vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: TN

Complaint narrative:
I have a commission in my account and I asked for evidence confirming that its my debt between me and them and I didnt get that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am a Chase Sapphire Reserve cardholder. On today 's date ( XX/XX/year> ), I called the Chase phone number listed on the back of my card seeking assistance with resolving an issue pertaining to a benefit entitled " Price Match Guarantee. '' I called seeking to pursue this benefit, and was looking for assistance because the benefit was not appearing on my account, even though it is available to various others with the same level card according to publicly available information. I was told by a representative from the escalation desk ( whose name I have but am politely choosing not to list here ) that she was unable to assist me if the benefit was not available on my account. I asked for her to override this issue and make this offer available to me, to provide me with a link to submit a claim for the price match, or to ensure that my account is included in the rollout. She informed me that she could do none of these, that there was no way to circumvent this issue, and there was absolutely no one else that she reported to or was adjacent to that she could transfer me to who could assist me further, and that my only option was for her to submit a formal complaint, which I have done in the past with Chase all to no avail. She did not and would not ( even when I asked ) provide me with any other courtesy to resolve my issue. She also refused multiple times to transfer me to anyone else who could handle this escalation, saying repeatedly that she was the " highest level '' of travel escalations. Further, when I asked for rationale as to how accounts were being selected for the rollout of this benefit, she could not provide me with any information other than that it is being done in " phases '' and had no other information to provide, and that again, no one was available to offer me any other explanation. I looked it up and I know the hotel I wish to book qualifies for this benefit, and I am unable to pursue it because Chase is unfairly selecting certain accounts for this " rollout '' which I was advised started on XX/XX/year>. Chase was unable to justify when asked why certain cardholders were able to pursue this benefit and others were not. The fact that this benefit is available to certain cardholders and not others for months at a time is not only infuriating, but seemingly illegal/contractually violating given that the fee for ALL Chase Sapphire Reserve cardholders is $ XXXX and only some cardholders are able to take advantage of this benefit and not others, all at some secret discretion by Chase that is not being communicated or rectified by Chase in any capacity .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> Wells Fargo closed my second account sighting excessive disputes. However the merchant billed my account in increments and then could not verify my account and deleted it along with all charges. I went to Wells Fargo for help and instead of helping me they closed my account. Not even asking for a reason of dispute and my situation. I have been a customer of theirs for at least 10 years and have always been paying my bills on time. I expect the company to assist me and not to punish when problem arises. They also transferred me to a supervisor who was supposably able to reopen my accounts and he said he could not.

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 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
On XX/XX/2026, I submitted applications through StudentAid.gov to consolidate my federal student loans and enroll in a new Income-Driven Repayment ( IDR ) plan after my previous repayment plan was impacted by the discontinuation of the SAVE program. On XX/XX/2026, StudentAid.gov showed that my application information had been transmitted to my loan servicer, XXXX. However, when I contacted XXXX, representatives stated they had no record of either application. I subsequently contacted Federal Student Aid ( FSA ) and was told that processing could take up to 30 days. Despite waiting beyond that timeframe and continuing to check my application status, no updates have been provided and XXXX still has no record of my applications. During my communications with FSA customer service, I repeatedly received the same response that processing could take up to 30 days. When I requested escalation to a supervisor for additional information, I was told that no one else would be able to provide different information. Because of these processing and communication issues, I have been unable to enter a repayment plan and make qualifying PSLF payments. I have now been unable to make PSLF-qualifying payments for more than two years due to a combination of deferment, application processing delays, and lack of clear communication regarding my account status. I am requesting an investigation into the status of my consolidation and IDR applications, clarification regarding the delay, and assistance in restoring my ability to make qualifying PSLF payments as soon as possible.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MD

Complaint narrative:
I received a notice from CashApp that I have violated their terms of service for suspected gambling. I requested documentation listing the transactions in violation ; however, CashApp is refusing to provide it to me. The company will only say that I have violated the terms of service but not which transactions or how.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Someone fraudulently opened a XXXX credit card account under my name. They opened it as a business account. The account was provided by Citibank and XXXX XXXX XXXX. Both suppliers refuse to communicate with me in any way regarding this act of fraud. Previously XXXX XXXX XXXX admitted that their database was computer hacked, and that my ID information was accessed as one of the victims by the hackers.

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 2026-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I received a debt collection notice I responded back disputing the amount and information with communication and proof the amount being charged against me is incorrect. I asked for vendor receipts for repairs and items purchased for replacement and nothing was provided. I have picture of no damages and communication with the company on the disputes back and forward but hunterwarfield still reported it to my credit report while things are in dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
In XXXX my son had a XXXX XXXX at XXXX XXXX XXXX XXXX. I was given a balance to pay in advance and we paid it in full which was {$480.00}. XXXX of XXXX that amount was refunded with no explanation or warning. Around XXXX or XXXX that same year I got a notification on XXXX saying I now had a balance of {$720.00}. I immediately called XXXX billing to find out what happened. I was told directly by their billing department that it was something internal and I had a balance of {$0.00}. A few weeks later I started getting multiple calls about when I was going to pay the {$720.00}. I explained everything from the prepayment and the original call I made to the billing department and I was informed that the insurance takes a long time to decide if it is covered or not. On my XXXX for the procedure it was noted that they failed to get prior authorization. They say their copy has the pre-authorization but i don't have that. I have called XXXX billing to try and negotiate the bill and after getting the runaround for nearly 40 minutes trying to get a supervisor they informed me that because it was already sent to collections there was nothing they could do. I also reached out to the debt collection agency to negotiate on my behalf and I just got a letter saying I owe the full amount with no explanation of what took place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint against JPMorgan Chase regarding an unresolved refund for an Additional Card annual fee and the treatment I received at a Chase branch. I closed my authorized user/additional card and was informed by Chase that the annual fee associated with that card would be refunded within approximately two months. More than two months have now passed, and I have not received the promised refund, nor have I been provided with any explanation regarding the delay. On XX/XX/year>, I visited a Chase branch seeking assistance with the status of my refund. The branch employees informed me that they could not assist with the issue and that I would need to contact customer service by phone myself. When I asked what would happen if I could not immediately resolve the matter by phone, I was told that if I did not contact customer service, my account could be closed and I might lose the ability to recover the money owed to me. I found these statements concerning and intimidating. Rather than helping me resolve the issue or escalating the matter, the branch employees refused to assist further. I am requesting that Chase : Investigate the status of my Additional Card annual fee refund. Issue the refund that I was previously promised. Provide a written explanation for the delay. Review the conduct of the branch employees and determine whether appropriate customer service procedures were followed. Ensure that customers are not threatened with account closure or loss of funds when seeking assistance regarding refunds. I have made good-faith efforts to resolve this matter directly with Chase but have been unable to obtain either my refund or a clear explanation. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I am a homeowner in XXXX XXXX, Florida ( Case # XXXX ). My mortgage was previously serviced by LoanCare/Lakeview, during which time a foreclosure lawsuit was initiated. Prior to the final resolution, my mortgage note and servicing rights were sold and completely transferred to XXXX XXXX. My new servicer, XXXX XXXX, has approved me for a formal repayment plan, which I am actively performing under. However, XXXXLakeviews retained foreclosure law firm is actively pursuing a Sheriffs Sale on my primary residence scheduled for XX/XX/year>. I have repeatedly attempted to contact the plaintiff 's legal counsel to provide proof of my reinstatement agreement with the current note holder and coordinate a cancellation of the sale, but the firm is completely ignoring my communications. Pushing forward with a foreclosure sale on a loan that has been transferred and has an active workout plan with the new servicer is a severe violation of CFPB dual-tracking restrictions and Real Estate Settlement Procedures Act ( RESPA ) Regulation X guidelines.

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 2026-06-10 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX MIDLANDCRE XX/XX/year> Account in Number : XXXX Amount : MIDLANDCRE MIDLANDCRE - XXXX : {$930.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Credit & Collection Corporation
State: MD

Complaint narrative:
On XX/XX/year>, I went to my primary care physician at the time, XXXX XXXX. As I was waiting for my appointment, I was notified about a family emergency. Instead of leaving, I stayed for my appointment. I was very shaken up and was having a XXXX XXXX. Instead of asking me any questions, XXXX XXXX automatically assumed it was a XXXX XXXX. So instead of giving me time to breathe, I was told that I needed to go to the XXXX as soon as possible and I could not leave. XXXX XXXX XXXX was slightly elevated and I was able to correct it once I finally got home. Instead, I was told by the doctor that she could order me an XXXX or have an ambulance come and get me. I believe I was put in a very unnecessary position and to this day, I am having trouble making any doctors appointments. I did end up going to the XXXX, only for my blood sugar to be stable and was treated for XXXX. I did NOT want to go to the XXXX, but was pressured. XXXX XXXX caused so much unnecessary stress for me and my family. I refuse to pay this bill. For XXXX, my insurance should have covered this. Also, I should have never been intimidated and threatened by a medical professional when I could have just gone home to correct my XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-06-10 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
This account is on my credit report. I did not open it. It is there along with other. I have been hacked. Along with my credit they have gotten some personal information along with my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SPRINGOAKCAP XX/XX/year> Account in Number : XXXX Amount : SPRINGOAKCAP SPRINGOAKCAP - XXXX : {$3900.00} To whom it XXXX concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: UPGRADE, INC.
State: PA

Complaint narrative:
This account is on my credit report. I did not open it. It is there along with other. I have been hacked. Along with my credit they have gotten some personal information along with my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
" On XX/XX/year>, my TD Fit Loan was paid off. Following the payoff, an unauthorized, recurring automatic payment drafted an extra {$310.00} from my account. TD Bank , N.A . has failed to send me a formal 'Paid in Full " statement. Furthermore, my online portal shows the loan as closed but completely hides the credit balance. I have called TD Bank numerous times over the 2 months that they have been holding my money. The customer service phone representatives have been giving me a run around and a different story every time I call. They have explicitly stated to me that they can see the {$310.00} over payment internally, but claim they 'do not have an answer ' on when it will be returned and stated that this glitch 'is happening to many people. ' TD Bank is currently holding my funds in violation of Regulation Z ( Truth in Lending Act ) requirements regarding timely refunds of consumer credit balances. I demand an immediate refund of my {$310.00} and a formal closing statement. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
opened a dispute or just under {$300.00} on my checking account when I purchased a XXXX deal at XXXX which ended up being a shipping label and ship a box I had that was XXXX lb and within the dimensions they were advertising for their sale of {$39.00} as long as your items being shipped is XXXX lb and under and within these dimensions then you can send the box anywhere within the lower XXXX states. So that's what I selected and I checked out as a guest because to sign up and for them to keep your information you must be charged whatever they charge you for basically a subscription. I have no use for a subscription therefore I did not select to open it an account I just wanted to purchase my label so I can ship my singular box. The box was only being sent from XXXX XXXX to XXXX over a XXXX period by regular ground shipping, the cheapest available and was not sent freight. The fact that them charging me {$300.00} for such a shipment not bringing up alarms in my mind is a little crazy and I can't believe my own bank does not have my back in this. I disputed the charge because originally it did show the {$39.00} and not 2 days later it was reflecting the final amount which is being disputed just under {$300.00}. I then went back to the website to get the information and recreate a ticket to show them exactly how much it cost without making an additional purchase for no reason but to do so I was forced to open a paid for account just to make this happen. So I had to go to their regular shipping department and enter the dimensions of the box, the exact same address it was coming to and going from, everything was 100 % identical. I was instructed to do this by the bank and was told it was the one way they'd reopen it and at this point I feel like I'm trying to get my enemy to investigate my money that no one else had the rights to but they were fully backing them. First, being {$300.00} to send something 3 hours away is absurd by regular ground considering the dimensions as I know not 1 person at wells fargo has ever sent a package at such dimensions and was ever charged more than XXXX to XXXX dollars so why they would think I should is ridiculous. Again it wasn't shipped freight and if it was, I can ship something hundreds of lbs across the country freight for less than XXXX. It don't make any sense but after doing exactly what they asked to the T, still nothing. I don't know what to do. I don't understand how they even rationalize this. I did precisely as asked and opened a pay for account just to show you what I'd been saying from the beginning and still have not had this matter handled.

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