vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Complaint regarding prolonged hold of deposited checks JPMorgan Chase Bank Business Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX I am filing this complaint regarding funds that have been held by JPMorgan Chase Bank for several months without resolution. Two checks were deposited into our business account in XXXX. The checks are : Check # XXXX Amount : {$12000.00} Check # XXXX Amount : {$20000.00} Shortly after the deposit, the bank placed both checks on hold. We were later informed that the checks had allegedly been filled out incorrectly. Since then, the funds have remained on hold and the bank has repeatedly extended the hold without providing a final resolution. During this period, Chase representatives informed us on multiple occasions that the bank would return the funds by issuing a check and sending it by mail. We were told this would happen three different times, but no check has ever been received. Most recently, we were advised to wait for a response from the banks central office. However, the issue remains unresolved and the funds continue to be withheld. This situation has now been ongoing since XXXX and has caused financial hardship and significant inconvenience to our business. The total amount being held is {$32000.00}. We respectfully request that the CFPB assist in reviewing this matter and require JPMorgan Chase Bank to provide a prompt resolution, either by releasing the held funds or returning the funds immediately. We are willing to provide any additional documentation necessary to resolve this issue.

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: Capital Management Services, LP
State: TX

Complaint narrative:
RE : Account Number : XXXX Dear Capital Management Services LP, I am writing in response to your recent communication regarding the above-referenced alleged debt. Please be advised that your initial communication with me regarding this matter occurred within the past 30 days. I am formally disputing the validity of the alleged debt in its entirety. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby request that you provide the following : 1. The name and address of the original creditor ; and 2. A copy of the agreement bearing my original signature, which allegedly binds me to this debt. You are attempting to collect money that I do not owe, and any continued collection activities without proper validation are unlawful. You are hereby directed to cease and desist from : All collection efforts ; Any form of contact with me regarding this matter ; and Any and all credit reporting related to this alleged debt. I further demand that you immediately request the deletion of any and all credit reporting you may have made to the credit reporting agencies in relation to this alleged account. Please be advised that this letter may be shared with the Consumer Financial Protection Bureau ( CFPB ), which is fully authorized to investigate and address such matters. Should you fail to comply with the lawful requests in this letter, I may choose to seek legal counsel and take further action. Thank you for your immediate attention to this matter.

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: 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
We found out in XXXX of XXXX while attempting to get a HELOC loan that was turned down that Wells Fargo had put a fake/false past due loan amount of {$14000.00} on our credit report 5 years ago and it was still there. This was not our loan and destroyed our credit number. I sent them the information demanding they remove it. They researched, called me a liar saying that information was not in my file and that it was not on my credit report, and they closed the case. After I vehemently disputed their fake research, 2 weeks later they " FOUND '' the information and removed it from their records and my credit report. Then 2 weeks after that, Wells Fargo sent a copy of ( 2 ) 1099-C forms that they have sent to the IRS. One was for a fake/false nonexistent credit card cancellation of debt in my wife XXXX name for {$5800.00}. The other one was for a fake/false nonexistent credit card cancellation of debt in my name ( XXXX XXXX XXXX for {$12000.00}. This amounts to a ridiculous/fake/false report of {$18000.00} of untaxed income on our XXXX tax filings. We are a late XXXX XXXX couple in declining health living on a limited/fixed income. A fake/false/ridiculous filing that would cost us roughly {$5000.00} in taxes and bankrupt us. I started my disputes with Wells Fargo on XX/XX/XXXX. 3 months later I have gotten nothing other than 11 canned letters saying they need more time to research my case. They have now attached a total of 6 different case numbers to my case. Every letter I have gotten has extended the time " they need '' to research my case. It started at resolution by XXXX,. XXXX, XXXX and in 11 letters has now been bumped up to XX/XX/XXXX. And there is no question their next letter/email will just move it out another 3-4 weeks. I have demanded these fake/false 1099-C forms be removed from the IRS and that Wells Fargo send me a check for {$10000.00} for ruining our credit, ruining our finances and ruining our reputations. I have sent 100s of emails to every executive officer, Wells Fargo attorneys and the Executive Office Case Specialist who has sent me 14 canned letters. Not 1 email to any executive corporate officer or WF attorney HAS EVER BEEN ANSWERED. Why, because they do not want any paper trail of their blatant abuse and damages inflicted on us. As you well know, Wells Fargo has paid BILLIONS in fines and retribution for their company wide horrific business practices. And these practices just continue on. It makes me sick that my tax XXXX bailed WF out from bankruptcy. I have multiple pages of evidence backing up everything I have stated here.

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: Carter-Young, Inc.
State: GA

Complaint narrative:
CARTER-YOUNG is falsely reporting on my credit. I have never had any accounts with them. Per my research CARTER-YOUNG 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 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 is not yours
Company: ENOVA INTERNATIONAL, INC.
State: OH

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: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC is reporting two collection accounts on my credit report that I formally disputed. I requested validation and proof that this debt belongs to me and that LVNV has the legal authority to collect it. No documentation verifying the debt has been provided. Despite this, the accounts continue to be reported to the credit bureaus.

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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: AZ

Complaint narrative:
OPened an account with USbank in XXXX under a promotion. I have fulfilled all terms of the promo and according to their own timeline, as confirmed by their own agents, the bonus should have been posted in my account by the month of XXXX. On noticing that it hasn't, I started following up with the bank every week starting XXXX about it. Numerous service requests, research requests and back and forth with various designations of bankers later, no solution has been reached and the bonus has still not been deposited into my account. I was told and it was mentioned in their own notes that their " research team '' has concluded that I have fulfilled all requirements of the bonus and that they would manually credit my account with the bonus if it has not been deposited by XX/XX/XXXX. XX/XX/XXXX came and went away with no bonus deposition. On calling again after XX/XX/XXXX to request a manual deposit in my account that they themselves mentioned I would be eligible for since XXXX months had passed since I should have been awarded it. On XX/XX/XXXX, they shrugged and said they sent an email requesting it and to follow up in XX/XX/XXXX days. On calling on XX/XX/year>, they mentioned that the manual deposit can not be done and their research ( which already has been taking place for about XXXX months now ) and status tracker would take another XXXX weeks to update. The same runaround that I was given for the pastXX/XX/XXXXmonths continuing, I do not t hink USBank is acting in good faith any more. {$1200.00} is on the line for his bonus and I need this deposited into my account.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more thanXX/XX/XXXXdays to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I asked the lady to remove the added money for not having paid bill. She told me it was a promotion charge. I called company today.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: CT

Complaint narrative:
I am filing this complaint against Bridgecrest Acceptance Corporation regarding their refusal to waive a {$15.00} NSF fee and {$10.00} late fee assessed on my auto loan account in XX/XX/year>. A payment of {$670.00} was reversed on XX/XX/year>, triggering both a late fee ( {$10.00}, assessed XX/XX/year> ) and an NSF fee ( {$15.00}, assessed XX/XX/year> ), totaling {$25.00}. When I contacted Bridgecrest customer service to request a one-time courtesy waiver, I was told their policy does not allow fee removal under any circumstances including bank or customer error. However, Bridgecrest 's own servicing agreement states that fees MAY be waived at the servicer 's discretion. The representative XXXX XXXX XXXX was unwilling to escalate my call to a supervisor, and I was directed to an XXXX Relations department without being provided a direct contact number. I am requesting : XXXX. Removal of the {$15.00} NSF fee XXXX. Removal of the {$10.00} late fee XXXX. A review of Bridgecrest 's customer service practices, including refusal to escalate calls to supervisors I believe Bridgecrest is misrepresenting their own policy to customers to avoid fee waivers they are contractually permitted to grant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Recovery Management Solutions LLC
State: MI

Complaint narrative:
Contacted my wife, and my daughter by phone. I am fine with them contacting my wife, but my daughter is highly unethical and not even legal. The company handling this is Recovery Management Solutions ( XXXX ) and the contact was XXXX at extension XXXX. The website is : https : //www.recoverymanagementsolutionsllc.com/

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: TX

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 XXXXXXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
XXXX mistakenly sent {$900.00} ( my kids childcare money ) to my closed chase account from my XXXX account XXXX called Chase customer service back to get my money back, was advised that it would be sent back to my XXXX account within 3-5 business days XXXX called Chase to check the status and was advised of a {$15.00} overdraft fee I had on my closed account. We agreed to pay that. It had already been deducted and we were advised that the remainder had been sent to our home address via mail. We are going to be away from our home for 5 weeks due to XXXX XXXX, so we told them that we needed the check canceled and overnighted to our temporary address. They continued to insist that they could not cancel it- that I would have to drive 2 hours to a chase branch to sign a form to cancel it. I told them we would not be able to do that. They refused to cancel it multiple times. I asked for a documented refusal so I could submit a complaint about the significant hardship this has called. All in all they transferred me to different people and had me on hold for over 2 hours. XXXX in collections at chase is the last person I spoke with who is mailing me a form to put a stop on the check and they said it would take a long time to do this process. He is also the one who refused to send me their documented refusal.

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: Fidelity Properties Inc.
State: OH

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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: Portfolio Recovery Associates, LLC
State: OH

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 non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On or near XXXX XXXX my ex partner, with whom I own our home ( both names on the mortgage ) filed a loan assumption to have my name removed from the mortgage. Chase Bank is giving her and I the run around every time we call. I have been having to stay with friends and relatives since XX/XX/year>XXXX because I cant stay in my house with my ex anymore. I have been trying to no avail to get information on a closing on the loan. Chase Bank has been saying since XX/XX/year> that its with their underwriting department. They constantly lose paperwork and request my ex to send it in again. Im overly stressed and depressed due to Chase Banks lack of processing paperwork in a timely manner. Can you please help? Any information would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: WA

Complaint narrative:
I have attached emails showing that I formally requested voluntary surrender and provided XXXX with the exact location of the vehicle. On XX/XX/year>, I emailed XXXX at XXXX stating : Please mark this account as a voluntary surrender, not an involuntary repossession, and I provided the dealership address where the vehicle was located. I also provided documentation showing the dealership held the vehicle for months under an improper mechanics XXXX, despite performing no repairs. In my communication to the dealership, I stated : Your dealership held my car for months and filed a mechanics XXXX related to a loaner vehicle. The dealership responded acknowledging they were holding the vehicle and demanding payment. XXXX did not retrieve the vehicle despite having the location and instead reported the account as a charge-off. This reporting is inaccurate because I requested

Company response to consumer: Closed with explanation