vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I took a flight. I am XXXX. I did not receive the seat I booked, which was required to be a handicapped seat with foldup armrest. Capital One obviouslty refused to investigate this. I emailed them my boarding pass as well as emails from the carrier. Capital One then closed my case saying " I didn't provide the requested documents '' so this is funny because A. they never actually made any request, they simply opened my case then closed it and B. I actually did supply this. I am really, really tired of Capital One. I have used these cards for 15 years and every time I have a valid dispute they clearly do not do any investigating at all. So Capital One, provide to me and CFPB proof that you contacted the merchant and show me their response. Let 's see it OR you can actually credit me since I paid for a handicapped seat and wheelchair access and received neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I have accounts in SoFi bank. My entire paycheck is deposited there on the XXXX and XXXX of each month. On occasion I will overdraw my accounts- up to my limit ( i think it's XXXX ). The negative balance is ALWAYS covered by my direct deposit and has never resulted in any of my accounts with SoFi to be written off for non payment. On XX/XX/year>. I attempted to make a cash deposit ( in the amount of XXXX ) at a local store that takes cash deposits for banks like this. I was not able to make a deposit. This was not the first time, I had experienced this, but the first time I wrote it off as a system error. So after the 2nd occurrence, I decided to call SoFi and find out why I was not able to make a deposit. I informed the rep that my account 's were indeed negative- but this deposit would resolve that and allow me to transfer funds to my landlord to make a timely rent payment. The representative told me that unfortunately there is no way to pay a negative balance off by deposit and I would not be able to make a cash deposit until my account is no longer negative. She handled me like I my account was closed or written off- which was in no way the case. My direct deposit will be deposited in the account in less than 5 days- and has consistently been deposited into this account without fail on the XXXX and XXXX of each month, for at least the last 3 months. I was attempting to deposit my rent money to pay my rent and it was not allowed. My knowledge of banking regulations is a bit rusty - but off the top of my head I think this practice violates more than one banking regulation. Reg D, Reg CC and possibly Reg E and Reg F ( Fair Debt Collection Practices Act ). What type of bank BLOCKS an ESTABLISHED customer from making cash deposits. Especially, cash deposits that would remove any negative balances, bringing the account into good standing. I asked to speak have the call escalated to a supervisor, hoping I could speak to someone with a little better training on the regulations that they feel gave them the right to do this. I was told someone would get back to me- which no one did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I coach soccer and often do private sessions. I was referred to someone wanting soccer sessions from the club I work for in XXXX XXXX, KC Legends. They forwarded an email to me and I spoke to the person on the phone, everything seemed legit! I was told I was getting an electronic check the next morning which I did and deposited. A few minutes after the scammer called me and said he deposited more than we agreed and asked for some funds back. I immediately called the bank and told them what happened and was probably a fruad. They told me not to worry and the check would either clear or bounce out of the account. I asked if I needed to take extra steps to protect myself and was told NO! A few days went by and they locked my account saying it was to protect me. Should be all good in a few days. That turned into a week and after many calls and never getting the same answer they closed my account without even telling me!! I called this morning to clise the account as I am super frustrated and was told they already closed it. This is unacceptable I feel like. I was not properly instructed in how to proceed, was given false explanation and account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Comerica
State: PR

Complaint narrative:
I've been having problems for a long time. I've tried to transfer money to my bank account at XXXX XXXX XXXX XXXX XXXX, and they demand documentation that I've submitted several times, but they keep denying it. I explain that the documents I send come from my bank and are the only documents they provide. But XXXX XXXX doesn't seem to understand that this is all my bank offers its clients, and it's frustrating. Since XX/XX/year>, I've been trying to validate the documents to transfer money to my bank account, but as of today, XX/XX/year>, they haven't been able to help me. I need help filing this complaint because it's getting too much for me. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: MD

Complaint narrative:
I have been experiencing ongoing issues with the handling of my mortgage payments by my loan servicer. In XX/XX/year>, I made a payment of {$2000.00}, which has been held in a suspense account for several months and has not been properly applied to my loan. In addition, I made a payment of {$2700.00}, which I clearly submitted as a principal-only payment. However, this amount was applied as fees without my authorization. This amount has already been withdrawn from my bank account. I have contacted the company multiple times by phone and email over the past four months to request an explanation and correction. However, I have not received any clear or consistent explanation, and my emails have gone unanswered. The company has failed to properly apply my payments and has not corrected the issue despite repeated attempts to resolve it. I am requesting that the company immediately correct my account, properly apply all payments to principal, remove and refund any unauthorized fees, and provide a clear written explanation of how my payments were handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silenceXXXX XXXX XXXX XXXX ( mo ) 281 SW 715,719 1 Presume that no proof of that alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EGL US, LLC
State: GA

Complaint narrative:
I have a few fraudulent items on my credit report under the code 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint regarding the wrongful closure of my business checking account by Capital One on or about XX/XX/XXXX. Capital One claimed that I deposited a fraudulent check originating from XXXX XXXXXXXX XXXX This claim is inaccurate and has not been supported with any verifiable documentation. At the time of the alleged transaction, I was residing in Ohio and have never been to XXXX XXXXXXXX XXXX Despite multiple requests, Capital One has failed to provide : A copy of the alleged check Deposit details, including date, location, or method Any documentation linking me to the alleged fraudulent activity This is not the first issue involving my identity. As early as XXXX, there was suspicious activity involving my identity connected to a XXXX transaction. Capital One failed to properly investigate or resolve that matter. The closure of my account without proper verification or evidence has caused : Business disruption Financial hardship Reputational damage I am requesting : 1. Full documentation supporting the fraud allegation 2. A detailed explanation of how this determination was made 3. Appropriate resolution for damages caused by this wrongful account closure

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have been a Wells Fargo customer on and off since XXXX. My most recent account had been open for approximately one year. This issue stems from a single check that I mistakenly attempted to deposit. The check had been voided after being scanned through the issuers system, which applied a visible VOID watermark across the document. This rendered the check non-negotiable. The check was not altered, forged, or fraudulent. Upon recognizing the issue, I immediately contacted the issuer and requested a replacement check. A new check was issued. I have email communications and documentation from the issuer confirming that the original check was voided, that no fraud occurred, and that no financial loss resulted. The check was never successfully deposited, and I did not receive any funds. I have been experiencing documented memory loss and cognitive impairment following a XXXXXXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX. As a result, I inadvertently attempted to deposit a business check into my personal Wells Fargo account when it should have been deposited into my business account at another financial institution. This was an honest mistake and not intentional misconduct. Upon realizing the error, I went to a Wells Fargo branch at the first available opportunity to correct the situation. Despite this, my account was restricted and ultimately closed. I was not provided a meaningful opportunity to explain or resolve the issue prior to closure. During this process, I was also restricted from making deposits and from accessing functionality within the Wells Fargo mobile application, without clear explanation. At no time did I receive funds from this check, and no financial harm occurred to Wells Fargo. Despite this, the situation appears to have been treated as suspected fraud, which is inaccurate and unsupported by the facts.

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 non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: FL

Complaint narrative:
My bank account receives my Social Security retirement payments. In XX/XX/year>, a debit adjustment of {$5800.00} was withdrawn from my account. The bank told me the withdrawal was made by the Social Security Administration, but SSA confirmed they did not deduct or withdraw any money from my account. The funds are missing and neither the bank nor SSA can explain the transaction. I am requesting an investigation and the return of my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
Starting in XXXX, freedom mortgage, the company that services my loan tacked on an escrow account to my account bringing up my mortgage payment by hundreds of dollars a month. They claim this was due to athe company that services my loan tacked on an escrow account to my account bringing up my mortgage payment by hundreds of dollars a month. They claim this was due to a lack of coverage, even though I have sent them proof and have documents that show that I have had coverage and there have been no lapses in coverage for my dwelling this has been going on for several years and Ive tried to mediate with their parties to no avail. Im now reaching out as they performed another escrow analysis where it seems that they have purchased for me yet again another insurance policy for three times the price that Im paying on another policy that ensures the same property. It is impossible to reach them via phone. I get routed to XXXX were not a single representative can can help in any meaningful way, besides putting more and more tickets in leaving me in the purgatory of conflict resolution. They use deceptive tactics by continuously purchasing insurance plans, and keeping my escrow account negative making it such that it cant be closed. By holding me to a negative balance and having a policy where an account can not be reviewed unless as a positive balance, they hold me hostage to undo and unfair processes.

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 2026-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
This complaint is an extension of my previously filed complaint ( No. XXXX ). This matter has not been resolved. PennyMac has negatively reported a late payment on my account, despite informing me that no such reporting would occur while this issue was under review. To date, the matter remains unresolved. This company fraudulently coerced me into signing a refinance mortgage contract that contained incorrect escrow and tax figures, resulting in my being required to pay several thousand dollars more than originally agreed upon. They are now claiming that I am late on XXXX mortgage payments, even though no new mortgage contract has been drafted and this issue has not yet been resolved. When I log into my mortgage portal, there is no dollar amount listed to initiate a payment. No new terms or conditions have been communicated to me in writing, and no adjustments have been made to reflect the originally agreed-upon mortgage payment amount. In summary, no resolution has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am disputing the adequacy of your investigation and response. Your prior reply fails to meet the obligations required under 15 U.S.C. 1681s-2 ( b ), as it provides only conclusory statements of verification based on internal or third-party business records without producing competent evidence of contractual liability. Specifically, you have not provided : XXXX. A signed credit application or cardholder agreement bearing my authorization XXXX. Complete chain of title from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX. Itemized transactional records independently tied to me beyond data matching XXXX. Evidence of a reasonable reinvestigation beyond system-level verification Merely stating that account data was verified does not constitute a reasonable investigation under the FCRA. The information remains disputed and unsubstantiated as reported. I am demanding that you either : Permanently delete the tradeline from all consumer reporting agencies, or Produce full documentary evidence sufficient to establish legal obligation and reporting accuracy under FCRA standards Failure to meet these requirements will be treated as continued reporting of inaccurate and unverified information under the FCRA. I requested that validation based off of the FCRA. A debt must be properly verified through the FCRA prior to putting on my credit report and can not be validated while on my credit report. Portfolio recovery services have not provided the flow agreement transfer assignment bill of sale and the original contract. I submitted a request to the CFPB which was closed on XX/XX/2026. Portfolio recovery services have only provided a bill of sale and a statement. Insufficient validation. Transaction list is not proof of liability or ownership. No signed agreement or chain of title provided. Reporting violates FCRA. Delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: NY Community Financial, LLC
State: NY

Complaint narrative:
I went to get a money order at XXXX XXXX XXXX XXXX # XXXX at XXXX XXXX XXXX, XXXX NY XXXX. I had gotten a {$700.00} money order and was charged a {$28.00} unload debit card fee. And {$2.00} for another fee. I was clearly overcharged with the {$28.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
This situation has been ongoing for years. Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to file a complaint regarding the collection activity initiated by CREDIT COLLECTION SERV concerning account number XXXX. This account has recently appeared on my XX/XX/XXXXcredit report. I want to be clear that I am not disputing the existence or accuracy of this account at this time. Instead, I am formally requesting a full validation of this alleged debt as is my right under federal law. To adequately validate this debt, I require comprehensive documentation. Please provide a copy of the original agreement or contract that established this debt, as this is crucial for me to understand the terms and conditions under which the debt was incurred. Furthermore, I request statements or records from the original creditor that clearly support the outstanding balance of {$170.00}. A generic account summary or an internal record generated by your company will not be sufficient for validation purposes, as it does not provide the necessary original creditor detail. Additionally, I require documentation demonstrating a clear chain of title or assignment showing that CREDIT COLLECTION SERV has legal ownership of this debt or has been granted the proper authority to collect on it. This should include all assignments from the original creditor to any subsequent debt buyer, culminating in your company. I also request specific details regarding the account, including the date it was opened, the date of the last payment made, the date of first delinquency, and a complete itemization of any fees, interest, or other charges that have been added to the original principal balance. Finally, if required by the laws of my state, Illinois, please provide proof of your company 's authority to collect debts within this jurisdiction. Should your company be unable to provide the complete documentation necessary to validate this debt as outlined, I expect all collection activity to cease immediately. Furthermore, if validation can not be provided, I request that this account be promptly removed from all consumer reporting agencies, including XX/XX/XXXX, to reflect that the debt could not be substantiated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I submitted multiple loss mitigation applications to Shellpoint Mortgage Servicing and timely provided all documents requested. Despite this, Shellpoint repeatedly delayed review, cancelled completed applications without explanation, returned goodfaith payments, and failed to issue a written loss mitigation determination. Foreclosure proceedings and related fees were initiated and continued while my application remained under review. I have submitted a formal Notice of Error and Request for Information disputing these servicing failures, yet foreclosure activity and fees remain pending. Shellpoints conduct raises serious concerns regarding compliance with Regulation X loss mitigation and dualtracking requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
BC services sued me for settlement without ever notifying me. Now they refuse to set up a payment plan I can afford. When asked if I could make payments lower the the amount requested I was told essentially that yes but payments would not stop them from garnishing my wages.

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