vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OFG BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a deposit into my Oriental Bank account. A few days later, my account was restricted without prior notice. Since then, I have been unable to access my funds or use my account. I have contacted the bank multiple times since XXXX, and I was informed that my case was referred to the security department. However, I have not received any updates, resolution, or estimated timeframe. The department does not communicate directly with me, and no case number was provided. I also sent a formal email with supporting documents, but I have not received any response. As of today, XX/XX/XXXX, my account remains restricted and my funds are still inaccessible. I am requesting immediate access to my funds or a clear explanation and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
I filed a complaint about a month ago regarding amerihome mortgage, I paid XXXX months in advance in XXXX to get on auto pay which was over XXXX dollars. They told me the biweekly would start XXXX, they took the first payment then the second they charge me a late fee and said I didn't pay. They applied my biweekly payment to the principal and made me late on the payment process. Called cleared it up. XXXX comes same issue. I shouldn't have to spend time on the phone for a continuous issue. Now comes XXXX they canceled my auto payment without authorization! So now I am late again on my mortgage because of this company. They do this to people to charge interest and take late fees. Charging customers more money. They are scamming people. I reached out to them via email when they tried to reach out to me. To discuss the issue that was a month ago no resolution has happened and now they canceled my auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: KS

Complaint narrative:
On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX, XXXX ( XXXX XXXX, XXXX ). I am a single mother on a fixed income and explicitly informed the salesman, XXXX, that the {$2500.00} down payment was my entire remaining savings. He verbally affirmed the car was 'highway ready, ' but it suffered a catastrophic failure ( overheating ) within XXXX days, putting my son and I in danger. Evidence of Bad Faith & Unconscionable Conduct : The dealers correspondence proves a complete lack of empathy and a violation of the XXXX Consumer Protection Act ( K.S.A. 50-627 ). Despite knowing I had {$0.00} left, XXXX forced me to pay an additional {$100.00} for a tow he should have covered. At XXXX XXXX on XX/XX/XXXX, after I asserted my rights regarding the Implied Warranty of Merchantability ( K.S.A. XXXX ), the dealer stated : ' I am no longer going to communicate with you through text. ' Since then, he has blocked my number and ceased all communication. The vehicle is currently sitting on their lot. Lender Liability ( Credit Acceptance ) : I have contacted Credit Acceptance XXXX times to report this Breach of Warranty and dealer fraud. Under the FTC Holder Rule ( 16 C.F.R. 433.2 ), Credit Acceptance is legally liable for this dealer 's conduct. However, they have refused to escalate my dispute, ignored the dealer 's stonewalling, and even hung up on me. I am currently stranded without transportation or funds, and I am demanding an immediate Dealer Buyback and a full refund of my {$2600.00}. ''

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I realized that my CASHAPP account was blocked after I logged into my account to send money and could not access any features. I am being told that actions violated the company policy but I have not been told what happened or what can be done to correct the situation. I use CASHAPP to pay my church Tithes and Offering. I am unable to anything because of this block for reasons unknown I have submitted numerous appeals and spoken to several representatives for CASHAPP without any solutions be discussed. This is ridiculous and I expected better from CASHAPP. THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a secured credit card with capital one and have been charged fees nearing the total of the card. The card should be paid off by the bank given the proven exploitative fee structures.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am filing this complaint regarding a collection account being reported by Radius Global Solutions without proper validation, in violation of 15 U.S.C. 1692g. On XX/XX/year>, I sent a written request for debt validation via certified mail. The request was delivered and received ; however, I have not received any response or validation to date. Despite my timely request, the company has continued to report this account to credit reporting agencies, including XXXX and XXXX. This constitutes continued collection activity on an unvalidated debt. Additionally, the debt collector failed to provide the required written notice ( dunning notice ) within XXXX ( XXXX ) days of initial communication, as required under 15 U.S.C. 1692g ( a ). Because proper validation has not been provided, the accuracy and legal enforceability of this account remain unverified. Reporting an unvalidated account is a violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which requires maximum possible accuracy. I specifically requested competent evidence of the alleged debt, including documentation proving I am legally obligated. No such documentation has been provided. The continued reporting of this unverified account is causing financial harm and negatively impacting my credit profile. I am requesting the immediate deletion of this account from all credit reporting agencies and a full regulatory review of 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 non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint because Chase Bank has represented to the Consumer Financial Protection Bureau that my issue was resolved when, in fact, it remains unresolved. This is now my third complaint regarding this matter. In its official response to my prior complaint ( ID : XXXX ), Chase stated that a cashiers check in the amount of {$5900.00} was reissued on XX/XX/XXXX, and mailed to my business address. As of XX/XX/XXXX, I have not received the check. Chase has provided no tracking number, no mailing confirmation, and no verifiable proof that the check was ever sent or delivered. This matter originates from funds withheld beginning in XX/XX/XXXX. The XXXX regulatory hold expired in XX/XX/XXXX ; however, Chase failed to release the funds and delayed resolution for more than XXXX months beyond that deadline. Despite this extended delay, Chase reported the matter as resolved without ensuring delivery of the funds. Chases response to the CFPB is therefore inaccurate and misleading, as it represents the issue as resolved when I remain without my funds. This continued failure to release my funds is causing ongoing financial harm to my business. Additionally, Chases inability to provide any proof of mailing raises serious concerns as to whether the funds were properly reissued or handled. I request that the CFPB require Chase to : Provide immediate verifiable proof of mailing, including tracking information Immediately reissue the funds using a secure and trackable method ( overnight delivery or direct deposit ) Provide a written explanation detailing the delays, failed stop-payment, and handling of this matter Address the financial harm caused by the prolonged and unjustified delay Chase has had multiple opportunities over an extended period to resolve this matter and has failed to do so. This complaint reflects an ongoing pattern of delay, inadequate handling, and failure to release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
The actual problem is they are contacting my mother repeatedly and giving her the information on the debt. This text didn't give the amount owed but it told her who the original creditor is and what it was for. My mother is XXXX XXXX XXXX and does not need the added stress in her life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I disputed this debt and requested validation, including proof the debt is mine and that XXXX has authority to collect. They failed to provide proper validation but continue reporting it. Additionally, I was not informed that my insurance was invalid prior to receiving services. The document I signed only mentions possible additional fees and does not clearly disclose costs or confirm coverage. Had I been informed, I would not have proceeded. This debt is inaccurate and should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am submitting an update to my complaint-XXXX to include additional relevant information regarding my fraud claims with Chase Bank . The unauthorized transactions occurred on XX/XX/year> and were reported by me within XXXX hours. Importantly, these fraudulent activities impacted XXXX accounts I hold with Chase ( XXXX & XXXX ). On account ending in XXXX, {$360.00} was withdrawn fraudulently. Chase provisionally credited this amount within hours of my report on XX/XX/XXXX, and that claim remains open and under investigation. Chase has also confirmed receipt of my supporting documentation, a police report. However, for separate transactions ( account ending in XXXX ) occurring on the same date onincluding {$9300.00} in withdrawals and {$910.00} in ATM withdrawals on another accountmy claims have been denied. Chase has cited the use of my debit card and PIN as justification. I have clearly stated that I did not authorize these transactions and did not share my card or PIN. The use of a card and PIN alone does not establish authorization under Regulation E, particularly when the activity was reported promptly. Additionally, Chase initially denied my claim citing that I was past the timeframe to dispute the transactions. I was later instructed to disregard this reason, and a new denial explanation is being mailed. This raises concerns about the accuracy and consistency of their investigation process. Given that : - All transactions occurred on the same date - All were reported within XXXX hours - XXXX claim was credited immediately while others were denied There appears to be inconsistent handling of materially similar fraud claims. I am requesting that Chase be required to : - Provide the specific evidence used to determine that the disputed transactions were authorized - Clarify how differing outcomes were reached across accounts under the same circumstances - Confirm that their investigation complies with Regulation E requirements This matter involves significant financial loss and inconsistent determinations, and I am seeking a thorough and compliant review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: GLOBAL SOLUTION BIZ LLC.
State: CA

Complaint narrative:
I started to receive text messages and emails. I finally responded back through text a cease and desist all communication. Im still receiving text messages and emails threatening tactics. Not once have I received a pre lien notice in the mail or any other notice in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo turned a small balance into a {$17000.00} debt through endless fees and charges that I never agreed to. I closed my account because the charges kept increasing and no one could properly explain them. Every time I looked at the account the balance was higher even though I wasnt spending money. It feels like the bank just kept adding fee after fee without transparency.

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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America closed my checking account and mailed the remaining balance, which exceeded {$14000.00}, as a check on XX/XX/year>. At the time the check was mailed, I had already moved from the address eight days earlier. Because my account access was restricted when the account was closed, I was unable to update my mailing address prior to the check being sent. The check was sent via regular XXXX mail without tracking or delivery confirmation. I continued to check the mailbox at the address daily after moving and still have the only key to that mailbox. The check was never delivered. There is no new tenant at the address, and no one else had access to the mailbox. I contacted Bank of America multiple times to request tracking information, delivery confirmation, or verification of whether the check was returned or deposited. The bank confirmed that they can not track the check, can not confirm delivery, and can not determine whether the check has been negotiated until approximately 121 days have passed. As a result, I currently have no access to more than {$14000.00} of my own funds due to the bank mailing the check to an outdated address without a secure delivery method or confirmation.

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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I noticed a lot of unauthorized charges on my checking account. I called to dispute said charges, one was pending. I was told over the phone in the initial report that that would be handled pending or not. The next day, I noticed the payment was posted without the benefit of the dispute nor the time the initial claim took. So I called Chase again, was told that the {$69.00} had been handled, but not how. The next day nothing changed and I faxed my attestation of not knowing where the charges had come from, and faxed it in along with their denial of the {$69.00} stating is was before the 30 day time period, which was not true. I called again, the next agent did file a dispute for me. Chase continues to harass me for more information, as if this institution is punishing me, for experiencing fraudulent activity on my account. I had disputed the {$69.00} through XXXX ; however Chase notifed them of something, and my entire XXXX account was put on lockdown requiring yet another hour of red tape to reactivate that account. I can not provide Chase information that I know nothing about, or information that I do not have. CURRENT PHONE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Charged-Off Accounts in Dispute XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} I.C. XXXX XXXX / XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} I dispute the accuracy, completeness, and validity of these accounts. I request that Experian provide : Original signed agreements Complete account histories Documentation verifying ownership and balances If Experian can not verify these accounts, they must be deleted. Unauthorized Inquiries in Dispute XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recall authorizing these inquiries. Please provide proof of authorization or permissible purpose. If not available, these inquiries must be removed.

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 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp.
State: IL

Complaint narrative:
My car was repossessed after missing XXXX payments. In all honesty I believe I overpaid for the car

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I am submitting this complaint regarding property inspection fees that have been repeatedly charged to my mortgage account without adequate explanation or supporting documentation. I contacted my mortgage servicer to inquire about these charges. I was informed that property inspection fees may be assessed if an account is delinquent or if the borrower can not be reached by phone. However, my account is not delinquent. When I asked for clarification as to why these fees were applied to my account, I was unable to obtain a clear or specific explanation. I requested documentation outlining the circumstances under which these fees may be charged, and I was told that this information is included in the fine print. When I requested a copy of those terms, I was informed that it could not be provided. I also requested a detailed breakdown of the fees, including dates, as well as any records of attempted contact ( such as call logs ) that would justify these charges. I was told that this information could not be provided. Despite being advised that I could dispute the charges, I have not been given sufficient information to understand or validate why these fees were assessed in the first place. I am requesting the following : A full accounting of all property inspection fees charged to my account, including dates and amounts Documentation supporting the necessity of each inspection Records of any attempts to contact me, including dates, times, and methods A copy of the portion of my mortgage agreement that authorizes these fees I am concerned that these fees may have been improperly assessed and that I am being denied access to documentation necessary to understand or dispute them. I respectfully request that this matter be reviewed and that any improperly assessed fees be corrected. Property inspection fee charged to our account : XXXX : {$30.00} XXXX : {$30.00} XXXX {$30.00}

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Management Location Services Inc.
State: TX

Complaint narrative:
I am receiving repeated phone calls from a company identifying itself as Management Location Services from multiple phone numbers, including XXXX. The caller left a voicemail stating I must return the call immediately regarding delinquent matters attached to your name and social and that it would be marked as a refusal if I did not respond. They have not provided any written notice of the debt, validation, or proof that I owe anything. The message uses vague and threatening language and does not clearly identify the creditor or account. I believe this may be a violation of the Fair Debt Collection Practices Act ( FDCPA ), including : - Failure to provide proper disclosure - Use of misleading or deceptive language - Harassing communication practices I am requesting that this company provide proper written validation of any alleged debt and cease telephone communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
Its been about two years or a year and a half since we first moved into that apartment well at least my mother. I am a XXXX in Alabama and I was told by the apartment agency like when I asked and I said well this like what is the point of me putting my credit down if Im not going to be someone that is living there and they told me that if Im getting mail sent there and if Im over the age of XXXX, I had to put my credit down but I would not be charged anything or liable for anything so when I was just looking on my credit report and said that I am in collections for something thats like {$400.00} on the account from XXXX XXXX that has nothing to do with me. I never paid rent for that apartment. I never did any of that so now Im in collections over something that I didnt do or had nothing to do with.

Company response to consumer: Closed with explanation