vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filling complaint against cash app ( block, inc. ) due to inadequate customer services and unfair practices, which violate consumer financial act the XXXX. Specifically Cash app failed to take timely and effective measures to address and prevent fraud on their platform leaving my account vulnerable and unprotected. Futhermore their dispute resolution process was unfair And deceptive as they did not comply With the error resolution process requirements under the electronic funds transfer act and resolution ( Efta ) and Regulations E. these actions have

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX led by XXXX XXXX is a self proclaimed recruiting, onboarding, training and mentorship company for roofing companies. They provide these services to members of the " Platform '' that is reputable partner brands so there was a level of initial XXXX trust. I paid this company {$5000.00} to provide the above services and they couldn't get anyone hired. So step XXXX of the hiring process was never completed neither were any of the following. I have proof they agreed they royally screwed up and they would replace a class in XXXX or XXXX That didn't happen. I asked for refund several times and was denied by the merchant who is known in this industry as a shady player. Not the worst I've heard of but certainly some skewed ethics. Services were not delivered, the merchant can't prove it and thus far Capital One has denied the chargeback twice stating that if the merchant doesn't agree there is nothing they can do. They have no investigative nature to it and blindly trust merchants even though I have provided backup and the merchant can't provide any proof bc there isn't any of a single hire.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I am filing another complaint against JPMorgan Chase Bank regarding the handling of my account during a fraud investigation and the removal of my payroll funds. On XX/XX/year> : I received a phone call from an individual impersonating Chase Bank. The caller appeared to be calling from a Chase phone number and already had knowledge of my name and account information. After this call, unauthorized transactions occurred involving transfers connected to XXXX XXXX and unfamiliar individuals appearing in my XXXX contacts. I immediately reported the incident to Chase and opened a fraud claim. On XX/XX/year> : I also filed a police report with the XXXX XXXX Police Department and provided that information when I reopened my claim. During the initial investigation, Chase initially issued a provisional credit and I was not told it was provisional at the branch. On XX/XX/year> : However, the claim was later denied and the credit was reversed. I then reopened the claim and provided additional evidence including my police report and concerns regarding possible account takeover. On XX/XX/year> : Recently, my ENTIRE payroll deposit was removed from my account. These funds represent my earned wages and are not related to the disputed transactions. I was informed by the Chase Executive Office that another provisional credit can not be issued because one had already been issued previously for the same claim. I am requesting that this matter be reviewed again because new evidence has been provided and there are concerns that this incident involved impersonation of the bank and possible unauthorized access to my account. I respectfully request that Chase provide a full written explanation of why my payroll funds were removed and that my case be reconsidered in light of the new evidence submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
on several different occasions, my payments were processed more than one time each month and the adjustment was never reflected on the amount charged in the next due payment on their website or their app. For instance, taking three mortgage payments in one month without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
My name is XXXX XXXX I have a written pay-for-delete agreement with Monterey CollectionsXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment of {$1600.00} was made on XX/XX/year> ( posted XX/XX/year> ). The agreement clearly states that upon payment, Monterey Collections would delete the account from all credit reporting agencies. Despite fulfilling my obligation, the account continues to appear on my credit reports, which is inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). I am requesting that Monterey Financial/Collections immediately submit deletion requests to XXXX XXXX XXXX XXXX Attached are the written agreement and proof of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am filing this complaint regarding XXXX 's failure to conduct a reasonable investigation under the Fair Credit Reporting Act. I disputed a Discover credit card account that is reporting inaccurately on my credit report. XXXX responded stating the account was verified, however they failed to provide any documentation supporting the verification. The creditor 's response simply states that the account is reporting correctly, but no evidence or documentation has been provided to support the accuracy of the reporting. Under 15 U.S.C. 1681i, a credit reporting agency is required to conduct a reasonable investigation when a consumer disputes information on their credit report. Simply relying on automated responses from the furnisher without reviewing documentation does not meet this standard. Despite my request for the method of verification, XXXX has not provided : The method used to verify the account The name of the person or department that verified the account Any documentation showing the accuracy of the reporting Because XXXX has failed to conduct a proper investigation, I am requesting that the account be deleted from my credit file immediately. I am requesting that the CFPB require XXXX to comply with the Fair Credit Reporting Act and remove the inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Chime Financial Inc
State: NV

Complaint narrative:
I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are some inaccurate accounts and and inquiries on my consumer report. I've listed in my dispute letter the accounts that were opened fraudulently. FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX - XXXX Account Name : XXXX - XXXX Account Name : XXXX - XXXX Account Name : XXXX XXXX - XXXX Account Name : XXXX XXXX XXXX - XXXX Account Name : XXXX - XXXX Account Name : XXXX XXXX XXXX - XXXX Account Name : XXXX - XXXX Account Name : XXXX - XXXX Account Name : 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 non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo close my account and hold XXXX I went to the branch as they asked showed them proof like they asked, Now they tell me the sender need to go to their bank to ask the funds, the senders did try to go their bank, and their bank said that Wells Fargo have the funds and once the check deposited they cant reimburse. Wells Fargo trying to keep this money, and dont let me release it no matter what I do, I asked lawyers and they told me they can release it easily but they charge XXXX dollar the lawyer

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: RI

Complaint narrative:
XXXX XXXX loans continues to add on erroneous fees equaling XXXX $ a month. They also continue to include a XXXX $ " inspection '' fee every month due to me missing a few payments. We have recently caught all up and are on track but they still continue to tack on another XXXX $ inspection fee and XXXX $ in random " fees '' that they can not explain. I've googled and checked and other people seem to have the EXACT same problem. I've paid the " fees '' and they always just get assigned to " unapplied funds '' even though It is filled into the fee category when making a payment. Just this last month I paid their XXXX $ fee for the XXXX inspection only to find on the very next month they added another XXXX $ to it, with the same inspection date. Please see statement showing this.

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 2026-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WI

Complaint narrative:
I initiated a ACH transfer from my XXXX bank to my US Bank. They give me notification the transfer has been initiated. They then take the money out of my bank account but sit on it for XXXX day, sometimes more. Their claim is they need to process it, they need to confirm the amount is in the first account, they are busy, they are........ The reality is when I do an ACH transfer from US Bank to my other bank the moment it leave my US Bank account it is available in the other bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Neighborhood national Bank has advised me that once the money is removed from them it should be available within XXXX hours. US Bank admits they don't know where the funds are but they will get them to me, at some point in time. They have the funds but are not distributing them to my US Bank Checking because they want to hold the funds for extended periods. Their delays then cost me in overdrafts. The whole process is a scam for US Bank to earn more overdrafts and interest on money that is not theirs.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
With the dates that Macy 's fraud department gave me including the date that account was opened were dates that I wasnt even in the XXXX. I was on vacation with my family in XXXX. I explained to them but they still insisted I am responsible. They keep sending me bills to pay and my credit score has gone down by over XXXX points. I took the case to XXXX XXXX XXXX but Macy 's did not appear on court date. Next court date is XX/XX/year>.

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 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I signed up for an account on the XXXX website. Shortly after signing up, I noticed that I had been charged multiple times. Within about an hour of signing up, I contacted the company to cancel the subscription and request a refund because the service and charges were not clearly explained and I did not feel comfortable or safe continuing to use the program. I received an email response from a representative named XXXX. I replied explaining that I wanted to cancel and requested that the charges be refunded. Instead of addressing the refund, I was offered other services. I then located the cancellation option myself and cancelled the subscription. Since cancelling, I have repeatedly emailed the company requesting a refund for the charges. I have also provided screenshots of the transactions. Each day I have asked for a follow-up and refund, but I have not received a response. At one point I received what appeared to be the same automated email again restarting the process rather than addressing my request. I am requesting a full refund for the charges because the service was cancelled almost immediately, the charges were not clearly explained, and the company has not responded to my repeated refund requests. The name under the account is XXXX XXXX as I have had a name change since I married.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
I took out a mortgage in XX/XX/XXXX with a local bank and had my payments debited from my account XXXX prior to the due date to reduce interest expenses. My loan was then sold to XXXX who continued my automatic payments 15 days prior to the due date. During XX/XX/XXXX my loan was sold to Newrez and was told my automatic payments would continue. Last month I called them regarding my mortgage insurance and found out that they have been collecting my payment 15 days after the due date. Now I owe XXXX weeks of additional interest for each month since XXXX, increasing my interest costs instead of reducing them. I contacted them in XXXX asking to be reimbursed the additional interest cost. They refused. I spoke with a supervisor who said she would check into the issue and contact me. I received no call back and my statement, does not reflect a resolution.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am submitting this complaint regarding an international bank transfer that is currently blocked by JPMorgan Chase & Co. during intermediary processing due to U.S. sanctions screening. The transfer was originally sent from my personal bank account at XXXX ( XXXX ) to a friends bank account in XXXX. The funds were stopped during intermediary processing and have not been delivered to the beneficiary. Since that time, I have obtained an official license from the Office of Foreign Assets Control ( OFAC ) of the U.S. Department of the Treasury authorizing the release and transfer of these funds. Because the original transfer could not be completed, I am requesting that the blocked funds be returned and transferred to my own personal bank account in XXXX held at XXXX. There is a minor discrepancy in the spelling of my last name caused by XXXX differences from XXXX to XXXX characters during the international transfer process : Name on XXXX XXXX : XXXX XXXX Name on my XXXX Bank Account : XXXX XXXX Both spellings refer to the same person ( myself ). The difference occurred due to automated transliteration used by banking systems and does not indicate different individuals. I am the originator of the transfer and the intended recipient of the returned funds. Given that an XXXX license has already been issued authorizing the release of the funds, I respectfully request that JPMorgan Chase & Co. review this matter and proceed with the return and transfer of the blocked funds to my Turkish bank account in accordance with the issued XXXX authorization. I am prepared to provide the XXXX license and any additional supporting documentation required to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: Block, Inc.
State: NY

Complaint narrative:
I went online to the XXXX website to manage my XXXX XXXX XXXX a 6 month renewal plan for a one time payment of {$120.00} being that I was 5 days late from yesterday on XXXX/26. Well apparently the website was malfunctioning and kept stating unable to process please try again and I did that over and over again. Once that happened, I didnt realize it in fact the charge did process despite what it the web page was showing. This caused the pending overcharges of {$120.00}. Rather than {$120.00} pending charge one time, the XXXX merchant charged me 3 times. I contacted them and they said they have no authority to correct the issue and are misplacing blame onto Cash App which is XXXX XXXX Bank XXXX I then contacted Cash App, they told me they have no authority to rectify the issue it is the merchant that has the authority to rectify the issue and release my funds and fix the overcharged amounts. I now have no money in my account.

Company response to consumer: Closed with explanation