vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the validity of the above-referenced debt currently being reported on my credit file. This account is entirely inaccurate, and I request that your agency immediately cease reporting it and request its complete removal from all credit bureaus. The rental container from XXXX was successfully returned, emptied, and officially picked up by a XXXX driver in XX/XX/year>. This concluded my service and full fulfillment of my financial obligations to the company. Please see the attached evidence supporting the immediate removal of this collection : Exhibit A ( XXXX Confirmation ) : An email from PODS dated XX/XX/year>, acknowledging that their records indicate my container rental was picked up, accompanied by a request to fill out a post-service experience survey. Exhibit B ( Billing Error Notice ) : An email I sent to XXXX Customer Service on XX/XX/year>, explicitly notifying them that my move was complete, the container was gone, and that their automated system was erroneously attempting to continue charging my account. XXXX never responded to this notice, never sent a bill for any outstanding balances, and never notified me of any remaining debt. The alleged balance is the result of a corporate billing error where charges continued to accumulate afterthe physical property was returned and verified as received by the company. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), you are required to validate this debt and ensure reported information is accurate. Because the original creditor acknowledged receipt of the property in XX/XX/year>, any charges generated after that date are invalid. It seems maybe at the time of pickup must have triggered another month, and if stated that in email that my order was complete and I shouldve been cleared. It seems maybe the billing department got with the dates the wrong way? Im not sure but i didnt gain or benefit during that additional month as my time was completed. I wasnt storing a container, i was completing an order Please update my credit file to reflect that this account is disputed, investigate this matter with the original creditor using the provided documentation, and remove this negative trade line from my credit reports immediately. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I dispute this account as fraudulent. I do not recognize this debt and did not authorize this account. I first became aware of it when reviewing my credit report. I request that this account be investigated and removed from my credit report if it can not be verified as belonging to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A capitol one account was open see illegally in my name and Capitol one has failed to do a thorough investigation on my identity theft case. I won my identity theft case with the credit bureaus And capitol one is still reporting unauthorized debt to my credit report. XXXX deleted the account and capitol one added it back to my credit report without doing a thorough investigation. I ask that the cfpb can intervene and get this unfortunate situation handled immediately. I never done business with capitol one ever and they arent giving me any answers just telling me to wait when I have summited all evidence to prove this wasnt me. Please help me immediately. I spoke with ( supervisor ) XXXX XXXX and he had no intentions on helping me with this matter case number ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is the information that they asked me to provide to them.And when I talked to them or the phone I told them, I would not be sending any information, but I am requesting information from you guys about the account and the matter of receiving {$660.00} that was overtaken from me and there was no response except it was taking off my credit report and the account is closed. I said, but you are still being investigated. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
As of XX/XX/XXXX, I made a payment of XXXX dollars to a known creditor and was double billed by the Bank who at first replaced the overcharge, then put it back on the card. I've since closed the account, placed two fraud reports, and had them both not reported. The money has not been replaced on the account, and now they are trying to charge me late fees for not paying off the existing balance on the account. I've also talked to the creditor who says that they didn't receive the additional payment of XXXX. Which means that there is a XXXX payment out there somewhere that has not been accounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX XXXX we are struggling right now. I am currently taking care of my grandparents because their XXXX has been cut so Im helping out with their medical expenses. I lost my job XX/XX/XXXX. I have been working like sporadic jobs just to bring in some income and continue to take care of my bills. I got hired on part-time status with my former employer and receive Unemployment, so once I got my checking account unfrozen ( which took XXXX weeks ) Capital One decide to close both my credit cards saying due to the fact that my payments/two payments had come back rejected. They went ahead and closed the account. I requested to speak to a supervisor to ask the accounts to be open and explain why because I like everyone else is going through a hardship in todays XXXX, they simply close the account and they have not even given me a second consideration as long as Ive been with them. I also wan na find out if theres a lawsuit against Capital One for over charges and financial dishonesty with the consumers. I need to join it and I definitely have a right too after the way Ive been treated by Capital One for my XXXX card and my XXXX card. So now Im making payments on closed credit cards. I have no credit cards to help me in case of an emergency now and I have to get a credit card cosigned by a family member and I am so done with Capital One. They are disgusting horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am disputing the validity and collectability of an alleged debt that has been placed with collections. On XX/XX/year>, I was contacted by Capitol One, N.A. regarding an alleged debt in the amount of {$13000.00}. After receiving notice of the collection activity, I requested documentation establishing the company 's legal authority to collect on the account. Specifically, I requested : A bill of sale relating to the account. Documentation demonstrating a complete and unbroken chain of title from the original creditor to the current debt owner. Any assignment or transfer agreements showing that the account was lawfully transferred and that the company has the right to collect. On XX/XX/year>, I submitted my request for validation and supporting documentation. Despite my requests, the company has not provided sufficient documentation demonstrating ownership of the debt or its authority to collect. The company continues to pursue collection of the account and/or report the account to consumer reporting agencies without providing the documentation necessary to verify its standing. I am seeking a resolution that includes a complete investigation of the account, verification of the company 's authority to collect, and correction of any inaccurate reporting or collection activity if the company can not establish ownership and collection rights. I am willing to discuss a reasonable settlement if the company can provide adequate documentation supporting its claim and legal authority to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/XXXX I applied balance transfer from CapitalOne XXXX to payoff XXXX XXXX XXXX for amt. {$3400.00}. CapitalOne It will 5 to 10 Days XX/XX/XXXX CapitalOne XXXX XXXX XXXX has not received balance CapitalOne Will need 5 to 10 more days I told CapitalOne to Cancel Transaction CapitalOne Can not cancel transfer because Electronic Check. I I am paying XXXX XXXX {$300.00} mthly I. am paying CapitalOne {$300.00}, it is putting a strain on my budget XX/XX/XXXX. 5 months later XXXX XXXX XXXX is requesting check # to help in investigation. CapitalOne refused because Electronic Check I asked for transaction number and also refused. Cancel Transaction. I asked for a Supervisor.case closed!!! How can it be Closed when I have no satisfaction. XX/XX/XXXX Paid to XXXX XXXX {$300.00} To CapitalOne {$300.00} XX/XX/XXXX {$300.00}. {$300.00} XX/XX/XXXX. {$300.00}. {$120.00} XX/XX/XXXX {$300.00}. {$120.00} XX/XX/XXXX {$300.00}. {$150.00} XX/XX/XXXX. {$300.00}. {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
My mortgage servicer, Carrington Mortgage Services, has been collecting escrow funds as part of my monthly mortgage payment for homeowners insurance and property taxes. Despite collecting escrow funds for insurance, my homeowners insurance policy with XXXX XXXX XXXX XXXX lapsed on XX/XX/year> due to non-payment of the renewal premium. I was never informed that the insurance premium had not been paid, that the policy had lapsed, or that my property was uninsured. I only discovered the issue after suffering property damages. My mortgage statements show that Carrington continued collecting escrow funds designated for insurance and later placed lender-placed insurance on the property. I am requesting an investigation into why the renewal premium was not paid from escrow, why I was not properly notified of the lapse, and whether Carrington fulfilled its obligations regarding escrow administration and insurance payments. I am requesting copies of all escrow analyses, insurance payment records, cancellation notices, renewal notices, and lender-placed insurance documents related to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Central Portfolio Control Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX my father forwarded me an email regarding an email he received about a debt that I have made payment arrangements for. The email he forwarded me contained, the name of the original debt ( XXXX XXXX ), original creditor of XXXX XXXX, the amount that is due, the payment and history of payments that I have made. I contacted them and they indicated that they would remove the address, and admitted it was an email address that was associated with me. I advised that it was not. It was an email address that was associated with me in only that I worked for a company that used that email address over 18 years ago. My last days at my father 's company was back in XXXX, and I never used the email address for any personal transactions and would have never used it on an account that I opened over a decade later. They indicated they would remove the address, and I asked for compensation in some manner. I advised you couldn't put the genie back in the bottle, my information was compromised to another person, whether it is my father or not, it is inappropriate and I should be compensated in some way. It is a matter of privacy and reporting to an email address when an email address can be recycled, 100 % inappropriate to utilize an email address to a company I used to work for. How many other previous email addresses they would just send my personal information out to ( they had 5 on file from the person on the original call told me ). They indicated they would forward it to the manager as I requested. They called me back, and when I contacted the number provided it was the original person I spoke with and he indicated they removed it and that was all they would do for me. I advised them I would be reaching out the CFPB for further assistance. From his candor on the phone he did not care what further actions I took. My father is XXXX XXXX XXXX and I don't need him to be concerned with my well-being and he does not need to be worrying about my debt. It is 100 % inappropriate for them to use my father 's email address to provide my personal information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Received a phone call on XX/XX/year> @ XXXX regarding my Chase card ( I do have a Chase card ) and fraudulent charges allegedly made in XXXX XXXX, FL. The caller introduced himself as XXXX from Chase and tried to elicit information by attempting to have me download XXXX XXXX in the app store. I told him it was interesting that the number he was calling me from ( XXXX ) was tied to an escort service in XXXX XXXX and that I knew he was trying to scam me. He got angry, and I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
I did apply for a credit card from XXXX credit after I got the card I saw fraudulent charges on the card I called them and reported the charges the disputed it and received all the money back they cancelled the card up on this day they didnt send me a nother card I never shop either the card or used it for any kind of purchases in XXXX last year they send me a bill saying new balance {$16.00} I send them a check for the $ XXXXnow they have collection sending me letters that I owe {$250.00} I send all information to the collections they still insist that I owe this amount which the bill tells it all.

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 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I have been a customer with Chrysler Capital for XXXX years with a XXXX XXXX XXXX. My monthly payment of {$980.00} has been unaffordable since the origination of this loan. My account history reflects this including multiple payment extensions and occasional late payments demonstrating this payment has never been within my financial means. I recently purchased a home which has further strained my budget. I am currently 30 days past due. In XX/XX/XXXX I contacted Chrysler Capital multiple times by phone requesting a loan restructure or term extension to 84 months which would lower my payment to approximately {$640.00} per month. I was told by customer service representatives and a supervisor that no options were available to me. I then sent a formal written hardship escalation request to Chrysler Capital in XX/XX/XXXX requesting an 84 month term extension on my remaining balance of {$42000.00} at my current interest rate of 6.9 %. This is a reasonable request that would allow me to remain a paying customer in good standing and avoid repossession. Chrysler Capital has refused to offer any hardship assistance whatsoever despite my documented financial hardship and XXXX years as a customer. I am requesting that Chrysler Capital be required to formally review my account for an 84 month term restructure. I want to keep this vehicle and continue paying this debt. I simply need the terms adjusted to reflect what I can realistically afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/XXXX, I moved {$760.00} from my Chime credit Builder account to my checking acct. Immediately after, I clicked the link given to me by XXXX XXXX XXXX XXXX to make my car and loan payments. The Chime rep went through each payment and said they were paid except the funds were held up by the merchant because of the CVV code. Now the funds have been removed from my account and stuck with the merchant and not paid to XXXX XXXX. This happened to me before only at a restaurant. The owner had to call the merchant card machine to release the funds. Had she not do that they would have kept my money and I would be lost of my money with no explanation. The Chime bank did not help. Same bank but different merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-30 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:
An AI company, XXXX, had made XXXX total fraudulant charges on XXXX XXXX, 2026, of {$20.00} payments of {$190.00}, successfully taken out of my account. I have made XXXX police reports and a XXXX report to against this company. I also found a locations and phone numbers. My Bank- Chime XXXX had denied my claims while investigating and seen no error. I had to do XXXX disputes on these fraudulant transactions from XXXX, with proof police log numbers. I was also told I would get a credit of the amount from a Chime representative and never received one. Chime resolution team has also denied my XXXX request to dispute the transactions and hung up on me on the phone on XXXX XXXX, 2026. I am now making a complaint through Chime-XXXX XXXX company to investigate their lack of investigation towrd XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I would like for this important information to be utilized in order to protect your rights and truly understand that Chime Banking is not a Bank! I would define them as a glorified call center at best though they are FDIC insured by real banks so do not be fooled by their glorified explanation of being a bank by their mobile app or any other support they say that they offer. 1. Chime Banking has failed to protect my personal information from a merchant that I immediately reported 2. Chime Banking customer support is poor, they have no one that can really help because you think you are speaking with a real bank but YOU ARE NOT! 3. I have a dispute pending that was reported on XX/XX/year>2026 and is still not resolved or even being acknowledge ( large monetary value ) 4. Be cautious

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime bank XXXX report file dispute transaction occur on my account. And chime not responding only send me XXXX refund joke. Strictly take action against chime and person who received my money This money transfer used unknown person is not authorized me Strictly 3 person involved. There is transaction evidence I have on my records This case already submit Illinois Att general for illegal money transfer those person received. Consumer fraud taking action and I want my money XXXX back. My wife account also close but person is still active report file consumer. And XXXX XXXX account. This matter is seriously because thus person still have my Information, my wife infomation.

Company response to consumer: Closed with explanation