vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
CBA is falsely reporting on my credit. I have never had any accounts with them. Per my research CBA 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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
SW CRDT SYS is falsely reporting on my credit. I have never had any accounts with them. Per my research SW CRDT SYS 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX billed me {$260.00} for my international call made using XXXX on XX/XX/year>. Such calls with XXXX are free ; I have never used XXXX for international calls, as it is too expensive. XXXX explained that XXXX experienced a technical problem with WiFi, the call was interrupted, XXXX picked it up, and I should pay for it. My question was, if I lost the call with XXXX, why did it not end? Why did XXXX, without my knowledge and permission, take that call? It is their duty to inform customers about what is going on. I called XXXX about this unfair charge, but they were unwilling to discuss it. I am not the only victim of XXXX 's technical insufficiency. On the Internet, I found several newspaper articles and customer complaints about this same issue. This started several years ago. I do not understand why XXXX does not make improvements in its service to solve this problem. XXXX has no right to bill customers for calls placed not with XXXX but with XXXX. Recently I received several letters from Credence Collection Agency requiring me to pay my debt. I called Credence and tried to explain the situation. There was no positive response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was pursuing a refinance of my mortgage through Chase. As part of the process I paid {$650.00} for a property appraisal to Chase, which was conducted on XX/XX/XXXX. 

After experiencing many problems with Chase and their refinance process, XXXX of which was it was being underwritten in the XXXX making communication difficult, I eventually no longer felt comfortable working with them and decided to refinance through my current mortgage company, Mortgage XXXX. 

On XX/XX/XXXX Mortgage XXXX formally requested the appraisal transfer. What ensued was weeks of going back and forth with Chase saying they would provide the necessary documents ( an XXXX version of the appraisal ) and turning around XXXX hours later and saying they would not provide it. 

Chase further claimed the {$650.00} was non-refundable because it was not for the appraisal and was a " good faith payment ''. This was completely untrue as even the Chase XXXX XXXX documents reflect the {$650.00} was for an appraisal and that it needed to be paid prior to closing. 

We eventually had no choice but to have a second appraisal done since the XXXX document was never provided and time was of the essence, leading to additional cost. I have requested Chase refund the {$650.00} that was paid to them as the appraisal that was completed was never able to be used. My phone calls have gone unreturned. 

I have disputed the charge on my XXXX card and am filing this complaint because I feel taken advantage of as a consumer and bottom line what Chase did was not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I deposited a XXXX XXXX  check from XXXX XXXX for {$650.00} after it said it was successful they blocked my account and when I called to verify I was given a hard time and they closed my account with no explanation I gave them legit answers from a legit bank and the legit funder and they still just wrongfully close my account and as for my {$650.00} I have to wait XXXX days to see my money

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 non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: MS

Complaint narrative:
WESTLAKE is falsely reporting on my credit. I have never had any accounts with them. Per my research WESTLAKEis 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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: NC

Complaint narrative:
My identity was stolen, along with {$24000.00} dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Mobile deposited payroll check on XX/XX/year>. Funds were not available following day ( XX/XX/year> ). Called to verify why funds were unavailable, not given a valid reasons as to why. Spoke with manager and was told that I was just going to have to wait 8 days past deposit date for funds to become available. Asked bank to return funds to issuing bank, was told they cant do that. Asked bank to close bank account and was told they can not do that either while funds are pending. I physically went down to the issuing bank and was told that the funds were cleared on their end, explained that to this bank and was told its on a hold. I asked for a specific reason as to why the funds were on a hold and was not given a valid reason.

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 non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
XX/XX/year>. I received a deposit for {$1500.00} around XXXX on the Cash App app. I sent my daughter her allowance at XXXX in the amount of {$100.00}. At XXXX I received a deposit for {$20.00}. That was for my sister. She is XXXX and I apply money on her books for our XXXX aunt whom takes care of her. My card was locked at this time. Around XXXX I went to order a XXXX  to pick my children up. I go to the Cash App app to unlock it. And I am logged out. I try again and now I cant get in the account I immediately contact Cash App. Im very upset because there is no way someone picked me out of everyone in the world that uses Cash App to hack my account and take all of my money. I am a single mother of XXXX children. I am homeless. That was the money to move into a house. I am so upset. The agent had me holding for 30 minutes. By the time the agent came on the line he said my balance was {$360.00}. I verified my account. He said someone had changed my email changed my cash tag and changed the phone number. I asked for all of the information so that I could go to the police station and give them the information. The agent said he couldnt give it to me. At this point I hang up. He could have just got me back into that account after I verified myself. They have my id on file so I could have sent them a picture of my ID and a picture of myself so they would know it was me talking. Thats simple. This agent said people get hacked everyday and lose thousands of dollars everyday we are not responsible for getting the money back of giving it back to you. How?? How are they not held responsible for the hack and privacy of my account. While Im sitting here trying to gain access to my own account I gained access to someone elses account. How I dont know. But if that is how easy it is to just steal an account. That is insane. Cash App should be held responsible for allowing my account to be broken into and all of my funds to be stolen. Yes I believe they should refund my money to me. They claim they make sure our accounts are safe. We trust them with our money. I am going to the news station for an interview regarding this incident I dont want this to happen to anyone else. And I want to prosecute the person that did this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KY

Complaint narrative:
This complaint is with Chime. Im a long time member, XXXX issues until XX/XX/XXXX, fraudulent charges started coming in one after another to my account. 30 charges in less then XXXX minutes. The only way I could make them stop is to cancel the card. Immediately contacted Chime, they approved the first 5 via the app but thats the most I could do on it. The remaining XXXX, I had to contact a person at Chime. 48 hours later, the denied the dispute. I call again, spoke with a different person, he said he could not understand why they denied it and reopened the case. 48 hours pass again, they denied it again. I cant get an answer to why they made this decision. Its XXXX and very common sense that these charges werent normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
Company : Nissan Motor Acceptance Corporation Issue : Incorrect balance / failure to credit payment / sent to collections Complaint : I leased a XXXX Nissan XXXX On XX/XX/XXXX, I purchased XXXX Nissan XXXX XXXX XXXX through Nissans portal ( Order # XXXX ) for {$2100.00}. My bank shows the debit to NISSANUSA.COM on XX/XX/XXXX. 

Despite this, Nissan later claimed I owed {$5600.00} in excess mileage and sent the account to XXXX XXXX. A Nissan agent ( XXXX ) confirmed my XXXX purchase on XX/XX/XXXX and said it would be corrected. 

After I disputed the charge, the XXXX confirmation and message history were removed from my Nissan portal.

This is a wrongful debt, failure to credit payment, and potential record tampering. I demand correction, withdrawal from collections, and written confirmation of a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding charges financed through Bread Pay for the XXXX XXXX XXXX 

The XXXX XXXX  was marketed and sold as a VIP, individualized coaching program. However, the service I received did not match what was advertised. No individualized training or nutrition plan was provided. Coach interaction was limited to generic check-in emails, with no meaningful one-on-one coaching or personalized guidance. The content and meal plans were generic and widely available online and did not justify the premium price of a VIP program. 

I attempted to resolve this issue directly with the merchant. I requested a refund based on the lack of individualized services. The merchant refused to provide a refund and only offered to freeze or extend the program, which does not address the fact that the service was not delivered as advertised. 
I filed a formal dispute through Bread Pay and am currently awaiting a response. Despite the unresolved dispute, the charges remain active. 

I am requesting that Bread Financial conduct a full review of this dispute and remove my financial responsibility for charges related to a service that was not provided as described/ misrepresented at the time of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM 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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: North American Credit Services
State: FL

Complaint narrative:
North American Credit Services has been calling me monthly, weekly and sometimes 3 times a week. They have been using dozens of different phone numbers to try and trick me into answering their unexpected calls. Like most people, i do not answer phone calls from repeat callers that do not leave messages explaining the reason for their call and especially if they do not leave a person 's contact name and number to speak with directly. They only leave an automated message and never actually leave a human voice message. I have never heard of them nor have i ever received any correspondence from them. They have called before XXXX and after XXXX from numbers my cell phone carrier labeled " Scam Likely '' and i have the call logs to prove it. I have saved every vmail and i have a record of all their phone calls with different phone numbers since XXXX of XXXX and possibly before. I keep blocking their calls and will NOT under any circumstance call them back for fear of fraud or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
My home was damaged by the XXXX XXXX in XXXX in XX/XX/XXXX. My garage and fence were destroyed, the main structure remains standing. The main structure had significant smoke/ash/soot. I received {$38000.00} from insurance for the garage and fence damage. This money was released by Roundpoint Mortgage as it was under the {$40000.00} quick release amount. I subsequently received just under {$60000.00} for the remediation of the smoke/ash/soot damage to the main structure in XX/XX/XXXX. I provided them with the signed contract, the contractor 's affidavit, and the assessment of damage. They sent someone to do a required inspection for release of funds in XX/XX/XXXX. As the report stated the progress was 5 % complete, Roundpoint would not release any funds. This is despite the fact that the structure has been cleaned as per the contract and is well over 5 % complete. It is in fact only awaiting post-clearance test results to verify cleaning was sufficient. I do not have plans for rebuilding the garage at this time. They continue to hold funds amounting to just under {$60000.00}. I owe approximately {$470000.00} on my mortgage and the home is valued at over {$800000.00}. I am not and have never been in default. Despite the fact that the mortgage amount is not in any way compromised, they will not release the funds I need to continue making the home livable again. They also refuse to allow me to speak to supervisors, do not have any information available on the customer portal, and will take minimum of 5-7 business days every time they need to process something. They have held my funds for 5 months and I have complied with all of their requests, but they continue to refuse release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I received a phone call around XX/XX/year> that I had a overdue charge card payment. I told them I had not received a statement, but would have my bank send out a payment that day- they did. A few day later I received the statement in the mail from XXXX post marked the XXXX the due date. When my next statement came in with a finance charge came in I called about having them remove the finance charge. I thought they did, and did not include it in my payment. The next statement there was an additional charge XXXX. I called again and got no where we were talking about less than XXXX dollars. 
I stopped using that CC and told them to close the account. I sent them a letter XX/XX/year> explaining the problem- I don't believe I I should be paying the finance charge for their late mailing. I have not received a reply. The XXXX is now XXXX, and I told them that they could keep my XXXX in reward points, but they keep sending monthly statements

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 non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
I am filing a complaint regarding inaccurate, inconsistent, and unverifiable credit reporting by Jefferson Capital Systems. 

Jefferson Capital Systems is reporting a collection account in the amount of {$640.00} on my XXXX  and XXXX  credit reports. However, this same collection does not appear on my XXXX  credit report, which raises concerns about the accuracy and completeness of the information being furnished. 

Additionally, the account numbers being reported do not match across the credit bureaus. Different partial account numbers are listed for what appears to be the same alleged debt. This inconsistency further demonstrates that the information is inaccurate and not reliably verifiable.

I have not been provided with proper debt validation as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Furthermore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to ensure that all information reported to consumer reporting agencies is accurate, complete, and consistent. 

At this time, Jefferson Capital Systems has failed to provide documentation establishing : Proof of the original creditor Proof of the alleged debt amount Proof that they have the legal authority to collect and report this account An explanation for the mismatched account numbers being reported Due to the inconsistent bureau reporting, mismatched account numbers, and lack of proper validation, I am requesting that this account be deleted from all consumer reporting agencies unless full verification can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
I was in the middle of a loan modification on my final trial period payment and my house was sold at a sheriff auction

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
This account was sold to XXXX XXXX XXXX back on XX/XX/year> showing a balance of {$11000.00} as of XX/XX/XXXX, XXXX but on my credit report it is still showing up and a balance of {$16.00}, XXXX as of XXXX XXXX. 

This is inaccurate and needs to be removed from my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I believe Citibank XXXX has been deceptive in its handling of this situation : XXXX XXXX : Balance {$18000.00} ( XXXX XXXX {$6700.00} ; Balance Transfer {$11000.00} N.B. XXXX XXXX XXXX months@ 6.99 % ; Balance Transfer Due XXXX .99 % going to 18.99 % XX/XX/XXXX : Paid {$460.00} Minimum Payment XX/XX/XXXX : Paid {$11000.00} to pay off Balance Transfer Remaining balance : {$6500.00} ( Close enough to {$6700.00} above that I didn't notice ) I don't receive mailed Statements. 
..... 
XX/XX/XXXX @ XXXX XXXX  : Called Citi XXXX Customer Service to understand why XXXX XXXX disappeared. Explanation : Payment was applied to higher interest rate instrument first so XXXX  XXXX was paid off and Balance Transfer remained active. CSR ( XXXX XXXX offered to check with manager ( XXXX XXXX who told me that, since the transaction was older than XXXX  months, nothing could be done. I pointed out that XXXX  months would be on or about XX/XX/XXXX. XXXX then changed the time period to XXXX  months. I asked how to escalate the issue and was given a P.O. Box in XXXX 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