vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a formal complaint against Capital One regarding their failure to process my legal name change and reissue my credit cards despite receiving complete documentation. On XX/XX/XXXX, Capital One confirmed in writing that they received my legal name change documentation. The documents I submitted included : Court Order for Legal Name Change XXXX Passport reflecting my new legal name Previous legal name : XXXX XXXX New legal name : XXXX XXXX XXXX of Birth : XX/XX/XXXX Accounts involved : Capital One Quicksilver XXXX XXXX XXXX XXXX XXXXXXXX Capital One Union Plus XXXX XXXX XXXX XXXX XXXXXXXX Kohls Card XXXX XXXX XXXX XXXX XXXXXXXX After confirming receipt of my documents, Capital One instructed me to call their customer service department. I have now called multiple times. Each call results in inconsistent information, unprofessional conduct, and no action being taken. During these calls : Representatives appear unfamiliar with the request. I am told the matter will be resolved, yet no updates occur. There is no clear internal record of progress. The calls lack professionalism, and I have serious concerns about the handling of sensitive personal information. This is a straightforward administrative update supported by valid legal documentation. Capital One has had sufficient time and documentation to complete the request. Their repeated failure to process a legally documented name change and issue replacement cards is unacceptable. I am requesting that CFPB require Capital One to : Immediately update my legal name on all listed accounts. Confirm the update in writing. Issue replacement cards reflecting my legal name. Provide an explanation for the delay and failure to process this request after confirming receipt of legal documents. This matter should not require repeated calls or contradictory instructions. I expect prompt regulatory intervention. Contact information : XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Caribou Financial, Inc.
State: NY

Complaint narrative:
In XX/XX/year> i brought my car the price was XXXX i deposit XXXX to drive it off the lot. Got the loan from chase but there interest rate was XXXX so thourth caribu loan co. They found petleco with a lower interest rate which was suppose XXXX but when i got my bill it was XXXX its been almost a year since borught i get a bill thats says i still owe XXXX my caculation i gave almost XXXX and i dont see it in my payment.and i make my payments on time every month never miss a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: OK

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: VA

Complaint narrative:
I am filing a complaint regarding Capital Ones handling of a dispute for returned merchandise that was not credited. On XX/XX/year>, I was charged {$55.00} by XXXX XXXX. I returned the merchandise in accordance with the merchants return process and have proof that the return package was delivered to the merchants facility. This documentation was provided to Capital One during the dispute process. After the return was delivered, I made multiple attempts to contact the merchant to confirm receipt and request the refund. The merchant failed to respond for an extended period. On XX/XX/year>, the merchant acknowledged my inquiry and stated that my request had been escalated to the appropriate team and that they would follow up. No follow-up ever occurred, and no refund was issued. While I was awaiting the merchants promised escalation and response, the return window expired. The merchant later claimed that the return was not received or was invalid under their policy, despite confirmed delivery and ongoing communication attempts on my part. Capital One initially issued a temporary credit but later reversed it, siding with the merchant. Capital One subsequently closed the dispute, stating that my documentation was insufficient, without clearly identifying what information was missing, despite proof of delivery and written merchant acknowledgment being provided. I believe Capital One failed to properly consider the evidence showing : The merchandise was returned and delivered The merchant acknowledged the issue and delayed resolution The delay and expiration of the return window were caused by merchant inaction, not customer failure I am requesting that Capital One conduct a fair and thorough re-review of this dispute, taking into account the proof of delivery and the merchants failure to respond after acknowledging escalation, and correct the handling of this dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
On XX/XX/XXXX, I had not received a 1099 for my late mothers Citi accounts. This was the last document that my accountants needed for my mothers XXXX taxes and for the trust taxes for XXXX. I called the Citi XXXX number and was told that I needed to contact the XXXX XXXX XXXX. I already had the number for the XXXX XXXX XXXX, so I called that number. The person I talked to wanted my late mothers Social Security number and the account number. I provided the information. I was told that the 1099 had been mailed and that I should have the document by the XXXXXXXX XXXX XXXXXXXX. On XX/XX/XXXX, I still had not received my late mothers 1099. I called Citi Bank again. The person I talked to said the 1099 had been mailed on the XXXXXXXX XXXX XXXX. She told me to wait 10 days and call again if I had not received the 1099. On XX/XX/XXXX, I still had not received my late mothers 1099. I called Citi Bank again and talked to XXXX. I was told by XXXX that the 1099 had not been sent out on the XXXXXXXX XXXX XXXXXXXX but had been sent out on the XXXXXXXX XXXX XXXXXXXX after I called. He said I would have to wait until XX/XX/XXXX to call again if I had not received the 1099. On XX/XX/XXXX I still have not received the 1099. I called Citi XXXX XXXX XXXX. I reached XXXX. She took the time to do an in-depth search and told me that no 1099 had ever been generated. XXXX tried to send a message to her supervisor and at that point I was cut off. I called the Citi XXXX XXXX XXXX two more times trying to reach XXXX. One time I was disconnected again. The second time the person I talked to said I would have to wait 2-3 days and check back to find the status of my complaint. It is very obvious that everyone I have contacted at Citi Bank was messing with me.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Municipal Services dba CredStar Revenue Solutions
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am formally filing this complaint against Chime Financial , Inc. for denying me access to my legal funds and failing to provide a functional manual identity verification process. Due to a change in my phone number, I am unable to bypass the Two-Factor Authentication ( 2FA ) on my account. Chimes automated " Identity Verification '' links are technically non-functional ; they consistently fail to load or loop back to the login screen across multiple devices and browsers. I have contacted Chime support numerous times to resolve this. Each representative, including an agent identified as " XXXX '' at XXXX XXXX CST on XX/XX/year>, refused to acknowledge the technical failure on their end. Instead, they repeatedly and falsely claimed the issue was my internet connection, despite my verification that other services work perfectly. Furthermore, when I requested a Manual Identity Verification ( document upload ) or to speak with a supervisor to escalate the technical glitch, the agent refused to provide a Case Number, refused to provide an Employee ID for accountability, and eventually disconnected the call ( hung up on me ). By failing to provide a working alternative for identity verification when their primary system is broken, Chime is effectively holding my funds hostage and violating their regulatory obligation to provide consumers access to their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: AL

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: WV

Complaint narrative:
I tried to purchase some house hold items and medical supplies I need for myself and the home. I am XXXX. I can't use my card .. it has been like this for a couple of days. First they said to go to a store and use my pin number. When I found someone to take me.. I am 30 mins away.i made a purchase using my pin number. As instructed by XXXX XXXX customer service. Came home yesterday and tried to get both companies that have my needed items. And nothing! States that the card was declined and I needed to contact my financial advisor. I did .. customer service again .. no help.. said my account was randomly chose for fraud check. So because of their choice my card is not useful. I can't buy medicine .. go to my Drs appointment.. I have copays .. especially my XXXX XXXX Then they tell me .. " they are sorry '' that's doesn't fix my situation. Said that I have to wait 72-75 hours to get it resolved .. then it will be switched to the fraud department .. and they will look into it. Please help. I owe my car insurance also.why won't they listen to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
1. Bank wont let me use my debit card online ; XXXX XXXX etc. It keeps blocking me. I get the error message : " The purchase you are attempting required additional verification ''. 2. Bank is discriminating against me. I do most purchases online because I have a XXXX. XXXX. Bank wont give me back the {$540.00} for the item that got canceled on XXXX. XXXX never charged me for the item but bank acct. shows - {$540.00}. 4. Bank wont credit me and put into my account the {$960.00} check I deposited at the local branch atm machine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XXXX XXXX, XXXX, XXXX Bank of America XXXX XXXX XXXX XXXX credit card was closed without warning or explanation, and I called to inquire about the rewards ( {$300.00} ) and collateral ( {$5000.00} ). I was told theyd be direct deposit back into my bank account on file within a week. On XXXX XXXX, XXXX, I got my rewards back, but not my deposit. On XX/XX/year>, almost XXXX weeks since closing, I called Bank of America again, to be told that they dont know what happened to the collateral. They told me that I should have gotten in back within XXXX hours, inconsistent with what they told me last month. Bank of America has taken my {$5000.00} deposit and has lost it. I paid my balance when the card was closed, so the deposit couldnt have been used to pay the balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: NC

Complaint narrative:
Upon moving out of our apartment we were told we would be in contact with a debt collector to set up payment plans regarding the {$2600.00} owed. We have received no written notice of this being reported to credit. On XX/XX/XXXX my husband received a call attempting to collect this debt in full. He was told no payment options were available. I called back to attempt to set up a payment plan and was told I had to pay in full by XX/XX/XXXX. I told them I couldnt do that, and would need a longer payment plan. I was then harassed by the debt collector by the name of XXXX, who told me open up a credit card to settle the debt or takeout a personal loan. When I told him I would not be doing that to have a great day, he the threatened me by saying he hates what is to come for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX I activated my XXXX card with Capital One. I hoped to use my card for the {$750.00} intro offer since I had {$5000.00} in purchases to make over a XXXX week period. I attempted to rent a jackhammer on XX/XX/XXXX at XXXX XXXX and this was flagged for fraud. My account was locked due to fraud suspicion. Upon activation I was charged a {$95.00} dollar fee that I expected. On XX/XX/XXXX I called Capital One and they sent a link where I could upload my driver 's license and my a statement from a utility company to verify my account. I submitted the documents. On XX/XX/XXXX Capital One called and said the documents weren't enough to verify my account. They asked that the same documents are re-submitted, and that I needed to upload the front and back of my driver 's license and re upload the statement from a utility company. I submitted the documents again the same day. On XX/XX/XXXX Capital One called and said the documents were not enough to verify my account and that it would be permanently locked with no alternative. I understand that security is important, but I wanted to use this service and their advertised intro offer. Instead I couldn't use the card at all and I wasn't able to use it for my planned purchases. On XX/XX/XXXX I called and asked to speak to a manager. The manager asked that I re-upload my documents and they will escalate my case, and hear back in 7-10 business days. I asked if I could have the {$95.00} fee waived since I could not use the card, and they said the fee can not be waived until the account is unlocked from fraud suspicion. The call was 40 minutes. I have not heard back from them. This is what I expect from a credit card company : 1. I can clear my account from fraud suspicion if I am the true customer of the account 2. I can use the card I applied for for services on the first day of activation 3. I can use the advertised intro offer 4. If I don't use the card or can not use the card, I can have the activation fee waived, especially since at this point I wish to cancel the card and not use it. At this point, I feel like I should not have to pay the {$95.00} fee and this feels like a scam that is keeping me from paying the intro offer. It is a customer experience I have not had at any other credit card company and I wish to not continue business with Capital One. This has been a waste of my time when I thought this was going to be a positive experience that could benefit me financially. I can submit endless documents that prove I am the one that opened the card and am using the card, but it is useless to me if I can't prove this to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: MO

Complaint narrative:
Hello, my name is XXXX XXXX, I have a mortgage with Village Capital and investments, I was homeowner insurance shopping for better rates in XXXX of 2026, I got quotes from XXXX XXXX and XXXX, I ended up going with XXXX for {$1400.00} a year, and it was switched and Village capital paid it out. In the same process the XXXX XXXX agent gave me a quote for {$2900.00}, I chose not to go that route however the agent fraudulently submitted the policy and payment request to village capital, I called XXXX XXXX got the policy cancelled and back dated, and called my mortgage company village capital in XXXX to explain this and ordered them to NOT pay the XXXX notice, and it was noted on my account, and the agent at XXXX XXXX that helped me fix the issue also emailed the mortgage company and CCd me and ordered them to not pay and noted the policy was cancelled and not active, fast forward to XXXX the team at village capital neglected to do the right thing and paid out on a policy that was cancelled and never active, they also switched my active insurance from XXXX the correct policy to a cancelled XXXX XXXX policy, I called on XX/XX/XXXX to Village capital and asked why the heck they paid out, and the agent told me whoever was paying out escrow did not read the account notes and neglected to do the right thing, this has now resulted in a very huge escrow shortage and I just received my escrow analysis saying my mortgage payment will be increasing almost {$300.00} a month due to neglect from the mortgage company to do their fiduciary duty properly. I have verified with the XXXX XXXX agent that they refunded the {$2900.00} to Village capital on XX/XX/XXXX and I just called village capital today XX/XX/XXXX and they claim to have no idea where the funds are and just want to blame everyone else for why they failed to execute their fiduciary duties and when I said they need to help or I'd report to the CFPB they told me they will refuse to assist me if I say things like that, which is another violation of my rights. This needs to be fixed and investigated appropriately as they are now causing me monetary damages that would not have occured if they would've done their job properly the first time, as of right now those monetary damages are in the tune of a $ 300 month increase and a {$3000.00} total damage by paying the XXXX XXXX policy even after being instructed not to by me, the agent, and being sent a cancellation all of which I have confirmed is on file at my mortgage company. I want the CFPB to step in and get village capital to fix their XXXX.

Company response to consumer: Closed with explanation