vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am a resident of Arizona and the President and sole owner of XXXX XXXX XXXX XXXX XXXX On XX/XX/year>, I deposited a {$300000.00} check from my companys account XXXX XXXX XXXX XXXX my companys checking account at Chase Bank . At that time the teller informed me that there would be a two day hold on the check. At the end of the two day period, I saw that an extended hold until XX/XX/year> was placed on the check. When I inquired about the extended hold, a teller asked me contact the Chase Fraud Prevention Department. I placed several calls to them and with each representative I spoke to, I got a different answer as to the reason of the extended hold. On XX/XX/year>, I spoke with the Chase Bank Branch Manager who informed me that the funds from the check were at Chase. I again called the Fraud Prevention people to ask why the hold couldnt be removed since the funds were at Chase, to no avail. Finally, I saw on the XXXX account that the hold on the funds was removed on XX/XX/year>. Chase used my money as an interest free loan rather than removing the hold once they had the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: ND

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is 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 2026-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was involved in a IMPERSONATION SCAM which occurred on XX/XX/XXXX, by someone who impersonated XXXX 's fraud department. Details below : I attempted to make a payment on my Target credit card on XX/XX/XXXX by searching online for pay Target credit card, which directed me to a website that appeared legitimate ( XXXX ). After attempting to sign in, a message stated my account was suspended due to suspicious activity and instructed me to call XXXX. When I called, the call disconnected and I received a return call from XXXX from someone claiming to be the Target representative. He stated there was a {$490.00} fraudulent charge in Texas and said he would help resolve it. During the call, he instructed me to install an app to mirror my XXXX screen and directed me to purchase a {$300.00} XXXX gift card ( made via XXXX XXXX credit card ) as part of a supposed refund process. Believing I was speaking with a legitimate representative, I followed these instructions. When I became suspicious and said I would end the call, he urgently told me to open then delete the text containing the gift card information ( because he was able to mirror my screen, he obtained the gift card number and redeemed it immediately ). I did not knowingly authorize this transaction for the benefit of a third party. I was deceived by someone impersonating a Target representative through a fraudulent website and phone call, and the transaction occurred solely as a result of this scam. On XX/XX/XXXX, I called Target to dispute the charge. I had explained what happen and was given a claim number. I received a letter via mail, dated XX/XX/XXXX, say that the claim was denied because " 1 ) The Target order was placed on a XXXX account that verifies to you.. The order and confirmation details were sent to the email address we have on file for you. 2 ) Our records indicate that the gift card was loaded and activated successfully with Target. XXXX ) XXXX XXXX 's return policy, these items are non-refundable. '' Again, this WAS NOT a voluntary gift card purchase - this situation involved a phishing website impersonating XXXX and someone posing as a Target representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I am disputing a collection account reported by Fair Collections & Outsourcing for an alleged apartment debt from XXXX XXXX XXXX. The balance reported is {$4200.00}. I moved out in XX/XX/year> and my security deposit was retained, but I did not receive a proper accounting of how the final balance was calculated. I dispute the accuracy of the amount being reported and request a full investigation into the charges and application of the security deposit.

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 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: AZ

Complaint narrative:
I am filing this complaint regarding Solar Mosaic LLC Loan # XXXX connected to a solar installation project with XXXX XXXX that was canceled before any work was performed. Timeline : XX/XX/year> XXXX financing agreement signed through Mosaic for installation by XXXX XXXX. Installation was repeatedly delayed by the contractor. The project was canceled before installation and before any equipment was delivered. XX/XX/year> Cancellation request submitted. XX/XX/year> XXXX XXXX confirmed the project cancellation process had started and stated no equipment had been delivered or installed. XX/XX/year> XXXX XXXX confirmed the project was canceled in their system. Despite the cancellation and the fact that no installation occurred, the Mosaic loan remains active and continues to appear on my credit report. Mosaic has stated that they can not cancel the loan without written authorization from the contractor because a portion of the loan was funded to XXXX XXXX. XXXX XXXX acknowledges the project cancellation but claims Mosaic must complete the financing cancellation. As a result, both companies are redirecting responsibility while the loan remains active on my credit report for services that were never rendered. This internal funding reconciliation between Mosaic and XXXX XXXX should not result in ongoing credit damage to a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: GA

Complaint narrative:
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
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I'm being charged {$280.00} for an amount i did not agree to pay. I don't use XXXX anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, eight authorized electronic fund transfers totaling {$990.00} were processed from my account to the merchant, XXXX On XX/XX/year>, the merchant permanently closed the associated account and unilaterally revoked access to all digital assets purchased with these funds without providing a refund or specific justification. When I requested a detailed explanation and a full transaction history, the merchants loyalty team cited a general " sole discretion '' clause in their Terms of Service and explicitly refused to provide evidence of any alleged policy violation or specific details regarding the closure. Furthermore, the merchant stated they would no longer answer correspondence regarding this matter, effectively blocking any direct resolution for the unused balance of XXXX Gold Coins and XXXX Sweeps Coins. Because the merchant has retained these funds while refusing to provide the services as agreed at the time of the transfer, I am asserting an error under Regulation E for services not rendered ( please see screenshot )

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 monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My card was use and I disputed a charge for {$530.00} and got a new card XXXX XXXX and XX/XX/year>, i. Been calling, emailing, E messaging navy federal and still yet have spoken with someone regarding my dispute case. My account was overdrawn due to funds stolen from my account and I had to pay back additional myself which I was upset about. So thats {$1000.00} I had taken from my bank account I submitted information and documents they ask for and still denied. I constantly asked for documentation regarding why my claim and appeal kept getting denied I was told I couldnt get it

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 2026-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
National Credit Systems is attempting to collect a debt that is not correct. They are trying to collect over {$6000.00} on behalf of XXXX XXXXXXXX XXXX XXXX, TN. XXXX XXXX added charges to my account for about 3 months after I moved out. I notified the apartment complex that I had vacated the property on XX/XX/year> which I can provide evidence of. They continued to charge me rent monthly until XXXX XXXX. I should not owe them rent for 2 months when I have the proof that I notified them that I had moved out which the business manager acknowledged when she responded to my notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I disputed a collection account reported on my credit report by Radius Global Solutions for {$1200.00} related to an XXXX XXXX XXXX account. I submitted the dispute through XXXX because I did not believe the account had been properly validated. The dispute was marked as verified, however I was not provided any documentation showing that the debt is valid or that it belongs to me. I contacted XXXX again to request the method of verification used in the investigation. Consumers have the right under the Fair Credit Reporting Act to receive a reasonable investigation and verification of disputed information. I am requesting that this matter be properly investigated and that documentation validating the debt be provided. If the account can not be properly verified, I request that it be removed 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 non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have had a Macys credit card for a long time. In the past 6 months, the card which apparently is now held by Citibank although customer service doesn't seem to be Citibank is unjustly charging late fees almost monthly. I have sent my payments through online checking through XXXX XXXX XXXX. Macys is processing my payments late and keeps charging me late fees consistently that may now account for more than half of my current balance. They claim they are receiving the payments late, but XXXX is sending them on time. They are processing them late intentionally. The late fees range from XXXX in XX/XX/XXXX to XXXX In XXXX XXXX to XXXX in XX/XX/XXXX and are all inconsistent amounts. Additionally, they keep increasing my monthly balance due which used to be {$25.00} to XXXX a month to now XXXX a month. I am recently retired and have called this company on their number listed as XXXX with no available resolution other than trying to force a payment out of me. This is wrong that they are intentionally processing my payments late and applying late fees and increasing my balance that is due unfairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am filing a complaint regarding Synchrony Banks handling of a credit card dispute involving goods that were materially misrepresented at the time of sale. In XX/XX/year>, I purchased a XXXX sofa using a Synchrony XXXX credit account. The product was advertised and sold as Genuine / Top Grain Italian Leather. After the product began peeling and deteriorating, I contacted the manufacturer, who confirmed in writing that the product is leather match, meaning only seating surfaces are leather and the remaining surfaces are bonded or vinyl materials. This confirmation demonstrates that the product delivered was materially different from the product represented at the time of sale. Because the merchant is no longer available to remedy the situation, I submitted a dispute to Synchrony Bank. Synchrony denied the dispute stating that there was no evidence of a billing error. However, this dispute concerns goods not as described and merchant misrepresentation, not a billing error. I provided documentation including manufacturer confirmation, professional upholstery assessments, and photographs showing bonded material failure. I am requesting that Synchrony Bank reopen and properly evaluate this dispute under the standards applicable to goods materially different than advertised. Requested Resolution : Reopen the dispute and issue the appropriate account credit or adjustment for the misrepresented product.

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 monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Complaint Against : Carrington Mortgage Services , LLC Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Complaint : I am filing this complaint regarding Carrington Mortgage XXXX refusal to provide a payoff statement for the above referenced loan. My company is the current legal owner of the property located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX, and we hold recorded title through a valid deed. The prior borrower is deceased, and we have documentation establishing our rights as Successor in Interest, including a recorded deed and an affidavit of heirship. The first payoff request was submitted by Texas XXXX XXXX on XX/XX/year>. Since that time, we have made multiple attempts to obtain a loan payoff statement so that we can pay the loan off in full with cash and satisfy the mortgage. Despite providing documentation establishing our ownership interest, Carrington Mortgage Services servicing department has refused to provide the payoff statement or recognize us as the current property owner. This refusal has now delayed the resolution of this loan for several weeks and is preventing us from satisfying the mortgage debt on the property. Under the mortgage servicing rules established under the Real Estate Settlement Procedures Act ( RESPA ) and the CFPB Mortgage Servicing Rules, mortgage servicers are required to recognize confirmed successors in interest and provide loan information necessary to service or satisfy the loan. Carrington Mortgage Services refusal to provide a payoff statement is unreasonable and is preventing the loan from being paid off. XXXX Requested : Immediate recognition of our status as Successor in Interest and current title holder Immediate issuance of a formal payoff statement for Loan Number XXXX Written confirmation that the loan may be paid in full immediately We are ready, willing, and able to pay the loan payoff in full, but Carrington Mortgage Services refusal to provide the payoff statement is preventing us from doing so. We respectfully request the assistance of the Consumer Financial Protection Bureau in requiring Carrington Mortgage Services to provide the payoff statement immediately so the loan can be satisfied. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The company 's response is dissatisfactory and incomplete. While Midland Credit Management provided a historical statement from XXXX XXXXXX/XX/XXXXthis document actually confirms my dispute rather than resolving it. Specifically, the statement confirms the account was closed inXX/XX/XXXX However, Midland continues to report this account as " OPEN '' on bothXX/XX/XXXX This is a willful violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX, which requires maximum possible accuracy. Furthermore, the company failed to provide a Bill of Sale or Chain of XXXX proving they have the legal standing to report this specific debt. Under the Texas Debt Collection Act ( XXXX. Fin. Code XXXX ), it is a deceptive practice to misrepresent the character or status of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
I had a secured credit card with Discover that required a {$500.00} security deposit. On XX/XX/XXXX I received an email stating that my account had been upgraded to an unsecured card and that my security deposit would be refunded by check within XXXX business days. Discover claims the check was mailed XX/XX/XXXX, but I never received it. I reached out on XX/XX/XXXX to get a tracking number or some sort of follow up I was told it was handled and to wait up to 30 days. On XX/XX/XXXX I contacted Discover for the XXXX time after not receiving the check and spoke with XX/XX/XXXX XXXX and requested that the check be reissued and expedited. As of XX/XX/XXXX, I still have not received the refund. I also use XXXX XXXX XXXX and no mail from Discover has ever appeared, suggesting the check may not have been mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
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 ) XXXX, 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 nextXX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between late XXXX and early XX/XX/year>, I was the victim of identity theft and financial fraud. An individual gained access to my banking information and made unauthorized ATM withdrawals of {$400.00} and {$600.00} from my checking account. I did not authorize these transactions. I reported the withdrawals to Bank of America, submitted my police report, and provided supporting documentation. Despite this, Bank of America denied my fraud claim twice, stating the transactions were authorized, even though they were fraudulent. I am submitting this complaint to request a full review of the unauthorized withdrawals, provisional credit while the investigation is ongoing, and a resolution to this matter.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: ND

Complaint narrative:
XXXX DEBT is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX DEBT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation