vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: MD

Complaint narrative:
I enrolled in a XXXX XXXX training program several years ago. At the time, I believed that my enrollment/program had been canceled and that I no longer had any financial obligation related to the account. I did not receive clear communication indicating that the cancellation was unsuccessful or that a balance remained due. The first email I received regarding this alleged debt was in XX/XX/year>. Until then, I was unaware that XXXX XXXX considered the account active or unpaid. I dispute owing this debt because I reasonably believed the program had been canceled and closed years ago. In addition, I did not meaningfully use the program or services. If the account history and usage records are reviewed, they should show little to no activity associated with the program. After being contacted, I requested validation and documentation regarding the alleged debt, including copies of any agreement or contract. XXXX XXXX later stated that my account was not included in the FTC settlement for cancelled accounts and informed me that the balance remained due despite the dispute. I am also experiencing financial hardship and do not have the financial ability to pay this alleged balance. I am filing this complaint because I believe the debt is inaccurate or not properly owed. I am concerned about negative credit reporting on a disputed account and request a full investigation into the validity of this debt, verification of the account history, and correction or removal of any inaccurate collection or credit reporting information related to this matter. While I dispute the validity of this debt, I am willing to work toward a reasonable resolution or settlement if appropriate documentation is provided and the matter is fairly reviewed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: IL

Complaint narrative:
Attempted to contact Self Inc XXXX via phone over course of the year about Self Credit Card, could not reach an agent; was never mailed card, and charged a fee arbitrarily over a year after opening the account despite trying to close account many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK

Complaint narrative:
I got confirmed as successor of interest after original complaint with CFPB. Then I tried to do a loan modification and it couldn't be processed due to the law firm had a hold on the mortgage cause it was being sold and awaiting sheriff sale confirmation. I called the law firm and they told me they were holding cause I filed bankruptcy and couldn't release. I believe this is called Fraud and also dual tracking and they know exactly what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Complaint Summary I am unable to access my Hyperwallet Pay Portal account in order to receive a legitimate referral payment of {$20.00} issued by XXXX XXXX XXXX XXXX. The issue is that I do not have access to my Unique Identifier, which is required to activate the account and complete login. Without it, I can not : - log into the Pay Portal - use the Forgot Password function - submit the internal support form - complete account activation Support repeatedly directs me back to the Pay Portal system, which I can not access due to the missing Unique Identifier. This creates a closed loop where no resolution is possible through standard support channels. I have contacted support multiple times and received only automated responses instructing me to use the Pay Portal. I am requesting : 1. Manual verification of my identity using my email and referral record 2. Retrieval of my Unique Identifier OR manual activation of my Pay Portal account XXXX. Access to the funds already issued to me ( {$20.00} referral payment ) This issue can not be resolved through the standard support workflow, as access to the required system is blocked by the missing identifier itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Rent Recovery Solutions placed a {$4300.00} collection account on my credit report opened XX/XX/XXXX. I never received any written notice from Rent Recovery Solutions informing me of this debt, my right to dispute it, or that they were attempting to collect it as required under FDCPA 15 U.S.C. 1692g within 5 days of initial contact. I only discovered this collection when reviewing my credit report. I filed a dispute with XXXX on XX/XX/XXXX, which completed on XX/XX/XXXX. XXXX returned a result stating the account " meets FCRA requirements, '' however Rent Recovery Solutions never provided me with proper written validation of this debt nor notified me of my right to dispute prior to credit reporting. I have never been contacted by this company by mail, phone, email, or any other means.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I recently reviewed my credit reports and discovered XXXX and Goldman Sachs/Apple Card accounts that I did not knowingly open or authorize. I was unaware these accounts existed when they were established. Based on my understanding, my father opened these accounts using my personal information without my knowledge or consent. I did not apply for the accounts, did not authorize anyone to apply on my behalf, and did not knowingly use or benefit from the credit extended through these accounts. I became aware of the accounts only after reviewing my credit reports and am reporting them as unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NM

Complaint narrative:
I am disputing a rental debt in the amount of {$690.00} that is being collected by Hunter Warfield on behalf of a former property management company. I moved out of the rental property in XX/XX/XXXX after approximately XXXX years of tenancy. Before vacating, I cleaned the property, performed yard maintenance, and documented the condition of the home through photographs and videos. The property management company retained my entire {$1100.00} security deposit and later claimed additional charges beyond the deposit. I dispute the accuracy and validity of these charges. The damages and cleaning charges appear excessive and include items that I believe are normal wear and tear. The photographs and videos I have from the time of move-out do not support the amount being claimed. On or about XXXX 2026, I sent Hunter Warfield a written dispute and requested validation of the debt, including a copy of the lease agreement, move-in and move-out inspection reports, an itemized accounting of charges, invoices, receipts, photographs, and documentation supporting the amount being collected. I also requested that the account be reported as disputed. To date, the requested documentation has not been provided. Because I have not received sufficient documentation supporting the amount claimed, I dispute the debt and believe Hunter Warfield is attempting to collect an inaccurate amount. I am requesting a full investigation, proper validation of the debt, and correction or removal of any inaccurate credit reporting. My previous last name was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase Bank is refusing to let me get an account open so i can get the funds release to me so the account can be closed from a XXXX succession. They are demanding a 'Letter of Administration , ' which does not exist for a closed succession under XXXX civil law. A final Judgment of Possession was issued and submitted, which legally transfers ownership of the assets. Chase Legal department is unlawfully withholding my property by applying out-of-state common law requirements to a XXXX XXXX '' I want to cash/deposit a check into a personal account that was written to the estate of a decedent and has my name on it as the heir of the decedent. The succession is closed and can not be opened and it states that im the decedent sole heir so I shouldn't need any other documents

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: CA

Complaint narrative:
I am submitting a complaint regarding a medical debt that was sent to collections prematurely while the bill was still being processed through insurance. Debt collector : Revco XXXX XXXX XXXX Revco reference number : XXXX Original provider : XXXX XXXX XXXX XXXX account number : XXXX XXXX ID number : XXXX Amount in dispute : {$1700.00} This bill relates to XXXX XXXX provided by XXXX XXXX XXXX for my XXXX child. I understand that there may be an outstanding balance, but the amount has not been properly determined because the provider has not correctly processed the claim through my primary and XXXX insurance coverage. After receiving statements from XXXX XXXX XXXX, my family and I repeatedly contacted the provider to correct the insurance information on file. There were multiple rounds of back and forth with XXXX regarding the proper primary and secondary insurance coverage. Despite these efforts, the account continued to show incorrect insurance information. The most recent XXXX statement dated XX/XX/year> still shows Primary : None on File and Secondary : None on File, even though insurance information had already been provided. Most recently, on XX/XX/year>, my family re-submitted proof of insurance coverage to XXXX XXXX XXXX and requested that the claim be processed properly through insurance. Since that submission, I have not received a corrected bill, an insurance determination, or a clear explanation from XXXX XXXX XXXX showing that the claim was properly processed. Instead, I received a collection notice from Revco XXXX XXXX XXXX XXXX XXXXXX/XX/year>, attempting to collect the same {$1700.00} balance. The Revco letter states that the debt is owed to XXXX XXXX XXXX and that Revco is attempting to collect the debt. I believe this debt was referred to collections prematurely. The balance is still disputed because the provider has not correctly updated or processed the insurance coverage. I should not be subject to third-party collection activity for a medical bill that is still unresolved due to the providers insurance billing failure. I am not refusing to pay any valid patient responsibility amount. However, the provider must first properly process the claim through insurance and provide an accurate final bill showing the true patient responsibility. Sending the account to collections before completing that process is unfair and has created unnecessary stress and potential credit risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I am requesting a goodwill review of the THD/CBNA account. The account has been paid in full and closed with a XXXX balance. I recognize that the account experienced payment difficulties during XXXX ; however, I have since resolved the obligation. I respectfully request that you consider removing the reported late payments as a goodwill adjustment. The derogatory marks continue to negatively impact my credit profile despite the account being satisfied. I appreciate your consideration and hope you will review my account history favorably

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 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX credit cards XXXX cards And all negative items on my report i have asked mutible times to send me verification as in a wet signature that validates these accounts I keep getting no actual response other then its been verified with no reason or who validated it according to the fair credit act im entitled to have a proper understanding and proof that each account is in fact mine

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing this complaint regarding Capital Ones denial of my fraud claim for an unauthorized transaction totaling approximately {$150.00} following a vehicle break-in and theft incident that occurred on XX/XX/year>. Incident Information : Incident date/time : XX/XX/year> at approximately XXXX Vehicle break-in location : XXXX XXXX XXXX XXXX, Washington, DC XXXX I was parked near XXXX while shopping at XXXX XXXX XXXX XXXX XXXX, Washington, DC XXXX Police Report XXXX : XXXX / XXXX Detective : Detective XXXX Detective Contact : XXXX During the vehicle break-in, my belongings and cards were stolen. I reported the incident and later disputed the unauthorized transaction with Capital One. Capital One denied my fraud claim and stated that the transaction was authorized. However, I dispute this conclusion and do not believe a proper or reasonable investigation was conducted. While attempting to investigate and gather evidence after the incident, I later located discarded cards, including an old Capital One card, near XXXX located at : XXXX XXXX XXXX XXXX # XXXX, Washington XXXX DC. The fact that discarded cards were later recovered does NOT establish that I authorized the disputed transaction. Recovering cards after a theft does not change the fact that my belongings were stolen during a documented vehicle break-in. I also contacted XXXX regarding possible surveillance footage related to the incident and was assigned a case/reference number. However, by the time coordination with law enforcement occurred, the footage had already been deleted pursuant to XXXX retention policies. I am including this information to demonstrate my efforts to investigate and document the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint regarding Bank of America 's handling of a dispute involving an unauthorized debit card transaction in the amount of {$680.00}. Claim Number : XXXX On XXXX XXXX, 2025, I reported an unauthorized debit card transaction to Bank of America and opened a dispute claim. The transaction was not authorized by me, and I promptly notified the bank after discovering it. The financial institution that received the funds subsequently confirmed that the transaction had been reversed ( reversal ) on XXXX XXXX, 2025. Despite this confirmation, Bank of America has neither credited the funds back to my account nor provided a provisional credit while the investigation remains ongoing. As of today, the dispute is still open. I have contacted Bank of America multiple times seeking information regarding the status of the reversal, the location of the funds, and the reason why no provisional credit has been issued. However, I have not received a clear explanation or a satisfactory resolution. Given that the dispute has remained unresolved well beyond the initial investigation period, I am requesting that Bank of America : 1. Confirm whether the reversal processed on XXXX XXXX, 2025, has been received. 2. Explain why the returned funds have not been credited to my account. 3. Explain why a provisional credit was not issued while the investigation remained open. 4. Provide a complete status update regarding the dispute investigation. 5. Return the disputed funds if they have already been received by Bank of America. I respectfully request that Bank of America conduct a thorough review of this matter and provide a formal written response explaining the handling of this claim and the status of my funds. Thank you for your assistance.

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 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: MD

Complaint narrative:
My business checking account has been unjustly frozen, and my company 's operational funds totaling {$23000.00} are being withheld by Relay Financial and XXXX XXXX without cause or due process. On XXXX XXXX, 2026, my business received a standard, automated notification from Relay Financial regarding transaction limits. There was no request for compliance documentation, nor any violation of terms. However, the customer support team erroneously flagged this normal notification as a compliance issue and completely restricted my account. I opened support tickets to resolve this administrative error. On XXXX XXXX, 2026, I formally requested that the issue be escalated to a senior supervisor or the Compliance Management Team, as my business is in full compliance with all banking terms. Since then, Relay Financial and XXXX XXXX have ceased all communication and continue to hold the {$23000.00} hostage. This unjustified restriction by Relay Financial and XXXX Bank is severely impacting my business 's cash flow. I am requesting immediate intervention to compel them to either : Immediately lift the erroneous restriction and restore full access to the funds, OR Formally close the account and immediately disburse the full remaining balance via a cashier 's check to the registered business address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I disputed a charge made on my card from metallica. I had bought tickets to a show happening in XXXX of next year. XXXX revoked my tickets without warning and without issuing a refund. I disputes with chase confident that they would handle the situation. They have failed miserably. I have provided evidence from my ticketmaster account showing the ticket that was revoked. And yet my disputes continue to be denied and improperly handled by chase. I wont pay for something that i didnt not receive the service from. If chase does not resolve the issue i will pay off my balance to the exact amount that the tickets costs and close my chase account. I will not pay that amount for a ticket thay was taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: CA

Complaint narrative:
I financed a XXXX XXXX XXXX for {$3000.00} through Klarna in XXXX XXXX XXXX The program advertised approximately XXXX year of access to training materials and services. However, my access was terminated after only a few months, despite the fact that I was still making payments on the financing agreement. After losing access, I repeatedly attempted to contact the merchant to resolve the issue and regain access or obtain a refund. The merchant stopped responding to all communications and appears to have ceased operations. I have been unable to reach anyone by email, phone, or other available contact methods. I then contacted Klarna and attempted to dispute the transaction. The dispute options available through the Klarna app did not accurately describe my situation because this was not a case of simply not receiving a product. I initially received access, but the service was terminated long before the promised access period ended. Despite explaining this, Klarna denied my dispute and continued to hold me responsible for the remaining balance. I continued making payments while attempting to work with Klarna in good faith and hoping the matter would be escalated and properly investigated. I requested information regarding the dispute process, Klarna 's investigation, and why I remain responsible for the debt when the merchant failed to provide the services purchased. I did not receive a satisfactory explanation. I am requesting that Klarna conduct a full review of this matter, suspend any collection activity while the dispute is pending, and provide appropriate relief for services that were not delivered as promised. I also request a clear explanation of the basis for denying my dispute given that the merchant is nonresponsive and appears to be out of business.

Company response to consumer: Closed with explanation