vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Account closed XXXX days ago. Address updated. XXXX in-person visits with no resolution. The bank is wrongfully withholding my funds. I am moving out of the country in XXXX days and demand immediate payment via Overnight Delivery or wire transfer. They closed my account and didn't send the check... I went to the bank to report the incident, and Bank of America simply claimed they had already sent it ( but it never arrivedI didn't receive a single email, message, or phone call! How can you people lose such an important personal document that contains money? ) After all of this happened, Bank of America said they couldn't do anything and that I would have to wait 120 days for the check to expireand only then would I be able to request a new check. I waited exactly 120 days, went back to the bank to ask for the check to be sent correctly to my address, and updated my details once again to avoid any future errors. They told me the check would be sent within 10 days and that, all told, it would be at my house within 15 days ... 30 days went by, and nothing arrived... I went back to the bank, and they told meyet againthat I would have to wait another XXXX 120 days... THIS IS A DISGRACE. I waited another XXXX days in total, and went to the bank for the fourth time. On each of those occasions, they told me that the company 's HR department was closed and that I would have to reschedule. I went to the bank on a Monday, and they didn't even see me ; I waited for XXXX hours, and they never called me in for service. I have {$1200.00} stuck at this Bank of America for over XXXX days due to the bank 's incompetence. They show absolutely no responsibility regarding their customers ' documentshow can you mail a check containing a monetary value to someone without any tracking, without notifying the check 's owner, and without sending a single text message, phone call, or email? It is an absolute disgrace! I demand the delivery of the check with tracking capabilities, along with updates sent to my email or phone number. I will no longer tolerate being given the runaround by this irresponsible bank. If they do not take the appropriate corrective actions, I will proceed with legal action through a lawyer, as I possess voice recordings, images, and photos to prove that they are in the wrong.

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 2026-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am requesting assistance regarding XXXX XXXXXXXX refusal to reverse a charge for undelivered furniture. I paid XXXX XXXX XXXX a 50 % deposit of {$3000.00} on XX/XX/XXXX for custom sofas. The merchant repeatedly delayed delivery and continued to promise fulfillment as late as XX/XX/XXXX. In XX/XX/XXXX they even sent new leather samples due to alleged material shortages. After this date the company ceased communication and ultimately filed bankruptcy. The goods were never delivered. I submitted a dispute to XXXX within approximately 120 days of the last promised delivery date. XXXXr has denied my claim multiple times despite clear documentation of merchant non-delivery and continued representations after bankruptcy filing. I am requesting a Claims and Defenses review under the Fair Credit Billing Act and a reconsideration of this dispute. I can submit emails, order confirmation, proof of payment, and evidence of merchant closure if requested

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Double Diamond-Delaware, Inc.
State: TX

Complaint narrative:
My credit report currently reflects a mortgage foreclosure reported by United Equitable Mortgage Company ( UEMC ) related to a timeshare/interval ownership purchase at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This was not a traditional residential mortgage loan. The agreement is governed under the Texas Timeshare Act and includes a Timeshare Disclosure Statement. Reporting this account as a generic mortgage foreclosure is materially misleading and is causing denial under conventional mortgage underwriting guidelines. I previously contacted UEMC requesting correction of the classification but received no response. I am requesting that UEMC review and correct the reporting to accurately reflect the account as a timeshare/interval ownership obligation rather than a residential mortgage foreclosure.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I have called several times regarding my Escrow refund, and all I get are excuses. I finally got my mortgage up to date .. and I am due a refund. They keep making excuses for not my refunding my escrow. I need this refund. They are refusing to refund

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 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
XX/XX/XXXX my refund of {$8100.00} from the irs hit the wrong account. I had accidentally put in the wrong account number just off by one number. Ive tried to get it but Chase keep giving me the run around and ask plenty of times to reject it & send back to irs so they can reissue it. They put a claim in but denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Im a XXXX XXXX XXXX. I have had a personal checking account with chase for a XXXX. I've had XXXX business account with chase for XXXX years and i opened another business account with chase XXXX XXXX ago. I also have XXXX personal and XXXX business credit cards with chase. Recently i have deposited some checks into my newest business account. When i went to transfer funds i found that my account was restricted. I waited a few days to see if this would go away and it didn't. Then i called chase and asked what was going on. They told me they needed to verify a check for XXXX that i deposited from another chase customer. They called the customer and the customer wasn't available. The customer called them back later and verified. I called back 2 days later and Chase said it wasn't verified. They called the customer again and verified, and chase said it was verified and i should get access to my account in XXXX min. The next day the same issue was still going on but this time they told me i have XXXX other checks that need verified. They called all XXXX customers and were able to verify XXXX of them, even the customer that had already had their check verified 2 times before. I was assurred by the fraud escalation supervisor that i would have access to my account with XXXX hour. I go to check my account XXXX hours later and my account that had over XXXX is completely XXXX. I haven't had access to my money since XX/XX/XXXX and its now XX/XX/XXXX. I only received XXXX notification from chase for this entire situation. I have only spoken to people from XXXX this entire time even after being trasfered to the managers manager. After being a long time customer with Chase they are doing this to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
I am writing in response to your communication regarding an alleged debt. I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : 1. The amount of the alleged debt, including any interest, fees, or charges 2. The name and address of the original creditor 3. Copies of any documents bearing my signature that show I agreed to this debt 4. A complete payment history, including how the amount you claim is calculated 5. Proof that your agency is licensed to collect debts in my state ( if required ) Until you provide proper validation of this debt, I request that you cease all collection activities and communication with me regarding this matter. If you are unable to provide the requested documentation, please confirm in writing that this account has been closed and that no further collection efforts will be made. Additionally, if this debt has been reported to any credit reporting agencies, I request that it be marked as disputed. Please note that this letter is not a refusal to pay, but a request for verification of the alleged debt. I expect your response within 30 days of receipt of this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
A collection account from XXXX XXXX XXXX XXXX is currently being reported on my credit report in the amount of {$560.00} associated with XXXX XXXX XXXX XXXX XXXXXXXX XXXX, account # XXXX. I do not recognize this alleged debt and have no knowledge of what this account could possibly be for. Prior to this account appearing on my credit report, I never received any initial notice or written communication from this company regarding the alleged debt. Under the Fair Debt Collection Practices Act, a consumer must receive written notice of a debt and the right to dispute it. Because I never received this notice and do not recognize this account, I requested proper validation of the alleged debt multiple times. Despite my repeated requests, XXXX XXXX XXXX has failed to provide documentation verifying that the alleged debt is valid or that they have the legal authority to collect it. Because this appears to be related to a rental or apartment account, proper validation should include documentation such as : A copy of the original lease agreement bearing my signature Documentation identifying the apartment unit and dates of tenancy A complete itemized statement explaining how the balance of {$560.00} was calculated Documentation showing any move-out charges, damages, or fees associated with the alleged balance Documentation demonstrating that the collection agency has the legal authority to collect the debt Documentation demonstrating that the alleged debt was legally assigned or transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection agency Despite my requests for this documentation, the company continues to report this account on my credit report without providing proper validation. Under the Fair Credit Reporting Act 1681e ( b ), companies that furnish information to credit bureaus must ensure the information reported is accurate and capable of verification and must comply with XXXX XXXX reporting standards. Because this alleged debt has not been properly validated and I never received the required initial notice, the continued reporting of this account raises serious concerns regarding compliance with the FCRA, XXXX XXXX reporting standards, and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint regarding XXXX late payments reported on my Capital One account ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), which are currently impacting my ability to qualify for a XXXX XXXX loan. These late payments occurred during a period of financial hardship when I was not employed and our household was relying on a fixed income. During that time, we experienced financial strain that affected our ability to remain fully current. Since that period : My financial situation has stabilized My account has been brought current I have maintained consistent, on-time payments There have been no ongoing delinquencies These late payments were tied to a specific hardship period and do not reflect my current financial responsibility or payment behavior. I previously submitted a goodwill request directly to Capital One, which was denied. I am respectfully requesting reconsideration due to the significant impact these past late payments are having on my ability to secure housing, despite otherwise meeting all loan qualifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
It was over a Barclay credit card that was XXXX back in XX/XX/year> and the where going to violate my rights if I did not give them the information and what was outstanding. The phone number is listed here of the debt collection place called me 2 times this week and left voicemails. Here is the phone number listed XXXX. This Usually happens every couple years from different places.

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 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am submitting this complaint regarding a hard credit inquiry that occurred when I applied for a TJX Rewards Credit Card at a TJ Maxx store. Before agreeing to apply, I specifically asked the store manager and assistant manager whether the credit check would be a hard inquiry. I was clearly told that it would only be a soft inquiry because it was a department store card. Based on this representation, I agreed to proceed with the application. Afterward, I discovered that a hard inquiry was placed on my credit report through Synchrony Bank. I would not have authorized the application had I been accurately informed that it would result in a hard credit inquiry. Because my consent was based on incorrect information provided by store staff, I am requesting that Synchrony Bank remove the hard inquiry from my credit report. I called Synchrony Bank customer service on XXXX XXXX to advise them of the situation and I talked to a supervisory customer agent, simply known as Z. She said she would submit the information through the proper channels and I would receive documentation by mail. She stopped short of saying this would be reversed because I believe there has to be an internal review. Im leaving the XXXX in XXXX XXXX for XXXX XXXX and I wanted to make sure this was elevated fully through all appropriate channels. This application occurred on XXXX XX/XX/year> at a TJ Maxx store location store number XXXX. It is located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and part of my purchase was placed on the card during that transaction. I plan to pay this balance in the next few business days.

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 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: MI

Complaint narrative:
I am submitting this complaint regarding Debt Recovery Solutions and their failure to properly validate a debt they are attempting to collect and report. I requested validation of this debt and have not received sufficient documentation verifying that I am legally obligated to pay it. Despite this, the account continues to be reported on my credit report and remains in collection status. Debt Recovery Solutions has not provided a signed agreement, complete account history, or documentation from the original creditor demonstrating that this debt is mine. Additionally, they have not provided sufficient proof of ownership or legal right to collect this debt. At the same time, this account has been reported to credit reporting agencies and was recently verified by XXXX without proper documentation being provided to me. I have made a good faith effort to resolve this matter directly, but I have not received proper validation of the debt. I am requesting that Debt Recovery Solutions : 1. Provide full validation of the debt, including a signed agreement and complete documentation 2. Provide proof of ownership and legal right to collect 3. Cease collection activity until proper validation is provided 4. Remove the account from all credit reporting agencies if it can not be fully verified This account is negatively impacting my credit and financial standing, and I am seeking resolution in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Resurgent Capital Services L.P . XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Cease and Desist / Debt Validation Request Resurgent ID : XXXX Account Ending : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing in response to your recent collection notice that was sent to me by email. I did not provide consent to receive communications by email, and I consider unsolicited emails from a debt collector to be intrusive and improper. Any further email communication will be treated as a violation of the Fair Debt Collection Practices Act ( FDCPA ). I dispute the validity of this alleged debt in its entirety. I do not owe this debt, and I will not pay any amount. Under the FDCPA ( 15 U.S.C. 1692g ), I request that you provide written validation of the debt, including : 1. The name and address of the original creditor ; 2. The full chain of title, including all assignments and transfers of this alleged debt, along with copies of the actual assignment contracts demonstrating that LVNV Funding LLC ( or any current owner ) holds the legal right to collect ; 3. An itemized accounting of the amount claimed, showing all principal, interest, fees, and charges ; 4. Evidence that the statute of limitations has not expired and that any purported balance is enforceable. I also instruct you under 15 U.S.C. 1692c ( c ) to CEASE ALL FURTHER COMMUNICATION with me regarding this account. After receiving this notice, you may only contact me to inform me that you are terminating collection efforts or to notify me of a specific legal action you intend to take. Any other contact, including telephone calls, text messages, and especially email, will be considered a violation of federal law. All future communications must be in writing and sent via XXXX Mail to the address listed above. I will not accept telephone calls, emails, or any other electronic communications on this matter. If you attempt to call or email me after receiving this notice, I will treat each contact as a separate violation of the FDCPA and will retain the right to seek statutory damages. Please confirm in writing that you have received this notice and that you are complying with my requests. Sincerely, -- - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 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: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I am writing to request assistance regarding a late payment notation on my Apple Card account, issued by Goldman Sachs Bank USA. I have been an Apple Card customer and have maintained my account responsibly. In XX/XX/year>, a payment was inadvertently missed I was not aware the payment had not processed until I reviewed my credit report. Upon discovering this, I immediately brought the account current and have maintained on-time payments since. This single XXXX late payment has caused a significant drop of XXXX points to my credit score, which is having a serious impact on my financial situation. I contacted Apple Card customer service to request a goodwill adjustment and was told that Goldman Sachs does not make goodwill adjustments with no alternative offered. I am requesting that the Consumer Financial Protection Bureau look into this matter and encourage Goldman Sachs Bank USA to review my account history and consider removing this late payment notation as a one-time goodwill courtesy, given that this is an isolated incident on an otherwise responsibly managed account. Account holder : XXXX XXXX XXXX XXXX digits of account : XXXX Date of late payment : XX/XX/year> Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I would like to know if I was illegally charged from Wells Fargo and XXXX for overdraft fees

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 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have found fraudulent accounts on my credit report, the accounts are from : XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/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