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

Complaint narrative:
On XX/XX/XXXX I deposited in person a check for {$50000.00} into my checking account. That check was put on hold for 7 business days in full for the reason, " Checks within this deposit may not be paid because of information we've received from the paying bank or due to information we have within our own systems. ". I believe this is a catch-all rationale to avoid having to comply with the legal requirement of releasing {$6700.00} within two business days. According to 12 CFR 229.13 ( e ), a " reasonable cause '' hold requires factual evidence, not just a standard verification process. A check from the same bank in the same amount was issued to my two siblings who deposited into other banks and either had no hold or were given partial funds within the legal two day window. I believe Chase bank is saying they have some internal information about the check payer to limit their risk and to avoid complying with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XX/XX/year>, I submitted a Debt Validation Request to Norstorms/TD bank regarding an alleged debt. According to XXXX tracking, the company received the letter on XX/XX/year>, at XXXX XXXX. As of today, Norstorms / TD bank has not responded to my request, nor have they paused reporting this alleged debt to my credit report, which is causing potential harm to my XXXX XXXX. Action Requested : Investigate Norstorms / TD bank for failing to comply with my debt validation request under the Fair Debt Collection Practices Act ( FDCPA ). Require that the company cease reporting this alleged debt to all credit bureaus until validation is provided. Ensure that my credit report is corrected if this debt is found to be invalid. Supporting Documentation : Copy of the debt validation letter sent on XX/XX/year>. XXXX tracking confirmation showing delivery on XX/XX/year> at XXXX PM. Any relevant credit report excerpts showing the reported debt. Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On today XX/XX/year> NAVY FEDERAL CREDIT UNION went into my checking account and took XXXX without my permission to pay for a charged off credit card, a couple of weeks ago I spoke with a representative at XXXX federal and I told her to put me on a payment arrangement for all of my loans and she didnt do this so when I got up this morning the credit card department decided to take every dime I had in my account which is my rent money!!! I went to a branch and was on hold waiting on a representative for XXXX hours!!! I spoke with a very rude supervisor in credit card collection who said they took my money because my card was charged off and I didnt set up a payment arrangement, I told her that I did set up a pay arrangement and that they could pull the calls, she then told me to call collections and have them to pull the calls and if I did set a payment arrangement up she would refund my money, she then says she would refund half of it if I set up a payment arrangement for XXXX today so I did, so I called the collection department and asked them to pull the calls and the claim they would and that they would return my call tomorrow, they also said theyre not sure why the manager in charge off sent me back to collections cause they dont pull those calls? Im confused, I want to get my attorney involved because its not my fault and I want my money back! This bank has caused me nothing but pain and suffering, I need help getting my money back please and filing a complaint against the very rude supervisor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NEW CITY FUNDING CORP.
State: VA

Complaint narrative:
They never gave me a working vehicle. Finally fixed it after 2 months of me paying with no car. And it still was messed up. Got it done by a real mechanic and they would not pay for repairs and the repossed the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft. This company is reporting a credit card account that I did not open, authorize, or consent to. I have filed an Identity Theft Report with the Federal Trade Commission and have notified the credit bureaus to block this fraudulent account under FCRA Section 605B. I did not apply for this account, did not sign any agreement, and did not authorize any hard inquiry associated with this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Complaint Against MoneyGram Failure to Deliver Funds or Provide Promised Refund To Whom It May Concern : I am filing a formal complaint against MoneyGram regarding a {$2000.00} money transfer sent on XX/XX/XXXX that was never delivered to the intended recipient and has not been refunded. After discovering the funds were not received, I contacted MoneyGram and later received an email stating that the matter would be resolved and that a refund would be issued within 10 days. Despite this written assurance, no refund was ever issued. On XX/XX/XXXX, I contacted my bank, XXXX XXXX, and a dispute case was opened. A provisional credit for {$2000.00} was issued to my account on XX/XX/XXXX. However, on XX/XX/XXXX, the investigation was closed and the provisional credit was reversed, resulting in the funds being deducted from my account. On XX/XX/XXXX, I sent certified letters to MoneyGrams Complaint Management and Legal Departments. To date, I have received no acknowledgment or response to those letters. On XX/XX/XXXX, MoneyGram opened another internal complaint ( Complaint # XXXX ) after I demanded proof of deposit or an immediate refund via email. On XX/XX/XXXX, MoneyGram responded by stating they were unable to locate a transaction matching the reference number and information I provided. They also claimed to have searched using my name but were unable to find the transaction. It is deeply concerning that after promising a refund within 10 days, MoneyGram now claims they can not locate the transaction at all. I have retained copies of all email correspondence, complaint confirmations, and certified mail receipts, and I am prepared to provide them upon request. I respectfully request the CFPBs assistance in obtaining : Proof of delivery of the funds, OR An immediate refund of the {$2000.00} as previously promised. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WEICHERT FINANCIAL SERVICES
State: NJ

Complaint narrative:
This complaint concerns automatic termination of private mortgage insurance ( PMI ) under the Homeowners Protection Act. My mortgage is a XXXX XXXXbacked primary residence loan originated in XX/XX/XXXX. The original property value used for PMI purposes is {$240000.00}. The 78 % original-value threshold is {$180000.00}. On XX/XX/XXXX, the servicer sent a letter stating that my loan had reached approximately 74 % LTV but indicated that I was not eligible for PMI removal. I followed up, and on XX/XX/XXXX, the servicer sent a revised letter acknowledging that my loan satisfied the 80 % original-value requirement but stated that a new property valuation would be required. I followed up again on XX/XX/XXXX regarding automatic termination under the 78 % rule. My current unpaid principal balance is approximately {$170000.00}, which is more than {$14000.00} below the 78 % threshold. The servicer has stated that automatic PMI termination will not occur until XX/XX/XXXX based solely on the original amortization schedule. On XX/XX/XXXX, I submitted a written compliance-level request asking the servicer to provide the date on which my unpaid principal balance first reached 78 % of the original value and to confirm the effective PMI termination date. I sent a follow-up on XX/XX/XXXX. Despite repeated compliance-level requests, I have not received a response. I am requesting clarification of the correct PMI termination date under the Homeowners Protection Act, termination of PMI if the statutory threshold has been met, refund of any PMI collected after the proper termination date, and an explanation for the inconsistent written responses and failure to reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
From XX/XX/XXXX chime & XXXX has token over {$200.00} from me I asked for charges to be disputed since it doesnt show on my end I still havent received any money back from XXXX or chime

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: NJ

Complaint narrative:
I never received any payment requests by mail whatsoever. I only found out that I have past due payment when I found out that my credit report went down XXXX points and got affected badly. I paid all my past due and I called them to help me fix my credit score because the payment delay was caused by them not sending me documents by mail requesting me to pay but they refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
The company XXXX XXXX XXXX XXXX COLLECTIONS Address XXXX XXXX XXXX, XXXX MA XXXX Phone number XXXX is reporting a collection on my account for the amount of {$190.00} dollars. This debt doesn't belong to me ; I have asked them to send me a debt verification with debt buyer on XXXX, they have not replied, this is the first time I hear about this company. I DO NOT have any responsibility for the debt youre trying to collect. They must cease attempting to collect this alleged debt until after you have provided the requested information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Financial Services Solutions, Inc.
State: CA

Complaint narrative:
Beyond finance sales representative went over contract statement in his own words. Made me sign a bunch of stuff, didnt explain thoroughly and misinformed me how fees and debt were connect then took XXXX XXXX dollars from me on top of the settlement amount. I would have never went through this company. He mentioned only that the fees were added into the monthly payments. Not separate. I could have paid that extra money to the banks. Now in order to get even with my bank I still owe them over XXXX dollars. Its still crippling my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The payment of this account has been processed at XX/XX/year>. The confirmation email has been included as a supplement in this complaint. However, XXXX has choose to declare insufficient fund in the account where the admit to they have an " ACH problem '' with the third party processing service. It was then deemed as " LATE '' I have contacted multiple bureaus and XXXX XXXX refused to admit their fault. Their processing system shall not be an issue to my credit score. A never late ( before that 30 days late ) track record has also been added as a supplement evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX pa XXXX XX/XX/XXXX Absolute Resolutions Investments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX * * Re : Account Number XXXX * * Re : Account Number XXXX Numbers or Reference Numbers XXXXXXXX XXXX XXXX Total Alleged Amount : $ [ Insert Amount ] * * To Whom It May Concern, I am writing this letter in response to your [ letter/phone call ] XX/XX/XXXX regarding the above-referenced account. This is a formal notice that I am disputing the validity of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide competent evidence to validate this alleged debt. Specifically, I am requesting that you provide the following documentation : 1. * * Proof of Ownership ( Purchase Agreement ) : * * A copy of the executed Purchase Agreement, Bill of Sale, or Assignment of Debt between the original creditor and your company ( and any intermediary owners ). This document must specifically reference my account and demonstrate a complete " chain of title '' proving you have the legal right to collect this specific debt. 2. * * Original Contract : * * A copy of the original wet signed contract or agreement between me and the original creditor that gave rise to this debt. 3. * * Account History : * * A complete statement of account, including the date of the last payment, a breakdown of the principal balance, and an itemized list of any interest or fees added to the balance. 4. * * License to Collect : * * Evidence that your company is licensed to collect debts in my home state of Pennsylvania. Please be advised that all collection activity regarding this account must cease until you have provided the requested documentation. If you fail to provide this information, you must remove any mention of this debt from my credit reports and cease all further communication with me. If you are unable to provide the Purchase Agreement or legal proof of your right to collect this debt, I expect a written statement confirming that this matter is closed. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I signed up for a new spending ( checking ) account and was officially opened on XX/XX/XXXX. I was supposed to receive {$300.00} bonus if I met the requirements. I made direct deposits of {$1000.00} on XX/XX/XXXX, {$1000.00} on XXXX, {$2500.00} on XXXX, {$1000.00} on XX/XX/XXXX, an {$1000.00} on XX/XX/XXXX. Ally sent a confirmation of the direct deposit 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 monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Company : American Express Account Number : XXXX I am filing a complaint regarding the charge-off and reporting of a business credit card account that was opened under a business entity that has since been closed. This account was reported on my personal credit report despite my understanding that the debt was business-related. At the time of application, I was not clearly informed that I would be personally liable for the debt, nor was I aware that a personal guarantee was attached in a way that would expose my personal credit to liability. I am requesting : A copy of the signed application showing my explicit personal guarantee Documentation proving I agreed to personal liability Full accounting of the balance including interest and fees applied Documentation showing proper notice prior to charge-off If proper documentation can not be provided demonstrating clear personal liability, I request removal of the negative reporting associated with this account. I request a formal review and written response with supporting documentation. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Issue : Incorrect PSLF payment count after consolidation / failure to apply IDR account adjustment Complaint Narrative : I am submitting this complaint regarding an incorrect reduction in my Public Service Loan Forgiveness ( PSLF ) qualifying payment count following a loan consolidation completed on XX/XX/year>. As of XX/XX/year>, prior to consolidation, I had XXXX qualifying PSLF payments on XXXX XXXX totaling {$150000.00} and 53 qualifying payments on Parent PLUS Loans totaling {$45000.00}. I have maintained continuous qualifying public service employment and have consistently certified my employment. Before consolidating, I relied on official Department of Education guidance and direct communication with MOHELA and Federal Student Aid representatives. I was advised that consolidating my loans prior to the deadline would not reduce my qualifying PSLF payment count, would allow my loans to receive the highest qualifying payment count, and would include a one-time IDR account adjustment. Based on this guidance, I consolidated my loans on XX/XX/year>. After consolidation, my PSLF qualifying payment count decreased significantly, the one-time IDR account adjustment was not applied, and my progress toward forgiveness was disrupted, despite being nine payments away from completion. The Department of Education guidance in effect at the time stated that borrowers would receive credit for prior time in repayment, including time prior to consolidation, and that the adjustment would count toward PSLF. Had I not relied on this guidance, I would not have consolidated my loans and would have remained on track for PSLF forgiveness. Additionally, the response to Congressman provided by the MOHELA Ombudsman relied on standard post-deadline consolidation rules ( weighted average ), which do not apply to my situation, as my consolidation occurred prior to the IDR adjustment deadline. I have submitted multiple feedback and reconsideration requests, many of which remain unanswered or pending review for over a year, and Congressional follow-ups have not resolved the issue. I have made repeated attempts to resolve this issue since XX/XX/year>, including multiple feedback cases and PSLF reconsideration requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
My mortgage was transferred from XXXX XXXX to Rocket Mortgage and they raised my mortgage {$240.00} a month with AI chat sessions saying it was escrow shortage but XXXX XXXX had just raised my mortgage two months before Rocket Mortgage took over. I have tried for several days trying to get a person on the phone but they just put you on hold and intentionally disconnect the call after about 1 hour it happened to me several times. How can my escrow have two shortages so close together by two different companies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Coinbase, Inc.
State: AL

Complaint narrative:
I have opened an XXXX XXXX card from Coinbase and when I tried to use it for purchases and purchases were denied by Coinbase claiming that there is suspicious activity on the card but there is NONE. I have been calling Coinbase about suspending my XXXX XXXX card and I have sent them the documents requested by Coinbase around 11 days ago but the card is still suspended and I can not use it. I a requesting that Coinbase remove the restriction and remove the suspension on my credit card. There is no reason for the restrictions and NO reason for suspending the card. I want higher manager to be involved to resolve this issues since this has been going on for almost 2 weeks even though I sent all required documents that they requested I want my Coinbase XXXX XXXX card to be active and ready to use and all restrictions be removed since there is NO reason for suspending the card and there are NO suspicious activity on the card

Company response to consumer: Closed with monetary relief