vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2025, I initiated a dispute for 2 charges made to my Chase Checking account at the chase branch in XXXX, MA. The first charge, in the amount of {$1000.00} is for a car repair service that was defective ( not performed as agreed / incomplete ) and posted to my account on XX/XX/2025. The second charge, in the amount of {$360.00} and posting to my account on XX/XX/2025 was for an unnecessary car repair that was falsely recommended when I brought the car back after my steering symptoms persisted. Over the course of 2 months, I made several attempts to resolve the problem with the merchant through numerous phone calls & visits to the shop, ( XXXX XXXX repair ) with no success. ( My car continued to exhibit the same steering system problems that I had paid them to resolve ). On XX/XX/2025, during one of my later calls with the shop, the owner stated he was leaving for XXXX XXXX, not to return until mid XX/XX/2025, and that I had to just " keep driving the car '' and that my steering system issues were unrelated to the work he performed. This forced me, for safety reasons, to take my vehicle to 2 other repair shops for 2nd & 3rd opinions ( Ira XXXX of XXXX, MA on XX/XX/2025 and XXXX of XXXX, MA on XX/XX/2025 with XXXX ultimately completing the original repairs on XX/XX/2025 ( due to a 1 week delay in parts arrival ). Even after paying again to have my steering system fixed, I continued reaching out to XXXX auto with 2 follow up phone calls ( XX/XX/2025 & XX/XX/2025 ) to see if we could reach a resolution. On XX/XX/2025, I spoke to the shop assistant asking for the owner to call be back and notified them of the charge dispute. We spoke in detail about my concerns. He said the owner actually wouldn't be back until XX/XX/2025. I got no call back from the owner. On XX/XX/2025, I reached out again through the XXXX XXXX XXXX  but with no response. I continued submitting ongoing claim documentation to Chase bank, arguing that services I paid XXXX Auto were not completed, but chase has not acknowledged my evidence directly, and has instead issued a generic response providing no details supporting their decision to maintain the charges to my account, which has caused it to remain in an overdraft balance. This is also after multiple calls to Chase bank 's dispute department attempting to seek clarification for their decision. On XX/XX/2025, i submitted a dispute appeal letter to Chase ( via their mobile app ) with no direct response from a human.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I asked for proof that they own the debt and that i was the one on the Debt they could not provide proper information, yet they have been reporting that for Years to 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 non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Beginning in approximately XX/XX/year>, Midland Credit Management began contacting me multiple times per day, including during my work hours, regarding an alleged credit card debt. 

I spoke with representatives and explained that I was experiencing financial hardship and had just started a new job on XX/XX/year>, with my first paycheck not scheduled until XX/XX/year> due to the school pay schedule. 

I offered to make a good-faith payment of approximately 10 % of the balance once I was paid. Midland Credit Management rejected this offer and stated that I would need to pay approximately 30 % instead, which I explained I could not afford at that time. 

Midland then proposed a monthly payment plan, and I agreed to an automatic payment of {$75.00} per month, after clearly explaining that my account would not have funds available until after XX/XX/year>. Despite this, the automatic payment was processed before I had income and was declined, as expected based on what I had already disclosed. 

After this, Midland Credit Management threatened legal action on at least two occasions, despite being aware of my financial hardship and ongoing attempts to resolve the matter. The company continued excessive phone calls and has sent repeated collection letters, approximately XXXX to XXXX per month. 

I believe the frequency of calls, the continued pressure after disclosure of hardship, and the threats of legal action under these circumstances constitute unfair and aggressive debt collection practices. I am requesting that Midland Credit Management substantiate its legal right to collect this debt and cease excessive communications and legal threats.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM 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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OK

Complaint narrative:
XX/XX/year> I contact Chime to update my account information so I could get access to my account again. I gave all my information including my name DOB last 4 SSN telephone number and my email. They kept sending me a false link and refused to help me further. I feel like my information was taken advantage of on this phone call and that I gave out too much identity information to not get a resolution. I could hear a woman in the background laughing and it made me very uneasy to know they did not do more to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
Well I found out after sending information pertaining to my dispute, sofi had a dispute representative that didnt properly document my dispute. Since working with a advocate at sofi who stated sofi is not the only entities and its about what can be proved to mastercard, so my proff would be null since the dispute representative wrongfully stated services not recieved. My dispute should have been stated as item not described, I never stated i didnt recieve services, I just didnt recieve the services I paid for

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
I checked my XXXX XXXX and noticed an open collections from XX/XX/year> and last reported on XX/XX/year>. I had to XXXX the company Central Portfolio Control because I have received no mail in my mailbox from them nor was I familiar with who they were although they are listed as the original creditor nor was I familiar with the amount being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: WY

Complaint narrative:
On XX/XX/XXXX, the company informed the CFPB that it was still working on my issue under an active CFPB review. On XX/XX/XXXX, during this same active review period, the company cancelled the only reinstated account ( XXXX ) following a subsequent review. 
This cancellation occurred after company supervisors had previously confirmed that the disputes were submitted in good faith and after the account had already been reinstated. The cancellation represents a new adverse action taken while regulatory review is ongoing. 
This action introduces further inconsistency into the account record, directly affects credit reporting, and impacts ongoing litigation and disputed balances. The cancellation was not disclosed or addressed in the companys prior CFPB response and contradicts the companys stated position that the matter was still under review. 
This complaint is submitted to document the new adverse action taken during an active CFPB review and its continued impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Back in XXXX, I had received an email stating that I had options. Available from first mark services, I responded asking what the options were. And I was told that there were none. I then received an email with the subject line, contact first, mark services immediately options available, which I replied on XX/XX/XXXX. What options are available? I was then told there. There are no options with this account again per the email that she had sent on XXXX the XXXX XXXX. She said the emails are pregenerated, and she apologized as they are not allowed to change them. Currently {$1100.00}, and XXXX cents will stop the default in {$1300.00}. And XXXX cents will pay off the account in full of pay by the XXXX. I then responded on XX/XX/XXXX I know I asked the last time. Also I kept the previous email with you stating that, but once again, I received an email stating the options are available under the ftcpa at that collector falsely claiming to have repayment options would none exist, as inconsidered a deceptive. Practice, which is illegal collectors, must not use false or misleading statements to collect that. I then received her email response later that day stating that this is a generic template for all customers, the lender offered assistance at XXXX point and it has been maxed. I was just sending the only email I had available to let you know how much had to be paid to prevent default, I have submitted a complaint on your behalf. Regarding the misleading email body regarding assistance that isn't available. This was back on XXXX the XXXX I have not heard anything since I have not received any sort of response for the complaint that she was supposed to have submitted nor have I been given any repayment options as far as I know, this is now in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank closed my small business bank account on XXXX without providing a specific reason. At the time of closure, my account held approximately {$3700.00}. 

The funds originated from a XXXX transaction sent by a business based in XXXX. The transaction was successfully completed, and there was no dispute, chargeback, or claim initiated by the sender. XXXX confirmed that the funds were properly sent and received by Chase.

After the account closure, Chase informed me that the funds were being held for review. When I contacted Chase to resolve the issue, I was not provided with a case or reference number and was repeatedly denied escalation beyond a supervisor.

Chase stated that they needed to verify the originating company and demanded a phone number. I provided a valid phone number for the company ; however, because the number was outside the United States, Chase refused to accept it. I explained that the company operates outside the XXXX and therefore does not have a XXXX phone number. Despite this, Chase refused to accept the foreign number and denied any alternative method of verification, effectively blocking any path to resolution. 

I also explained that the transfer was made through XXXX and that Chase could coordinate verification through XXXX, which already has a relationship with the originating company and confirmed the legitimacy of the transaction. This option was also refused by Chase, without explanation. 

I clarified multiple times that the originating company has not filed any dispute, claim, or chargeback. Chase was unable to explain what was being verified, why the funds were being held, or why no alternative verification options were available. 

In addition, Chase stated that they are unable to send me correspondence regarding this matter, while at the same time revoking my access to my online banking profile. Because my online access was removed, I am unable to view any electronic letters or notices that Chase claims to send through that system. As a result, I currently have no effective way to receive written communication or updates regarding the status of my funds.

As the only option provided, Chase told me that if I could not meet their verification demand, I would have to wait up to XXXX years for the funds to be released to the state as unclaimed property and then attempt to recover them from the state. No other resolution, alternative verification method, or written explanation was offered. 

I am requesting a clear written explanation of the legal basis for holding my funds, a case reference number, restoration of a reasonable communication method, and resolution of whether the funds will be released to me or returned to the original sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX # ending in XXXX not my SSN # plus I already have a collection placed on my account LVNV Funding for XXXX Account in XXXX  by LVNV Funding from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
NCA is falsely reporting on my credit. I have never had any accounts with them. Per my research NCA 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 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
Was sued by Jefferson Capital Systems LLC, for debt that I didn't get any written proof that I gave permission to collect on this when it was written off, Was to go to court on XX/XX/year>. I forgot about it and was issued to pay {$2200.00}. This I can't afford, On XX/XX/year> I sent a show cause and to cease and dismiss letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: MN

Complaint narrative:
Frequent texts that follow identical script : This is Unifin, a debt collector. Contact us about ref XXXX XXXX XXXX XXXX or XXXX ChargesMayApply Reply STOP to stop texts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I am writing to make a discrimination complaint against the following financial institution : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX The complaint : On XX/XX/year> ; I applied online for the Signature Credit Card iffered by this bank. 

XXXX XXXX. XXXX I have an existing credit card that I have had with this bank since XXXX 2025. 

It is important to mention that my payment history on this card is fast and flawless. 


My application was denied despite the fact that my XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

I requested the bank to reconsider my application. My request for reconsideration was also denied, however.

The bank claims that they declined my application because their customers can not have more than one credit card with them Their own branch managers confirmed to me that they have many customers with two credit cards.

I believe that this bank is biased against me and discriminating against me on the basis of perceived national origin, perceived religion, perceived race, and perceived ethnicity, Perceived religion : Individuals perceived to be part of a certain religious group are also protected from discrimination. 

This is particularly relevant for XXXX XXXX individuals, who may face religiously indiscriminate racialization or Islamophobia from others who mistakenly perceive them as XXXX. 

Federal law protects individuals from discrimination based on actual or perceived religious affiliation or ethnic characteristics.

Federal laws likeTitle VII of the Civil Rights Act of 1964andTitle VIprotect individuals from discrimination based on actual or perceived religion, shared ancestry, and ethnic characteristics in employment and federally funded programs, prohibiting bias in hiring, treatment, and services, even covering stereotypes and cultural practices linked to these traits, not just explicit religious/ethnic identity.

https : //www.dhs.gov/archive/news/

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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I received an unsolicited SMS message stating I would receive ongoing debt-collection messages. I never provided consent for SMS communication, never opted into any text program, and have no prior relationship with this debt collector. The message falsely implied enrollment and consent. This appears to violate the FDCPA and TCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Mercury Financial Intermediate LLC
State: MI

Complaint narrative:
Card opened XX/XX/XXXX as no-fee. XXXX XXXX XXXX of {$150.00} added XX/XX/XXXX. Called company on XX/XX/XXXX to ask about this fee and dispute it. They claimed a letter had been sent advising terms changed and letter gave option to close account. This notice was not received by myself nor my husband who is also a card holder. No downgrade or fee-free alternative is available. Fee was imposed without affirmative consent. Closing the account is not a reasonable opt-out because the account carries an existing balance. I was offered a {$50.00} retention offer instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: TX

Complaint narrative:
for the past XXXX months straight just about every day they have been harassing me with calls about an alleged debt that needs to be collected. And Ive told them once, and now twice that my only convenient method of communication is through mail Postal Service. and today was the last straw. and i have verified my identity with them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
This bank is absolutely terrible, completely lacking in integrity, constantly misleading and inconveniencing customers. I have reason to believe this bank is indirectly misappropriating customer funds. My account has been restricted since XXXX, and they are still conducting a so-called investigation. I don't understand what there is to investigate that requires so much time. I requested a check be sent to me, but they refused, forcing me to contact the transferring bank to cancel the transaction. When I asked too many questions, they became impatient and even hung up on me. I had no choice but to do as they said, but even now they haven't processed the cancellation request. They even claimed on the phone that no bank had contacted them. I just uploaded screenshots clearly showing that I requested XXXX to cancel the transaction on XX/XX/XXXX. However, on XX/XX/XXXX, I received a reply from XXXX stating that Ally Bank was being uncooperative and not processing the request. XXXX also applied for a cancellation on XX/XX/XXXX, and it still hasn't been processed. Ally Bank is a large bank that bullies its customers, taking advantage of the fact that they don't have physical branches, making it difficult to hold them accountable. I have complained to them multiple times, but their responses are always evasive and lack concrete solutions. I just want my money back as soon as possible. This bank has truly broken my XXXX ; I have never seen such a domineering and barbaric bank. I demand that they immediately close my account and send me a check or immediately cooperate with the transferring bank to process the cancellation of the transfer.

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