vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am updating my complaint with additional documentation received at my home. 1 I am attaching a letter from XXXX XXXX XXXX ( XXXX ) dated XX/XX/year> ( postmarked XX/XX/XXXX ), officially stating that they have forwarded my concerns back to Bank of America and are no longer handling this account. 2 I am also attaching a Debt Validation Notice from Bank of America, also dated XX/XX/year>, showing the account is back with the creditor. Please note that both automatic letters were generated on Friday, XX/XX/XXXX. On the very next day, Saturday, XX/XX/year>, I successfully made my XXXX payment of {$160.00} directly through the Bank of America mobile app. I am providing these documents to prove that the collection agency is officially out of the case and that I am completely up to date with my payments. I am waiting for the Executive Office ( XXXX XXXX ) to officially reinstate my 10-month settlement agreement for $ 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 2026-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR

Complaint narrative:
I applied for a VA refinance of an existing conventional mortgage with Lakeview Loan Servicing beginning on XX/XX/year>. The company has delayed the application process, and although the refinance has been approved, the refinance has still not closed. I do not get call backs, there is no timely or accurate communication. On XX/XX/XXXX, the VA sent a letter to Lakeview informing them that the paperwork submitted by Lakeview was not completed accurately, therefore the VA rejected the request for my XXXX. I was not informed of this and only found out today, XX/XX/XXXX, after logging in to my VA portal. I am being financially harmed due to this delay and I am concerned that the company will not honor the rate that was locked for this refinance. Rates have increased since my rate lock, so I wonder if the company is trying to back out of their commitment to me. As part of the refinance, I am also paying down my mortgage by {$130000.00}, so this refinance should have been quick and easy, a no-brainer. I have requested contact information for the loan officers supervisor, but this has not been provided to me. I am at a loss as to what I should do at this point.

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 2026-05-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: CA

Complaint narrative:
I am a California resident filing a formal complaint against licensee Block, Inc. regarding a systematic ledger failure under California Commercial Code 8503. On XX/XX/XXXX, Pursuant to a formal Regulation E Notice of Error, I requested a full accounting and ledger reconciliation of my Cash App account based on GAAP double-entry requirements and monthly interest that was unpassed from my account. Block, Inc. refused to conduct a transactional audit or open their back end database records. Instead, they relied on automated-style customer support templates to summarily deny the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing this complaint because Wells Fargo has refused to properly process a billing dispute I am entitled to file under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ). Instead of opening my dispute, Wells Fargo repeatedly transferred me between departments without resolution and gave me no way to submit my dispute and evidence. On XX/XX/year>, a {$570.00} charge from " XXXX XXXX XXXX '' ( Order ID XXXX ) posted to my card. The item was sold as a brand-certified " Original XXXX XXXX, '' but I received a XXXX-domestic variant that can not function as a phone in the U.S. it has no U.S. carrier band support , is not XXXX-certified, and can not make calls, send SMS, or use data on any U.S. network. The merchant denied two refund requests with a generic " did not meet our evidence standards '' message and refused a prepaid return label. When I contacted Wells Fargo to dispute the charge ( merchandise not as described, XXXX Reason Code 13.3 ), I was transferred 3 times on today without my dispute being opened. I received no case number, no provisional credit, and no way to submit my evidence. This violates Wells Fargo 's obligation under Regulation Z to investigate a billing error once notified. DESIRED RESOLUTION : Open and investigate my dispute for the {$570.00} charge, issue a provisional credit, give me a written case number, and communicate in writing. My full evidence package is attached.

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 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Credit card was lost and money was spent off of it. After that happened I called the company and they didnt help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 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: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carrington Mortgage refused to work with us pertaining to the Mortgage, Carrington Mortgage is very discriminatory to us due to our disabilities, Carrington Mortgage was notified that I can only communicate through emails due to sever hearing loss BUT Carrington KNOWINGLY, WILLINGLY AND Purposely blocked my email so Im unable to communicate with them. For their own personal gain. Carrington is involved in deceitful practices for their own gain please see the attached Letter of intent to sue that we send to Carrington Mortgage ( for your reference ) It outlines in full detail there deceitful practices CARRINGTON FULLY ignored the letter of intent, and passed it off as a joke. We are very serious about filing anyway now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
Columbia Columbia Rebt Recovery ( Genesis XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX {$7700.00} -judge gave me 30 days to retrieve what I could out unit ; stated that whatever property remains would settle balance. XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$1800.00} - was informed that XXXX dollars and other fees needed to obtain lease agreement and unit keys. I never made deposit/fee payments nor obtained keys/moved in and obtained lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: MI

Complaint narrative:
I do not understand why my cashapp is closed. I have not done any fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I had multiple fraud charges on unauthorized transactions on chime where money was sent person to person a service I never used before as long as I owned the account. I immediately contacted chime and disputed all these charges that were to multiple people I have never even heard of within 24 hours. They have denied my dispute and supporting evidence including a police report, a ic3 report and evidence showing I wasnt even available on said date to make such transactions. The deny my dispute every time within 24 hours and their reps have even confirmed that same day that charges were done those accounts were closed due to fraud but are denying my disputes saying no error occurred. I even submitted documentation supporting issue with said accounts based off how my app responded when I tried to click to get additional info on the charges. There were ten plus charges and all in the same day of XX/XX/XXXX. I requested information from chime on reason for denial and their supporting evidence saying no error occurred when clearly if said accounts were closed same day for fraud that is showing error on them, they just simply send me my monthly banking statement and all documentation I sent them, nothing more. I requested it 6 times and got the same exact thing each time all sent on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Trouble during payment process/ struggling to pay mortgage My mortgage is backed by XXXX XXXX and serviced by Onity mortgage. I am currently experiencing a documented financial hardship due to active unemployment. To prevent falling behind, I proactively submitted a complete hardship forbearance application while my account was fully current. Thirty days later XXXX XXXX XXXX XXXX XXXX XXXX phone conversation with Onity representative XXXX XXXX XXXX XXXX XXXX ) Onity verbally informed me that my application was denied purely because my account is currently up to date. The agent further claimed that I have " no option to appeal '' the decision. Onity is also withholding my formal written denial notice, blocking my ability to review the decision. Onity 's actions are a direct violation of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX guidelines strictly mandate that servicers evaluate current borrowers for a temporary hardship forbearance if they face an " imminent default '' due to verified hardships like unemployment [ XXXX ]. I request that the CFPB compel Onity Mortgage to : XXXX. Formally evaluate my application under XXXX XXXX XXXX XXXXmminent Default guidelines [ XXXX ] XXXX. Immediately provide the written denial notice with the required aphanumeric denial codes. XXXX. Approve a temporary hardship forbearance so I can safely pause my payments without credit damage while searching for employment.

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 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing regarding the two fraudulent accounts which CHASE bank alleges are my personal credit card accounts. i dispute this debt in its entirely because these accounts are fraudulent and do not belong to me. While I previously maintained a legitimate business credit card relationship with Chase bank, I have never opened, applied for or authorized any personal credit card accounts with your client. I did not sign for, use or benefit from alleged personal accounts that are the subject of your collection efforts. Because Chase already possessed my personal and business information through my legitimate business account relationship, it is possible that my information was compromised, misused, or stolen from Chase 's systems or database and used to fraudulently open these accounts without my knowledge. or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: WA

Complaint narrative:
Hello : I received a call on my cell on XX/XX/year> at XXXX from XXXX. The caller did not leave a message. Then I received a second call from XXXX. The caller did not leave a message either. The calls came from FirstCredit Ser. I did call the number and told them not to call me. They said they would remove me from their list. ( unknow if they will )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint regarding a charged-off credit card account with Chase that is currently reporting a balance of approximately {$2100.00}. At the time the account became delinquent, I was a college student experiencing financial hardship and was unable to keep up with payments. Since the account became delinquent, I have also received repeated calls from debt collectors stating that they would further damage my credit if I did not immediately pay the account. These calls felt threatening and intimidating, and I am concerned about whether the collection practices used were appropriate and compliant with consumer protection laws. I am requesting that this account be reviewed for accuracy and fairness in reporting. I would like verification of the debt, including payment history, balance calculations, and any fees or interest added to the account. If any information being reported is inaccurate, incomplete, or can not be properly verified, I request that it be corrected or removed from my credit report. I am actively working to improve my financial situation and would also like to know what hardship, settlement, or payment options may be available to help resolve this account responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I previously disputed this Jefferson Capital account with the credit bureaus and directly requested validation from Jefferson Capital, but I received no meaningful documentation. I have also submitted a dispute through XXXX and the bureaus returned the tradeline as verified without providing a copy of the original signed contract or an itemized accounting. I requested information from Jefferson Capital and they failed to provide proof of the original agreement or chain of title. I request full debt validation ( original signed contract, itemized balance calculation, and proof that Jefferson Capital is authorized to collect ). If they can not produce these documents, delete this tradeline from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: MO

Complaint narrative:
I am filing this complaint against FirstPoint Collection Resources ( XXXX Commerce Place, XXXX XXXX XXXX, XXXX, NC XXXX ) for failing to provide adequate debt validation in response to my written dispute, and for continuing to report an inaccurate and disputed debt to consumer reporting agencies. Account Information : FirstPoint Collection Resources is attempting to collect {$510.00} on behalf of XXXX XXXX XXXX XXXX XXXX, related to utility account # XXXX for a property at XXXX XXXX XXXX, XXXX, OH XXXX. This account appears on my XXXX credit report as a collection ( Equifax confirmation # XXXX, XX/XX/XXXX ). My Dispute and Supporting Documentation : On XX/XX/XXXX, I submitted a written dispute to FirstPoint via their website and followed up via email on the same date. In my dispute, I provided : ( a ) a detailed explanation that the property was sold on XX/XX/XXXX ; ( b ) the XX/XX/XXXX email chain with FirstEnergy showing I notified them of the sale and they acknowledged it, issued a formal closure order ( # XXXX ), and sent a XXXX notice to the new occupants ; and ( c ) the ALTA Settlement Statement documenting the sale. FirstPoint 's Inadequate Validation Response : On XX/XX/XXXX, XXXX responded with a letter stating only : " We have contacted our client and verified that you are the responsible party. '' They attached the final utility bill. This response does not address the substance of my dispute. It does not explain how I am legally responsible for charges incurred entirely after the property sale and after the original creditor formally acknowledged my transfer notification. Confirming that the original creditor agrees a bill is owed without engaging with the documented evidence that the charges postdate my ownership and that the creditor itself was notified does not constitute adequate validation under 15 U.S.C. 1692g. Continuing Harm : FirstPoint has continued reporting this collection account to XXXX despite my documented dispute. XXXX 's reinvestigation ( confirmation # XXXX ) appears to have relied entirely on FirstPoint 's assertion without examining my documentary evidence. This is causing ongoing harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a one-time XXXX late payment on my Capital One card due to my grandmother passing .. Ive been a customer for XXXX years with perfect history before/after. I paid the account current and made payment on my other cards to show financial responsibility. I requested a goodwill adjustment to remove the late as a one-time courtesy and was denied. Im asking CFPBs help to request Cap1 reconsider a goodwill removal given my overall history. Please. This also triggered my other cards to reduce my credit limit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for inaccurate credit reporting, failure to provide proper validation, and furnishing unverifiable information to consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX is reporting a collection account on my Equifax credit report as a Debt Buyer Account with Narrative Code XXXX ( Collection Account ). I formally disputed this account and requested a complete Method of Verification ( MOV ), chain of assignment/ownership, original account documentation, and competent evidence establishing XXXX XXXX XXXX authority to collect and report this alleged debt. Despite these requests, XXXX XXXX XXXX failed to provide : Original signed agreement or contract bearing the consumers signature Complete chain of title/assignment from the original creditor to XXXX XXXX XXXX Account-level billing/payment records Documentation supporting the Date of First Delinquency being reported Evidence of a lawful and reasonable investigation beyond automated verification systems Documentation proving the reported balance and delinquency timeline are accurate Instead, XXXX XXXX XXXX merely continued furnishing the same disputed information to Equifax without competent verification. The reporting itself raises concerns regarding accuracy and compliance. The account is reported as opened on XX/XX/year> while simultaneously reporting a Date of First Delinquency of XX/XX/year>. As a debt buyer, XXXX XXXX XXXX must maintain and furnish complete and accurate original delinquency information. I dispute the accuracy and verifiability of the delinquency chronology and reporting data. Equifaxs dispute results also demonstrate that the furnisher simply reaffirmed the reporting without providing actual supporting documentation. This suggests the account was verified through automated systems such as e-Oscar rather than through a true reasonable investigation as required under the FCRA.

Company response to consumer: Closed with explanation