vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This complaint relates to a credit card by Capital one, N.a, A subsidiary of capital one financial corporation.On XX/XX/XXXX I applied for the capital one spark business card because I had a pre-selected/preapproved mail offer from capital one. It says my odds of approval are outstanding and also says once approved as if it was done and signed deal which is very misleading. Because once I applied for the card, I got a hard credit check against my credit, but I received a denial letter saying that I have opened too many new credit cards recently. It did not give me any information on how many cards is too many nor what that time period was for getting these cards. It also did not tell me when I could apply for a card and get approved. So now I have a hard credit check on my credit report with nothing to show for it because they denied my application. Now I have continued to receive pre-selected and pre-approved offers that have the same marketing verbiage. At this point, it is a predatory tactic to get my data because they already have a hard credit check with all my info. Yet they continue to send me these offers. I called capital one today to ask if they could help me with the approval process given the circumstances, they declined to help me at all and when I was referred up to the supervisor, he was unhelpful and refused to give me any additional contacts for either the legal department nor the customer service department. Upon asking him what I could do in the future to make sure that this does not happen and make sure I can get a card without getting a hard credit check and a denial. He refused to give me that information and said that its not within his power.. Even though he refused to transfer me to anyone that could help me I asked to file a formal complaint against their predatory, marketing practices as well as false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I am filing a complaint regarding a denied billing dispute on my PayPal Credit account ( issued by Synchrony Bank ), dispute case number XXXX. This dispute involves a transaction for {$2800.00} for an item purchased through XXXX that was never delivered to my address. The seller provided a XXXX tracking number. However, before delivery, the seller admitted in writing ( via XXXX messages ) that they redirected the shipment to a different address ( their repair facility ). As a result, although the tracking shows delivered, the package was not delivered to me. The seller explicitly confirmed : They redirected the shipment to another address The item would not be delivered to me They would cancel the order and issue a full refund Despite this, no refund was issued. Additionally, the sellers XXXX account has since been suspended.

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 2026-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: UNITED BANKSHARES, INC.
State: VA

Complaint narrative:
Hello my name is XXXX XXXX. I currently have a mortgage with United Bank. My husband had XXXX about 3 years ago and I tried to apply for Loss Mitigation. My credit at that moment was outstanding. In less than a month of submitting for my mortgage loss mitigation I was denied. Due to my income I applied for the government help and was denied since I was still working although my husband was not. My husband than had another XXXX which caused him to not work until last year. I had to file for bankruptcy XXXX XXXX and almost a year on XX/XX/year>. I have post petition balance however, I have made a payment plan until XX/XX/year>. The Vice President from collections has sent me emails back to back harrasing and intimidating myself. I did request for a loss mitigation package and he refused to provide me with a formal document. I have not stopped paying but, currently trying tto catch up to avoid loosing my home as I do have a child to support. I'm not asking for nothing more nothing less. I made a payment of {$3000.00} on XX/XX/year> and the game plan is to catch up by XX/XX/XXXX. I feel vulnerable and for this reason I'm requesting a formal investigation for United Bank to stop discriminating and or harrasing the customers when they are owning up to responsibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I am a borrower on mortgage loan # XXXX, secured by property at XXXX XXXX XXXX, XXXX, FL XXXX. The loan is owned by XXXX XXXX XXXX and subserviced by XXXX XXXX ( now under Rocket Mortgage ). I was approved for and enrolled in a Trial Period Plan ( loan modification ). I made every single trial payment on time and as agreed. As of XX/XX/year>, my servicer 's own portal confirms " Trial Period Plan Complete '' and states they are now preparing my final loan modification documents. Despite my compliance with every term of the trial plan, my credit report currently shows the account as 120+ days delinquent for the months I was actively making payments under the servicer-approved plan. This reporting does not accurately reflect the status of my account. I was not ignoring my obligation. I was making payments under a formal agreement approved by the servicer. I am requesting that the account status be updated to reflect current/paid as agreed for the duration of the trial period, consistent with my actual payment performance under the approved plan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: DE

Complaint narrative:
Subject : FORMAL NOTICE OF NON-COMPLIANCE : Violation of 12 CFR 1005.11 and XX/XX/XXXX CFPB XXXX Order ( Case # XXXX ) Complaint Body : This is my fourth formal complaint regarding Cash Apps ( Block, Inc. ) willful violation of the Electronic Fund Transfer Act ( Regulation E ) and the XX/XX/XXXX CFPB XXXX Order. Despite my previous filings, Cash Apps response dated XX/XX/XXXX, is factually false and demonstrates a bad-faith effort to circumvent federal consumer protections. 1. Factually False Claims to a Federal Agency In their XX/XX/XXXX response, Cash App claims my issue has been " resolved '' and " no additional action is needed. '' This is a demonstrable lie. The {$2600.00} in unauthorized charges ( including a suspicious {$590.00} XXXX XXXX transaction ) has NOT been returned to my account. Cash App is currently misrepresenting the status of a fraud investigation to the CFPB to close a valid complaint. 2. Violation of 12 CFR 1005.11 ( c ) and ( d ) * Failure to Provide Provisional Credit : Cash App failed to provide provisional credit within 10 business days of my XX/XX/XXXX report. It has now been over 55 days. * Failure to Resolve within 45 Days : Cash App has exceeded the maximum legal window for a standard investigation without providing a final resolution or the return of funds. * Failure to Conduct a Reasonable Investigation : My XX/XX/XXXX disputes were denied in under 24 hours. A " reasonable investigation '' into multiple high-value retailers ( XXXX XXXX, XXXX, XXXX XXXX ) is impossible within that timeframe. 3. Direct Contradiction of Evidence Cash App issued a letter on XX/XX/XXXX, explicitly acknowledging that these charges were unauthorized. Despite this written admission of fraud and the submission of a formal Police Report ( attached ), Cash App continues to withhold my funds. Requested Relief : I demand the immediate issuance of a full, permanent credit of {$2600.00}. Furthermore, I request that the CFPB initiate a compliance review of Block , Inc. regarding their adherence to the XX/XX/XXXX Consent Order, as their " speed-denial '' tactics and failure to issue provisional credits are the exact behaviors they were ordered to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, the company issued my Closing Disclosure for a mortgage loan establishing an escrow account for property costs. The Closing Disclosure ( page 4 ) lists the escrowed property costs as " Homeowners Insurance , County Property Tax, City Property Tax, Flood Insurance '' and states : " Your lender may be liable for penalties and interest for failing to make a payment. '' The Year 1 escrow estimate was {$29000.00} substantially exceeding my known annual obligations of approximately {$12000.00} ( {$5300.00} homeowners insurance and {$6700.00} secured property taxes ). Approximately {$22000.00} was refunded from escrow following closing. Despite sufficient funds being held in escrow, the company failed to pay my supplemental property tax bill ( a category of County Property Tax under California law ) when it became due. I was never notified that supplemental taxes would be excluded from automatic escrow payment or that any separate borrower request was required. I discovered the delinquency by independently checking county public tax records. As a result, I incurred {$830.00} in penalties from the county tax collector, calculated as delinquent supplemental tax charges of {$9200.00} minus underlying tax principal of {$8300.00}. I first contacted the company on XX/XX/XXXX, followed up on XX/XX/XXXX, and submitted a formal Notice of Error pursuant to RESPA Section 6 on XX/XX/XXXX. The company 's responses have failed to address : ( 1 ) the contractual basis for excluding supplemental taxes from escrow servicing, ( 2 ) how the {$29000.00} escrow estimate was calculated, or ( 3 ) the lender liability provision in my own Closing Disclosure. The company 's most recent response on XX/XX/XXXX stated only that supplemental taxes require a borrower request without addressing my specific arguments. My follow-up email on XX/XX/XXXX has gone unanswered. I am requesting reimbursement of {$830.00} for penalties caused by the company 's failure to make timely payment from available escrow funds.

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 2026-05-04 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: WI

Complaint narrative:
I am a consumer with a XXXX XXXX ( XXXX ). I have made multiple attempts to request a reasonable accommodation for written-only communication to discuss financial hardship. Capital One has completely failed to acknowledge or respond to these requests over the last 10 business days. This total lack of engagement in the interactive process is a violation of my right to accessible services and prevents me from managing my account. I am seeking a written response and a functional, secure channel for account discussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

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 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 2026-05-04 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: FL

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am a victim of identity theft and submit this affidavit to report fraudulent activity on my EWS file. My name is XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX : XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca. I discovered accounts reported without my authorization, including XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX. I did not open, authorize, or benefit from these accounts, and I did not give permission for my information to be used. I have filed a report with the FTC I request these fraudulent items be blocked and removed under the Fair Credit Reporting Act. I declare under penalty of perjury that this information is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am writing to file a formal complaint against JPMorgan Chase Bank , N.A . regarding a material and unannounced change to the advertised benefits of the Chase Sapphire Reserve credit card. I am a Chase Sapphire Reserve cardholder and pay an annual fee of {$550.00} in exchange for a specific set of benefits, including a XXXX statement credit. Without prior notice, Chase unilaterally modified the terms of this benefit by introducing a {$20.00} minimum order requirement. This change was not communicated to me in advance and constitutes a material alteration to the benefit package I relied upon when agreeing to pay the annual fee. This practice may constitute an unfair, deceptive, or abusive act under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), as cardholders are charged a substantial annual fee based on representations about specific benefits that Chase can quietly diminish without notice or compensation. I am requesting the following resolution : - A prorated refund or statement credit on my annual fee reflecting the diminished value of the XXXX benefit, or - Restoration of the benefit to its original terms for the remainder of my current annual fee cycle. I have not received a satisfactory response from Chase directly and am submitting this complaint so that it is formally on record with the CFPB. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX pa XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
I used cashapp to transfer money to a coworker on XX/XX/XXXX for {$200.00}. The transaction has been pending since then. The money was taken from my account but never sent to the other person. I've called cashapp over 10 times since then but they will not provide any information about the transaction. I am constantly told someone will contact me but no one does. They won't tell me why they took my money or when it will be available. # XXXX is the transaction ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: HI

Complaint narrative:
I provided proof of active homeowner 's insurance to my mortgage servicer/escrow company, including a declarations page showing continuous coverage. Despite this, the company charged my escrow account for force-placed insurance without making reasonable efforts to verify my existing policy or communicate with my insurance provider. I submitted documentation on XX/XX/XXXX and followed up multiple times with no adequate response. This same issue occurred in XX/XX/XXXX, indicating a pattern of failure to properly verify existing insurance before applying force-placed insurance charges. On approximately XX/XX/XXXX, the company emailed confirming that the lender-placed insurance had been cancelled and a refund would be processed within 7-10 business days per Ticket XXXX XXXXXXXX. Despite this written confirmation, no refund was issued and no follow-up communication was provided. On XX/XX/XXXX I sent a written request for confirmation of the refund amount and posting date. Ten days passed with no response. On XX/XX/XXXX, the company charged my escrow account again for the full force-placed insurance amount despite having already confirmed in writing that it was cancelled. This charge was applied with no notice, no explanation, and contradicts their own written communication

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
This is for Ally Auto. I paid off my car on or around XX/XX/2026. I received a email from said company that told me the title had been mailed. Having my correct address they sent it to an old address. I then asked for another one by calling customer service. I gave them a new address to send it to and found out it was sent to the wrong address as well. The address it was sent to was ok because I live there but its a campground so I asked for it to be sent to my XXXX XXXX XXXX so I definitely would get it I havent received either one yet. So I went to the XXXX to find out what I needed to do. They said I needed to get a lien release letter from Ally. They sent it to my closed account which I did not request being closed. However I then had to have them send it to a fax number. This cost me money plus when I got the lien request and took it to the XXXX that cost me money as well. I contacted the retitling people that do there titles and they told me to contact Ally which I have done on 2 difference occasions. All Im requesting is my money back from the fax {$2.00} and the title at the XXXX {$41.00} and some change. Please help if you can. Thanks XXXX 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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America overdrafted my account due to a dispute that I actually won with XXXX XXXX. XXXX XXXX agreed to the refund. But Bank of American did some proccess refund nonsense that has now overdrafted my account XXXX. They also keep taking out maintence fees when I have no money. They purposely put me in the red.

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 2026-05-04 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:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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