vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About XXXX weeks ago, American Express opened complaint XXXX in reference to purchase protection claim XXXX, but it has not been resolved. On XX/XX/year>, I followed up via phone call and the Agent representative refused to address and/or resolved the issue. The Agent did confirm that American Express had all the documents necessary to resolve the claim but did not want to provide any resolution date nor updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
The bank is discriminating against me for being a XXXX  and brokers told me I wasnt allowed to withdraw money from my bank account after providing the correct email address, home address, social security number, and phone number. I was also harassed by employees who called the police and told them I was trespassing. This citizens bank is in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this complaint regarding Chase XXXX XXXX failure to issue a full refund for my return flight booked with Chase XXXX XXXX. 

I booked my flight through Chase XXXX using XXXX XXXX  points. My return flight on XX/XX/XXXX, with XXXX XXXX, from XXXX XXXX ( XXXX ) to XXXX ( XXXX ), was cancelled or significantly delayed, making it unusable. As a result, I was forced to make alternate arrangements to return home. 

The value of the return flight was {$650.00}. 

Due to the disruption, I incurred additional out-of-pocket expenses, including approximately {$350.00} for a replacement flight and {$150.00} in ground transportation, which would not have been necessary had the original flight operated as scheduled. 

Since XX/XX/XXXX, I have contacted Chase XXXX multiple times and submitted all requested documentation and proof of the delay on XXXX separate occasions. Each time, I was informed that the documentation had not been received, despite my submission. This repeated failure indicates a breakdown in Chase XXXX  document intake or processing system, which should not be held against the consumer. 

I was recently informed by the airline that a refund was processed ; however, the refund was issued to a card number I do not recognize, and the refunded amount has not been credited back to my Chase account or XXXX XXXX  balance. At no point was my card information verified with me prior to this refund being issued. 

It " s now XX/XX/XXXX- and I " m still waiting for the resolution! I have acted in good faith, complied with all requests, and waited an unreasonable amount of time without resolution. I am extremely dissatisfied with how Chase XXXX XXXX has handled this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
I received a debt collection text message sent to my personal phone number regarding an alleged debt. The name referenced in the message was my brothers in law, not mine. 

Because the message was sent to my phone number, I contacted ( called ) the company to request clarification. I informed them that the phone number belongs to me and asked why my personal number was being used for debt collection related to another individual. 

The company refused to provide any information, stating that the matter was confidential because the name was not mine, while continuing to use my phone number to communicate about the alleged debt. They also refused to explain how my phone number was associated with this account or to remove it from their records. 

I subsequently confirmed with my brother in law that he does not have any debt with XXXX, XXXX, or any related creditor, and he does not have accounts with these entities. 

I am not the debtor, I did not consent to be contacted, and my personal phone number was used improperly for third-party debt collection. This conduct caused distress and raises concerns regarding violations of the Fair Debt Collection Practices Act, including improper third-party contact and failure to correct inaccurate contact information. 

I am requesting that my phone number be removed from all records and that all contact cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Someone is using my identity. I have made police reports an ftc complaints. This has been happening with midland management collections since XXXX. They say they purchased a debt from XXXX  XXXX XXXX XXXX. I never ever opens this account. XXXX XXXX say the account was opens XX/XX/XXXX. I didnt open it. I had a XXXX XX/XX/XXXX. I was home bound for several months with rehab. I didnt make any purchases until XXXX of XXXX when my husband purchased a car. Then my next individual account I opened was the in XXXX. Midland has damaged my credit. They have supplied fraudulent information. According to the XXXX XXXX XXXX, the last payment was XX/XX/XXXX. They show different charge off dates. XXXX XX/XX/XXXX, was then another XXXX XXXX.from my understanding the account should have been charged off XXXX from first delinquency meaning it should have been XX/XX/XXXX. Midland management says date of first delinquency XXXX XXXX. And they purchased the debt XX/XX/XXXX. On my credit report it shows as missed payments to midland and open status. So it keeps reporting like Im missing payments. They also show payments made in XXXX. I dont know who opened this but its not my account. I keep telling them this and disputed since XXXX about this account the credit bureaus keep closing the disputes in two or three days and re opening the collection. There are no less than XXXX complaints to the credit bureaus. This is not my account. Midland management has hurt my credit severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. The opening and closing dates of this account do not match up between bureaus and the errors have made it confusing for me to know the correct information. I have been trying to apply for housing for my father who is XXXX XXXX and this collection is affecting my approval. This is not right and I would like for justice. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: UT

Complaint narrative:
THIS IS MY XXXX, I REPEAT, XXXX  REPORT AND COMPLAINT WITH ULTIMATELY NO RESOLUTION WHATSOEVER. I AM MORE THAN FURIOUS WITH THIS COMPANY. I am reporting that Cash App keeps refusing to escalate a documented extortion case involving now over {$8000.00} in COERCED, FORCED XXXX transactions. I did not voluntarily authorize these payments whatsoever! The suspect has threatened me, and I submitted screenshots and full evidence. Cash App Support agents and managers refuse to escalate my case to Compliance or Legal, They even told me to go to a SEPARATE entity for a Goodwill credit request, despite this involving unauthorized/coerced transactions, which their policies say may qualify for investigation. I have already filed several XXXX reports and will be going again to XXXX XXXX Police Department to get the full extent able to fulfill my request. Cash App REFUSES to provide the standard remedy of a goodwill credit for irreversible cryptocurrency transactions, they keep assuming the same thing of me wanting them to undo the XXXX transactions, NOOOOOOOO, that is not at all what I seek, I SEEK GOODWILL CREDIT for compensation and the financial hardship this has put me through. I am demanding that Cash Apps Compliance and Executive Response Team review this case yet again and provide the compensation needed to resolve this matter. 

P.S. The button to add photos/files is broken, I will provide all the proof once again via a email, I cant attach the photo evidence on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
So this company structured settlement with Nationwide capital call me today about a debt. They said I owe {$3200.00} but that was after I asked. But the first lady that called me was very rude they had already called at first my father. They didn't tell him what it was about but he gave them my number to call wish they did. But then when I was trying to make a payment arrangement with them they said they couldn't make payment arrangements and then she started to bring up my credit history and threaten me with legal proceedings and stating that I have bounced checks with them. And she also and this other lady XXXX also stated they will call my mortgage company that my car they're going to put a lien on my car they wouldn't hear anything about trying to make a payment arrangement on even though I told him I can pay them a little I can't pay them a whole lot at this time. They said they will call my father and tell him about this debt and putting a lien on my vehicle. They wanted to know how I was paying all my bills how much my house is worth how could I afford my car who's taking care of my kids. They're very brutal over the phone. And then even when I asked him to give me a couple days to see what I could do I asked him to give me till Friday they said no I have to come up with the money today to pay a {$960.00} restitution. And if I couldn't come up with it today they would take legal action. And I tried to see like I said about making payments to them that I can afford to pay them but they didn't want to hear about that at all. They said that they would call my mortgage company and inquire about my mortgage payments. They would contact my family. I explained to them that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX But willing to make small payments to get this resolved.

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 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Debt collector DRS has illegally re-aged a collection account and furnished false credit information, resulting in an approximately XXXX drop in my XXXX XXXX. 

As shown in Exhibit C, DRS is reporting this account as newly opened on XX/XX/XXXX, with fabricated terms ( 1 Month ), a false past-due status of XX/XX/XXXX, a balance update of XX/XX/XXXX, and an estimated removal date of XX/XX/XXXX. This reporting creates artificial recency and materially misrepresents the age and delinquency status of the account. 

The debt existed and was delinquent prior to XX/XX/XXXX. Additional documentation shows the same obligation was already being reported as delinquent by XXXX XXXX XXXX as of XX/XX/XXXX. Transferring or selling a debt does not permit resetting the Date of First Delinquency or reporting the account as newly opened. 

Despite receiving my dispute and documentary evidence via certified mail on XX/XX/XXXX, Experian completed its reinvestigation and responded on XX/XX/XXXX stating that this item remained unchanged from our processing of your dispute. The inaccurate information continues to be reported. 

I have not yet received a substantive response from DRS regarding my debt validation request, which was also sent by certified mail on XX/XX/XXXX. Continued reporting of this re-aged account violates the Fair Credit Reporting Act and has caused significant harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX Santander Consumer USA Problem category : Loan servicing / payments / interest Complaint : On XX/XX/XXXX, I spoke with a supervisor on my account, ID XXXX XXXXXXXX, regarding my XX/XX/XXXX payment. The supervisor stated that it was acceptable to make this payment on XX/XX/XXXX, and to just stay updated on my XX/XX/XXXX payment and pay it as soon as I can. The supervisor noted this on my account. 

Today, I spoke with another supervisor, IXXXX XXXX XXXXXXXX ( or # XXXX ), who changed the allocation of my payments, citing that my account is past due. This contradicts the earlier supervisors note and agreement. I was aware and accepted that the account was past due, and the first supervisor also acknowledged this, but the second supervisor ignored the previous arrangement. 

My XX/XX/XXXX payment was applied incorrectly to the XX/XX/XXXX payment. Payments are being misapplied, and I am receiving conflicting instructions from different supervisors, which creates confusion and affects my account balance. 

I am requesting : XXXX. A full transaction ledger and payment allocation history for my account. 
XXXX. All notes and documentation regarding the supervisor interactions on XX/XX/XXXX, and today. 
XXXX. A written explanation of why the first supervisors note was ignored and why payments are being misapplied. 

This mismanagement and conflicting information have disrupted my payment schedule and caused unnecessary confusion. I request that Santander correct my account to reflect the previously promised payment schedule and provide a written explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I am a New Jersey homeowner seeking mortgage assistance through Select Portfolio Servicing ( SPS ). I have been submitting requested documents for my loss mitigation application for several months well over a year to be exact in which at no point was I allowed to make payments because I was told I could not over a year ago now. Despite my repeated and timely submissions, SPS continues to delay review by repeatedly stating that documents are unclear or requesting updated versions only after long periods of inactivity caused by SPS. Everytime I explain my frustrations to representatives itd always a response of yeah this is usually what they do or Ive seen this take years and its always we cant or we dont it has to go to the underwriters as if it is some secret agency that has no type of contact. 

Due to SPSs prolonged delays, repeated document requests, and failure to timely process my application with reasonable diligence, my account has effectively remained in limbo. During this time, I have been unable to make payments while my application has been under review, resulting in my mortgage becoming approximately {$35000.00} past due. This delinquency is the direct result of SPSs servicing conduct and document ping-pong, not a lack of good-faith effort on my part.

SPS has failed to provide a clear, consistent Single Point of Contact as required under Regulation X. I am repeatedly told that my file is with underwriting, yet no one can explain underwritings specific concerns, identify precise document deficiencies, or confirm whether my application is considered complete. I am not provided with meaningful continuity of contact, and each interaction results in different information. 

SPS appears to be improperly preventing my application from being deemed complete in order to avoid the XXXX decision deadline required once a complete application is received. Requests for updated documents are being made solely because of XXXX own delays, causing documents to expire and further prolonging review. 

I have complied with every request in good faith. SPS has not exercised reasonable diligence, has not clearly explained deficiencies, and has caused substantial financial harm by allowing arrears to accumulate while my application remains unresolved. This conduct appears to violate Regulation X servicing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Jim Bottin Enterprises, Inc
State: AL

Complaint narrative:
I am submitting a follow-up complaint regarding XXXX XXXX XXXX XXXX and XXXX for continued debt collection violations after a prior CFPB complaint was closed. 

I disputed the alleged debt in writing on XX/XX/year>, based on material misrepresentation at enrollment. I explicitly asked whether I could cancel my membership at any time without additional charges after providing notice, and a XXXX employee told me that I could. I relied on that representation when signing the agreement. I also requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my written dispute and request for validation, XXXX XXXX XXXX and XXXX continued to send collection emails and left a voicemail requesting payment. At no point has XXXX XXXX XXXX provided written debt validation in response to my dispute. I filed a CFPB complaint regarding this conduct. In their written response to CFPB, XXXX XXXX XXXX stated that all communications had been turned off at my request. 

However, immediately after the CFPB complaint was closed, the company resumed contacting me. On the following day, I received multiple collection emails demanding payment. XXXX message was briefly followed by an email stating it was sent in error, but then another collection email was sent moments later. 

In addition, after my original dispute and CFPB complaint were submitted, the company increased the alleged balance from approximately {$28.00} to {$53.00} without providing any explanation, itemization, or debt validation. 

To date, XXXX XXXX XXXX has not provided any debt validation addressing my dispute. The company has continued collection activity, resumed contact after stating communications were turned off, and increased the alleged balance during an active dispute. 

I am attaching copies of the post-CFPB collection emails showing continued contact and balance increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
WILLIAMS RUSH is falsely reporting on my credit. I have never had any accounts with them. Per my research WILLIAMS RUSH 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: Experian Information Solutions Inc.
State: FL

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 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 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XX/XX/year>, XXXX XXXX XXXX XXXX issued an auto loan payoff check payable to Capital One Auto Finance in the amount of {$24000.00}. 

XXXX XXXX has confirmed the check was negotiated and cleared with a posting date of XX/XX/year>, and has provided official documentation identifying the XXXX XXXX XXXXXXXX XXXX. 

I provided Capital One with front and back images of the negotiated check in XX/XX/year> and repeatedly requested payment research and written confirmation explaining why the negotiated payoff was not applied to my auto loan. 

Capital One acknowledges the check number and amount but continues to state that it can not find the payment. Capital One has refused to provide written confirmation of non-endorsement or documentation showing that it did not endorse or deposit the check. 

As a result, my auto loan remained open, late fees accrued, and negative credit reporting occurred despite the payoff funds being negotiated months ago. 

I am requesting that Capital One either apply the negotiated payoff funds immediately or provide written confirmation of non-endorsement and escalate the matter to a formal fraud investigation, and that all fees and negative credit reporting related to this error be reversed.

Company response to consumer: Closed with explanation