I believe this was caused by unclear or insufficient disclosure during the online payment and autopay enrollment process. In addition to the above, every time I try to log in to City online, I have to reset my password. They claim it's because there have been multiple login attempts. I was logged in earlier, and they gave me that message on my very first attempt to log back in.

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: 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: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/XXXX of this month I was charged {$220.00} at XXXX XXXX and again for {$240.00} at XXXX XXXX. Both charges came from XXXX gas stations in different cities one from XXXX and one from XXXX, Oklahoma. ( all information will be included in attachments. ) I was in XXXX, Oklahoma purchasing a whiteboard with transactional proof through XXXX that I bought it at XXXX XXXX from a XXXX XXXX and her address is also in the police report. I filed a dispute with my bank on the charges and included the two transaction I mentioned, BUT it also included a couple transactions from XXXX XXXX XXXX that were charges made by me and were not meant to be put into the dispute but were added by mistake. with that being said they denied my dispute. I then appealed my dispute or rather Re disputed the same two charges from XXXX gas station, added four documents, and my dispute was denied again..!! I talked to customer service and asked why it was denied because I 100 % did not make the charges at XXXX gas station and even had my card compromised. ( My bank sent me a new card for free that is metal and I originally had to pay {$50.00} for, and they sent it because they acknowledged that my card had been compromised .. yet they wont acknowledge the charges from the compromised card made at XXXX ! ) Customer service said it might be because I didnt make a police report and so I immediately made a police report, and included all the documentation. This time Chime sent me a personal email where I can upload more than 4 documents and I uploaded beyween 5-10 documents ; including the police report, screenshots of the messages between myself and the person in XXXX who I bought the whiteboard from during the time the charges were made at the two XXXX in different cities. This third time, the dispute was denied AGAIN, even with all of the police report and my documents and statements from the person who have purchased the whiteboard from as well as my screenshot of the phone call I made to XXXX trying to tell them it wasnt me and asked if the charges were made I keep asking customer support why I am being denied and they are being vague and also keep saying via email that its the two original XXXX charges/XXXX charges from the first dispute. But that was two disputes ago!!! They are using it as an excuse not to pay me on the following disputes. THEY DID NOT INVESTIGATE THE FOLLWOING TWO DISPUTES! If they did it would be clear these were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I called multiple times from XXXX XXXX until XXXX XXXX, I spoke with at least six different agent agents. All they would give me is my balance, and What I owe and what date it is due. I requested to speak with someone in the fraud department to verify the activity on my card, instead the girl insisted my balance is high because the late fees pushed me over my credit limit, and then they had to charge an over limit fee. She only would verify one charge in XXXX for {$19.00} and one in XXXX for XXXX dollars. Which together do not equal {$51.00} over my limit. Repeatedly repeatedly asked may I please view my statement online, it is not opening for me when I sign in and they 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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am submitting this complaint against LVNV Funding LLC and Resurgent Capital Services regarding inaccurate and fraudulent information being reported on my consumer credit report. I am a victim of identity theft, and the collection accounts being reported by LVNV Funding / Resurgent Capital do not belong to me. These accounts were not opened, authorized, or used by me in any capacity. LVNV Funding is currently reporting fraudulent collection accounts associated with XXXX XXXX XXXX and XXXX XXXX XXXX on my Experian credit report. These accounts are causing substantial damage to my credit profile, financial reputation, and ability to obtain housing and credit. I have already disputed these accounts and notified the credit bureaus that they are the result of identity theft. Despite receiving notice of my disputes, LVNV Funding and Resurgent Capital continue reporting these inaccurate accounts without providing adequate proof that I am legally responsible for the alleged debts. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are legally required to conduct a reasonable investigation when disputed information is reported as fraudulent or inaccurate. Furthermore, pursuant to 15 U.S.C. 1681s-2, companies may not continue furnishing information they can not properly verify. LVNV Funding and Resurgent Capital have failed to provide : * Signed contracts, * Proof of authorization, * Proof of ownership of the alleged debt, * Or any competent evidence establishing that I entered into these accounts. The continued reporting of these fraudulent accounts after receiving notice of identity theft constitutes negligent and potentially willful noncompliance with federal law. I am demanding the following immediately : 1. Permanent deletion of all LVNV Funding / Resurgent Capital accounts from all consumer reporting agencies. 2. Written confirmation that the accounts have been removed. 3. A full investigation into how my identity was used in connection with these fraudulent accounts. 4. Immediate cessation of all collection activity associated with these accounts. I am attaching supporting identity theft documentation and request that this matter be resolved promptly in accordance with the Fair Credit Reporting Act and all applicable federal laws. If these inaccurate accounts are not removed immediately, I am prepared to escalate this matter further through additional complaints with the Federal Trade Commission, state attorney general offices, and potential legal action for violations of the Fair Credit Reporting Act. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Veros Credit, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding my auto lender and the repossession of my vehicle. I purchased my vehicle with a {$5000.00} down payment and unfortunately experienced temporary financial hardship that caused me to pay my first payment partial I paid {$600.00} instead of {$720.00} The hardship involved emergency family expenses, transportation costs, and financial strain related to my daughters hospital stay. After the repossession, I contacted the lender [ VEROS CREDIT ] to request reinstatement of my loan and attempted to discuss payment arrangements. However, I was informed that the lender would not reinstate the loan because it was my first payment, despite my efforts to resolve the matter. I am requesting that this matter be reviewed because I believe I was not given a fair opportunity to cure the default or work out a reasonable solution before losing my vehicle. I also request clarification regarding my reinstatement rights, payoff amount, fees, and any notices sent concerning the repossession and sale of the vehicle. This vehicle is essential for transportation and supporting my household. I respectfully request assistance in reviewing the lenders actions and practices in this matter. Sincerely, XXXX

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: Closing your account — Can't close your account
Company: Self Financial Inc.
State: TX

Complaint narrative:
I have been trying to close my Credit Builder Account to withdraw my funds since XXXX XXXX. The company 's online portal is blocking manual closure, their chatbot refuses to assist, and the phone number provided tells me I am unable to speak to anyone. They are withholding my funds and refusing to allow me to cancel service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
The information being reported by this collection agency is inaccurate and/or incomplete. I am requesting reinvestigation and deletion of unverifiable information.

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: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
My complaint now is that after messaging the chairman XXXX XXXX about an unauthorized closing of my sons card I just received a call from XXXX XXXX. XXXX XXXX is statementing things never ever said in the conversation I had with the original representative that started this mess. How can he say I said things I never said and she never read the closing acvount statement she never read. XXXX also said I could only get a copy of the call by subpoena. Originally I was wanting them to fix the closing of the account now it is a matter of lies about things I never said and things she did not say, at least not while on the phone with me. I was put on hold several times so what she may have said when I was not on the line I would have no idea. XXXX XXXX said he was listening to the recording while talking to me, how? There was no pause in out conversation for him to listen. He might have been eyeballing a false report but he could not actually be listening to me and/or talking and listening to the recording. Bad things happen, that I can live with, being lied to about what I never said or was told is not something I take lightly. Thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Remex, Inc.
State: GA

Complaint narrative:
I received multiple phone calls from Remex Collection agency stating they were calling on behalf of XXXX XXXX. When I asked for information, I was given the date of service and amount owed, which was fine, but then they went into detail about services rendered while I was there and gave me specifics which violates my patient rights under HIPAA laws. When I said that they were not allowed to have that information due to HIPAA I was told multiple times that I didnt know what I was talking about and apparently I didnt understand the HIPAA laws .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
CFPB Complaint Against TRANSWORLD SYSTEM INC XXXX XXXX XXXX I am submitting a complaint regarding inaccurate and incomplete credit reporting by TRANSWORLD SYSTEM INC regarding the following account : Account Name : TRANSWORLD SYSTEM INC Account Number : XXXX Original Creditor : XXXX XXXX Balance Reported : {$740.00} I believe the information being reported is inaccurate or incomplete. I requested verification of this account and am requesting a full investigation into the accuracy of the reporting. Please provide documentation proving : * the debt belongs to me, * the amount is accurate, * and the company has legal authority to collect and report this debt. If the account can not be fully verified, I request immediate removal from my credit report. I have attached supporting documentation from my XXXX credit report showing the account reporting. Thank you, XXXX XXXX

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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am filing this complaint because I recently received an email from Chase stating that a Chase credit card statement is available online for a Chase Credit Card ending in XXXX. The email shows a due date of XX/XX/2026, a minimum payment due of {$260.00}, and a statement balance of {$290.00}. I did not apply for, authorize, open, activate, use, or benefit from this Chase credit card account. I do not recognize this account and believe it may have been opened or used fraudulently with my personal information. I dispute this account, any charges, any balance, any payment obligation, and any credit reporting connected to it. I am requesting that Chase immediately investigate this as identity theft and unauthorized account activity, close or block the account so it can not be used, remove or reverse all charges, fees, interest, and balances, and confirm in writing that I am not responsible for this account. I am also requesting that Chase delete or correct any reporting to XXXX XXXX XXXX, or any other consumer reporting agency, including any account, inquiry, balance, late payment, delinquency, or negative notation connected to this unauthorized Chase account. I am attaching the Chase email screenshot showing the account ending in XXXX and the statement details so Chase can identify the account. I am also prepared to provide identification, proof of address, a police report, FTC XXXX report, and any credit report page showing the disputed account if requested. Desired resolution : I want Chase to treat this as an identity theft/unauthorized account dispute, close or block the account, remove all balances and charges, delete or correct any credit reporting, stop any collection or payment activity, and send me written confirmation of all actions taken.

Company response to consumer: Closed with non-monetary relief