vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I requested a loan assumption due to divorce the mortgage company advised me to submit a form to start the process. The form said to include the divorce decree and deed showing change in ownership. I provided the documents and then got a letter saying I have been denied for the request by the investor due to excessive debt ratios. I was never asked to provide income documents so Im not sure how I could be denied when my income was never verified. I want to dispute the denial decision and want my mortgage company to review my request in full for the loan assumption.

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 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
Chime did not let me have money that was refunded to menow they tell me i have negative balance and thats not right

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
This is a follow-up complaint to a prior CFPB complaint # XXXX. They did not address my timeline in their response. The response I received did not address the key issue : I had already reached 120 qualifying PSLF payments in XXXX and XXXX, but my loans were not discharged and remained active. As a result, I made a payment of {$15000.00} in XX/XX/XXXX on loans that should have already been forgiven. The companys response only stated that loans paid in full prior to application are not eligible, but did not address why the loans were not discharged when eligibility was reached or whether payments made after eligibility constitute overpayment. I am requesting a substantive review of this timeline and a determination regarding refund of payments made after PSLF eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management is reporting a collection account on my consumer credit reports that I dispute as inaccurate, incomplete, and not properly verified. The account is listed as Midland Credit Management Inc., account number beginning XXXX, with a reported balance of {$660.00} and original creditor listed as XXXX XXXX XXXX XXXX. I am requesting that Midland Credit Management provide complete validation and verification of this alleged debt, including the original XXXX XXXX agreement, complete billing statements, a full itemized balance calculation, the date of XXXX delinquency, proof that Midland owns the debt or has legal authority to collect it, and all documents used to verify the account with the credit reporting agencies. This account is damaging my credit and is being reported as a collection. I previously disputed inaccurate or unverifiable accounts, and I am requesting a reasonable investigation. If Midland Credit Management can not provide complete documentation proving the accuracy, ownership, balance, date of XXXX delinquency, and legal authority to report and collect this alleged debt, I request that the account be deleted from XXXX, XXXX, and XXXX. I also request that Midland correct any inaccurate balance, dates, status, remarks, or collection reporting sent to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: IL

Complaint narrative:
Check my account I close all of these account last XXXX number XXXX And XXXX but person illegally open account XXXX with cash app transfer card XXXX using. I accidentally check verify my phone I received cXX/XX/XXXXe than I alert Still active but investigation open theses fraud occur my last name Thus person illegally use my identity and use cash app Report file already but police is not taking serious steps Serious taking action cash app and close all these account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am not liable for this debt with LVNV Funding LLC. I do not have a contract with LVNV Funding, they did NOT provide me with the original contract I requested. I demand this account be removed from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I have a XXXX flood insurance policy with XXXX on my home. XXXX mortgage wanted the max coverage but instead of placing a gap of XXXX they placed an excessive amount of XXXX and I call weekly and have all the paperwork and they wont correct it. Its illegal to have forced flood insurance over XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I opened a MoneyLion XXXX XXXX account and believed I would receive usable loan funds. I never received direct access to any loan money upfront, and the structure of the product was unclear and confusing. The account is now negatively affecting my credit over a remaining balance of {$76.00}. The app shows conflicting information, including showing the {$1000.00} principal amount as paid while also marking the account as in collection. I contacted support and was told I would not receive any funds even after paying the remaining balance. I am requesting an investigation into the accuracy of the reporting, clarification of the account status and reserve funds, and consideration for correction or removal of the negative credit reporting because the account terms and reporting were misleading.

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 2026-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
I disputed a medical debt that was on my credit report. I received an entire packet of information from XXXX XXXX. It states in the letter that the payee is still the hospital, and payments should be made. I have been making payments on this account. I am now receiving non stop phone calls from portfolio recovery whom I don't even have an account with. They call repeatedly while I am at work, and have asked them to stop. They call from numbers resembling personal landlines in Iowa.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
Vehicle was grounded XXXX XXXX and they are trying to say that the vehicle was never grounded and incorrectly placed missed payments on my credit report for June and XX/XX/year>. No payments were missed or due when the lease was grounded. The leases was turned in and received by XXXX at Lincoln and ford motor and XX/XX/year>

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: FL

Complaint narrative:
Received an email from third party company saying I owe reached out to them about it and told them that my identity had been stolen and that I put in a dispute for it they said its nothing they can do until it paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I had a checking account with them that was closed back in XXXX and didnt get a bonus then. I just open a new one on XX/XX/XXXX, met the requirements on XX/XX/XXXX for the {$10000.00} bonus promised ( https : //promotions.bankofamerica.com/en/offers/chooseyourchecking500tiered ) and as of today still hadnt gotten the bonus. I have also attached a screenshot of the page I signed up on in case they pull or change it. I called in and they said I wasnt eligible due to having an account before, even though it had been closed for over 3 years when I signed up and the terms explicitly stating 12 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
This is XXXX XXXX, I want to register a complaint against Barclays Bank, recently I have paid {$1500.00} and statement was not issued and balance was showing {$130.00} when statement was issued after 14-15 approximately, they charged me above {$30.00} interest on just {$130.00} balance, so I want some answers, why they charged me too much interest when balance went down in previous month. here is my credit card number XXXX, they have applied too much interest only on {$130.00} balance, I want answers from them, and refund.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/year> I was locked out of my Capital One online access, I called while I was traveling abroad and was told it was due to some sort of mismatch and it would be resolved in 72 hours and to wait 72 hours and i will be able to access. I waited and waited and still could not access my online account. When I got back to the United States I called again on XX/XX/XXXX and was told again that the issue was resolved and to wait another 72 hours. I waited another 72 hours and still could not get in. I called back on XX/XX/XXXX and was told the issue was resolved on their end but I am still locked out. At this point Cap one deleted my online access altogether and told me to re-sign up. I've tried for 2 days now and I can not get back online to my account. I have over 120K points and a travel credit and I am trying to redeem and I am being blocked from doing so. I have been locked out of my online account for 2 weeks and no resolution. Everytime I call I am bounced around from one person to another and no one fixes the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
This is a new, separate complaint regarding consumer intimidation, bad-faith investigation practices, and direct retaliation by Citibank corporate following my previous active complaint ( Case Number : XXXX ) .On XX/XX/year>, I received an unexpected, adversarial phone call from a Citibank Corporate Executive Response representative XXXX Instead of resolving the ongoing {$59.00} fraud dispute professionally through written regulatory channels, this representative used hostile, high-pressure interrogation tactics. I stated clearly and repeatedly that the charge from XXXX ' was completely unauthorized fraud and that my physical card was never lost. The representative ignored my statements and repeatedly attempted to bait, pressure, and gaslight me into admitting the charge was mine by claiming I was simply 'confused. ' The representative was intentionally trying to trap me into a false verbal admission to undermine my federal consumer protections under the Fair Credit Billing Act. Because of this abusive and manipulative phone behavior, I had to state 'Good day ' and terminate the call. This aggressive overreach is a direct retaliation tactic meant to intimidate me into dropping my regulatory rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
What Happened : I am filing a formal complaint against InComm Financial Services regarding a systematic failure to provide working replacement cards, resulting in a total loss of {$230.00} across two separate incidents. The company is trapped in a continuous loop of customer service failures that effectively withholds my funds.Incident 1 ( Current - XX/XX/XXXX ) : XX/XX/XXXX : I purchased a {$200.00} Vanilla Gift Card.May XXXX, XXXX : The card was deactivated by the company due to alleged " compromised transactions '' ( which did not happen ). The remaining balance was {$80.00}. Customer service promised a replacement card in 35 business days.May XXXX, XXXX : I received the first replacement card. It did not work. Customer service claimed a " technical issue '' meant it would only work online. It failed to work online as well. I called back, and they promised a second replacement card.XXXX XXXX XXXX ( Today ) : I received the second replacement card. Upon trying to activate it, I was told again that a " technical issue '' prevented activation. Customer service states a third replacement was sent on XX/XX/XXXX, forcing me to wait until late XXXX or early XXXX due to the holiday.Incident XXXX ( Past - XX/XX/XXXX ) : In XX/XX/XXXX, I experienced a nearly identical issue where a card was deactivated for " compromised transactions. '' The promised replacement card never arrived. Because the company refused to help without the replacement card numbers ( which I never received ), I lost over {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX, we applied for a refinance with Chase. Originally we had qualified for an appraisal waiver but were then told we would not qualify. We scheduled the appraisal and then waited for that to clear. I have been diligent in submitting documents in a timely manner. Our original rate lock was for until XX/XX/XXXX. It is now XX/XX/XXXX and we have not closed. It has been an almost 90 day process when my original timeline was much less than this. I have emailed and called the loan processors manager and have not received a direct response from them. In addition, customer service has been lacking and my loan officer has not been communicative throughout this process. The backlog seems to be from negligence from Chase. The difference in cost from our original points to our new point cost is about {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Over the weekend my first payment was supposed to come out the XXXX, I woke up the XXXX and saw it came out but it paid off the whole loan ( {$16000.00} ) and it still took my manual payment of {$160.00}. I called Wells Fargo requesting for my money to be returned ASAP and voiced how frustrated I am because I did not authorize it and I had no emails or anything stating they were taking the whole loan when it was literally the first payment. They kept saying it willl take 10 days to get my money back with it being so much money. I told them thats unacceptable I have bills coming out in 5 days that I cant pay now because of this and they didnt seem to care. My account has XXXX in it and its currently pending supposed to post tomorrow ( XXXX )

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 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
I tried contacting XXXX from XXXX sometime last year. He declined he did anything wrong or took responsibility for anything thing he said prior to selling equipment to my husband and I. Please read letter attached and documents. I provided. Please read solutions written on my attached statement. This is a very delicate matter. I also have sent them a stop and decease letter also told them to contact this number XXXX ( XXXX ) back on XX/XX/XXXX th. good leap has been spoofing numbers with area code XXXX number on purpose calling my husband and I on our cellphones XXXX XXXX XXXX XXXX. I indicated them not to call me since then they have harassed us calling texting, coming to my house leaving notices on my door. I have provided pictures of a stranger coming to my house and leaving letter. Also when i go check my tmobile call log numbers dont appear on my bill. I can not find XXXX XXXX XXXX XXXX XXXX XXXX and i will not pay XXXX to have someone come and put it for Me when i capable of in putting a XXXX i tried calling XXXX and nothing no response no support. I will not Pay {$800.00} tp {$1000.00} for a Simple maintenance. I dont have time in my life to be handling all these issues. I have XXXX XXXX XXXX. My husband is a XXXX XXXX XXXX veteran .. Companies need to learn to conduct themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation