vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
This matter has sadly and significantly affected me both financially and emotionally. The reporting of this unverified and unauthorized account has caused ongoing stress, XXXX, and hardship, including damage to my credit profile, difficulty obtaining fair credit opportunities, and unnecessary emotional distress. I have had to spend considerable time and effort attempting to resolve an issue that should never have occurred in the first place. No consumer should be subjected to this level of harm due to improper and unlawful debt collection practices. 

This debt collector has engaged in unjustifiable practices prohibited by the Fair Debt Collection Practices Act ( FDCPA ). They furnished an account that I did not agree to and for which I did not sign any agreement. A legal contract requires the participation and signature of two parties, and I did not participate in or authorize any such agreement. Furthermore, they failed to follow the proper five-step debt validation procedure as required by law. According to the FDCPA, I am entitled to compensation for these violations. They have clearly violated my rights and abused their privileges as a debt collector. I hereby demand that this account be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
Following a servicing transfer, an interim property tax bill became delinquent. As of today, the taxing authority still lists an incorrect mailing address, and the servicer has not provided documentation showing that this information was updated following the servicing transfer. In XX/XX/XXXX, the servicer paid the interim tax from escrow, including assessed fees and penalties, after the bill became delinquent. This disbursement created a negative escrow balance and was later used to calculate an escrow shortage and reserve. In XX/XX/XXXX, the servicer issued an escrow analysis increasing the monthly payment effective XX/XX/XXXX. I disputed the analysis and requested supporting escrow calculations and RESPA compliance documentation. The servicer denied error and declined to correct the escrow calculation or reimburse penalties and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: MN

Complaint narrative:
Ive been dealing with these guys for months almost a year now I think. They said they would send me a check with the amount for both of the cards. Its been weeks since that happened months called them couldnt get a hold of them. 

Im basically giving up and just trying to see if you guys can do something about this cause I have no other options. Ive had gift cards like these work before so I bought some more and then they stopped working for the websites and companies are used them at right after I bought {$750.00} in gift cards for that same reason. But now theyre not working and Im stuck {$750.00} down the drain until someone does something about it. 

I purchased two cards one for XXXX and one for XXXX. 



Also side note : Apparently the company I have is the parent company which is what ppl said to list. As they own vanilla gift cards. But if u cant find them or have issues. 

Its just the vanilla visa ppl u get at gas stations or XXXX like I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Transworld Sytems Inc keeps calling me over a debt that does not exist. I check my credit report every month and have proof that whatever they are trying to collect has been paid to the HOSPITAL. Everyone who has called is XXXX. They have called from these numbers. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
Yes the apts that sold my information to this company is illegal .. these apts are know for alot of negative activity .. I moved out, and when i tried to get another apt I had to call them, they instantly said no they wasnt working with me to pay monthly on the debt.and I would have to pay in full .. not even a week later it was on my credit .. its personal.. I ask that this be removed off credit due to personal issues and they illegally sold my info to a debt collector for payment..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint due to Bank of Americas repeated failure to properly and thoroughly investigate my unauthorized transaction claim and its repeated reliance on incorrect and contradictory information. 

My original unauthorized claim was filed on XX/XX/year>. That claim was denied. I subsequently filed two additional claims after the denials, solely because Bank of America continued to deny the dispute without conducting a proper investigation. 

The last two denial letters state that my claim fell outside of the dispute timeframe. This statement is factually incorrect. The claim was filed on XX/XX/year>, well within the required dispute period. Bank of America has never identified a valid policy deadline that I allegedly missed, nor explained how a timely claim suddenly became untimely. 

For claim number XXXX, I was explicitly instructed by two different Bank of America representatives to submit my supporting documentation via email to XXXX. 

On XX/XX/year>, I was told I could email video proof to this address. 
On XX/XX/year>, I was again told by a separate representative that I could email video proof for this same claim. 

I complied with these instructions and submitted evidence as directed. At no time was I told that this email address was invalid or that my evidence would not be reviewed. If Bank of America internally failed to process or review submissions sent to an address their own representatives provided, that failure should not be used against me. 

Based on the repeated denials and contradictory explanations, I do not believe Bank of America conducted a reasonable or thorough investigation. The evidence I submitted is clear, in writing and video form, and directly contradicts the basis for denial. Despite this, the investigative team continued to deny my claim without addressing the evidence or correcting the inaccurate out of timeframe determination. 

I have now lost confidence in my bank due to repeated misinformation, failure to review requested documentation, and denial letters that contain demonstrably false statements. I am requesting that Bank of America be required to conduct a full, good-faith reinvestigation of my claim, properly review all submitted evidence, correct the inaccurate timeframe findings, and refund the disputed amount to my 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 explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On, XX/XX/XXXX I apply for a credit card from Capital One my credit score was frozen. I unlocked my credit score and continue applying. for credit I end up receiving a problem. I did not get a decision so I reached out to them. They said I must wait for and email or a mail in the letter when receiving the email the letter is stating. ( based on your credit report from one or more of the agencies on the back of this letter, income is insufficient for amount of credit requested ) when calling them about this decision, they are blaming the tree credit bureaus 3 credit bureaus dont have access to my income to Guide a decision about my income I am only one have access to my income. I made over {$250000.00} a year from my employer and self-employed company. My husband makes {$170000.00}. XXXX XXXX XXXX  and XXXX  do not hold my income information so Capital One can not blame the 3 credit bureaus so the only such suggestion that Im thinking of I am being discriminated against I dont know if I been discriminated against my color or that XXXX XXXX because this is a tactic. I see they keep on using I have a credit card with them for almost 5 years and never one time that increase it it has been at {$500.00} till now I do not know who they expect to spend {$500.00} my XXXX XXXX credit cards XXXX is {$10000.00}. The next one is {$13000.00} and the third one is {$15000.00} and that is a business credit card and for sure XXXX is not discriminate against me to give me those high credit limit. Neither I am using those credit cards so something is wrong here. No I determined to get an attorney involved in this to file a discrimination lawsuit against capital one if they dont fix their bad practice. I will fix it for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
This account was opened by my ex-husband while we were separated without my knowledge I was never aware of the existence of this account and I did not benefit from this account in anyway I did file a police report. I also have legal documentation from my divorce proceedings saying that the debt is not mine and is owed by my ex-husband. I have tried multiple times to get this account removed because it is not my debt but they just ignore it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am disputing a collection account reported by Credit Collection Services with an alleged balance of {$190.00}. 

This account has not been properly validated, and I dispute its accuracy. I did not receive proper notice of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), including verification of the original creditor and documentation proving I am legally responsible.

Credit Collection Services has failed to provide : Proof of the original obligation Proof of assignment or authority to collect A complete payment history or itemized balance Reporting this unverified debt to consumer reporting agencies may constitute a violation of the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting under the FCRA.

IQ Data International is reporting a collection account in the amount of {$1100.00} with the original creditor listed as XXXX XXXX XXXX Single. I dispute this account and do not recognize the debt as reported. 

I previously disputed this account with the credit reporting agency due to lack of documentation and questions regarding responsibility and balance accuracy. The account was marked as verified without IQ Data International providing any documentation to me.

No lease agreement, move-out ledger, itemized charges, proof of joint responsibility, or proof of legal assignment has been provided. Additionally, the reported balance differs from the original balance, yet no explanation or itemization of
added charges has been supplied.

Because this account appears to be rental-related and may be used in tenant screening, the continued reporting of an unverified and undocumented collection is especially harmful.

Verification through automated systems without documentation does not meet the FCRAs requirement for a reasonable investigation or maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
Date : XX/XX/2026 National Credit Systems, Inc To Whom It May Concern, This letter is sent in response to your reporting of the above-referenced account on my consumer credit reports. This is not a refusal to pay, nor is it an acknowledgment of liability. This is a request for validation made pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( FDCPA 809 ).

Please provide competent evidence that I have a legal obligation to pay the alleged debt, including but not limited to : XXXX. A copy of the original contract, lease, or agreement bearing my signature. 
XXXX. An itemized statement detailing how the alleged balance was calculated, including any fees, charges, or penalties. 
XXXX. The name and address of the original creditor. 
XXXX. Proof that National Credit Systems , Inc. has the legal authority to collect and report this debt.

5. Documentation showing the date of delinquency and the date the account first became late.

6. Proof that this debt has not been paid, settled, or otherwise satisfied.

Until such validation is provided, you are required by law to cease collection activity, including credit reporting, pursuant to 15 U.S.C. 1692g ( b ). 

If you are unable to provide the requested documentation, please remove this account from all consumer reporting agencies to which it has been furnished.

Any attempt to continue reporting or collection without proper validation may constitute violations of the FDCPA and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or about [ DATE ], JPMorgan Chase Bank abruptly closed my checking account without prior notice and immediately froze all access to my funds, which total approximately {$16000.00}. 

I was informed that the decision is final and irreversible and that Chase will mail a cashiers check after XXXX business days, during which time I have XXXX access to my own money. I was not provided any explanation for the closure. 

Why this is a problem This action has caused immediate financial hardship. I have essential living expenses, including rent due next week, and Chases freeze has left me unable to pay housing costs, utilities, or other necessities. 

While Chase states that the funds will eventually be returned, the delay in access creates a serious and disproportionate harm. I am not accused of fraud, criminal activity, or wrongdoing, yet I am being deprived of access to funds needed for basic living expenses. 

Attempts to resolve I contacted Chase and was told : The account closure decision is final No funds can be released at a branch or by phone I must wait for a cashiers check after XXXX business days I requested assistance due to hardship and asked whether funds could be partially released or the check expedited, but I was given no meaningful options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/year> I attended several event through out the day at XXXX of the events the employee of the venue told me there was an issue with my card after several tries my card declined. They then suggest I attempt the payment with XXXX pay when I went to review my expenses for the month I found XXXX charges to XXXX XXXX XXXX I disputed them immediately the lessor charge was credited to my account but after several disputes Navy Federal declined the charge for XXXX this charge is fraud because I was mislead to believe I was paying for food and drinks. 

Navy federal  was recently involved in a class action lawsuit for this very issue of denying the reversal of fraudulent charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is an American Express pre-paid gift card with a remaining balance of {$100.00} as of today, XX/XX/2026. 

For some reason this card is no longer working for any retailer I've attempted to purchase from, in spite of there being a remaining balance and in spite of the card being valid at said retailers. The card is still valid and has not yet expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I obtained a valid payoff quote from Santander Consumer USA in the amount of {$20000.00} which was set to expire XX/XX/XXXX. 

A payoff check was delivered to and signed for by Santander on XX/XX/XXXX, with signature confirmation by XXXX XXXX. Despite confirmed receipt of the payoff funds, Santander failed to timely process the payment and continued to assess interest and fees after XX/XX/XXXX, improperly inflating my balance. 

Over the following weeks, I contacted Santander multiple times and received verbal confirmations from supervisors that the check had been received and was in processing. I was later told, contradictorily, that Santander had never received the check, despite delivery confirmation.

At Santanders direction, I sent a second payoff check, which was delivered and signed for by the same individual, XXXX XXXX, on XX/XX/XXXX. 

As of today, {$20000.00} has been applied to my account. The remaining balance reflects interest and fees that accrued solely due to Santanders internal processing failures, not due to any delay or error on my part. 

I contacted Santander again and was instructed to wait XXXX business days for an interest adjustment dispute to be reviewed. That time period has now passed, and no correction has been made. 

Interest should have ceased on XX/XX/XXXX, the date Santander received the original payoff check. Any interest or fees assessed after that date are unearned and improper. 

I am requesting that Santander : XXXX. Waive and remove all interest and fees assessed after XX/XX/XXXX ; XXXX. Correct the account balance to reflect the proper payoff amount, or issue a refund for any overpayment ; and XXXX. Ensure my account and credit reporting reflect accurate, timely payment with no negative reporting resulting from this processing delay. 

I have documentation confirming delivery and receipt of both payoff checks. 

Timeline of Events XX/XX/XXXX Original payoff check delivered and signed for by Santander XX/XX/XXXX, XXXX XXXX Santander failed to apply the payoff payment XX/XX/XXXX Replacement payoff check delivered and signed for ; partial amount of {$20000.00} applied thereafter XX/XX/XXXX Contacted Santander ; advised to wait 35 business days for interest adjustment review XXXX XXXX XXXX XXXX has passed ; balance remains inflated and uncorrected This matter has caused significant and unnecessary stress and financial harm. I am requesting prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Nelnet, Inc.
State: KY

Complaint narrative:
Have dispute by way of XXXX XXXX XXXX XXXX Know all three bearus are under lawsuits again

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
From : XXXX XXXX XXXX. 


To Whom It May Concern, My name is XXXX XXXX XXXX. I am submitting this complaint regarding E * TRADE Securities LLC for unlawfully withholding funds and refusing to honor a valid California Durable Power of Attorney ( DPOA ).

Summary of the Issue E * TRADE is currently holding funds that : - Originated from a check that has already cleared- Are settled and available within E * TRADEs account - Are subject to multiple valid California Durable Powers of Attorney authorizing me to act on behalf of XXXX XXXX Despite receipt of the DPOA, E * TRADE has stated it is not accepting the XXXX and has improperly attempted to shift responsibility to XXXX  XXXX XXXX, even though the check has already cleared and XXXX  XXXX XXXX no longer controls the funds. 

Key Facts - A valid California Durable Power of Attorney was submitted more than once - The check fully cleared and settled - The funds are currently under E * TRADEs control - No court order, revocation, or fraud allegation exists - E * TRADE continues to refuse release of funds Legal Concerns Under California Probate Code 43004305, financial institutions are required to honor a valid DPOA unless they have actual knowledge of revocation or a court order. E * TRADE has neither.

E * TRADEs conduct constitutes : - Refusal to honor a valid DPOA - Wrongful withholding / conversion of funds - Bad-faith financial conduct - Statutory noncompliance under California law Requested Assistance I respectfully request that CMFB : - Investigate E * TRADEs refusal to honor a valid DPOA - Require E * TRADE to release the cleared funds immediately - Take any enforcement or corrective action deemed appropriate Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called Bank of America multiple times and told them of my financial struggles and they did not offer any debt solutions other than one that included me ceasing to use the card entirely. My interest and balance are through the roof. I had evidence of my financial difficulties.

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