vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 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: NY

Complaint narrative:
Capital One Bank forfeited {$5200.00} in cash back points. This situation stems from my not submitting a good standing letter as requested, which violates XXXX XXXX XXXX law XXXX. 
At first they restricted my account without warning. I tried using my card in a store and it was declined! After a few weeks ; I got a notice giving me 45 days to submit the letter they requested. My account was just closed a few days ago and all my cash pointed were gone. I called to complain, but I could get anywhere with only standard preprogramed answersXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA falsely debited {$28000.00} from my checking account. They were provided with proof that the {$28000.00} was never transacted with any entity and is currently in pending status, which has resulted in a negative balance of {$15000.00}. This has put me in deep financial stress. The events leading to this error began this morning at approximately XXXX XXXX  ( MDT ), when I attempted to purchase Crypto tokens through my XXXX application. I made a {$10000.00} purchase of XXXX XXXX and received an " insufficient funds '' message from XXXX. Knowing I had sufficient funds for this transaction, I tried it a second time, and was met withthe same " insufficient funds : message. I then lowered the amount to {$8500.00} and was again told there were insufficient funds. I have a second payment route on XXXX that uses my debit card through XXXX. I was able to purchase {$4.00} worth of tokens via this method. All was fine until I received an email from XXXX that a purchase I made was rejected by USAA due to insufficient funds. I then checked my USAA app and saw that USAA debited the full {$28000.00} ( failed on XXXX  due to insufficient funds ) from my checking account. I confirmed with XXXX that they never received the {$28000.00}. I contacted USAA and asked why this money was debited from my account. USAA confirmed that the money did not go to XXXX or to anyone else, but was stuck in a " Pending '' status. I asked how they could debit something that never went anywhere, and, as a result, my account was placed in a {$12000.00} deficit. This had a cascading effect on other scheduled payees, who now got an insufficient funds notice. USAA said they could not override the " Pending '' status, and I needed to wait 3 to 5 days for the system to reconcile the error. I vehemently explained that this error was having a significant negative impact on my credit and ability to pay my bills. I requested a Dispute be opened, which they did. I asked that they escalate the issue by manually restoring the debited funds to my account. They refused to do that.

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 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
Monterey Collection SV is attempting to collect and/or report an alleged debt without lawful authority, written authorization, or a valid chain of assignment. I dispute this debt in full. Despite having no legal standing, the company has engaged in deceptive and unfair collection practices, including improper credit reporting. 

The agency has failed to provide competent validation as required under 15 U.S.C. 1692g, continues to misrepresent its authority under 1692e, and has engaged in unfair practices under 1692f.

A formal Cease and Desist / Demand for Account Closure has been issued. Continued activity constitutes knowing and willful violations of federal law. 

Requested Resolution : Immediate cessation of all collection activity Permanent deletion of all credit reporting related to this account Closure and removal of the account from Monterey Collection SVs system Regulatory enforcement action as deemed appropriate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: CA

Complaint narrative:
XXXX. Timeline of Events XX/XX/year> I attempted to place an online order with XXXX  using Klarna Pay Over Time. 
Order Reference : XXXX Order Total Shown by Klarna : {$170.00} Klarna placed a down payment charge of {$35.00} on my XXXX XXXX  XXXX account. 
XXXX later confirmed this order failed and was not processed. 

XX/XX/year> I attempted a second purchase with XXXX, again using Klarna Pay in 4. 
Order Reference : XXXX Order Total Shown by Klarna : {$49.00} Klarna placed a down payment charge of {$17.00} on my XXXX XXXX XXXXXXXX account. 
XXXX later confirmed this order also failed and was not processed. 

XX/XX/year> I received official cancellation emails from XXXX ( via SiteGenesis ) confirming : Both Order XXXX and XXXX were cancelled No items were shipped or fulfilled XX/XX/year> XXXX customer support confirmed in writing : Both orders were unsuccessful / failed No final charge was posted by XXXX They advised the charges were authorization holds and should drop within XXXX business days After XX/XX/year> Despite XXXX  confirming both orders failed : Klarna continues to treat both transactions as active payment plans Klarna shows future scheduled payments Klarna states they can not cancel the charges unless XXXX stops processing, while XXXX states they can not take action because no charge was processed As a result, the charges remain on my XXXX XXXX XXXX account with future payments scheduled I am disputing XXXX charges on my XXXX XXXX  XXXX account related to purchases made through Klarna for XXXX orders that were never successfully processed or fulfilled. 
On XX/XX/year> and XX/XX/year>, I attempted to place XXXX separate orders with XXXX using Klarna financing. Both transactions failed on XXXX system, and I later received written confirmation from XXXX that both orders were unsuccessful and officially cancelled. No items were shipped or delivered. 
Despite this, Klarna placed down payment charges on my XXXX XXXX XXXX account in the amounts of {$35.00} and {$17.00}, corresponding to the failed orders. Klarna is continuing to treat these as active payment plans and has scheduled future monthly charges, even though the merchant confirms no completed purchase occurred. 

XXXX has confirmed in writing that : Both orders failed No final charges were posted by them The transactions should not exist as completed purchases Klarna states they can not cancel the charges unless XXXX takes action, while XXXX states they can not take further action because the orders never processed. This has left me with ongoing charges for merchandise that was never successfully ordered or received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
I have XXXX outstanding cases with XXXX for cards that have been locked since XXXX : A XXXX XXXX ending in XXXX and another XXXX XXXX ending in XXXX. The company has requested documentation on the purchase of the cards to reissue, refund, or unlock these cards. I have sent the documentation countless times and have sent emails DAILY for over XXXX MONTHS with no resolution. I am owed {$400.00} and will take XXXX to XXXX XXXX XXXX if these cards can not be reissued, refunded, or unlocked in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMorgan Chase Bank issued a Loan Estimate stating that to proceed with the loan, I was required to submit an earnest money payment to demonstrate seriousness. In reliance on that representation, I submitted the earnest money exactly as instructed, via Certified Mail. Second, bank accepted delivery and signed for the mailing. Instead of processing the earnest money or continuing the loan process, the bank removed the contents, voided the check, placed all documents back into the original envelope, and returned the entire package to me via XXXX, which constitutes tampering with mail after delivery, and willful obstruction of commerce trade. This included the signature page they specifically requested. No explanation, rejection notice, or adverse action notice was provided. No underwriting determination was issued. The banks actions halted the mortgage process after inducement and performance on my part. This conduct constitutes bad faith mortgage origination practices, failure to follow stated loan procedures, and obstruction of a residential loan process after demand for payment. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I, XXXX XXXX XXXX XXXX visited Chase Bank XXXX XXXX XXXXXXXX located on XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX at XXXX and made a cash ATM deposit of {$2000.00} in which did not post to my checking account ending in XXXX. I received a ATM receipt stating of ATM error and must call to report. I immediately called Chase and filed my dispute for missing ATM deposit and was advised my claim would be resolved and would receive a provisional credit in a matter of XXXX bus days. Later that afternoon at XXXX I visited Chase Bank XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX and made a teller deposit for a seperate amount of {$2000.00} transaction # XXXX to account number XXXX following day, XX/XX/year> I woke up to a Chase letter in my mobile banking app stating my claim was closed due to the issue being resolved due to Chase crediting my account which did not happen and is completely false. Reference # XXXX. I right away called Chase customer service and explained in detail that only XXXX deposits were made XXXX which did not post at ATM and XXXX teller deposit that did. After going back and forth I was advised my claim would be escalated and issue would be resolved while providing all supporting documentation such as all receipts and written statement. On the XXXX business day XX/XX/year> I called Chase once again requesting a update on my escalated claim and was informed that the matter had not been resolved and was promised XXXX bus days was needed for a resolution. And no further action was needed. On Friday XX/XX/year> I called Chase again requesting another claim status update and was unfortunately advised that no update was present must call back on Tuesday XX/XX/XXXX for a guaranteed resolution. Today XX/XX/year> I called Chase feeling very doubtful and sure enough I was advised my escalated claim was closed due to Chase bank crediting my account which once again has not yet happened. The agent very rudely advised my claim is going to be researched for the third time and must wait another XXXX business days. I am writing to formally express my dissatisfaction and disappointment with the service I have received from Chase bank and all bank employees. Unfortunately, my recent experience has not met the level of professionalism, communication, or customer care I expect, I feel neglected and undervalued as a customer. The issue has caused unnecessary inconvenience and frustration, and despite my efforts to resolve it, I have not received a satisfactory response or solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
SYNCHRONY BANK has closed CareCredit account stating NO OPEN REAL ESTATE. 
I find this to be discriminating and prejudice in reference to this action. 

They do not know what someone is or has been going through such as XXXX XXXX XXXX  or XXXX, so it is NOT their place to prejudge and close out accounts.

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 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
This is in addition to XXXX. I called and spoke to a supervisor/manager. She gave her name but said they do not have employee ID or like that to give. She stated there was nothing they could do even with the letter from the Bureau stating what they provided was insufficient. Please see the attached letter from the Bureau stating it is insufficient and why. They still stated there was no letter I could request and their letter was approved by their lawyer and they can not change any language. They also stated their timeline for a deletion letter was still over 30 days out and they can not change that or send one sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute of the alleged debt referenced in the email sent to me on XX/XX/2026, by your former servicer, XXXX XXXX, who stated they were collecting on your behalf. 

On XX/XX/2026, I submitted a timely dispute and request for validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Immediately after my dispute was submitted, XXXX responded claiming they are no longer servicing my account. This sequence of events is irregular and raises concerns about the accuracy, ownership, and handling of this alleged debt. 

Accordingly, I am directing this dispute and demand for validation to Jefferson Capital Systems LLC as the alleged owner of the debt.

I do not acknowledge any obligation for this alleged debt. You are required to provide competent and complete evidence that I am legally obligated to pay, including but not limited to : Written confirmation that Jefferson Capital Systems LLC is the current owner of the alleged debt. 

Documentation establishing the chain of title / assignment from the original creditor through all transfers. 

The exact amount of the alleged debt, including a full itemization of principal, interest, fees, and any other charges. 

Copies of any signed agreements, contracts, or original account documents bearing my signature that create a legal obligation. 

Proof that any third party involved, including XXXX XXXX, was legally authorized to service or collect on this account at the time they contacted me. 

Proof that the alleged debt is within the statute of limitations. 

A copy of any judgment, if applicable. 

Until proper validation is provided, all collection activity must immediately cease, including phone calls, emails, letters, and credit reporting.

If you are unable or unwilling to provide proper validation, you are legally required under the FCRA ( 15 U.S.C. 1681 ) to delete this account from all consumer credit reporting agencies, as unverified debt can not be reported as accurate. 

Any further collection activity or furnishing of information without validation will be documented as a potential violation of federal and state law. 

This notice is not a refusal to pay. It is a lawful demand for verification of your claim. Please provide all documentation electronically. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I signed a lease agreement with XXXX XXXX XXXX XXXX XXXX on the XXXX of XXXX, XXXX. As per the agreement, I completed my moving inspection, uploaded the relevant pictures on the portal and moved in. There were some existing damages before my move-in which were documented and uploaded in the move-in inspection. 

I moved out around the XXXX of XXXX, XXXX, which was the lease end date. I was later sent some damage charges for all the damages that were already documented and were there existing before my move-in. When I tried to show them my move-in inspection evidence, they cut my access to the portal too. 

I tried disputing the charges but I was never ever responded to respectfully. The manager XXXX is always in meetings. I requested to put in touch with the office but all I received was 'we will give you a callback '. Thats it. Luckily I had all the evidence documented and I request to get these debt charges of me and clean my credit report.

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 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
XX/XX/year> I called to pay the amount that was mailed to me so that I can be done with this. It took me more than 2 months to save the {$3000.00} that the XXXX said I needed to pay. When I called they Gurshel Law Firm debt collector employees said that I needed to pay {$4400.00}. This has gone on for way too long and they keep doing this. I have called to try and pay multiple times and they always say something different. 

The lady I spoke to threatened me with wage garnishments. I got really upset because I called to pay not to be threatened. That it when the supervisor got on the phone. He did not mention the wage garnishment. 

I always feel like they want to keep me in this XXXX  loop. This needs to stop. I am going to start looking for legal counsel to sue for financial XXXX  and XXXX XXXX This is still going after XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Deposit check check has cleared now won't release funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
personal information forwarded without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: AL

Complaint narrative:
Beginning in XXXX, I disputed this mortgage account in writing and requested validation and clarification of United Wholesale Mortgage, LLCs authority to service, collect, and furnish information regarding the account. I sent multiple written notices in good faith, including follow-up correspondence and escalation, but the company failed to cure the issues or clearly identify a lawful creditor. 

On XX/XX/XXXX, I sent a formal Notice of Disputed Authority, Cease Telephonic Communication, and Preservation of Records. XXXX XXXX XXXX received this notice on XX/XX/XXXX. Despite receipt, the company placed a telephonic collection call on XX/XX/XXXX at approximately XXXX XXXX, and again on XX/XX/XXXX at approximately XXXX PM. 

On XX/XX/XXXX, the company also received executive-level escalation, a Notice of Administrative Default and Estoppel , and settlement correspondence. Despite this, United Wholesale Mortgage continued treating the account as delinquent and furnishing adverse credit information without properly resolving the dispute or marking the account as disputed. 

I am seeking CFPB review of the companys servicing conduct, continued collection activity after written notice, and adverse credit reporting during an active dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
To Whom It May Concern, This communication constitutes a formal dispute of the above-referenced account and a demand for full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I do not acknowledge any obligation for this alleged debt.

You reference Account Number XXXX and claim an alleged balance of {$23.00}. You are hereby required to provide competent and complete evidence that I am legally obligated to pay this amount, including but not limited to the following : The exact amount of the alleged debt, including a complete itemization of principal, interest, fees, and any additional charges. 

The name and address of the original creditor and documentation establishing the chain of assignment or ownership, including the bill of sale and any assignments showing Midland Credit Managements authority to collect on this account.

Copies of any signed agreements, contracts, or other documents bearing my signature that create a legal obligation to pay this debt.

Proof that Midland Credit Management is properly licensed and authorized to collect debts in my state.

Proof that the alleged debt is within the applicable statute of limitations.

A copy of any judgment you claim exists, if applicable.

Until proper validation is provided, you are legally required to cease all collection activity, including but not limited to phone calls, written communications, and credit reporting.

If you are unable or unwilling to provide proper validation, you are required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) to delete this account from any and all consumer credit reporting agencies to which you have furnished information, as the debt can not be verified as accurate. 

Any continued collection activity or credit reporting without first providing proper validation will be documented and may constitute violations of federal and state law.

This notice is not a refusal to pay. It is a lawful demand for verification of your claim. Provide all requested documentation electronically. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation