vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> I had my husband deposit a check into his Bank of America account in the amount of XXXX and they deposited XXXX and then took XXXX out of the check and put it into my negative account that they allowed to go into negatives when I di not have XXXX isnt that account. I do not have overdraft on that account that they let XXXX take that amount out of the acccount in the first place. They have been ruining my life and me financially.

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 2026-02-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a legitimate check for {$830.00} into my account at JPMorgan Chase Bank, N.A. The check has already cleared from the issuing bank. Shortly after, the bank closed my account due to a XXXX check policy. My remaining balance has now been held for over XXXX days and I have not been provided a written explanation, timeline, or disposition of funds. I have repeatedly attempted to contact the bank and requested escalation, but representatives either provide conflicting information or disconnect the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: IA

Complaint narrative:
I have had this credit card for over XXXX years. For a period of time this XXXX XXXX I did not even use the card for several months. When I did use the card I paid off the monthly balance in full. This past month I inadvertently forgot to make my payment. I immediately made a payment and not only paid the payment I forgot I also paid the entire card off. I then received an email stating that my credit limit had been reduced from XXXX to XXXX.I take my credit seriously and I had bought a house XXXX years ago that the seller failed to disclose honestly. I am in the process of starting litigation. I have requested that this account be closed and because of my interactions with them recently and their behavior I no longer trust them to handle themselves appropriately. I need the information to be reported to the agency to reflect that I voluntarily closed this account and that there was no delinquency as there never has been. The closure of this account will have a negative impact on my credit score and I want this on record as companies like this should not be allowed to operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
I live in an apartment complex called XXXX XXXXXXXX XXXX XXXXXXXX I moved from XXXX building to another building a couple of months later I received notification that I owed a debt for a cleaning fee for the apartment I was not aware that I owed I reached out to mutual management who told me that if I paid the bill in full they would completely remove it from my credit report I paid the bill in full and the item is still on all XXXX of my credit reports. Showing that I owe a balance of {$660.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2026 my mobile phone number was unlawfully ported out without my permission through XXXX. As a result of this unlawful act, by financial information was compromised. A charge of {$3000.00} at an XXXX store was obtained through fraud. My Chime credit builder card was used for this purchase. Chime authorized this charge. I am requesting to have my money restored. I have attached a police report and have disputed this charge XXXX times with Chime only to be denied. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
on XX/XX/XXXX I contacted my loan office and advised I would be sending in a payment of {$17000.00} which I wanted applied each month from XXXXXXXX XXXX XXXX thru XXXXXXXX XXXX XXXX. I was advised that would take place once payment was received. I have a taped phone conversation which has been sent over to the XXXX Attorney General office. At no time did anyone contact me until XXXX of XXXX saying my next payment was due. The payment was misapplied which caused over 10k in interest to accrue. If i was told that interest would accrue when I placed the initial phone call I would have taken the XXXX and made payments myself each month instead of XXXX time. I have read horror stories online about AIDVANTAGE. Horrible customer service ... wrong information given to borrowers, misapplied payments, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/XXXX I noticed unrecognized charges on my bank offer going off grid camping. The total amount being {$530.00}, I called Chime immediately to report it and explain that someone was in my bank moving money around but that it was not me, I was off grid, and that I already reset my password, they opened a dispute and on XX/XX/XXXX I got the email that they denied the dispute. I called again, asked them to reopen it, and send me why they did not approve it. They said it would take XXXX XXXX business days for me to receive that information and that I would need to resubmit new information so I as per their recommendation I wrote down the dates, times, and location of where I was as an affidavit and proof I was not on grid and not the XXXX to make the transactions. The dispute was filed on XX/XX/XXXX. They then denied it again and on XX/XX/XXXX I got the email saying that the dispute was denied. So I called reopened it, this time they recommended a police report, so I filed a police report and submitted that to chime, on XX/XX/XXXX, and the dispute was denied on XX/XX/XXXX. The money stolen was apart of my rent money and almost got my family and me evicted. This is a recurring issue with chime, I get hacked, the refuse to refund money, I have lost thousands over the years to them because they deny disputes no matter what proof you provide. My identity was stolen in XXXX and I am still trying to figure out how to fix that. The transactions, case number for the police report, and summary of what I did to try and get funds back are as follows : Police Report Number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$7.00} Summary : Reset Password Called Chime Immediately Opened Dispute # XXXX ( XX/XX/XXXX ) Explained the Situation Opened Dispute # XXXX ( XX/XX/XXXX ) Wrote affidavit explaining where I was with dates, times, and location Opened Dispute # XXXX ( XX/XX/XXXX ) Filed Police Report As of XX/XX/XXXX I am filing this report, filing FTIC Identity Theft Report, and reaching out to the companies that back chime. I am also have a new dispute opened on XX/XX/XXXX so I can submit as many of these as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts 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 2026-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I submitted a XXXX Loan School Misconduct Discharge application after my school was determined to have engaged in misconduct. The lender approved the discharge and cancelled the remaining balances on my private student loans. After approval, the servicer issued a refund only for payments made during the review period ( approximately {$3000.00} ) and retained approximately {$52000.00} in payments made prior to the application date. MOHELA confirms my private loans were discharged due to school misconduct, meaning the debt was invalid. However, they retained over {$52000.00} in payments while refusing to explain how refund amounts were calculated, stating the criteria is confidential and proprietary. I contacted the company requesting a detailed accounting explaining how the refund amount was calculated and why payments made on a loan determined to be invalid due to school misconduct were not refunded. On XX/XX/year>, the servicer responded that refund determinations are based on confidential and proprietary criteria and would not provide an explanation or issue additional refunds. Because the loan was discharged due to school misconduct, I believe payments collected prior to the application date require justification. The company has refused to provide documentation showing how the retained amount was determined or why those payments were not eligible for refund. I am requesting regulatory review because the company has not provided transparent or verifiable information regarding the handling of payments on a loan they determined should be discharged. A lender can not both invalidate a loan due to misconduct and retain consumer payments without a transparent basis. This creates an unjust enrichment situation where the lender benefits from a loan they acknowledge should not have existed. I am requesting review for unfair, deceptive, or abusive practices, as the company has not provided a verifiable justification for keeping payments made on a loan determined to be improperly originated. I request a full accounting of refund calculation methodology and reimbursement of payments collected on the invalidated loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
CAINE & WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE & WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: DE

Complaint narrative:
Self Financial took my {$2400.00} deposit, left {$42.00} balance after unauthorized closure, reported late payments/rebuild to {$360.00}. They BLOCKED my account accessdemand re-verification AFTER taking deposit and closing. No contact info provided. Opened new unauthorized accounts XXXX. No statements available due to their blocks. Credit reports show damage. XXXX violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Both XXXX XXXX XXXX and XXXX XXXX XXXX have faced federal enforcement actions by the CFPB and lawsuits for violations of FCRA and FDCPA, including failing to verify debts before reporting and furnishing false data. Reporting from these entities requires strict verification or deletion. Experian is obligated under FCRA XXXX to reinvestigate within XX/XX/XXXX days, and under XXXX ( b ) to ensure maximum accuracy. Continued reporting of unverifiable data is a violation of XXXX and XXXX. The companies cant verify the debt because they bought the debt illegally.

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 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV Funding LLC is attempting to collect an alleged debt in the amount of {$470.00}. After receiving collection communications, I mailed a written dispute letter to the company on XX/XX/XXXX, disputing the validity of the debt and requesting verification. I did not receive any response. Because I did not receive a reply, I mailed a second written dispute letter on XX/XX/XXXX, again formally disputing the debt and requesting proper validation. As of today, LVNV Funding LLC has not responded to either of my written disputes. Instead, they continue to send collection emails regarding this account. I have made multiple good-faith efforts to resolve this matter in writing, but the company has failed to acknowledge or investigate my dispute. I am requesting that LVNV Funding LLC provide proper debt validation as required by law or cease collection activity and correct any inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: Incomm Holdings Inc.
State: PA

Complaint narrative:
I purchased A Vanilla Gift Visa Credit Card. It was declined when tried to use it online to make a purchase. I called their customer service. I was told that the card can not be used online ; even though it clearly says it can be used to make online purchase on the Vanilla Gift Card website. Their customer service refused to correct the problem. The card balance is {$50.00}. The amount I was trying to charge was {$23.00}. The card was purchased as a {$50.00} credit card more than 24 hours prior to attempting to use. The card can not be returned or refund given. This false advertisement and deceitful business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am filing this complaint regarding a loan issued through Affirm for a XXXX XXXX XXXX that was never performed and could not be medically rendered. On XX/XX/2023, I contacteXXXX XXXX XXXX XXXXXXXX ( XXXX office ) only to inquire about a XXXX and potential scheduling. During this call, a representative named XXXX instructed me to take out a loan through Affirm immediately, stating the rest will get figured out, despite the fact that I had not yet completed bloodwork or received XXXX XXXX On XX/XX/2023, I completed required pXXXX XXXX On XX/XX/2023, my results confirmed I was currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempted to cancel for several days but experienced significant difficulty reaching the office. The XXXX was formally cancelled on XX/XX/2023 due to XXXX XXXX My XXXX later provided formal documentation stating I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This means the XXXX XXXX XXXX XXXX XXXX XXXX XXXX I emailed the merchants billing team ( XXXX and XXXX ) for months requesting a full refund for services never received. Instead, they repeatedly cited a policy about XXXX who subsequently become XXXX, which does not apply to my case because I was XXXX at the time oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing XXXX documentation, proof of cancellation, anXXXX XXXX XXXX XXXX XXXX the merchant refused a full refund and pressured me into accepting only a XXXX XXXX refund while applying the remaining balance as credit toward a XXXX XXXX I am XXXX XXXX XXXX XXXX No services were ever rendered. The procedure waXXXX XXXX XXXX not voluntarily cancelled. I am now still being held responsible for a remaining balance of {$2500.00} tied to a XXXX service that could not be XXXX and was cancelled promptly after mXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Key concerns : XXXX pushed prior to mXXXX XXXX XXXXXXXX never received Documented medical disqualification Merchant refusal to issue full refund Ongoing debt for an undeliverable medical procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CMG Financial Services, Inc.
State: PA

Complaint narrative:
I contacted the company, they explained they did not accept partial payments, I requested a goodwill adjustment since I made multiple payments, and was unaware they were returned. I was unaware until XXXX XX/XX/year>. As soon as the situation was brought to my attention I immediately paid over {$4000.00} to get the account in good standing. My request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am submitting this complaint against Aldous, a debt collection agency, for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have also filed a complaint with the Federal Trade Commission ( FTC ) and a complaint with the Office of the Attorney General regarding this matter.I am submitting this complaint against Aldous, a debt collection agency, for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This account is currently reporting on my credit report as a collection account with a {$0.00} balance, indicating that it has been paid. However, payment does not waive my rights under federal law, nor does it relieve the debt collector of their obligation to properly validate the alleged debt or report it accurately and lawfully. Failure to Provide Debt Validation ( FDCPA XXXX 15 U.S.C. XXXXg ) I formally requested debt validation from Aldous within my legal rights under 15 U.S.C. XXXX ( b ). Despite this request, Aldous failed to provide proper validation of the alleged debt, including but not limited to : Proof of the original creditor A complete payment history Proof that Aldous has the legal right to collect and report this debt Under the FDCPA, once a consumer requests validation, all collection activity must cease until proper validation is provided. Aldous failed to comply with this requirement. Continued Reporting Without Validation ( FDCPA & FCRA Violations ) Despite failing to validate the debt, Aldous has continued to report this collection account to the credit bureaus, which constitutes continued collection activity. This is a violation of : FDCPA XXXX ( b ) Continuing collection activity without validation FCRA XXXX ( a ) ( XXXX ) ( A ) Reporting information without reasonable assurance of accuracy Reporting a debt that has not been validated is materially misleading and harmful to my credit profile. Harassment and Unfair Collection Practices ( FDCPA XXXX & XXXX ) In addition, Aldous engaged in harassing and unfair collection practices, including repeated contact and continued reporting pressure despite my written request for validation. These actions violate : 15 U.S.C. XXXX Prohibiting harassment or abuse XXXX XXXX. XXXX Prohibiting unfair or unconscionable means to collect a debt Inaccurate and Incomplete Credit Reporting ( FCRA XXXX & XXXX ) By continuing to report this account as a collection without providing validation, Aldous is furnishing inaccurate and unverifiable information, in violation of : FCRA XXXX ( a ) ( XXXX ) Requirement to investigate disputed information FCRA XXXX ( b ) Duty to investigate after notice of dispute If a debt can not be validated, it can not legally be reported.

Company response to consumer: Closed with explanation