vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I called Pennymac on in the middle of XXXX, notifying them that I am projecting a financial hardship and plan to exercise my VA rights and untilize a forebearance plan or a VA approved deferral. I was notified that due to my status being current, I would have to call back on XXXX XXXX. I called XXXX XXXX and explained the entire situation to the representative. I explained that I am XXXX XXXX Military and that my home loan is XXXX VA loan. She made me pay {$50.00} towards my bill to even assist, gave me attitude, refused to send me the application packet for the forebearance, and only offered me a 1 month deferred plan where I end up paying more the next XXXX months. I called back on XXXX XXXX and had the same issue, this time for XXXX minutes. The male representative this time told me I can take it up with the VA, and he understood what exactly I wanted, just refused to give me the packet and continued to lie saying pennymac does not do forebearance. They continue to force me into financial interviews, only to offer me a terrible 1 month plan, and lie to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX. I have The XXXX XXXX XXXX Card, and the card start charging me annual fee XXXX USD on XX/XX/year>. I called AMEX to downgrade to AMEX XXXX XXXX card on XX/XX/XXXX, and the annual fee will be refunded prorated about XXXX USD, which bring down my statement balance. However, AMEX automatically still charge my statement balance of XXXX USD, which my checking don't have that much fund, but I have put money to my checking immendaitely and AMEX get full balance payment on XX/XX/XXXX. However AMEX still charge me XXXX USD RETURN PAYMENT FEE on XX/XX/XXXX, which I believe is not reasonable, as My balance is already negative when I downgrade my card before the AMEX XXXX date, which is XX/XX/XXXX. I called AMEX request the refund of XXXX USD RETURN PAYMENT FEE. The agent said the fee will be refunded in XXXX business days, but until now I don't get refund. Please refund the XXXX USD RETURN PAYMENT FEE at your earliest convenience. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I formally reported the check fraud to my local branch on XX/XX/XXXX, regarding a check I wrote to the United States Treasury for second quarter estimated taxes in XXXX, for am amount of {$11000.00}. The check was washed, the payee was changed, and it was cashed. Since then, a branch-level escalation was launched by the branch manager ( Complaint # XXXX ). I have also been in direct contact with XXXX at the Wells Fargo Executive Office regarding Case Number XXXX. Wells Fargo issued a formal denial letter on XX/XX/XXXX, which I am actively disputing as a statutory violation of the California Commercial Code 4406 ( f ).

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Beginning on XX/XX/year>, I sought to be truthfully informed by Chase Bank about the whereabouts of my XXXX XXXX XXXX XXXX XXXX in the amount of {$4000.00}. Throughout this very stressful and trying ordeal, my calls to Chase Bank were out-sourced overseas to several countries, including the Philippines, XXXX, XXXX, and other locations throughout the months of XX/XX/year> through XX/XX/year>. Even while I was in the subject Chase Bank XXXX still seeking to locate and recover my {$4000.00}, XXXX XXXX XXXX, an associate banker dialed a phone number and when I asked to speak with the person on the phone, whom he said was in XXXX, he informed me that the person said that she could not speak to me, and when I asked her name, XXXX replied that the person stated that she could not tell me her name. As I have previously stated, Chase Bank employees were evasive, secretive, deceptive, and tried to blame the VA and me for the banks error, and claimed that they could use the ACH TO RETRIEVE MY FUNDS CHASE BANK ALLOWED THE CUSTOMER WHO RECEIVED MY FUNDS TO KNOW MY NAME, AND I BELIEVE THAT MY LIFE AND WELL-BEING ARE NOW IN DANGER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have been locked out of my ira account for multiple weeks. I have contacted customer support and technical support on XXXX different days over the course of XXXX weeks. Each time they assure me that the problem accessing my account will be resolved in the next XXXX business days. I wait and attempt to get into my account after the time they say and I am still yet to be able to get into it and access my funds or perform any changes necessary. I have spoken to management and have been informed that the case has been escalated, but it has almost been a month now that I have been locked out. They have instructed me to try performing the reset functions and logging in on multiple browsers, from different servers, from incognito windows, after clearing my cache, from mobile devices and desktop and none of these have solved the issue. I have considerable time away from work to talk to them and still to no resolve.

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, at XXXX XXXX Chime sent an email that my account was closed. This happened suddenly after my direct deposit was deposited. I called for a further explanation and they told me it was because I filed bankruptcy. I then asked about my funds that were in the account and they said they would have to see if I was eligible for a refund. My account was closed without my consent and now they are simply refusing to refund me my hard earned wages. I need help please. I am unable to pay my bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In XX/XX/XXXX house burned down. We went through all the steps of getting the insurance funds, which were subsequently held in escrow by Freedom Mortgage ( " the Company '' ). We were able to get the amount in excess of the outstanding mortgage released. In XX/XX/XXXX we finally obtained all permits from the XXXX and were able to start rebuilding. This is when the Company should have released their portion of the funds. They refused and insisted that building should have substantially progressed first. In XXXX, we tried again. Now, however, they insisted on an inspection. We had this inspection, passed it, and the inspection showed 45 % completion rate. Now, however, the Company claimed that they could not issue checks because of a system software update. Mid-may, after the supposed update should have been finalized ( XX/XX/XXXX ), we asked again. This time, they insisted we sign an online waiver on their new website. We did and they still refused to pay, claiming that their software update was not yet complete. End of XXXX, with the software update still not complete, they agreed to pay 45 % of the funds in escrow and to expedite that process. Note that that was 45 % of the total funds still held, including funds that they are holding in excess of the outstanding mortgage amount, so that would still have been insufficient. A week later ( XX/XX/XXXX ), they said that they could not release the fund because they needed to know whether the house was " a total loss. '' This, even though they had the full insurance appraisal, constructor contract, and inspection report. They said they would release the funds after that. Another week later ( XX/XX/XXXX, today ), they admitted that indeed nothing was released yet and that " a supervisor '' would look into this. Again, separate from having to pay their portion of the rebuild, they are holding funds well in excess of the outstanding mortgage. I'm not holding my breath, as they have been lying about this now 3 times in a row and have no reason to expect that the 4th time is not a lie either.

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 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I am being sued by representatives of Cavalry Portfolio Services LLC. I attempted to settle, spoke to a person who purposely persuaded me to believe they were an attorney, collected my private account information under false pretense, then refused to send documentation. After further questioning, I was finally able to get the representative to admit they were not an attorney and could not be of assistance. I have contacted Cavalry Portfolio Services LLC ( the debt holder ) approximately five times and have been told to contact their legal department. I have called over fifty times ( approximately ) and left numerous voicemails. They refuse to answer or call me back. The company is attempting to take advantage of me due to my age ( protected senior ) and my known limited mobility in an effort to receive a default judgement against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am being sued by representatives of XXXX XXXX XXXX XXXX. I attempted to settle, spoke to a person who purposely persuaded me to believe they were an attorney, collected my private account information under false pretense, then refused to send documentation. After further questioning, I was finally able to get the representative to admit they were not an attorney and could not be of assistance. I have contacted XXXX XXXX XXXX XXXX ( the debt holder ) approximately five times and have been told to contact their legal department. I have called over fifty times ( approximately ) and left numerous voicemails. They refuse to answer or call me back. The company is attempting to take advantage of me due to my age ( protected senior ) and my known limited mobility in an effort to receive a default judgement against me.

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This complaint involves debit card fraud tied directly to my Capital One checking account.On XX/XX/year>, I contacted Capital One to report a single massive fraud event involving XXXX unauthorized transactions from the same merchant XXXX that occurred on XX/XX/year> - XX/XX/year>, totaling {$3900.00}. Because XXXX of the XXXX transactions were still " Pending, '' the agent canceled my debit card and filed a dispute for the first XXXX posted transactions. I was told to call back once the rest posted.I called back the next day on Monday XX/XX/year> to dispute the remaining XXXX transactions. The Capital One phone agent explicitly told me that provisional credit would be issued within XXXX hours. However, Capital One 's internal system glitched because it could not handle that many transactions at once. To bypass their software limitation, the agent had to manually split my single fraud report into XXXX separate claims ( in batches of XXXX ) .Capital One has since issued provisional credit for the first XXXX transactions and XXXX batch of XXXX, totaling {$1300.00}. However, they are currently withholding the remaining XXXX batches of XXXX transactions, which total approximately {$2600.00}. The phone representatives are now refusing to fast-track the remaining funds, claiming these are " multiple separate claims. '' Capital One is weaponizing its own system 's XXXX software limitation to delay my funds, leaving my checking account completely empty and causing me severe financial hardship I only have {$24.00} left in my account barring from purchasing basic groceries. I demand that Capital One perform a manual override and immediately release the remaining provisional credits for this single, unified fraud event as required under Regulation E guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I applied online for the Citi XXXX AAdvantage XXXX XXXX World XXXX Mastercard. The application was automatically routed to a pending status, and upon calling the manual reconsideration line on XX/XX/year>, I was informed that the application was denied. The automated reason codes cited " high balances, '' " multiple inquiries, '' and " too many recent accounts. '' However, an immediate review of my official XXXX credit file from XX/XX/year>, reveals that these automated reasons are functionally flawed and do not reflect my actual creditworthiness : Inaccurate " High Balance '' Logic : My XXXX profile explicitly rates my overall " Amount of Debt '' as EXCEPTIONAL. My revolving credit card balance is just {$4500.00}. Across my entire profile, this represents a structural 1 % total credit utilization rate. I carry no rolling debt and pay every account in full monthly. Strong Financial Profile : My profile is anchored by a flawless " Exceptional '' payment history, a top-tier XXXX XXXX Score XXXX, and a {>= $1,000,000} real estate loan. I am a responsible homeowner with an incredibly stable credit background. Context for Recent Accounts : While XXXX flags my " Amount of New Credit '' as POOR due to a temporary velocity spike ( XXXX inquiries in the past year, including an XXXX XXXX card in XXXX and a XXXX XXXX XXXX card in XXXX ), this represents strategic reward optimization rather than risk. I currently do not hold a single airline credit card. I am deliberately moving my domestic travel loyalty to XXXX XXXX. The frontline underwriting team refused to look past the generic automated denial codes to review these clear, exceptional facts.

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 2026-06-11 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: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and XXXX, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding unauthorized activity on my Coinbase account and Coinbase 's failure to address specific questions regarding the incident. On or about XX/XX/year>, unauthorized transactions occurred involving cryptocurrency assets in my Coinbase account. Following discovery of the activity, I contacted Coinbase and opened Case # XXXXXXXX. Throughout the investigation, I repeatedly requested information regarding : When a new bank account was added to my Coinbase account - XXXX XXXX XXXX Debit ending XXXX. The date and time such account was added. The IP address and device associated with the action. Whether Coinbase generated and sent notification emails regarding account changes, linked payment methods, withdrawals, or other security-sensitive events. Coinbase has repeatedly declined to answer these questions and instead provided generic security guidance and statements regarding account-holder responsibility. My concern is that critical account changes and transactions may have occurred without proper customer notification. If notification emails were not sent, or if Coinbase 's records show they were not delivered, this represents a significant security concern that prevented me from taking timely action. I am requesting that Coinbase : 1. Provide a complete record of all account changes associated with this incident. 2. Confirm whether a new bank account was added and provide associated timestamps, IP addresses, and device information. 3. Confirm whether security notifications were generated and sent regarding account changes and withdrawals. 4. Preserve all logs, security records, and notification records associated with this incident. 5. Provide a detailed explanation of the investigation findings rather than generic references to account security responsibilities. I am also pursuing a Privacy Rights request to obtain my account data and have reported the incident to the appropriate authorities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING does NOT have the right to buy a debt from another company stating that I owe them! I do not OWE them ANYTHING. I didnt get a credit card from LVNV FUNDING. This information is INACCURATE! This is not fair to me and this is hurting my score day by day. Ive contacted this company SEVERAL TIMES! They wont reach back out to me and every time I call they are so RUDE. I would like for this to be OFF my credit report, DELETED! This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Cod 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 602, 609, 611, and 623. Be advised that I am fully aware of my legal rights as a consumer. I am challenging both the legal ownership of this alleged debt and the accuracy of the information being reported to the consumer reporting agencies. I do not acknowledge or accept liability for this debt and hereby request that you immediately cease all collection activities and remove any negative information furnished to XXXX XXXX, and XXXX until proper and complete validation. has been provided and all disputes resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I feel discriminated against with XXXX I am beyond frustrated at this point I already put in a complaint on XXXX for having wrong information about my credit score and what loans were already paid off so try to do a loan a pre-approved loan with them and they on their site have wrong information about my credit had a hard pole on there which already knocked my credit score down so they went through this whole process and did not even the three credit agencies have everything thats closed paid off and never been late. They have things that are still there thats been paid off closed and never late so I have no revolving credit open at this time only one credit card from XXXX and a XXXX XXXX card and there is under XXXX on those two accounts so they denied me the loan now I tried to redo a loan and they are saying oh no now you cant do it because you have to wait 90 days because of their mistake. I am so frustrated and I feel like Im discriminated against. I told them Im retired. That is the only information that has changed on any of my stuff I have had personal loans from them for the last 20 years. I dont know whats going on then they sent me a letter in email saying five things of why they denied my loan and all of them are lies compared to if you look at my XXXX XXXX XXXX , all the other credit and agencies I dont understand whats going on. I want it stopped or I will seek an attorney. Im very upset about this

Company response to consumer: Closed with explanation