vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MD

Complaint narrative:
I am filing a formal complaint regarding inaccurate and unverifiable credit reporting and improper debt collection practices related to an alleged membership account with XXXX XXXX that was placed into collections by First Credit Services. This account is inaccurate because I made multiple documented attempts to cancel my XXXX XXXX membership prior to any alleged balance being incurred. Despite these cancellation attempts, the gym continued to assess charges and failed to properly terminate the membership. As a result, the amount now being reported does not represent a valid or enforceable debt. First Credit Services is currently reporting this account as a valid collection item after stating it was verified through a credit bureau dispute. However, no actual documentation validating the debt has ever been provided to me. I am requesting that the CFPB investigate the practices of both XXXX XXXX and First Credit Services regarding : XXXX. Reporting and collecting on a debt that includes charges after cancellation attempts XXXX. Failure to provide proper validation of the debt XXXX. Inaccurate reporting of a disputed consumer account XXXX. Potential violations of the Fair Credit Reporting Act ( FCRA ) for reporting unverifiable information XXXX. Potential violations of the Fair Debt Collection Practices Act ( FDCPA ) for continued collection without proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One Card opened without my consent using a different first name than my legal name. But my full correct social security number on XX/XX/XXXX. Card overdrawn XX/XX/XXXX XXXX card was created while on XXXX mobile app and noticing personal credit score had tanked. Capital One notified XX/XX/XXXX and I was told it would take 90 days for fraud department to shut down the card. Called Capital One again XX/XX/XXXX because card had not been deactivated and was now further overdrawn from {$140.00} to {$500.00} from overdraft fees. Contacting CFPB XX/XX/XXXX in an attempt to get the capitol one card cancelled and charges taken off my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 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: FL

Complaint narrative:
Noticed a fraud charge on my online account. I was prompted to call XXXX number which I did on XX/XX/year> around XXXX eastern time. After waiting to speak to a first customer service person, they spent a lot of time taking my information and unable to help me. They tell me to call back after all this time was spent. I explained I was unable and if I could send my dispute either thru the app or online and they refused and kept repeating I have to call back. I them ask to speak to a manager. I wait again on hold and finally speak to person # XXXX who spends time collecting the same info as I just gave the previous person who also couldn't help me. I asked them if they were a manager ( as I requested ) and they said no and that they were from dispute department - THE SAME DISPUTES department I was previously told repeatedly was closed. I am then made to wait on hold again and connected to a Fraud department to process my dispute. The whole ordeal took XXXX minutes and had I been connected to the proper department to begin with and not given FALSE info about the dispute department being closed then my time would not have been wasted in this way. It was also inappropriate for them to insist I contact dispute department when they could have connected me to fraud department to begin with seeing that the dispute department was unable to help me I then tell the fraud department I want to file a complaint. They provide me no detail or assurance that my complaint will be taken seriously nor could they articulate their complaint process when I asked them for next steps regarding my complaints about mishandling of my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
They provided the escrow analysis and the property tax amounts that they stated were for this escrow year were grossly incorrect. I went directly to the township and sent over the previous years as well as the current year to mortgage company- clearly showing that the amount they are charging us is incorrect. They continue to charge us over {$800.00} a month more per month. They also dont allow us to pay less while they get issue corrected which is putting us in significant financial hardship. Additionally we were never notified that they purchased the mortgage from original mortgage servicer so there was mass confusion in payments initially as well. So as of today, I have 4 documented inquiries to them asking for a status of correction and payment overage status and they continue to only respond with resolved in messaging and telling me its being looked at. This is horrible what they are doing and how they are dragging their feet with correcting this for nearly 3 months. Our next mortgage payment is due and it is still XXXX more than it should be and they wont even tell us where this extra money is going once it finally gets corrected. Also please note that there is over a {$5000.00} difference in the tax amounts so they do a standard response back of the fact that it has to be a difference in excess of what they warrant enough to do a new escrow analysis which is {$1000.00} difference and this is well above that threshold but still wont do a new analysis. This is absolute robbery and I am reaching out in desperation for help to get this resolved and investigate the process in which we are with them as our mortgage servicer in the first place.

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 2026-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CrossCountry Mortgage LLC
State: CO

Complaint narrative:
I HAVE CALLED AND TRIED TO RESOVE THIS SEVEAL TIMES AND. YOU CAN'T GET A STRAIGHT ANSWER. PEPOLE RAISE THEIR VOICE HANG UP ON YOU DONT WAN NA TALK TO YOU. THEY TALK DOWN TO YIU. THEN WHEN YOU GET SOME WHO ACTUALL WANT TO HELP YOU THEY DONT DO WHAT THEY SAY THERE GON NA DO. I HAVE SEVERAL RECOREDED CONVERSATION FROM SEVERERAL PEOPLE TELLING ME WHAT NEED TO HAPPEN. AND NOTHETHING IS EVER THE SAME THING. I MADE PAYMENT SET UP WITH YOUNG LADY BEFORE THIIS WENT TO FORCLOUSER. AND I HAVE THE CONVERSATIONTION RECORDED BUT CROSS COUNTRY DID NOT STAND BY IT. EVER TIME YOU TALK TO SOME NOBODY HAS A STRAIGHT ANSWER, YOU GET XXXX TALK. I STARED TO SEND PAYMENT TO PHYSCICAL ADDRESS THROUGH XXXX SO I HAVE DOCUMENTION.THAT THEY RECECIVED THEM BECAUSE THEY HAVE BEEN SIGNED FOR THE LAST TWO PAYMENT WERE SIGNED FOR BUT HAVE NOT BEEN PROCESSED. AGAIN, ME MY SELF HAVE SEVERAL CONCERSIONS RECORDED WHERE IVE TRIED TO SETTELE THIS. I HAVE An AGREEMENT TO WHERE MADED BEFORE THIS WENT TO FORCLOSER.I HAVE TWO BANK THAT REFUSE TO ISSUE ANY KIND OF PAYMENT METHOD TOWADS CROSS CROUNTRY. XXXX XXXX FROZEN MY ACCOUNT SEVERAL TIMES BECAUSE THEY THOUGHT I FRAUD WAS BEING COMMITIED. I JUST CANT GET A STRAIGHT ANSWER FROM THEM AND THE SAD PART IS THIS ANT THE FIRST TIME THIS IS HAPPENED

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
This is a follow-up to complaint XXXX filed XX/XX/year>. LoanDepot continues to refuse cancellation of PMI on loan XXXX despite meeting all requirements for XXXX XXXX XXXX. LoanDepots own XX/XX/year> letter confirms my LTOV is 79.7 % ( below 80 % of original {$390000.00} purchase price ). Perfect payment history ( never late ). Made the exact {$1200.00} principal curtailment they required on XX/XX/year>. Sent multiple secure messages since XX/XX/XXXX with XXXX substantive replies. Opened multiple separate case numbers while stalling ( XXXX, XXXX, XXXX, and others ). XXXX XXXX CFPB deadline was missed on XX/XX/year>. On XX/XX/XXXX they requested and received an extension to XX/XX/year>. I decline any BPO, appraisal, or extra payment. I meet every requirement for immediate PMI cancellation under the Homeowners XXXX XXXX and Fannie Mae guidelines. Requested resolution : 1. Immediate cancellation of PMI. 2. Refund of all PMI premiums paid since XX/XX/year>. 3. Written confirmation of the cancellation effective date and 78 % automatic termination date. I have attached screenshots of the XX/XX/XXXX letter, my messages, their holding replies, multiple case numbers, and the extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
XXXX XX/XX/year> Disputed 3 times company is showing fake delivery details I showed real tracking they keep siding with merchant XXXX XXXX XXXX Also showing counterfeit merchandise and other consumers report same problem no delivery fake product and fake delivery confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: Early Warning Services, LLC
State: LA

Complaint narrative:
I am disputing inaccurate information being reported by XXXX XXXX XXXX regarding XXXX XXXX Bank XXXX My Early Warning consumer file disclosure dated XX/XX/year> reports an XXXX XXXX contribution from XXXX XXXX with an alleged unpaid loss amount of {$1600.00} connected to account ending in XXXX and contribution reference number XXXX. I dispute the accuracy and completeness of this reporting. The reporting is inaccurate and misleading, including the Account Abuse designation and alleged unpaid balance. The report does not provide sufficient documentation supporting the reporting classification, and I request a full reinvestigation pursuant to the Fair Credit Reporting Act. I am requesting : XXXX verification of the alleged debt/loss, XXXX verification of the Account Abuse classification, XXXX correction or deletion of any inaccurate information, XXXX and written confirmation of the investigation results. This inaccurate reporting is negatively affecting my ability to open and maintain banking relationships.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: NJ

Complaint narrative:
XXXX attempted to collect XXXX XXXX XXXX accounts totaling {$380.00} even though XXXX XXXX sent me written notices on XX/XX/year> and XX/XX/year> showing a {$0.00} balance. I sent XXXX a written dispute and request for validation on XX/XX/year>. I also requested that all telephone contact stop. XXXX did not provide validation and continued calling me. I received calls from XXXX representative, XXXX XXXX, on XX/XX/year> at XXXX XXXX XX/XX/year> at XXXX XXXX, and XX/XX/year> at XXXXXXXX XXXX. These calls occurred after my written dispute and ceasecontact request. On XX/XX/year>, I sent a second written dispute including copies of XXXX XXXX letters showing a {$0.00} balance. XXXX still did not provide validation and continued calling. XXXX is continuing collection activity on a disputed debt and contacting me after I requested that all communication be in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Firstly, you can get no response from either emails or telephone calls UNTIL your payment is late and then they will call you. When I got the loan initially I was told that I needed to use vehicle as collateral. Then they 'suggested I buy XXXX. ' I just bought a new vehicle and wanted to sell the collateral vehicle so I asked to rework the loan to release the collateral and was denied. But was told they would waive the XXXX and I asked for this in writing and was denied that but was given a screenshot of the waiver approval notes in my file.. In that screenshot it says they would waive the XXXX because the value of the vehicle was less than the loan amount originally. My loan was {$12000.00} and the vehicle value was less than XXXX a the time of origination. So it appears they forced the collateral and 'encouraged ' XXXX purchase. Seems like unfair practice to me. I have since emailed and called to get the XXXX removed and no response. I will not make the next payment and THEN they will call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
On XXXX XXXX I submitted a photo deposit check to Arvest XXXX banking app and I understand that they cant deposit the check on weekends so I was expecting it to be cashed by the following Monday. Well I checked my account and the money was still frozen so I called and they said that sense I has prior excessive overdrafts within 6 months that they need to hold the money until XX/XX/year> and yet my money is still frozen and if I dont get my money today I will be charged late fees for rent, phone bill, and car payments.

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 2026-05-20 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In addition to separate concerns about these transactions that I have raised with Amex, the specific issue here is the refund. The merchant told me in writing that they had refunded the charges and told me to contact American Express if I hadn't received the refunds. When I disputed the charges with Amex, the merchant defended them to Amex as non-refundable. I showed Amex the merchant 's own refund confirmation matched by transaction ID to the merchant 's own defense response. Amex closed the disputes anyway without addressing the refund confirmation and put the charges back on my account. I have included four specific cases where merchant provided an explicit refund confirmation, and that confirmation could be matched by me with significant effort only because of the prior defense submission by merchant shared with me by Amex, since merchant also refuses records. However, these cases are just that, exemplars. The attached letter includes those four specifically, as of the date of this complaint, but also asserts the same for all open disputes given that the merchant has confirmed well over 200 refunds, which ay very well be all or nearly all transactions in question, but exact matching is not always possible-as the merchant controls record sharing. Also provide full evidence from one example dispute case where Amex even stated that if I included confirmed reciept, they would be glad to help. But the evidence provided already showed the confirmed reciept for the exact transaction ID that merchant sent to Amex. * * this makes it obvious that Amex did not meaningful investigate since they did not even know about the exact evidence provided. * *

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
Hello, On XX/XX/XXXX I submitted a warranty claim per the services on my credit. The claim was denied, I then resubmitted the claim not understanding why the claim was denied. As they were stating 15. items purchased for use as resale ( i.e., goods purchased as inventory for sale ) ; '' I explained that this item is not for sale ( see attached documents ) On XX/XX/XXXX I received a letter back stating the reason the claim was denied. The letter stated that it was denied due to reason 16. items purchased for professional or commercial use including education, training or skills, or to be used in professional competition. Amex then referred me to the warranty program guide. XXXX XXXX My card is the XXXX XXXX, when you follow the link to the extended warranty guide, THERE IS NO ITEM 16. IN THE TERMS AND CONDITIONS. I would like the item covered under the terms and conditions of the contract as there is NOTHING stating that products used for commercial are not allowed! I do not understand this because I also have a business card with american express, and the warranty terms are the same on that card, so theoretically nothing bought on the business card can be warranty claimed because its being used for business? Someone needs to take a look at this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I am filing this complaint against Venmo for abruptly and permanently closing my account without a valid explanation, canceling my in-progress transfers, and unjustly freezing my funds for 180 days. Here is the exact timeline of events : XX/XX/XXXX : I received {$1500.00} into my Venmo account. I successfully initiated an instant transfer of {$940.00} to my bank. A subsequent standard transfer of {$560.00} failed due to a glitch in the Venmo app. Later that day, I successfully initiated two standard transfers of {$60.00} and {$500.00}, which take 1-3 business days to get into my bank account. XX/XX/XXXX : I received {$2000.00} into my Venmo account and initiated a standard transfer for the full amount to my linked bank account. XX/XX/XXXX : I received an email from Venmo stating they detected " suspicious activity '' and were suspending my account. They cancelled my three pending standard transfers ( {$60.00}, {$500.00}, and {$2000.00} ). Venmo requested identity verification documents to resolve the issue, and I promptly uploaded an image of the first page of my Pakistani passport as requested. Shortly after, I received another email stating my account was permanently blocked and my funds would be frozen for 180 days. XX/XX/XXXX- XX/XX/XXXX : I contacted Venmo customer service and escalated the issue. XXXX assured me that an account specialist would review my case within 5 business days. XX/XX/XXXX : Venmo emailed me stating, " due to several concerns regarding your account activity, we made the decision to permanently restrict your account. '' They completely closed my support case without providing any specific reason or evidence for the closure and reiterated the 180-day hold on my money. I am a college student currently traveling in XXXX to attend my brother 's wedding. I am relying heavily on these funds to cover my travel and essential daily expenses while abroad. XXXX decision to lock my account and withhold my money without transparency is causing me unnecessary financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I have contacted XXXX on several occasions letting them know that I've been receiving emails from a debt collection agency for a service line that I never established with XXXX They told me to " log-in '' to my account which I can't. I've tried dozens of times and the only email addresses I would have used to open an account are coming back as invalid. There is truly something wrong, possibly identify theft. And no one at XXXX is truly helping me to resolve the situation. I am escalating this issue to Consumer Finance in hopes that XXXX will be more cooperative and transparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a Bank of America customer, and I experienced a fraud issue with my account involving a XXXX transfer and a debit card transaction. I filed a dispute regarding the XXXX transaction, and after much persistence and struggle, they resolved it. However, regarding the debit card transaction, they refuse to resolve itabsolutely refuse. I am currently waiting ; I need them to apply a temporary credit to my accountone that ultimately becomes permanentas I require these funds to cover my financial obligations. This situation is absurd ; the bank acts as if I were asking them for a favor, when in reality, I am simply demanding what is rightfully minenothing more! I demand that they deposit the credit amount they promised to deposit into my account, as they have yet to do so. Furthermore, I am no longer able to reach their customer service center because they have blocked my access to their automated system ; I am unable to verify my identity over the phone. This is outrageous! I require an immediate resolution : the return of the improperly withdrawn fundstotaling {$2200.00} USDto my account, as well as the restoration of normal account authentication when I call customer service.

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