vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
To Whom It May Concern, I am submitting this rebuttal in response to ChexSystems boilerplate reply to my CFPB complaint. ChexSystems response fails to address the substance of my dispute and does not satisfy its obligations under the Fair Credit Reporting Act ( FCRA ). 

ChexSystems did not provide any verification that the information being reported in my consumer file is accurate, complete, or verifiable. Instead, the response relies on generalized policy statements and does not identify the furnisher of the information, nor does it describe the specific procedures used to verify the accuracy of the reported data. 

Pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I formally request ChexSystems provide the method of verification, including : - The name, address, and telephone number of the furnisher ( s ) of the disputed information - A detailed description of how the information was verified - Copies of any documentation relied upon to confirm accuracy Additionally, if any information associated with XXXX XXXX XXXX is being accessed, cross-referenced, or indirectly relied upon by ChexSystems, I request written disclosure of that practice and the specific data used. 

If ChexSystems is unable to provide proper verification as required by law, the disputed information must be deleted immediately. Continued reporting of unverified information constitutes noncompliance with the FCRA. 

I request that the CFPB ensure ChexSystems fully complies with its reinvestigation and verification obligations and provides a substantive response rather than generalized policy language. 

Sincerely, 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 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: WY

Complaint narrative:
On XX/XX/year> I was informed that Radius Global Solutions had responded to my CFPB complaint. In their response, they stated that they had validated the debt. I have attached what was sent to me on the CFPB Website, signed by XXXX XXXX, Vice President, Compliance. As you can clearly see by the " validation '' they sent to me, I am not " XXXX XXXX. XXXX. '' This is a clear violation of the FDCA and my and XXXX XXXX 's rights. Now, I have all of her personal information and go knows where my information was sent.

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 2026-01-12 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: FL

Complaint narrative:
The morning of XXXX XXXX around XXXX in the morning someone from another country hacked into my email XXXX XXXX XXXX com and through that they removed my phone number and directly withdrew {$440.00} from my Chase account and it went through to then pay themselves through a site called XXXX where they even had to pay an international fee to even receive that money. They tried to withdraw another {$98.00} dollars and that XXXX Chase diclined. I have never, not once used this site nor feel the need to use a site that wires money that charges an international fee. They not only tried doing this with this Application, they tried resetting password to a lot of applications that may have my card saved on file like XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX .. ect. 

I eventually found out that outlook had a XXXX step authenticator app that i applied and added to my account and finally was able to remove their XXXX computers they had saved on my account to be able to log in and send scam/fraud emails to so many random accounts trying to get people to click on them. Thats what they tried to use my account for. I have lots of pictures and proofs of them activily rushing to try and reset all my passwords using the email i had access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I disputed a Best Buy credit card account reported by Citibank , N.A . and requested verification under the Fair Credit Reporting Act. 

Citibank and its agent, XXXX XXXX XXXX XXXX, responded by sending copies of billing statements and account documents. However, they failed to provide the Method of Verification required under FCRA 611 ( a ) ( 7 ), including : The name or title of the individual who verified the information The date the verification occurred The specific method used to verify the accuracy with the consumer reporting agencies Providing account statements does not constitute a reasonable reinvestigation or Method of Verification under federal law.

Despite my dispute, Citibank continues to report the account without proper verification. I am requesting that Citibank either provide full Method of Verification as required by law or instruct the consumer reporting agencies to delete the account.

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 2026-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Short version : I hired The Home Depot to install new windows in my home which I purchased on the home depot credit card after months and a lot of time and labor on my part the job was mostly done. I filled a partial dispute based on all of the issues. Home Depot said if it was approved they wouldnt finish the job. Home depot then said it was approved and will no longer return my emails or calls. Then the partial refund was reversed and the credit card company is no longer responding to my comments in the dispute.

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 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I am disputing two alleged debts reported by Midland Credit Management. I requested validation and Midland did not provide any proof as required under FDCPA XXXX. 

The accounts are : XXXX XXXX XXXX XXXX ( ~ {$2100.00} ) XXXXXXXX XXXX XXXX XXXX  ( ~ {$530.00} ) The reporting is inaccurate and inconsistent : XXXX XXXXhows them as open XXXX  as closed XXXX does not report them I disputed with XXXX and they marked the debts as verified in less than two weeks with no documentation or explanation. No validation, contract, account history, or chain of ownership has been provided. 

Midland continues collecting and has filed a small claims lawsuit without validating the debt first. This has damaged my credit score and financial standing. 

I am requesting : Full validation of the alleged debts Method of verification from XXXX and XXXX Deletion if validation can not be provided Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I ran my company payroll through XXXX. An ACH payroll credit was sent to a

JPMorgan Chase account that was closed prior to settlement. I acknowledge that the employee banking inf
ormation provided was outdated at the time payroll was processed. However, the funds were received by Chase and were not returned. 
Nearly four months later, the funds have not been credited back to me. I paid XXXX  {$80.00} for an ACH tracer, which confirms the ACH credit and trace number. 
XXXX states this is Chases issue. Chase has not returned the funds. I submitted written escalations to both companies via their online portals on XX/XX/year> and received no response. 
Under NACHA ACH rules, recovery of unreturned payroll credits must be initiated and managed by the originator through its bank. The funds appear to be held in a suspense or exception account with no resolution. 
I am requesting return of the funds, written explanation for the delay, and reimbursement of the tracer fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: Selene Holdings LLC
State: NJ

Complaint narrative:
My mortgage servicer, Selene Finance, mishandled my loss-mitigation review in a manner that appears to violate XXXX XXXX  XXXX, Regulation XXXX, and New Jersey foreclosure XXXX. This misconduct has resulted in an improper foreclosure posture and multiple scheduled sheriffs sales in XXXX XXXX, NJ. 

For approximately XXXX  months, Selene Finance repeatedly told me that my loan modification review was active and ongoing. During this time : XXXX told me I could not make payments during review and then refused or returned payments when I attempted to make them. 
XXXX repeatedly requested the same documents, even after receiving them multiple times. 
XXXX caused extreme delays and never performed a timely or accurate evaluation. 
The eventual denial was based on incorrect financial information that I did not provide. 
XXXX continued advancing foreclosure and scheduling sheriff 's sales while still claiming my modification was under reviewthis appears to be illegal dual-tracking under Regulation XXXX. 
XXXX 's delay and refusal to accept payments artificially caused the arrears and prevented me from reinstating earlier. 
I am asking the CFPB to : Require Selene Finance to suspend all foreclosure and sheriff sale activity. 
Initiate a full investigation into XXXX servicing errors. 
Require XXXX to correct the errors and reopen a lawful loss-mitigation review. 
Require XXXX to provide copies of servicing notes, payment history, XXXX  calculations, internal worksheets, and documentation used in the denial decision. 
XXXX actions have caused severe harm, created wrongful arrears, and put my home at risk of unlawful foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I tried calling Bank of America, they never pick up the phone and when they did and saw I was trying to close my account they hang up on me. I moved out of the country and even mailed a letter to close my account, yet they refuse to close my account which is XXXX and keep on charging me maintenance fees.

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 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have a auto loan that I have been paying on since XX/XX/XXXX. I have had some difficulties making my payments and recently went into a payment agreement with Capitol One auto finance. The agreement was to make a XXXX on XX/XX/XXXX. I did that however made a mistake of paying the payment on an old account that was closed, and when I realized what happen Immediately made the payment with my debit for XXXX on XX/XX/XXXX. the agreement was to make a XXXX payment for the nexXXXX XXXX XXXXXXXX percent on the XXXX of each month. I am prepared to fulfill this agreement, however at this time capitol one is saying that the agreement is no longer on the table and kept the XXXX payment I made. In XXXX I needless to say was a rough year. I have been struggling but recently got a promotion. also I want to to say that the car I have with capitol one has been a money pit and is currently not running but I want to pay my loan but cant afford the regular payment. I am trying to also rebuild my credit at this time but I cant caught this loan up but I can pay the XXXX a month that they offer to me. if you could please help with this agreement that will help me a lot. Thanks for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
My credit report states that I have an open account with PAYPAL CREDIT. I NEVER open this account, I dont even use PAYPAL . I want this taking off my credit report. They state I owe the {$900.00} sum dollers I dont even use them. I just started with my credit I dont want bad credit. Please help me. I tried to dispute it several times they keep refusing to dispute my claim. I need some help please in thank you so kindly

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 2026-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Arena Investors, LP
State: MS

Complaint narrative:
I was contacted by phone after I asked them not, about a collection that isn't mine, insurance and XXXX where responsible for I'm on XXXX an a fixed income and couldn't pay even if the debt was mine.The adverse effects of this is keeping me from using my credit which is badly needed because of my physical XXXX, ,to get housing or transportation... please remove so I may get on to some kind of normal existence

Company response to consumer: Untimely response
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Santander Consumer USA charged off my auto loan on XX/XX/XXXX without notifying me. On XX/XX/XXXX, Santander accepted my payment through its online portal without disclosing that the account was charged off, accelerated, or subject to repossession. At the time of payment, the portal displayed the account as active and payable and did not indicate any repossession or default status. 
On XX/XX/XXXX, Santander sent a text message stating that my vehicle was subject to repossession. This was the first notice I received that the vehicle was at risk of repossession. I did not receive any Notice of Default, Right-to-Cure notice, acceleration notice, or Notice of Intent to Repossess prior to this communication. 
On XX/XX/XXXX, I spoke with Santander representative XXXX ( Customer Service ID XXXX ). She confirmed that the account was charged off on XX/XX/XXXX and that the vehicle was placed into repossession status on XX/XX/XXXX, which was six days after Santander accepted my XX/XX/XXXX payment. 
Santander therefore accepted payment after charge-off and subsequently placed the vehicle into repossession status without providing any prior notice or disclosure. Santander also reduced the delinquency from 120 days past due to 104 days past due after accepting my payment, confirming that the payment was applied to the account. 
I also spoke with multiple other Santander representatives on XX/XX/XXXX. Those representatives provided inconsistent and contradictory information regarding notice and repossession status. One representative stated that a Right-to-Cure notice was allegedly sent in XX/XX/XXXX ; however, Santander continued to accept payments and allowed the account to remain active and payable through XX/XX/XXXX with no acceleration or repossession warning. If any Right-to-Cure notice was sent, Santanders continued acceptance of payments without restriction or disclosure voided any prior notice. 
Santander representatives also disconnected multiple calls when I disputed the legality of placing the vehicle into repossession after accepting payment without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I made a purchase on XX/XX/XXXX on XXXX, using PayPal as the payment processor for my credit card payment. The payment was for {$62.00} for goods purchased from XXXX. 

When I recently went to check my credit card statement for XXXX, I saw that the purchase had been coded improperly by PayPal as a cash advance, incurring a {$10.00} cash advance fee as well as {$0.00} in interest. As the purchase was made for goods and services, it should not have been coded by PayPal as a cash advance. At no point in the payment process did PayPal indicate that they would code the transaction as a cash advance. 

I reached out to PayPal on XX/XX/XXXX, with the above information and attachments showing my purchase on XXXX processed by PayPal, as well as my credit card statement showing the PayPal transaction coded as a cash advance, triggering the {$10.00} cash advance fee and {$0.00} in interest, requesting that those charges be reimbursed, as they were due to PayPal 's erroneous processing of the transaction. PayPal has not responded as of XX/XX/XXXX. 

I have been made aware via social media that PayPal know about their error and some customers have been reimbursed already.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: SC

Complaint narrative:
VALIDATION AND CEASE AND DESIST AssetCare , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home 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: Selene Holdings LLC
State: MO

Complaint narrative:
My mortgage was in an active XXXX  through XXXX  XXXX beginning XX/XX/XXXX. This XXXX  cleared any past debt that the company still is charging me for including interest and multiple fees that they should not. In XXXX, XXXX, I filed request for home loan modification with Selene XXXX, and made multiple calls to check on response to modification request and was told multiple times that no one knew the outcome, but a response was due XX/XX/XXXX. I was told that the issue was being escalated several times and through many call attempts and supervisors. After my XXXX  was properly XXXX in XX/XX/XXXX, Selene XXXX still did not respond to provide any response to the home loan modification. I learned through a post card advertisement from another random company that my home could be in foreclosure, so I quickly phoned Selene XXXX, speaking to XXXX on XX/XX/XXXX and was told that still nobody knew why no response was ever sent or made on my home loan modification request, but that my home indeed has gone into " Active Foreclosure '' in XXXX, XXXX without my knowledge but attorneys have not placed a sale date on it. I have never received any information until I called and then a second call to XXXX and was told that due to the timeline, a new request could definitely and most likely be denied. Thus, my home would go up for auction or sale without my knowledge in a home where I have built and lived for XXXX years. The first person gave me another modification packet to start over and again agrees that no response was ever made on a disposition to my request with multiple call attempts and escalations. Nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
account was sent to collections but never deleted from report. account was paid but still shows balance of {$720.00}

Company response to consumer: Closed with explanation