vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Over the past XXXX  months ( XXXX XXXX ) I had filed XXXX accurate claims to Chase bank XXXX They denied all claims on the XXXX of this month without giving a reason. Each time I call the rep gives a different suggestion as to what I should do. My account is overdrawn almost {$800.00}, and they refuse to reverse the claim although I have supporting evidence that I canceled or returned these items. XXXX extremely frustrated, I have XXXX in a few days and this is the primary card in XXXX, they will not be able to charge it and unfortunately this is the only card I have at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
It is unacceptable to me that wells Fargo is taking so much time to rectify the situation when it just was merely seconds for this fraud to take place. I expect this issue to be taken care of immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had a business account with Chase that was compromised In ANOTHER state. I live in XXXX  and someone tried to compromise my account in XXXX. 

I went into the branch first thing in the morning and reported the issues and was helped my a MANAGER and we called fraud and they AGREED that yes indeed it was a account compromise and agreed to allow the Banker to REPLACE the account. 

After replacing the account, I notice that my Business account is locked again mid day and I have to wait again until the next morning Witch a did and proceeded to go BACK to the same branch same manager where I was informed that EVEN THOUGH the fraud department was able to VERIFY that the activity was NOT PERFORMED by Me witch they verified when they ReOpened the Compromised account the day before I also have attached a copy of my transactions. For the date of XX/XX/year> Witch shows and proves that I was in the state of XXXX  WHILE A COMPROMISE WAS BEING MADE ON MY ACCOUNT IN THE STATE OF XXXX  Now i am being told they have to end my banking relationship due to risk. And I feel thats UNFAIR without proper investigation and ALSO after having a previous fraud rep verify and clarify that I was NOT at fault in that matter I came in and reported and did ALL identity verifications as I was instructed just to be still be denied banking service. Which I feel was bias and racial after speaking to the fraud rep and hearing how he spoke to me and judged my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LendKey Technologies, Inc.
State: NJ

Complaint narrative:
Lendkey -This letter constitutes formal written notice pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 
Cease and Desist Unauthorized Communications and Credit Reporting Accounts : XXXX, XXXX, XXXX, XXXX Credit Reporting Agency Impacted : TransUnion and Experian To Whom It May Concern, This letter constitutes formal written notice pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 
I hereby demand that LENDKEY / Department of Internal FC, including any agents, affiliates, servicers, data furnishers, or third parties acting on your behalf, immediately cease and desist from all further communication with me, except as expressly permitted by federal law. 
This demand applies to all forms of direct and indirect collection activity, including but not limited to : Telephone calls ( live or automated ) Emails or electronic communications Written correspondence Communications with third parties Continued or repeated furnishing, re-furnishing, updating, or verification of information to consumer reporting agencies, including XXXX  The accounts subject to this notice are : LENDKEY / DEPT OF INT FC Account No. XXXX LENDKEY / DEPT OF INT FC Account No. XXXX LENDKEY / DEPT OF INT FC Account No. XXXX LENDKEY / DEPT OF INT FC Account No. XXXX Under 15 U.S.C. 1692c ( c ), once a consumer provides written notice demanding cessation of communication, a debt collector may communicate only to : Advise that collection efforts are being terminated ; or Notify the consumer of specific, lawful actions being taken. 
Any continued communication, including credit reporting activity that functions as indirect collection pressure, after receipt of this notice may constitute knowing and willful non-compliance with the FDCPA. 
Please be advised that any further furnishing, updating, reinsertion, or verification of these accounts to TransUnion following receipt of this notice will be documented and may result in formal complaints and/or legal action, including filings with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Office of the State Attorney General Appropriate federal or state courts Nothing in this correspondence shall be construed as an acknowledgment of liability, validation of any debt, or a waiver of any rights, remedies, or defenses. All rights are expressly reserved. 
Please govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: TX

Complaint narrative:
Company name : Portfolio Recovery Associates Account number : XXXX Amount : {$540.00} What happened I am filing a complaint against Portfolio Recovery Associates for reporting a collection account on my credit reports for a debt that does not belong to me. I have never had an account with the alleged original creditor, nor have I agreed to any debt in this amount. Despite the debt being inaccurate, Portfolio Recovery Associates has continued to report this account as a collection every month, causing ongoing harm to my credit profile. 

I formally disputed this debt and requested validation. To date, Portfolio Recovery Associates has failed to provide competent evidence that I am legally responsible for this alleged debt, including any signed contract, application, or proof of ownership. By continuing to report this account without proper validation, Portfolio Recovery Associates is : Reporting inaccurate and unverified information in violation of the Fair Credit Reporting Act ( FCRA ) Attempting to collect and report a debt that is not owed, in violation of the Fair Debt Collection Practices Act ( FDCPA ) Failing to conduct a reasonable investigation before furnishing negative information to credit bureaus Causing ongoing financial and reputational harm through repeated collection reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX received the full payoff of my vehicle loan. As soon as I became aware that the payoff had been completed, I contacted them to request that the account be updated or removed from my credit report. My request was denied. They told me that I need to wait until the end of the month. 

I find this unreasonable. When I originally purchased the vehicle, the account was reported to the credit bureaus in less than one day. The same level of urgency should now be applied, now that the loan has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I had a massive amount of fraud on my account earlier this year see my other complaint ( XXXX ) and was notified this morning that my account is restricted and under review. They would not give me any other details, but after speaking with others, I was told it could be months without a resolution. Currently I dont even have the option to close the account or do anything. 

I am confused why I am being punished for having fraud on my account, and now the safety of my account/credit score is at risk because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: KEYCORP
State: IL

Complaint narrative:
I was issued a prepaid card from KEYBANK I think during Covid and I used it once and never again. I dont know where I have the card, it's been like 5 years, KeyBank sent me a letter saying that I will be charged a XXXX $ monthly fee if I dont use the card. I called the bank and I was on the phone for XXXX minutes without getting my call answered. I believe they've done this purposefully to not answer the calls so they can start charging the customers. The reason I make this complain is to bring this to your attention the fact that the bank doesn't answer the calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
XX/XX/year>XXXX  at approximately XXXX I bought a money order at XXXX XXXX at XXXX XXXX, XXXX, Georgia . The amount was {$750.00} and it was going to XXXX XXXX XXXX XXXX for our son 's group home. The money came from his XXXX account and he is in a XXXX XXXX XXXX. The people at the program lost the money order. I lost the receipt. I was told the money order was lost on XX/XX/year>. I went to XXXX on XX/XX/XXXX or XXXX to try and get the money order 's number so I could ask for a refund. We finally ( after much talking with a Western Union representative for about an hour, me and a XXXX clerk ) got the money order 's number. XXXX. I was told that was all I needed to submit the claim for the {$750.00}. I submitted the claim on the Western Union 's website. I still have not received any refund. When I try to speak to someone from Western Union I still don't get any answers. They tell me to call a different number or their website is under construction for the money orders at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened a claim on XX/XX/year>XXXX  for the amount {$3600.00} ( claim reference number XXXX ) .The transaction in question was the result of fraudulent inducementI was misled and manipulated into sending funds under false pretenses of a legitimate brokerage. Under Regulation E, transfers obtained through deception or fraudulent inducement may be considered unauthorized electronic fund transfers, even if they appear customer-initiated, and should be evaluated accordingly I believe The case was closed without proper investigation. 

The frontline team informed me that Wells Fargo " Will not reopen the case '' even if evidence existed or was submitted because of the XXXX  regulations. I was told the denial was based on XXXX XXXX or XXXX. This is not accurate. Neither XXXX XXXX nor XXXX determines my Regulation E rights, nor do they decide whether my authorization was valid. So I had my case escalated to the Escalated Complaints Office and asked them to perform a correct review expressing I was not given the opportunity to submit my evidence. The bank reopened the investigation after I mentioned regulatory concerns. 

I was not provided any written notice of the denial until I received it on XX/XX/XXXX, despite being told the case was closed on XX/XX/XXXX, which prevented me from timely understanding or responding to the decision. 
On the week of XX/XX/XXXX I called regarding an update on my case to submit my evidence, however was informed when I called that my case was closed and denied on XX/XX/XXXX. I never received any written notification or explanation on the decision. 
When I asked the reason over the phone, they repeated the same reason for denial as the frontline without giving me the opportunity to submit the evidence I had. This raised concerns that the investigation was incomplete and not conducted in a reasonable manner. 

I asked when the notice was sent out and they could not give me a date, and told me they would inform the person working on the case to send the notice again. On XX/XX/XXXX I received the letter of the denial with the same reasons it was denied the first time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: INDEPENDENT BANK CORP.
State: NH

Complaint narrative:
XX/XX/XXXX- XXXX XXXX increased my escrow amount due XX/XX/XXXX on my mortgage to {$1500.00} with out prior notification, subsequently overdrafting my checking account. I made multiple inquiries to my loan officer ( XXXX XXXX ) and the mortgage department with the bank to determine why the increase was made and why I was not notified. I received no answers only that they were going to look into it. 


XX/XX/XXXX - The XXXX bill listed the escrow amount to be deducted from my account to be {$1500.00}. Instead they deducted {$740.00} which supposedly went to the escrow account. I have requested multiple times from the loan officer and from the mortgage department receipt of this payment detailing the exact amounts that went to principle, interest and escrow account amounts. I still have not received an accurate bill or receipt of this payment. I have requested multiple times from XXXX and the customer service department an escrow payment projected schedule for the next 12 months. I still have not received this. 

XX/XX/XXXX - Formal letter sent to XXXX XXXX and customer support department with requests stated ( see attached letter ). XXXX has acknowledged receipt of the letter. I have not received what I requested in the letter. 

XX/XX/XXXX - I paid what XXXX XXXX listed on the XXXX bill for principle and interest. I did not deposit money to cover the escrow amount due to the continued discrepancies and inaccuracies. I have requested the projected escrow account payments schedule for the next 12 months and an accurate statement of the current escrow account multiple times. I still have not received this schedule or accurate account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.I will b seeking litigation in regards to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
enclosed is my complaint in XXXX  form. Simply that they paid my mortgage when it was not there business to do so they also reinstated the escrow as per a representative told me. when i called to complain as to why they paid my taxes and i call as well to pay them back the taxes that they was not to pay in my behalf. By the XXXX XXXX tax assessor one is not late unless it passes XX/XX/XXXX of the following year which would be XX/XX/XXXX. 
but i had sent a check a few days before the end of XXXX of XXXX   then the week of new years i get a letter from them with a receipt saying paid and XXXX XXXX sent back to me with no explanation until i looked at my mortgage account that i put 2 and 2 together here is the loan information Newrez Loan Information - # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: FL

Complaint narrative:
I received a promotional offer from U.S. Bank advertising a {$1000.00} opening bonus for opening a new XXXX XXXX Checking account and completing certain qualifying activities. I enrolled in this promotion, opened a XXXX XXXX Checking account ( an account type I had never held before ), completed all required qualifying activities, and maintained a balance of {$25000.00} in the account for nearly XXXX months without earning any interest. 

Despite fully meeting the stated requirements, I never received the {$1000.00} opening bonus. 

On XX/XX/year>, I contacted U.S. Bank customer service at ( XXXX ) XXXX to inquire about the missing bonus. I was informed that I was ineligible because I am an existing U.S. Bank customer with another account. This explanation is inconsistent with the promotional terms as advertised. The offer explicitly stated that eligibility required opening a new XXXX XXXX Checking account- which I did. At no point did the promotion disclose that existing U.S. Bank customers were excluded. 

Furthermore, if this promotion was not intended for existing customers, it is unclear why the offer was sent to me in the first place. From my perspective, this is misleading and creates the appearance that the promotion was used to encourage customers to open a higher-tier account requiring a substantial minimum balance ( I deposited {$25000.00} ), only to later deny the promised incentive. 

This experience has been extremely disappointing. I expect U.S. Bank to honor the promotional terms as presented and credit the {$1000.00} opening bonus that was clearly advertised and earned. 

I appreciate your prompt review and resolution of this matter. Attached please find the screenshot taken from their official website today which is still advertising the opening bonus but with a higher amount of {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper Mortgage has engaged in repeated loss mitigation misconduct related to the estate property at XXXX XXXX XXXX, XXXX, CA. I am the confirmed Executor and successor in interest for the XXXX XXXX XXXX XXXX and XXXX XXXX. Despite submitting required documentation more than XXXX times since 2021, Mr. Cooper repeatedly mishandled my applications through internal errors, duplicative requests, and inconsistent status determinations. 

I was never notified of a denial allegedly issued on XX/XX/XXXX, nor was I notified of the current foreclosure sale scheduled for XX/XX/XXXX. I learned of both only after calling for an update. Mr. Cooper continues to claim missing successor documentation despite prior confirmation, and they have advanced foreclosure while escalations and reviews were pending. 

This constitutes violations of RESPA ( XXXX C.F.R. XXXX, XXXX ), CFPB servicing rules, and the California XXXX XXXX XXXX XXXX. I am requesting immediate regulatory intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I was out of town and i was having issues with my debit card i called USAA and instead of helping me they just closed my account. When I asked why he stated I had deposited a check from 6months prior that was fraud. I told him that when I got that check I thought it was legit but once i realize it wasnt i called the bank and told them it wasnt and the bank rep told me dont worry just dont touch it and let it process and be rejected. Thats what i did then 6 months later it gets brought up. I got stranded with no money while I was out of town. Fast forward a year later i get a {$320.00} check from USAA stating they have wronged me and the check is for that. I called to see if that means I can open a bank account again and they told me no and said they wont anything else to assist me. How can you send me a check because you knew you werent and still not let me open a bank account thats crazy

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