vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I myself transferred {$1000.00} from my XXXX savings account to my Chase Checking account ( see doc XXXX attachedand XXXX ). By XX/XX/XXXX the money were still missing from my Chase account. I contacted XXXX and they requested a copy of all my Chase transactions to verify which I submitted as you can find in doc XXXX XXXX. I received XXXX different explanations to suggest that Chase is responsible for the missing funds ( see XXXX and XXXX ). They ( XXXX ) additionally claim that the {$1000.00} was not initiated by me but it was a return payment initiated by Chase ( based on their XXXX internal code that indicates a return ). I contacted Chase and they offered no tracking IDs or tansactions codes ; instead I was told that they would reply in a letter ( see Chase response XXXX ) which does not include any specific information about this case ( at least the XXXX replies provide me with actual ACH numbers to support their claim ). It has been over a XXXX months since I initiated the transfer on XX/XX/XXXX and I can not continue to pursue the case on my own as no one seems to be taking responsibility for a mistake that was clearly made since my funds are still missing. PLease advise, I'm available for call/email/text interactions for additional details if needed. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/year> I purchased a XXXX XXXX XXXX Hybrid from a dealership financed through Capital One Auto Finance XXXX XXXX add-on products totaling {$1400.00} were financed into my loan but were voided or never submitted to their administrators on the day of purchase. I have written confirmation from all three third-party administrators. As of today XXXX credits for these products have been applied to my loan account. A second Retail Installment Sale Contract was created on XX/XX/year> and funded by Capital One that same day. I did not sign this contract. The dealership 's XXXX XXXX confirmed the contract shows a signature timestamp of XXXX PM on XX/XX/XXXX. My XXXX Maps location history places me at a hospital XXXX miles from the dealership from XXXX PM to XXXX PM that day encompassing the exact timestamp referenced. I did not authorize this contract which contains material changes from my original signed agreement including different product charges and a different first payment date. XXXX unauthorized hard credit inquiries from Capital One appeared on my XXXX XXXX XXXX reports on XX/XX/year> the same date as the disputed contract on a date I was not at the dealership and did not authorize any new credit application. The dealership 's sales XXXX sent written communications threatening to repossess my vehicle over a rebate documentation request despite the contract having been assigned to Capital One without recourse giving the dealer no legal authority to make that threat.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My acct has refund pending from XXXX and Aidvantage tells me they know nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: CA

Complaint narrative:
This complaint is being filed regarding unresolved unauthorized debit card transactions on a Chase checking account belonging to the account holder. In XX/XX/XXXX, an unauthorized transaction appeared on the account from XXXX. This transaction was not recognized by the account holder and was reported to Chase. A dispute was filed, and the transaction was later refunded. In XX/XX/XXXX, additional unauthorized transactions occurred on the same account, also appearing as XXXX purchases. The transactions included multiple charges on XX/XX/XXXX, and another charge on XX/XX/XXXX. These transactions were not authorized by the account holder and were discovered shortly after they occurred. Once the XX/XX/XXXX transactions were identified, the account holder contacted Chase immediately to report them and filed fraud claims for all affected transactions. The account holder was initially informed that the funds would be returned and that a replacement debit card would be issued, which was completed. However, only the XX/XX/XXXX transaction was credited back to the account. The XX/XX/XXXX transactions were later denied. The account holder contacted Chase multiple times to understand the reason for the denial and received inconsistent explanations from different representatives, including references to a XXXX federal rule allegedly tied to the XX/XX/XXXX transaction. The account holder was also advised at one point to contact XXXX, but XXXX confirmed there was no corresponding XXXX account activity tied to the charges, indicating the transactions were processed using the debit card information rather than through a XXXX account. The account holder requested clarification from Chase regarding why the XX/XX/XXXX transactions were denied, whether they were evaluated as separate claims or grouped with the XX/XX/XXXX dispute, and what specific policy or reason code was used to deny reimbursement. A clear or consistent explanation was not provided. During the most recent call, the account holder requested escalation to a supervisor for clarification of the denial and case handling. The call was disconnected when escalation was requested. The account holder is requesting a formal review of the XX/XX/XXXX unauthorized transactions, clarification of how the claims were categorized and processed, correction of any error that may have resulted in the denial of valid fraud claims, and full reimbursement of the disputed XX/XX/XXXX transactions totaling approximately {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Constant calls to collect debt not given an opportunity to resolve collection debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: EXCEL FINANCE COMPANY
State: TX

Complaint narrative:
Manager of excel finance keeps calling. Different numbers, sending texts messages that are threatening

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
After multiple attempts and being blocked etc. On XX/XX/year>, I submitted a formal hardship settlement offer of {$1600.00} total ( accounts XXXX and XXXX ) via email to Portfolio Recovery Associates. I included comprehensive hardship documentation : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX for {$3300.00} and a XXXX eviction termination notice indicating imminent housing loss. Portfolio Recovery refused to negotiate via email, directing me to use their live chat instead. When I attempted live chat, I was blocked with error code XXXX. In a additional chat session, I asked XXXX confirmation questions about receipt of my offer, documentation of the conversation, and agent authority. The agent ( XXXX, ID XXXX ) did not answer these questions. The chat then disconnected while I was waiting for a response. While disconnected, the agent sent XXXX unacknowledged counter-offers totaling {$3200.00} without documentation. I attempted to access chat again but was permanently blocked ( error XXXX & error XXXX ). When I emailed about the obstruction, Portfolio Recovery responded that negotiations can not be discussed via email. This patternrefusing written communication, blocking chat access, sending bad faith counter-offers during disconnections, and ignoring hardship documentationviolates FDCPA Section 805 ( right to request written communication ) and constitutes bad faith negotiation and systematic obstruction of settlement discussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XX/XX/year> have made settlement with the original creditor XXXX $

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Bought a truck, havent recieved registration sticker. Paid for this during initial purchase. XXXX XXXX XXXX, bought XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX through Westlake Financial ( XXXX ) XXXX Dealer collected {$110.00} in title/registration fees and apparently never filed anything Dealer has since moved/gone dark Bank is unresponsive

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
To Whom It May Concern : I am formally disputing the following account listed on my credit report. This account is inaccurate and/or can not be verified pursuant to the Fair Credit Reporting Act ( FCRA ). Creditor : CREDENCE RESOURCE MANAGE Account Number : XXXX Amount Reported : {$130.00} I am requesting a complete investigation of this account and ask that you provide verification of : The original signed contract or agreement bearing my signature Full payment history Proof this debt legally belongs to me Documentation showing the collection agency has authority to collect The date of first delinquency If this information can not be properly verified, I request that the account be deleted from my credit file immediately pursuant to the FCRA. Please complete your investigation within the timeframe allowed by law and send me updated copies of my credit report reflecting the results. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I was on the XXXX XXXX website booking a flight when it showed an ad stating apply for the XXXX credit card and youd get XXXX miles. I applied for the card, it never provided any sort of information you could review the terms and conditions, and once I applied it took me back to the XXXX website to finish booking my flight. When I finally received the credit card, the app showed my miles rewards to only be XXXX. I called Barclays and they said the way I signed up for the card was for the XXXX miles and not XXXX miles even though the advertisement I clicked on said XXXX. Total bait and switch and false advertising. Ive tried resolving this issue with Barclays and XXXX and both are denying any sort of wrong doing nor will they admit its a bait and switch scam.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/year>, I attempted to make a payment to bring my Bank of America account current. As soon as funds were available earlier in the day, I tried to log into the Bank of America mobile app but was continuously prevented from accessing my account due to system malfunctions on the bank 's end. I repeatedly tried to log in throughout the day. When I finally gained access to the app late in the evening, I attempted to submit my payment but was blocked by a " lost connectivity / unable to complete your request '' error. I have attached a time-stamped screenshot taken at XXXX PM XXXX showing this exact system failure. Because the Bank of America app was malfunctioning and down for hours, my payment was delayed. When the system finally allowed the transaction to process, it was still XX/XX/XXXX in my local time zone ( XXXX ), but Bank of America 's system dated the payment for XX/XX/XXXX based on their Eastern Time cutoff. I am now being told I will be penalized with a XXXX late mark on my credit report. This delinquency is due strictly to Bank of America 's technology failure preventing me from logging in and submitting the payment, not a failure or refusal to pay on my end.

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 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Cease and Desist / Demand for Removal of Inaccurate Credit Reporting I am formally disputing the validity and accuracy of the account ( XXXX ) your company is reporting under my name to the consumer reporting agencies, including but not limited to XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I demand the following : XXXX. Cease all collection activity and communication regarding the alleged account ( XXXX ), except as permitted by law. XXXX. Provide complete validation of the alleged debt, including : * Original signed agreement or contract * Full payment history * Proof of legal ownership/assignment of the account * Documentation showing your authority to collect XXXX. Immediately remove all inaccurate, unverifiable, misleading, or incomplete information being reported on my consumer credit files. If you can not provide competent evidence validating the alleged debt and your legal authority to report it, you must immediately delete the tradeline ( XXXX ) from all consumer reporting agencies pursuant to : * FCRA 623 ( a ) ( 1 ) ( A ) Prohibition against reporting inaccurate information * FCRA 611 Requirement to investigate disputed information * FDCPA 809 ( b ) Validation of debts * 15 U.S.C. 1692e False or misleading representations Additionally, I request that you cease reporting these accounts while they remain disputed. Be advised that continued reporting of inaccurate or unverified information may constitute willful noncompliance under federal law. I reserve all rights to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), state attorney general, and pursue private civil remedies if necessary. This letter is not an acknowledgment of liability, nor is it permission to restart any statute of limitations. Please provide written confirmation within 30 days that : * The accounts have been deleted from all credit bureaus, or * You have provided complete validation as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: OR

Complaint narrative:
I am filing this high-priority complaint against Merchants ' Credit Guide Company regarding their active collection loop under File Number XXXX for an alleged XXXX XXXX account [ 15 U.S.C. 1681s-2 ]. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I am issuing a formal, absolute Cease and Desist [ 15 U.S.C. 1692c ]. Merchants ' Credit Guide Company is hereby ordered to immediately and permanently cease all communication with me regarding this file. This includes all automated outbound robo-dialer phone calls, text messages, and physical mailings to my address. Your compliance department must instantly toggle my identity parameters to XXXX XXXX XXXX and update this internal file status to a permanent closed status [ 15 U.S.C. 1692c ]. Any further collection or contact attempts outside of statutory verification limitations will be immediately forwarded to my consumer protection attorney for a formal federal lawsuit under 15 U.S.C. 1692k [ 15 U.S.C. 1692k ].

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: American Credit Acceptance, LLC
State: IN

Complaint narrative:
At the time I purchased this vehicle, I was XXXX XXXX XXXX with limited financial experience and limited income. I was approved for an auto loan with a 24.99 % interest rate along with multiple add-on products and warranties that significantly increased the total amount financed. I do not believe I fully understood the long-term financial impact of the loan, interest rate, or additional products at the time of signing. Looking back, I am concerned that the loan and add-on products were not responsibly structured based on my income and financial situation. The vehicle is now worth approximately {$11000.00} while I still owe approximately {$17000.00} on the loan, leaving me with substantial negative equity and financial hardship. I attempted to refinance the loan in order to obtain a lower interest rate and more affordable payment, but I was denied due to my debt-to-income ratio. I am now trying to proactively resolve this situation before falling behind on payments. I am also requesting review and cancellation of any eligible add-on products, warranties, service contracts, or protection plans that were included with the financing. I would like the company to review whether the financing and sales practices associated with this transaction were appropriate considering my age, financial experience, and income level at the time of purchase. I am submitting this complaint seeking assistance, review of the loan and add-on products, and information regarding any hardship relief or loan modification options available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Klarna AB
State: IL

Complaint narrative:
Someone has opened an account with Klarna with a loan of XXXX dollars that needs to be paid in 3 months on XX/XX/XXXX. Later in XXXX, I received a letter from Klarna asking me to pay a loan that I did not even know about. I contacted the company, and they said that I ned t file a dispute with the credit bureaus. I created three accounts with those bureaus and had a freeze on my credit and filed a dispute, and the account was closed, but it is still in my account as closed. I want ot delete this account from my record. I also filed an identity theft report and got a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: TX

Complaint narrative:
XX/XX/2024 have made settlement with the original creditor XXXX $

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have provided capital one with the documents requested a couple of times. Those documents are the front and back of my Identification which has my current address on it. I have also included my XXXX XXXX XXXX XXXX Checking account statement. The restriction has been removed but Im still waiting for my replacement card to be send via expedited mail. My apt number wasnt on the original card that was mailed so it must have gotten lost in the mail.

Company response to consumer: Closed with explanation