vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On Saturday, XX/XX/XXXX, I used the Chase website to request a wire transfer from my checking account ending in XXXX to an account at a bank in New York. I had successfully sent a very similar wire through Chase to the same account the week before, even though Chase put it on hold multiple times saying they wanted more verification information from me. Monday morning I received an email from Chase saying they had canceled my wire. I called the number on the back of my debit card on Monday to find out why, but they said they could not tell me and that I should just resubmit my wire transfer. I did so and watched my account to see if it had been sent. After closing time, I checked again online and the money had not been sent. I called the fraud prevention line and ask why and was told they needed additional verification, so they asked me for some additional items, including my debit card number and my PIN. I had never used the debit card in an ATM, so I said I did not know my PIN. They said I would have to go to a branch and have them reset it for me. I did that the next day where they asked me more verification questions. Later in the day I called the fraud prevention number to see what the status was, and was told it was still on hold. I called back multiple times over the next few days, and it was always on hold or processing or in verification. Multiple times they ask me for additional information including my date of birth, the CVV from my debit card, my address, which vehicles I had owned in the past, and other items. Today, Friday XX/XX/XXXX, I received two cell phone calls within XXXX minutes, and both times there was no one on the other end. Shortly after, I received an email saying my wire had been canceled again. I called the fraud prevention line again to find out why, and was told to submit it a third time. Between the two wires, I have spent more than XXXX and XXXX hours on the phone with Chase. I find this behavior by them unprofessional and unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/XXXX I received a debt collection letter from XXXX XXXX XXXX. This company stated that I owe a remaining balance of {$4400.00} for my defaulted private student loan valued at {$11000.00}, which is owned by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ignored this as I had already settled this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$7000.00} in XX/XX/XXXX and the account was satisfied per the settlement agreement. On XX/XX/XXXX I began receiving solicitation/advertisements from multiple law firms where I learned I had a lawsuit filed against me on XX/XX/XXXX. I called XXXX XXXX XXXX and informed them they had made a mistake as I have already settled this debt with the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX They would not accept my verbal notification and then provided me with an email to send the settlement letter to. I had to call XXXX, XXXX XXXX XXXX XXXX XXXX this morning to attain that letter of settlement because looking through my records I have either misplaced it or I never actually received it. I'll note that the collection, which showed on my credit report, was removed after the settlement was complete with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received that letter via email and sent it to XXXX XXXX XXXX using their XXXX email they provided. By law XXXX XXXX XXXX should never had been able to attempt debt collection on previously settled debt. I have called them twice and both times, no one would provide me with any answer as to how this happened. They simply said they represent XXXX XXXX XXXX XXXX XXXX and they could not go into further detail. Again if I settled this with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX how is it possible that XXXX XXXX XXXX XXXX XXXXXXXX would hire XXXX XXXX XXXX XXXX collect on the balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
A telecommunications collection account related to XXXXwaypoint resource group recently appeared on my credit report with XXXX. This alleged debt is not mine. I never opened this account, never agreed to the alleged service, and never received any prior notice, billing, or collection correspondence regarding this debt before it appeared on my credit report. Because this account does not belong to me, the reporting is inaccurate. The company has not provided any documentation demonstrating that I am legally responsible for this alleged debt. This issue is particularly concerning because my family and I are currently in the process of closing on a home, and inaccurate credit reporting could negatively impact my mortgage approval. I dispute this debt and request that the company remove this inaccurate collection account from my credit report.

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 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
am writing to formally report an issue regarding a personal loan that was approved and funded, but then unexpectedly reversed by Discover. I applied for a personal loan through Discover and was approved. After approval, I signed the loan agreement and was mailed a check for the approved loan amount. I deposited the check into my bank account, and the funds fully cleared on XX/XX/XXXX. On the evening of XX/XX/XXXX, after the check had already cleared, I began using the loan funds to pay several outstanding bills. Later that same night, Discover withdrew the entire loan amount directly from my bank account without prior notice. This withdrawal forced my bank account into a negative balance and created significant financial hardship. As a result of this action, I am now required to rely on credit cards for basic expenses while working to bring my bank account back into a positive balance, which is causing additional debt and financial strain. The following day I contacted Discover customer support to understand why the funds were withdrawn. I was informed that the loan had been canceled due to a business decision. However, no further explanation was provided, and the representative stated that a letter explaining the decision had been mailed to me.I have not received any such letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid off the complete balance on my Capital One card XX/XX/year>. They used the money and paid my other Capital One card. So I ended up with $ XXXX balance. When I found this out I called Capital One right away. Customer service said they would fix it right away. Capital One also told me, that the card that I tried to pay the complete balance had a {$0.00} balance and that I did not owe them. Next month a statement came for my card that had a - balance was still the same. I called several times with no results. My son even called them. I finally wrote a letter to Capital One fraud and Capital One just took my {$5600.00}. Capital One is still charging intest and penalties on the other card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
CBE GROUP is falsely reporting on my credit. I have never had any accounts with them. Per my research CBE GROUP is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX 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 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I have been trying since, XX/XX/XXXX, to get a loan assumption handled and I have done the live chat that never sent the paperwork, spoke with another agent in the beginning of XX/XX/XXXX, who didn't follow through, spoke with another agent on, XX/XX/XXXX who was supposed to email the information but instead mailed which took a bit longer to receive, I emailed back information on XX/XX/XXXX did a follow up phone on XX/XX/XXXX, s/w XXXX at XXXX who stated that they didn't receive my email and to re-submit my email to another one and that if my case is closed that's fine and it will reopen I have nothing to worry about, to call back and check the status, I received a letter dated XX/XX/XXXX, stating otherwise. I called back spoke with XXXX on XX/XX/XXXX @ XXXX, who stated that he would escalate the issue with his manager, I gave him until Wednesday, without a phone call back from any type of manager. I tried to call back at XXXX XX/XX/XXXX with a message stating that XXXX is closed and gives the hours XXXX CST and again same thing on Thursday XXXX.I called back on XX/XX/XXXX s/w XXXX at XXXX, told her everything that was going on she stated that she would have someone reach me, still nothing. Called back on XX/XX/XXXX XXXX XXXX who stated that she was going to open a new loan assumption case and email, received no email called back on XX/XX/XXXX at XXXX, s/w another rep who didn't give me her name, told me that she they couldn't email that loan assumption, it has to be mailed and she hung up on me after I expressed how displeased I am with all the lying and lack of help, called the corporate number s/w XXXX on XX/XX/XXXX XXXX, she stated that she will have someone contact, still nothing. Called on XX/XX/XXXX at XXXX was put on hold for XXXX mins until someone picked up and hung up on me. I would never recommend Cross country Mortgage to anyone, the assumed my loan from another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank regarding a HELOC application denial and what I believe to be deceptive steering practices. I am an existing Chase mortgage customer in good standing. I applied for a Home Equity Line of Credit ( HELOC ) with Chase, who holds my current mortgage. My application was denied on the basis that my credit score did not meet the minimum XXXX XXXX threshold required. However, the Chase Mobile app Chase 's own product displays my credit score as XXXX, which is above the stated XXXX minimum. When I raised this discrepancy directly with Chase, their written response did not address the score difference at all. No explanation was provided for why the score used in my lending decision differs from the score Chase itself shows me in their app. Following the denial, I was immediately directed by Chase toward a cash-out refinance instead. I have an existing mortgage with Chase at a 4.8 % interest rate. A cash-out refinance at current market rates would require me to replace that mortgage with a significantly higher rate loan, costing me substantially more over the life of the loan. This product benefits Chase financially while working directly against my financial interests. I attempted to request a review given the score noted in their own app, and noting that it was XXXX in another app, plus I requested direct info from myfico.com and that score showed XXXX, still above minimum. My request was not acknowledge rather just an apology for my frustration. I believe Chase denied my HELOC application using a scoring method that contradicts their own displayed data, and then steered me toward a more profitable product for them without transparent disclosure. This pattern denial followed by immediate upselling to a higher-rate product warrants regulatory review. I am requesting the following : 1. A full investigation into the credit score discrepancy 2. Review of whether Chase 's steering practices in home equity products represent a pattern of behavior affecting other consumers 3. Confirmation that Chase provides me with my full adverse action notice as required under the Equal Credit Opportunity Act I have retained copies of all written correspondence with Chase, including their response which failed to address the score discrepancy, and screenshots of my Chase Mobile app displaying my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: SERVICEMAC, LLC
State: FL

Complaint narrative:
My mortgage account is incorrectly coded as a defaulted Trial Payment Plan ( TPP ) from XX/XX/year>. I never signed or accepted this TPP and verbally declined it. Timeline of events : XX/XX/year> : My wife and I signed a Payment Supplement ( PS ) that brought the loan current. XXXX XXXX : Payments under the PS were missed due to financial hardship. XX/XX/year> : Submitted a new loss mitigation application. XX/XX/year> : Servicer generated a TPP offer, which I did not accept. No trial payments were made. Despite this, the account is coded as defaulted TPP, preventing me from submitting a new loss mitigation application. I am actively listing my home but want to keep all options open if the house does not sell. I have attempted to resolve this through the servicer, including a Notice of Error, but the account has not been corrected, and I was unable to reach a supervisor.

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 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
In XX/XX/year> I entered into a solar financing agreement through GoodLeap for approximately {$48000.00} for a residential solar system. The system was marketed and sold with representations that it would significantly reduce or potentially eliminate my monthly electricity bill. These representations were a key factor in my decision to enter into the financing agreement. However, after installation the system has not produced the savings that were represented. My electricity bills have continued to average approximately {$200.00} per month while I am also paying approximately {$230.00} per month toward the solar loan. As a result, my total energy costs increased rather than decreased. During the sales process it was not clearly disclosed that the solar system would only generate electricity during daylight hours and that battery storage would be necessary to offset electricity usage at night. This limitation significantly impacts the systems ability to produce the savings that were represented at the time of sale. I contacted GoodLeap requesting clarification about the loan terms, credit reporting classification, and the legal status of the solar system attached to my property. The company responded that these issues could only be addressed by their legal department if I retained an attorney and submitted a formal legal demand letter, and did not provide the clarification requested. Because the financing was obtained based on representations regarding expected savings that did not materialize, I believe this transaction may involve misleading or deceptive sales practices connected to the financing agreement. I am requesting that GoodLeap conduct a formal review of this account and work toward a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I checked my XXXX credit report and discovered a newly added collection account from Waypoint Resource Group ( Agency # XXXX ) for an alleged XXXX XXXX debt of {$1100.00}. The credit report states Waypoint was assigned this debt on XX/XX/XXXX. However, Waypoint placed this collection on my consumer file without ever sending me a written validation notice, an electronic communication, or attempting to contact me regarding this alleged debt. By placing this collection on my consumer credit file without first communicating with me, Waypoint Resource Group has engaged in illegal 'Debt Parking ' ( also known as passive debt collection ), which is a willful and direct violation of the Fair Debt Collection Practices Act under Regulation F ( 12 CFR 1006.30 ( a ) ). I have absolutely no knowledge of this debt, and I am demanding that Waypoint Resource Group immediately delete this illegally parked tradeline from my XXXX report and cease all collection activities.

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 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Company Name : Affirm , Inc . Business Name : XXXX XXXX XXXX XXXX : XXXX Email associated with merchant account : XXXX Website : XXXX Complaint Description : XXXX XXXX XXXX is a U.S.-registered company that previously operated as an approved merchant with Affirm. We currently have access to our Affirm merchant dashboard. The account is not terminated, and we can log in without issue. However : The XXXX XXXX are blurred/hidden. XXXX integration can not be completed. The system shows incomplete onboarding. Our account has remained in this restricted state for approximately five months. No formal termination notice has ever been issued. Multiple support tickets have been submitted without resolution. Recently, we submitted a new merchant application using the same EIN. That application was denied. The denial appears to be due to an existing merchant profile associated with our EIN, yet the original profile remains neither activated nor formally terminated. This places our business in an indefinite administrative limbo where : We can not activate the existing account. We can not create a new account. We have not been formally declined with a specific reason. We have not been issued a termination letter. Support inquiries go unanswered. Our website ( XXXX ) has a fully functioning checkout and operates legitimately. The generic denial reasons cited ( no checkout, unsupported category, regulated substances ) do not apply to our business. We respectfully request that Affirm provide one of the following in writing : 1. Immediate activation of the existing merchant account ; OR 2. A formal termination notice with a specific reason for ineligibility. We are simply requesting formal clarification and resolution, as the current situation is preventing normal business operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XXXX XXXX XXXX is fraudulently charging me {$1800.00} that was sent to a third party collections agency. That amount is incorrect. I emailed the property manger a month after I moved out on time and asked for what the remaining fees I owed left from the property. She sent it over and how to pay. A little time goes by and then I get a XXXX email that I thought was fraudulent because they added a month to month fee for dates I wasnt even living there and a reletting fee even thought I provide them a notice to vacate 60 days prior on XX/XX/year>. I moved out XX/XX/year> and they charged me rent for XXXX which is after I left. Since then Ive been being harassed by the collections agency on money I dont owe. Ive reach out to the apartment complex but they completely changed staff and said all the paperwork was misfiled when they started so they are fraudulently charging anyone who move out around that time reletting fees and thats not fair. And I mean complete new staff, new property manager, new assistant manager, new leasing agents. They also have the incorrect zip code on the summary its says XXXX instead of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation