vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Hello, My name his XXXX XXXX. had a joint checking and savings account with my father, XXXX XXXX, who sadly passed away in XX/XX/year>. 


The joint account number is XXXX. 

I had used that account to make two deposits for a trip to XXXX with a travel company named XXXX XXXX XXXX XXXX. The trip was canceled and I asked for a refund in XXXX. Around XXXX XXXX I received in the mail two cashiers checks from Chase Bank made out in my fathers name in the following amounts : No. XXXX for {$1800.00} No. XXXX for {$720.00} Refund Total of {$2500.00} is owed to me! 

For obvious reasons, I am not able to cash the two checks. have been to a local Chase branch at least 4 times during the past three weeks. I have provided proof of the joint account, submitted my dads death certificate and most recently completed a DECLARATION OF LOST, STOLEN OR DESTROYED CASHIERS CHECK which I had notarized. 
The delay is costing me bank and card late fees. I am writing because I hoping this is being handled as quickly as possible so that I can expect these two checks to be reissued in my name as soon as possible. 

The delay in receiving this refund has caused me emotional distress and multiple bank and other late fees. Please help by correcting the error created by Chase Bank. Late fees and so called courtesy fees total nearly {$300.00}. Chase bank owes me at least {$300.00} to {$500.00} in late fees for this bank error. I would not be in such a deficit had Chase Bank and XXXX XXXX XXXX XXXX done their job right. 

Since then, Chase used UPS to send two reissued checks to me. I was able to receive one for {$720.00}. However, it was badly printed and it took extra time for a XXXX XXXX bank to research the check before I was able to cash it. 

However, UPS lost the other check and I filed a list package complaint. Chase bank refuses to work with UPS to reimburse the lost check. A Chase bank representative informed me that Chase Bank will reissue a a second check AFTER the bank has made sure the check was completely canceled. Two weeks later I and still waiting for Chase to reissue the check. 

The lost UPS package is XXXX Sincerely, XXXX XXXX XXXX XXXX, XXXX. 
( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I received a letter from LoanCare letting me know that effective XXXX, they would be servicing my mortgage. This letter indicated XXXX Bank would no longer be accepting payments after XXXX and that LoanCare would begin accepting payments on XXXX ( see attached letter dated XX/XX/XXXX, from LoanCare ). 

On XX/XX/XXXX, LoanCare withdrew a mortgage payment of {$1000.00} and on XX/XX/XXXX, XXXX withdrew a mortgage payment of {$1000.00}. ( see attached bank statement for XX/XX/XXXX ) On XX/XX/XXXX, I called both companies when I discovered the double debit to my account. At XXXX XXXX EST, XXXX representatives claimed that they were the rightful owner of my mortgage, and that I needed to speak with LoanCare. When I called LoanCare ( XXXX XXXX EST ), they indicated that they were the rightful owners of my mortgage and that I needed to speak with XXXX. I did not have access to my online accounts yet and was advised to wait for that to occur. 

On XX/XX/XXXX, I received a Voicemail from LoanCare indicating that they had information regarding my case and for me to return their call. I called LoanCare back at XXXX XXXX EST, and after a long wait on hold, and a transfer to the resolution team, I was given no further information. 

On XX/XX/XXXX, I received a letter from XXXX indicating that they would be transferring my mortgage to LoanCare beginning XXXX. This is in direct contradiction to the letter from LoanCare dated XX/XX/XXXX ( see attached letter dated XX/XX/XXXX from XXXX ) On Wednesday, XX/XX/XXXX, at XXXX XXXX EST, I called LoanCare. After a long wait on hold, and a transfer to the resolution team, I was advised to email my bank statement showing both payments had been withdrawn from my account to XXXX and they assigned me a case # of XXXX. I went to my bank to get a stamped and signed letter from the bank showing all of XXXX 's transactions and emailed LoanCare. They followed up asking for me to re-send the document in pdf format ( original was attached as a pdf ), so I re-sent the files. This time I received a reply from LoanCare that they were working on the situation and expected a resolution in 7 days. ( see attached copy of email to LoanCare dated XXXX ) On XX/XX/XXXX at XXXX XXXX EST, after not receiving a refund, a response or any information from either mortgage company, I called LoanCare again and went through a long process of holds and transfers when I finally spoke with XXXX. After much discussion and holds, XXXX said that my ticket had been closed though she wasnt sure why. She was reopening it and said that my case manager, XXXX would contact me within 48 business hours. She assured me that I would here back by Monday, XX/XX/XXXX by the end of the business day. I still have not heard back from Loancare.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This morning I received XXXX back to back calls from a XXXX number that was identified as suspected spam on my phone. I answered on the third call concerned that someone was really trying to reach me. The person identified themselves as from Citibank Fraud Services. She explained that someone had place a suspicious charge on my card to XXXX for {$2900.00}. On a card that had been issued to me in XXXX with the last XXXX digits of XXXX with my name I never use for official documents. She provided me a case reference number of XXXX and offered to connect me to their fraud department directly. I told her I would contact my identity security company and citibank fraud using the number on the back of my card. She then said I needed to take action right away. I told her I was on it and hung up. I think contacted Citiback fraud directly. They had no such case reported and said it was a scam. I checked my identity details and my account and nothing appeared. I think I am clear but, wanted to report the issue further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have received a letter in the mail about a Capital One account and I realized it was on my credit report. The account number is XXXX XXXX XXXX XXXX XXXX in the amount of {$4100.00} opened on XX/XX/year> that I did not open and I do not know who did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
A representative from XXXX XXXX XXXX who is apparently handling a debt I allegedly owe to Comenity Capital Bank in the amount of {$320.00} called me attempting to collect the debt at my place of employment. I advised the representative that he had no right or permission to call my place of employment. The representative was rude and asked me where he could call him. I told him he couldn't call me. I already receive emails from this company every week. This " debt '' has been passed around to so many collection agencies over the years that I am not certain it hasn't already been paid off. I will have to trace the papertrail back, but the harassment at work is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The creditor ( Bread Financial-Comenity Bank ) provided a mobile app which I used to update my " autopay '' bank account information on XXXX. I then deleted the old bank information in that same app and took screenshots of those confirmations. XXXX weeks later the creditor ( who did not delete the old bank account info on their end ) used the old bank account - which had been closed by that time- to attempt an auto draft of my payment due. When that payment attempt failed the creditor cancelled the autopay and placed my account in default. I was notified within XXXX hours of this issue. I immediately called their customer service number to assist them with correcting their error which was wholly on their end. They waived the late fee. I paid the balance in full, including any amount due for the next billing cycle, over the phone and made sure they updated my new bank account information at that time. This is a credit card that I have had for more than XXXX  years. They also confirmed that the old bank account number was deleted. In other words, their mobile app failed to properly update their system. I argued that this was an IT problem on their end and not my fault. They charged me interest for the next XXXX billing cycles and a returned check fee that now totals nearly {$100.00} even though I had this account set up on autopay, updated the bank information timely, always paid my balance due in full each month and was never late, ever, in XXXX years. The account is paid in full and I have since asked the creditor to close my account. I sent them a detailed letter dated XXXX, with proof of delivery, disputing the remaining amount due as all remaining amounts total interest and returned check fees that are not my fault, but they have failed to respond to that letter. They did send me a " generic letter '' within a couple of weeks stating that they have tried to call me, they didn't, and that they would like to speak with me. They did not provide any information or a reason for the requested call. I called them, was placed on hold various times. Was transferred from rep to rep over the course of an hour, but no rep at that number given could help me as no rep knew what that letter was for. It was simply a rabbit hole. During that call XXXX rep did tell me that she would credit the returned check fee, but to this date that too did not happen. This company is charging me interest on a balance issue that they themselves created and refuse to admit fault and credit my account accordingly. I am now forced to pay the {$96.00} in my own efforts to avoid having my credit report tarnished over their fraudulent error since they refuse to acknowledge and log my formal dispute. They have been aware of their mistake for more than XXXX months now and they absolutely refuse to fix it, speak with me about it, or respond to my written complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
A representative from Midland Credit Management who is apparently handling a debt I allegedly owe to XXXX XXXX Bank in the amount of {$320.00} called me attempting to collect the debt at my place of employment. I advised the representative that he had no right or permission to call my place of employment. The representative was rude and asked me where he could call him. I told him he couldn't call me. I already receive emails from this company every week. This " debt '' has been passed around to so many collection agencies over the years that I am not certain it hasn't already been paid off. I will have to trace the papertrail back, but the harassment at work is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: SET Financial Corporation
State: SC

Complaint narrative:
There is an account from Set Financial on my credit report that I did not open and I do not know who did. Account # XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/year> with a balance of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All disputed accounts must be reviewed and finalized in accordance with applicable legal standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: KY

Complaint narrative:
I disputed the Spring Oaks Capital account with XXXX by mail. XXXX failed to provide any written results, method of verification, or documentation showing that a reasonable reinvestigation was conducted as required by FCRA XXXX ( a ) ( XXXX ). 

While XXXX deleted certain accounts for lack of verification, it continues to report Spring Oaks Capital without providing any proof of validation, ownership, or investigation. 

XXXX XXXX  failure to respond while continuing to report this account is a violation of the Fair Credit Reporting Act. 

I am demanding that XXXX either provide full written documentation showing how Spring Oaks Capital was verified or permanently delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has grossly mishandled my credit report by allowing a collection account from XXXX XXXX ( Account # XXXX ) to appear without ever verifying its accuracy with me. I never authorized or provided consent for this account to be reported, yet it has been added, causing significant and unjust harm to my credit. Despite submitting a request for validation to the collection agency, including filing a formal complaint with the CFPB on XX/XX/year>, I have received NO response, no signed agreement, no breakdown of the supposed debt, and no evidence that the creditor has the legal right to collect this debt. This is a direct violation of 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, which explicitly mandates that consumers receive proper verification upon request. 

To make matters worse, I was never given a proper opportunity to dispute this account, violating 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Yet, Experian continued to report this unauthorized and unverified account, disregarding my rights and blatantly violating 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) of the FCRA, which prohibits such actions. 

The fact that this same account appears differently across multiple credit bureaus only underscores the glaring lack of consistency and raises serious concerns about Experians verification process. This is a major red flag and highlights a complete failure to comply with the maximum possible accuracy standard required by 15 U.S.C. 1681e ( b ). If Experian cant even get basic information correct across different reporting agencies, then I have serious doubts about their entire verification process. 

Enough is enough. I demand the immediate and permanent removal of this unauthorized and unverified account from my Experian credit file. It has been reported without my consent, without proper verification, and in total violation of the law. The harm it has caused to my credit is entirely avoidable, and I am holding Experian fully accountable for this egregious mistake. This entire ordeal should never have happened, and I am done tolerating Experians blatant disregard for the law and my rights as a consumer. Fix this immediately, or I will pursue further legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Account holder : XXXX XXXX Product : Capital One XXXX XXXX credit card Account ending : XXXX XXXX XXXX XXXX XXXXXXXX ( previously XXXX XXXX XXXX XXXX XXXXXXXX ) Transaction date : XX/XX/year> Capital One case number : XXXX Prior CFPB case number : XXXX This complaint concerns the adequacy of Capital Ones response to my prior CFPB complaint and the disclosure standards used during a Capital One Travel booking. 

On XX/XX/year>, I booked a flight through Capital One XXXX. During checkout, I was presented with an option described as applying available credit. The term credit has a materially different financial meaning from rewards points or miles. Based on that representation, I reasonably believed I was applying travel or statement credit. 

Instead, XXXX rewards points were redeemed without clear disclosure or informed consent. Had the checkout screen clearly stated that rewards points would be used, I would not have approved the transaction. 

Capital Ones response to my prior CFPB complaint asserts that customers are given options to use their miles or rewards, but it does not address whether the term credit was used at checkout, whether rewards redemption was clearly disclosed at the moment of selection, or whether explicit opt-in consent for rewards usage was obtained. 

Acceptance of a transaction does not constitute informed consent when the payment instrument is materially misrepresented. Capital Ones response relies on a post-hoc justification rather than addressing the misleading terminology used during checkout. 

Capital One also failed to address my concern that supervisory staff refused escalation and declined to provide identifying information. 

This complaint is not about dissatisfaction with rewards usage. It is about whether Capital Ones checkout disclosures and CFPB response meet informed-consent and consumer protection standards when redeeming rewards points.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: ME

Complaint narrative:
In the month of XXXX I spent over {$700.00} there goes my green status and overdraft protection should roll over to the month of XXXX if I spend {$500.00} or more in this month it rolls over to XXXX if I don't then I no longer get it they're claiming that I only spent {$21.00} in XXXX when I spent well over {$700.00} in XXXX {$700.00} is more than {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Not able to cancel Citibank 's recurring transfers ( {$400.00} per month ) after account being closed and {$1400.00} is missing. 

More Details : I had a Citi brokerage account starting in XXXX ( or earlier ), account ending in XXXX XXXX monthly recurring transfer ( {$200.00} each, {$400.00} in total ) were set up to transfer money from my XXXX checking account to Citi brokerage monthly. 

I closed the Citi brokerage account in early XXXX and transfered all my assets to XXXX ( Brokerage : XXXX ) but the recurring activity set up in Citibank did not stop, still deducting {$400.00} from my XXXX account. 

I indeed visited Citiback branch in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Citibank banker told me the recurring transfer will automatically stop XXXX month after the account being closed and the money will directly go to XXXX. 

However, starting XX/XX/XXXX, I am not seeing the {$400.00} money in XXXX anymore but the still see transfer {$400.00} attempts in XXXX. 


XXXX. Contacted XXXX to stop payment, they said i need to call Citibank. 
XXXX. Citibank did not allow me to dial in because the account had been closed. 
XXXX. Not able to call XXXX, who issue the transfer either because i am not their costumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On I was contacted by a customer which ended up being a scam. 
He wanted me to do an installation in which the total amount of the invoice was for {$5100.00} after he submitted the fraudulent payment via XXXX, the money was deposited to my bank account. He asked me to XXXX back {$2800.00}, which I did. On the very next day, XXXX XXXX XXXX {$5100.00} from my account and also charged me a fee for returned payment of $ XXXX also charged me a fee of {$140.00} for the fraudulent transaction. 
The same day I noticed that it was a scam and I contacted my Wellsfargo bank as well as XXXX. I was told by XXXX that there was nothing they could do on their end. My wellsfargo bank opened a dispute for the {$2800.00} that I XXXX  to the scammers but havent refund it yet.

Im kindly asking for the {$5100.00} to be void and have my {$2800.00} back. 
Thank you

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