vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, Wells Fargo removed {$6600.00} from my savings account through a transaction labeled XXXX XXXX XXXX related to an old Wells Fargo credit card debt. This withdrawal left only {$1.00} in my account. The funds taken included money I had just received from my tax refund, which I rely on to support myself and my XXXX children. I was not given prior notice that Wells Fargo intended to remove funds from my account. The removal of these funds has created severe financial hardship because it left me without money for rent, food, transportation, or basic living expenses for my family. I am requesting that this setoff be reviewed to determine whether Wells Fargo had the legal right to take these funds, whether the amount taken was correct, and whether this action complied with consumer protection laws. I am asking that Wells Fargo investigate and consider returning some or all of the funds due to the hardship caused.

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 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On the XXXX of XXXX XXXX XXXX XXXX XXXX sent the payoff checks, and the checks cleared and applied to the account. Due to Westlake Financial XXXX declines to transfer me to the insurance department. I sent over a demand of request letter, requesting the XXXX XXXX refund on the Westlake Financial website. Instead of them sending the letter and email to XXXX XXXX department who handles the refunds, customer service reps decided to read and does not understand the letter as well as the account as being paid off, and I am owed and is entitled {$350.00} as a refund. There is a XXXX balance, and, on the website, it shows paid off, nothing owed. Everything was applied. On the XXXX of XX/XX/year> I received an email from someone who does not handle XXXX XXXX saying that I had a balance before the car loan was paid off and there will not be a refund. XXXX email is in several people 's hands, and it is creating and causing confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
I'm requesting an itemized statement ( debt validation or verification ). Under FDCPA ( Fair Debt Collection Practices Act that the devt is mine or the amount is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
COMPLAINT SUMMARY : UNJUST ACCOUNT CLOSURE & REPUTATIONAL DAMAGE I. NATURE OF COMPLAINT I am filing this formal complaint against JPMorgan Chase Bank, N.A. for the abrupt and unjustified closure of my business account ( XXXX XXXX XXXX XXXX ) and subsequent derogatory reporting to banking verification services. Despite a long-standing, positive relationship with the bank and no history of fraud or misconduct, Chase abruptly terminated the relationship without a valid explanation. II. STATEMENT OF FACTS Unjustified Account Closure : Chase closed the business account for XXXX XXXX XXXX XXXX without prior notice or a specific, justifiable reason. While the bank eventually returned the account balance, the abrupt nature of the closure was disproportionate and has caused significant operational disruption. Abusive Reporting Practices : Following the closure, Chase reported the event to XXXX XXXX XXXX ( XXXX ) and XXXX. Because this was a bank-initiated closure not based on any fault of the consumer, the resulting " negative '' coding is factually inaccurate and defamatory. Financial Blackballing : Due to Chases reporting, XXXX XXXX XXXX XXXX has been effectively blackballed from the US financial system. We have been repeatedly denied when attempting to open necessary business accounts at other institutions. This is a direct violation of UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) standards, as the banks arbitrary reporting is preventing a legitimate business from accessing essential services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: TX

Complaint narrative:
I used Cash App to purchase clothing and other items online. In several cases, the items never arrived. I attempted to contact Cash App customer service multiple times to request assistance and refunds, but I never received a response. As a result, I was not refunded for the money I spent, and I was unable to resolve the issue through Cash Apps support channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
XXXX, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : NCB MANAGEMENT SERVICE : XX/XX/XXXX -- -> XXXX -- -> : {$3100.00} XXXX XXXX XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$3100.00} XXXX : XX/XX/XXXX -- XXXX -- > : {$1500.00} XXXX : XX/XX/XXXX -- ->XXXX -- -> {$2100.00} XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$2100.00} DEPT OF ED / XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$4400.00} DEPT OF ED / XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$5900.00} DEPT OF ED / XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$8000.00} DEPT OF ED / XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$5300.00} DEPT OF ED / XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$2600.00} DEPT OF ED / XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$8200.00} DEPT OF ED / XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Starmark Financial LLC
State: TX

Complaint narrative:
I am filing this complaint regarding Starmark Financial LLC, which is attempting to collect an alleged debt related to XXXX XXXX XXXX XXXX This debt is fraudulent and invalid. I never applied for this loan and never received any funds. I formally disputed this debt in writing on XX/XX/XXXX. I sent additional written disputes, including a final dispute on XX/XX/XXXX. In total, I sent four written disputes requesting validation under the Fair Debt Collection Practices Act. The collector failed to properly validate the debt and failed to respond to my written disputes. The documentation they previously provided does not establish identity or proof of funds received. The alleged agreement explicitly states : This agreement shall not constitute a negotiable instrument. The signature shown is merely an electronic text entry with no IP address, device ID, or authentication linking it to me. The email address and phone number listed in the application are not mine. The bank account listed for disbursement does not belong to me. I never received any money. Despite my written disputes and request for validation, the collector continues attempting to collect the alleged debt. Most recently, they sent a text message directing me to schedule a payment. This constitutes continued collection activity without proper validation in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Additionally, this account continues to be reported to Experian despite being disputed and unverified, raising concerns under the Fair Credit Reporting Act.

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 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In the month of XX/XX/XXXX I requested information for a mortgage loan at Chase bank, I was attended at a branch where they guided me and asked me for all the documentation so that my wife and I could apply, this resulted in a pre-approval by the mortgage department we contacted our realtor and the next thing was that we asked for information from the advisor of the mortgage department to investigate what said property met the requirements to be able to bid, the official in question investigated the property and gave us the green light to bid, we complied with all the requirements that the bank requested in time, for its part the bank continued to request information sent us several correspondences with the conditional approval of the loan and the numbers ; The closing date was set for XX/XX/XXXX, the bank that same day announced that they did not have any document that they requested from the company that manages the condominium association, then the closing date was moved to XX/XX/XXXX and three days before the new closing date the bank officials informed me that they did not it could be closed because the association had not sent the requested document. At this time I immediately request the letter of cancellation of the loan for fear of losing my deposit placed in the house of title of XXXX XXXX dollars and all the expenses attached to this procedure such as appraisal, inspections, etc. The closing date arrived, I did not have the cancellation letter from the bank and the seller, through the contract of sale of the property, executed the date, losing the deposit for an amount of XXXX XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

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 non-monetary relief
Consumer complaint received 2026-03-05 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
{$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX PO Box XXXX XXXX, OR XXXX Re : Account Number : XXXX XXXX To Whom It May Concern : This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), that you are hereby instructed to CEASE AND DESIST from any and all communication with me regarding the above-referenced account. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must not communicate further with the consumer except to : Advise that further collection efforts are being terminated ; Notify the consumer that certain specified remedies may be invoked ; or Notify the consumer that the debt collector intends to invoke a specified remedy. You are hereby directed to immediately stop : Telephone calls to my home, cell phone, or place of employment Emails or electronic communications Text messages Letters, except as permitted under the statute Contacting third parties regarding this alleged debt Be advised that any continued contact beyond what is permitted under federal law will be documented as a violation of the FDCPA and may result in a complaint being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and/or civil action for statutory damages, attorneys fees, and costs. This notice does not constitute an acknowledgment of the alleged debt, nor does it constitute a refusal to pay. It is simply a demand that you cease communication as provided under federal law. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
{$680.00} XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/year> Avant/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : Account Number : * XXXX To Whom It May Concern : This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), that you are hereby instructed to CEASE AND DESIST from any and all communication with me regarding the above-referenced account. Unde r 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must not communicate further with the consumer except to : Advise that further collection efforts are being terminated ; Notify the consumer that certain specified remedies may be invoked ; or Notify the consumer that the debt collector intends to invoke a specified remedy. You are hereby directed to immediately stop : Telephone calls to my home, cell phone, or place of employment Emails or electronic communications Text messages Letters, except as per mitted under the statute Contacting third parties regarding this alleged debt Be advised that any continued contact beyond what is permitted under federal law will be documented as a violation rfrof the FDCPA and may result in a complaint being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and/or civil action for statutory damages, attorneys fees, and costs. This notice does not constitute an acknowledgment of the alleged debt, nor does it constitute a refusal to pay. It is simply a demand that you cease communication as provided under federal law. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VT

Complaint narrative:
Company : Navy Federal Credit Union Product : Checking account / Debit card Issue : Unauthorized electronic fund transfer improper denial and failure to provide documentation under Regulation E I am filing a complaint regarding an unauthorized {$1800.00} electronic fund transfer processed through XXXX XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX ) from my Navy Federal checking account. Timeline and Facts : On XXXX XX/XX/year> XXXX XXXX account was created using my email address without my authorization. A single {$1800.00} transfer was processed. The XXXX account was immediately closed after the transfer. I have never created a XXXX account and did not authorize this transaction. I received a fraud alert text from Navy Federal regarding the XXXX transaction and responded NO, indicating I did not authorize it. Navy Federal denied my fraud claim. Navy Federals denial states that the merchant provided a login ID matching my email address and therefore they determined that I authorized and/or participated in the activity. I have repeatedly requested documentation demonstrating that I personally authenticated or approved this transaction, including : IP address information Device information Authentication method used Any documentation relied upon in determining that no error occurred Navy Federal has refused to provide this documentation and instead responded that they are unable to provide internal information and consider the matter closed. Under Regulation E ( 12 CFR 1005.11 ), when a financial institution determines that no error occurred, it must conduct a reasonable investigation and provide documentation relied upon in making that determination upon the consumers request. The mere presence of my email address does not establish authorization. I did not create the XXXX account, did not authenticate the transaction, and did not receive any benefit from the transfer. I am requesting that Navy Federal : 1.Provide the documentation relied upon in determining that I authorized this transaction. 2.Demonstrate the specific authentication method used to conclude I approved this transfer. 3.Reimburse the unauthorized {$1800.00} transfer if no such authentication evidence exists. I believe Navy Federal has failed to comply with Regulation E investigation and documentation requirements and improperly denied my unauthorized transaction claim.

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 2026-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I have a 15 day grace period until the XXXX of the month to make my payment without being charged a late fee. My payment was processed on XX/XX/year> due to the government holiday on XX/XX/year> and I was still charged a late fee. This is incorrect. I have sent a request in writing and spoke to a live representative that assured me the fee was being waived. I checked my account today and the fee is still there. I was on hold for an hour the last time I called to reach a representative, the chat features keeps you on an extended hold as well and a live person never connects. This fee is an error and I want it removed. The next business day after the XX/XX/year> holiday was in fact the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CAPITAL ONE XX/XX/year>, XX/XX/year> I recently reviewed my credit file and noticed credit applications reported on XX/XX/year> and XX/XX/year> with Capital One that I did not authorize or initiate. I did not apply for credit with this creditor on these dates, and I believe these applications may be the result of identity theft or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
d= '' XXXX '' } I am filing a complaint regarding inaccurate credit reporting by Midland Credit Management XXXX I disputed XXXX accounts that are being reported on my XXXX credit report allegedly associated with XXXX Bank and XXXX. I requested validation and documentation proving the validity of these debts. The accounts were verified without providing any signed contract, proof of ownership of the debt, or documentation showing Midland Credit Management has legal authority to collect. Reporting unverified information may constitute violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that Midland Credit Management provide full documentation validating the alleged debts or immediately delete these accounts from all credit reporting agencies. If the company can not produce the required documentation, the continued reporting of these accounts is inaccurate and damaging to my credi

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a deposit that is made every month on the XXXX of the month for the last XXXX. The XXXX was a Saturday. The bank shows my money being " posted '' to my account on the XXXX. However the bank, doesn't allow me access the funds for 3 days, but the entire time it shows as posted, and it shows on my ledger as " available '' balance. Because the bank has a hold on the funds for 3 days, and does not tell me there is a hold - because it shows available. They bounced my mortgage payment back to my mortgage company, even though they " show the available balance '' on my ledger I never knew the bank held my deposit for 3 days - until today. It is no communicated in the online ledger ... in fact the online ledge shows the deposit as " posted '' and " available. '' It does not show in my statements the money was held, but they do not allow me to access it.

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