vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: MN

Complaint narrative:
I am filing this formal complaint against Personify Financial due to predatory fee inflation and punitive credit reporting practices during an active, unresolved dispute. In XX/XX/year>, I sent a formal dispute via Certified Mail challenging the balance accuracy and high-interest terms on this account. Personify completely ignored the 30-day legal window to validate the debt or respond to my inquiry. Furthermore, this account is currently under active regulatory review by the Minnesota Attorney Generals Office ( Case # XXXX ). Instead of complying with investigations or providing validation, Personify has retaliated by adding {$390.00} in sudden fees to my balance and slapping a " 30 Days Late '' delinquency mark on my credit profile in XX/XX/year>. This reckless reporting during an open dispute caused an immediate XXXX dro p in my consumer credit score. I am requesting that Personify immediately cease all negative credit reportin g, delete the inaccurate XX/XX/year> late mark, and freeze balance inflation until this dispute and the State AG case are fully resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
In XXXX i rented a XXXX for a period of time. I was not aware that i had an outstanding balance and i never received any notification of said balance. It was until XX/XX/XXXX that i saw i had a collections action against my credit score. The collection agencies also never attempted to comtact me about any past due amount i owed in regards to the original company. I never was given the opportunity to rectify the situation in a timemanner that would have recity the situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Complaint Description below JPMorgan Chase Bank has permanently closed my account and released my personal balance, but they are indefinitely withholding third-party check funds that were deposited into the account. They have placed these funds into a corporate suspense account, and phone agents claim they will hold the money for 2 to 3 years. This hold is based entirely on a failure within Chase 's automated phone database, which incorrectly flags my boyfriend 's XXXX XXXX phone number as " unverified, '' preventing them from verifying the legitimacy of the third-party funds. My boyfriend and I have complied with every request to prove our identity and the validity of this check. We physically went into the Chase branch in XXXX, Oregon, and presented our government IDs along with a certified phone bill proving the number is legally in my boyfriend 's name. The XXXX branch manager verified our documentation, expressed immense frustration with the system failure, and escalated the issue to the Executive Office. Additionally, an escalation agent named XXXX instructed us to submit a notarized certificate at the branch to release the funds, which the back-office fraud team later reneged on and refused to honor. Chase is using a broken automated phone verification system to freeze legitimate third-party check funds and is threatening a multi-year hold without cause. I demand that Chase manually override this database error, accept the in-person verification performed by their own branch manager, and immediately release the third-party check funds to us via a corporate cashier 's check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I received a call from XXXX XXXX impersonating an officer of the court with legal XXXX XXXX XXXX documents. They were attempting to come to my residents I contacted Citibank who had no record of debt that was claimed I owed. I knew it was fraud. It was someone using scare tactics to get information from me. The number XXXX XXXX asked me to call verified information. ( XXXX ). They claimed to be legal counsel

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 2026-05-21 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: Block, Inc.
State: GA

Complaint narrative:
I was on vacation in XXXX XXXX my phone and my wallet were stolen the thieves changed all my passcodes and added their email address. I was stranded in XXXX XXXX I used the hotel lobby phone to call XXXX XXXX and report the stolen card and phone. I was able to finally get home several days later here in XXXX Georgia and found out I was locked out of all my accounts. I finally got in touch with cash app and opened a dispute. They have denied two of my disputes one for {$2500.00} and one for {$500.00}. They're still thousands more that I did not authorize. As well as I went in person to the bank Saturday when I came home and with XXXX some money from my account and told them that my phone and wallet were stolen. Monday when I made a point with the bank they were still letting the thieves access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I received a collections letter from Aldous & Associates, P.L.L.C on behalf of XXXX XXXX XXXX XXXX for the amount of {$6800.00} for defaulted lease contract. I promptly sent a dispute letter to the collections firm to make them aware that this was not my debt as I have never signed a contract with XXXX XXXX XXXX XXXXI also contacted XXXX XXXX XXXX XXXX to request information regarding the lease and there were not able to provide proof of the contract. I have filed a report with IdentityTheft.gov to report a case of stolen identity. The collections agency failed to follow the FCRA regarding this issue. They refuse to investigate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I believe a fair resolution would be to award me the {$300.00} bonus as I maintained {$20000.00} and the account for the majority of the time and only fell short briefly

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Im writing to file a complaint against NCB Management Services for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I purchased a XXXX XXXX ticket for {$180.00} using my Barclays XXXX XXXX and later paid the transaction in full. After the payment had already been made, I filed a dispute regarding the transaction. During the investigation, Barclays issued a temporary credit for {$180.00}. Later, Barclays informed me that the investigation was completed and that they were unable to issue a permanent credit, meaning the temporary credit was reversed. However, Barclays is now again showing {$180.00} as currently due on my account. Based on my understanding of the transaction history, the original purchase had already been paid before the dispute process began. Therefore, reversing the temporary credit should have returned the account balance to XXXX, not created another amount due. I requested that Barclays provide : * A detailed transaction ledger * Proof of how my payment was applied * An explanation of the dispute reversal * Proof showing why an additional {$180.00} is still owed At this time, I believe the transaction may have been counted twice or the payment may not have been properly applied after the dispute reversal. I am requesting a full investigation and correction of any improper balance assessment.

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 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I specifically asked this company to provide valid legal authority to collect on this debt, the chain of assignment and they did not provide it. They removed it from my credit report and then put it back on. I asked on multiple occasions through handwritten letters to provide documentation showing ownership/assignment and the chain of title for this debt and they failed to provide it. If the company can not provide that, please remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital one XXXX had already approved the rewards in my account, and they had gone from pending to confirmed ( {$1700.00} ). I redeemed the rewards, going onto their gift card page and processing redemptions for all of this balance. The rewards balance was removed from my account as expected, and I received confirmation of my redemption. The gift cards never arrived though, and when I went to log onto my account to check, it has been closed with no notice, explanation, or more importantly, gift card delivery. I do not care about my account- they are entitled to close it. However, they are not entitled to enter into an exchange with me for this redemption of confirmed rewards, and then simply choose to not pay by closing my account. Completely predatory behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing a formal complaint regarding repeated returned payment fees and potential inaccurate reporting associated with my U.S. Bank account. From the beginning of this issue, I made repeated good-faith attempts to submit payments. I also proactively contacted both U.S. Bank and XXXX XXXX XXXX to clarify payment issues and confirm whether any restrictions existed on my funding account. XXXX XXXX XXXX confirmed that there were no holds, restrictions, or blocks that would have prevented payments from processing. Despite this, U.S. Bank continued to assess repeated returned payment fees over time. In total, I was charged approximately sixteen ( 16 ) returned payment fees of {$40.00} each, totaling approximately {$640.00}. These fees accumulated while I was actively attempting to make payments, communicating with the bank, and seeking resolution. I escalated the issue further by contacting management, but was informed that no additional assistance could be provided. I believe these fees and any related negative reporting may be inaccurate and may have resulted from internal payment processing issues rather than insufficient funds or intentional nonpayment on my part. I respectfully request a full investigation into : The processing history of all attempted payments The dates of all attempted payments The reason codes for each returned payment The basis for each {$40.00} returned payment fee Any resulting negative credit reporting associated with this issue Reversal or refund of fees if processing errors or system issues are confirmed I have made consistent good-faith efforts to resolve this matter directly with the bank and through documentation and communication. I am requesting a formal review and correction where appropriate.

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 2026-05-21 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: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year>, I have noticed 10 successful fraudulant charges taken from my XXXX XXXX bank account of XXXX. I have disputed those transactions three times and was denied. Th Chime respresentives have also disputed 2 other declined transactions which I had to try getting corrected. The transactions are coming from a AI company called XXXX, based in XXXX XXXX. They had also attacked my XXXX XXXX account of amounts between XXXX dollars. That was resolved. I am still having issues to fight getting my overdrafted amount of XXXX $ from Chime. I have made several calls and they notified me that the investigation was being closed and I was denied my money back. I want to file a complaint with XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: MA

Complaint narrative:
Im not sure what happened i believed my information may have been compromised in a data breach, I noticed a drastic change on my credit report resulting from a entity called MIDLAND CREDIT MANAGEMENT intending on collecting a debit, but I have no knowledge of such business entity and was never engaged with them in any form of commerce

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 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: Block, Inc.
State: WA

Complaint narrative:
Square , Inc closed my business account with them, associated with XXXX. Although my account in closed there is {$450.00} that I have not been able to access for over 11 months. I do not need to reopen my account with them but I would like my funds transferred into my account or sent to me in check form. I have contacted this company though chat, phone reps and emails with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Complaint about Chase customer service. Can't get through on the phone - either a super long wait time ( 60+ mins ) or the numbers say they're the right number but the person says it's a different departmetn and they need to transfer you. So I tried to complain online and it forces you to sign in to send a complaint message, but, since my account is blocked and they refuse to unlock, that option is not available. So it's kind of impossible - this company does terrible and wrong and illegal things then prevents you from being able to make a grievance or complaint about it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have an account with Capital One XXXX and spent about a month playing their game offers and spending the required money on the games to earn rewards. I wanted to redeem the rewards for a XXXX XXXX XXXX to pay for a special trip for my kids this summer. I have proof of all the approved offers I made ( I should have exactly {$410.00} in rewards for these games ). For a while, all the rewards showed in my account balance, and then, over {$300.00} of it just disappeared. I have been working with Capital One XXXX for 2 weeks to resolve this issue ( the first contact was on XX/XX/year> ). I sent them screenshots of every offer I successfully completed, with the verification that all were completed. They told me to contact XXXX. I did, and XXXX said they successfully credited every offer and that Capital One XXXX is the one that hasn't credited my rewards. I have attached screenshots of all offers I successfully completed ( everything I completed is green, and XXXX told me it should all be credited ). I have also attached my correspondence with Capital One XXXX and with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: COMMERCE BANK
State: KS

Complaint narrative:
In XXXX my company XXXX XXXX opened a checking account at Commerce Bank in XXXX Kansas, routing number XXXX, checking account number XXXX. The woman who opened it for us was named XXXX, I have the information card she gave me. The signature card for the account was signed by me XXXX XXXX, our company foreman XXXX XXXX, and my then fiancee XXXX XXXX who owned XXXX XXXX. XXXX passed in XX/XX/XXXX at which point I inherited the company as his wife XXXX XXXX XXXX, which included this account plus no less than 2 other accounts. XXXX has refused to even discuss the details of any of the 3+ accounts with me, and will not give me access to the one I have signed the signature card for, the XXXX account. I retained an attorney, XXXX XXXX in XXXX, Kansas, who has repeatedly asked them for the documents to get these accounts turned over to me and they refuse to send any paperwork of any kind or discuss this matter with me. According to XXXX XXXX they reassure us they are sending paperwork regarding the accounts but none has been sent in spite of their numerous promises. I feel like they are probably holding these accounts to drain them with inactive fees, and these fees need to be reimbursed also since I have been fighting for these accounts and have paid an attorney for well over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I send {$250.00} to the wrong person but XXXX still approved of it even after calling my bank to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: IL

Complaint narrative:
My mortgage servicer failed to make scheduled property tax disbursements from my escrow account in XX/XX/XXXX and XX/XX/XXXX, causing my XXXX XXXX property taxes to fall delinquent. In XX/XX/XXXX, the servicer performed an escrow analysis and calculated a surplus of {$10000.00} a figure that was inflated solely because the unpaid taxes had not yet left the account and refunded that amount to me. In XX/XX/XXXX, the servicer made a lump-sum payment of {$15000.00} to cover the delinquent taxes. The servicer acknowledged the error in writing on XX/XX/XXXX, stating : " The tax team failed to add the correct tax information causing the taxes to not be reported and to fall delinquent. '' Following the lump-sum disbursement, the servicer issued an escrow shortage notice of {$9500.00} and increased my monthly mortgage payment by {$790.00} beginning XX/XX/XXXX to recover that shortage despite the shortage being a direct result of their own mismanagement. I have made all mortgage payments in full and on time throughout.

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 2026-05-21 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
Per conversation on XX/XX/year> with account rep i was eligible for modification and id be available to do modification and pay 2 payments in XXXX. Default was filed 3 days later. I worked very hard and paid over {$6900.00} by XXXX deadline to bring loan out of Default ; then I was informed I needed new insurance policy. I did so with XXXX XXXX. Beginning of XXXX I was told I couldn't pay monthly mortgage payment because my loan was still in Default. On XX/XX/XXXX with no warning I was return check for amount paid and someone served my son papers. Reason : according to acct mngr i was still in Default because XXXX XXXX XXXX put po box address and not street Address on policy. Now told i owed over {$2900.00} more now due to fees. Story gets worst and balance ballooned. Each time deadline payment due My account mngr would mark himself out of of office. I feel as though my own mortgage company is sabotaging me

Company response to consumer: Closed with explanation