vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am an XXXX XXXX service member who has had a Chase checking account for approximately XXXX years. For the past XXXX years, I have been eligible for military banking benefits, including waived monthly service fees, but was never informed or placed into the appropriate account. During this time, I was charged approximately {$15.00} per month in fees totaling around {$900.00}. I contacted Chase to request a review and refund of these fees. I was initially offered a full year return then it went to {$15.00} and then after speaking with a supervisor ultimately she denied any refund. I am requesting a full review of these charges and appropriate reimbursement based on my eligibility and the failure to inform me of available military benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
I am disputing a medical debt of {$1400.00} being collected by Ability Recovery Services on behalf of XXXX XXXX XXXX XXXX This debt is invalid. On XX/XX/XXXX, my daughter received XXXX XXXX at XXXX XXXX XXXX XXXX. Following this visit, my insurance provider, XXXX XXXX XXXX XXXX, processed the claim and issued payment. The Explanation of Benefits ( EOB ) confirms that the visit was covered and processed. I never received any bill or invoice directly from XXXX XXXX for any additional charges related to this visit. In XX/XX/XXXX, I was first contacted by Ability Recovery Services regarding an alleged balance of {$1400.00}. This was the first time I became aware of any additional charges. I immediately disputed the debt and provided documentation showing that the visit had already been processed through insurance and that no balance was owed. Prior to Ability Recovery Services involvement, this same alleged debt was assigned to a different collection agency. I disputed the debt with that agency and provided my EOB as proof that the claim had been processed. That agency reviewed the documentation, closed the account, and removed the collection from my credit report. Despite this, the same alleged debt has now been reassigned and is being pursued again. I also participated in a three-way phone call with XXXX XXXX XXXX XXXX and Ability Recovery Services XXXX representative XXXX XXXX XXXX XXXX During that call, the insurance representative confirmed that the visit was covered and paid and that no separate claim was ever submitted by XXXX XXXX for this alleged balance. The insurance representative stated that the provider would need to submit a claim for review, but that it may not be eligible due to timely filing requirements. The collection agency representative stated they would not submit the claim unless payment was guaranteed and continued to pursue collection. This indicates that the provider failed to submit a claim to insurance within the required timeframe and instead sent the account to collections without proper billing. I was never billed directly, and the debt was never properly processed through insurance. Despite being informed of this and provided documentation, Ability Recovery Services continues to attempt to collect on this debt. I am requesting that this alleged balance be removed in full, that all collection activity cease immediately, and that any negative credit reporting related to this account be deleted. This debt has already been reviewed and closed by a prior collection agency after I provided proof it was not valid, and it should not be pursued again.

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 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I opened and funded a Citibank checking account with {$25.00}. On XX/XX/XXXX, two ACH transfers of {$3000.00} each ( total {$6000.00} ) were sent to my Citibank checking account from a XXXXXXXX XXXX XXXX Account belonging to my son. Both transfers were completed successfully and posted to my account without issue. On XX/XX/XXXX, I sent {$1500.00} from my Citibank account via XXXX ( instant payment debit ). That transaction was also completed successfully. Sometime after these transactions, my Citibank account was suddenly restricted without prior notice. When I contacted Citibank, I was told the account was under investigation for potential fraud and that any remaining funds would be mailed to me via check within 60 days. XXXX days passed and I did not receive any check, notice, or written communication. When I attempted to log into my account, I was unable to access it. I later learned that the account had been closed on XX/XX/XXXX. When I contacted Citibank again, I was told that after investigation they determined that I had stolen the funds from my son. This allegation is incorrect. The transfers were authorized and initiated by my son from his XXXX account. We escalated the matter with Citibank representatives and supervisors. Citibank then stated that the originating bank ( XXXX ) must initiate a recovery case or provide a hold harmless agreement before they would release the remaining funds. XXXX has confirmed that they can not initiate a recovery case or issue a hold harmless agreement because the transfers were authorized, settled successfully, and no fraud occurred. A joint phone call was held between a XXXX representative, Citibank supervisor, my son, and myself, during which XXXX reiterated that there was no fraud and no recovery action available on their end. As of today, {$4500.00} remains with Citibank from my closed account. These funds have been held for over four months. Citibank has not provided any written explanation, formal fraud determination documentation, or lawful justification for retaining these settled funds. I am requesting the immediate release of the remaining funds via cashiers check and a written explanation for the account closure and extended withholding of funds.

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 2026-04-20 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: Marlette Funding, LLC
State: MD

Complaint narrative:
This is a debt collector called XXXX XXXX. The contacted my exciting wife about a debt. We have been divorced for 4 years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: Treasure Title Insurance Agency, Inc.
State: MI

Complaint narrative:
I was also charged for parcels I didnt own. " I need help with a in XXXX XXXX XXXX XXXX and a wrongful foreclosure using XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX In which I am XXXX and XXXX XXXX XXXX XXXX & XXXX violated my rights and XXXX over XXXX charged me for XXXX for XXXX XXXX that I didn't own. Then took my house for {$680.00} dollars and sold it for {$17000.00} to XXXX, XXXX XXXX. The XXXX CountyTreasurers staff is saying my home was sold on XXXX auction and get an XXXX attorney. I filled out police reports and notified of XXXX Fair XXXX XXXX XXXX XXXX XXXX with XXXX Act since XXXX was the day the woman came putting all my items out stole my cars in driveway and called the police fabricated things & when police came the cornered me in my house for them and took me physically down in my home after I had been calling XXXX for months about them stalking my property & taking pictures and before a foreclosure was established.Then took me to a hospital but is charging me with assaulting a police & resistance of rest & disturbance of peace and physical assault on Guy named XXXX in my yard clawing he was cutting the grass. These XXXX are apart of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is now spreading all over XXXX XXXX continents causing XXXX XXXX in XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX case surge & lack there of and murders of # landowners. They know that it's a # nuisance. The auction was a private auction in which I repeatedly call XXXX treasurers office and left messages with and sent {$700.00} and was attempting to get the money that was over charged to apply. My XXXX XXXX XXXX XXXX XXXX XXXX. And I'm still listed with XXXX utilities on # treasurer website as delinquent and rightful Owner. XXXX XXXX XXXX XXXX XXXX. I also have minerals rights. I requested who is on the deed and treasurer office staff said they couldn't confirm. I was told that no police reported all my calls made XXXX or inform the intruders to stay away. This is happening all over the globe in need of memorandum by XXXX XXXX XXXX XXXX XXXXXXXX XXXX records all calls for training and educational purposes so let this XXXX text stand for my police report and mitigation for this has caused owners of houses that died defending their rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-20 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/year> someone used my card information at a XXXX which i promptly reported my card lost and chase denied my claim and i was not the person who made the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OK

Complaint narrative:
XXXX XXXX XXXX discontinued credit card processing services through XXXX in XX/XX/XXXX and transitioned to a different processor ( XXXX ) in XXXX XXXX. We reasonably believed the account with XXXX XXXX had been closed at that time. From XX/XX/XXXX through XX/XX/XXXX, XXXX XXXX processed {$0.00} in transactions on our behalf yet continued to withdraw monthly fees from our business bank account totaling {$4700.00}. During this period : No services were provided No billing statements or invoices were delivered No access to the XXXX XXXX system or portal was available No communication was received indicating the account remained active We only became aware of these charges after receiving mailed statements in XXXX and XX/XX/XXXX and contacted XXXX XXXX immediately upon discovery. Additionally, we received a PCI compliance notice indicating the account was still active and non-compliant, with instructions to log in and complete requirements. We did not have access to the system and were not using XXXX XXXX services during this time. XXXX XXXX has since confirmed the account has been inactivated. However, the company has not yet resolved the issue of refunding the fees charged during the period when no services were rendered. We have requested a full refund of {$4700.00} for fees charged from XX/XX/XXXX through XX/XX/XXXX, along with documentation supporting these charges. I have not gotten any response from XXXX XXXX after 3 attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Refusal to honor federal FBI documentation regarding criminal fraud I am filing this complaint because American Express is unjustly holding me financially liable for transactions made to a federally indicted criminal enterprise, despite my providing official law enforcement proof. I am a verified victim of a {$5.00} million multi-state Ponzi scheme orchestrated by XXXX XXXX ( arrested by federal agents on XX/XX/XXXX, for Wire Fraud ). I provided American Express with an official Victim Status Letter from the FBI Boston Division ( dated XX/XX/XXXX ), which explicitly identifies me as a victim of this specific financial fraud scheme. I tried disputing this issue twice. Once thru the normal channels then I escalated my dispute to the American Express CEO 's Executive Office. I was notified by phone that my appeal was denied. Amex is unfairly categorizing a criminal wire fraud scheme as an " authorized civil transaction '' to avoid liability. They are ignoring official Department of Justice documentation and failing to protect their consumer from a known, federally indicted syndicate. I am requesting immediate regulatory intervention to compel American Express to reverse these stolen funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
On XX/XX/XXXX Javitch Block LLC filed suit in XXXX XXXX Ohio XXXX XXXX XXXX seeking {$3600.00} credit card debt owed. XXXX XXXX refused to hear case after I sent court papers stating I was judgement proof I am XXXX XXXX XXXX. my only income is social security and no seizable assets. The Judge sent it to mediation. Javitch Block requested 30 day extension it was denied. A copy of form sent to Javitch Block stating I'm judgement proof and to cease all communication with me or I would file complaint with CFPB. They ignored and continued to send statements of debt demanding payment.

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 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing this complaint against Chime because they denied my dispute without giving me a meaningful explanation or showing that they conducted a proper investigation. I disputed a charge after discovering that the rental truck I used had roaches in it. I made the company aware of the issue, and after using the truck, I experienced roaches in my new home as well. Because of this, I believed the charge was improper or that I was entitled to reimbursement due to the condition of the service provided. I submitted a dispute to Chime and expected a fair investigation based on the facts and circumstances I reported. Instead, Chime denied my dispute without clearly explaining the reason for the denial, what evidence they reviewed, or whether they contacted the merchant and examined the full details of my claim. I was left without transparency, without supporting documentation, and without a meaningful opportunity to respond. My complaint is that Chime failed to provide an adequate explanation for its decision and appears to have denied my dispute without a thorough investigation. As a financial institution handling consumer disputes, Chime should be required to clearly explain its findings and the basis for denying a claim, especially where the dispute involves unsafe or unsanitary service conditions and resulting damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: IL

Complaint narrative:
I am submitting this complaint against LoanCare regarding severe servicing errors and violations of RESPA ( Regulation X ) loss mitigation procedures, which resulted in inaccurate and punitive credit reporting on a mortgage account that is now completely paid in full and closed ( Loan Number : XXXX, Property : XXXX XXXX XXXX, XXXX, IL XXXX ). In XXXX oXXXX XXXX I initiated a loss mitigation/relief application. Instead of processing my application within the federally mandated timeframes, LoanCare failed to exercise 'reasonable diligence. ' They failed to clarify alleged errors with my initial submission and instead repeatedly requested the exact same documents I had already provided. This sheer incompetence and lack of communication artificially dragged the relief process out for months, finally taking effect in XXXX. During this servicer-caused delay, LoanCare continuously and maliciously reported 60-day late payments to the credit bureaus. Penalizing a consumer 's credit profile while the servicer is actively violating RESPA timelines and failing to properly process a loss mitigation application is unacceptable. Because this FHA mortgage is now completely satisfied, paid in full, and closed, I am demanding that LoanCare immediately correct this servicing error by issuing a universal deletion of these inaccurate late payments, or by deleting the entire trade line from my XXXX XXXX XXXX XXXX reports.

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 2026-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
b'Consumer Financial Protection Bureau\nXXXX XXXX XXXX XXXX XXXXn\nSubject: Complaint Against Mortgage Servicer Improper Withholding of Insurance Proceeds (Loss Draft)\n\nTo Whom It May Concern,\n\nI am submitting this complaint regarding my mortgage servicers handling of insurance proceeds issued for repairs to my home.\n\nFollowing damage to my property, my insurance company issued a claim payment to cover flooring repairs. Because my mortgage servicer is listed on the check, the funds were sent to their Loss Draft Department for disbursement. However, the amount they have released is insufficient to begin the necessary repairs.\n\nDespite my efforts to resolve this issue directly, the servicer has not provided a clear explanation of how the disbursement amount was calculated, nor have they outlined a reasonable path for releasing additional funds so that repairs can proceed. My contractor requires a deposit that exceeds the funds currently released, leaving me unable to start the work. This delay may lead to further damage to my property.\n\nAdditionally, I previously filed an insurance claim for roof replacement, which was handled very differently. In that instance, the funds were released in a manner that allowed the repairs to be completed without these obstacles. The inconsistency in how my claims have been handled raises concerns about the servicers process and decision-making.\n\nI have requested:\n\nA clear explanation of the disbursement calculation\nThe requirements to obtain additional funds prior to beginning repairs\nA reassessment and release of sufficient funds to begin repairs\n\nTo date, I have not received a satisfactory response.\n\nThese insurance proceeds were issued specifically to restore my property, and the servicers actions are preventing timely repairs. I believe this may constitute improper handling of funds and request that your office review this matter.\n\nI am seeking the following resolution:\n\nImmediate reassessment of my claim disbursement\nRelease of sufficient funds to allow repairs to begin\nClear and consistent communication regarding any remaining requirements\n\nPlease let me know if additional documentation is needed, such as my insurance estimate, contractor estimate, or correspondence with the servicer.\n\nThank you for your time and assistance.\n\nSincerely,XXXX XXXX XXXX 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
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: OH

Complaint narrative:
Vehicle was purchased from another company which sold it to westlake, without notifying me, continue to make payments, fell on hard times car got repo and they're saying that i still owe XXXX it has truly messed up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( g ) ( XXXX ) there was no evidence Of indebtedness, there was only an agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is void DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian , XXXX and XXXX violated my rights as a consumer under XXXX XXXX XXXX and I needs these accounts blocked and deleted from my credit report within 4 days of receiving this ftc report XXXX fcra XXXX XXXX. Remove XXXX XXXX account XXXX date ; XXXX XXXX XXXX, inquires ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX 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
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX ( g ) ( XXXX ) there was no evidence Of indebtedness, there was only an agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is void DELETE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation