vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint against Chase Bank regarding my closed checking account and the withholding of my remaining balance of {$1400.00}. My account was closed by the bank due to suspicious activity. However, the funds in the account consist entirely of legitimate direct deposits from my employer. I have not engaged in any fraudulent activity. It has now been over one month since the account was closed, and Chase has not returned my remaining balance. When I contacted the bank, I was told the investigation could take up to 12 years, which is unreasonable given that the funds are verified wages. I have requested clarification and a timeline, but have not received a clear explanation for the delay or any indication of when my funds will be released. I am requesting that Chase Bank : 1. Immediately release my remaining balance of {$1400.00}, or 2. Provide a clear, written explanation of the specific reason for the continued hold and a definite timeline for resolution. I am prepared to provide documentation showing that all funds were from my employer via direct deposit. This delay is causing financial hardship, and I believe it is unreasonable for the bank to hold my wages for an extended period without justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I received a letter on XX/XX/XXXX from " Professional Credit Service '' XXXX XXXX XXXX, XXXX, OR XXXX. The letter claims that a " judgment was entered against you on XX/XX/XXXX in XXXX XXXX court. The judgment balance is currently {$4600.00} which includes {$2800.00} in post-judgment interest. '' The creditor is supposedly " XXXX XXXX XXXX XXXX '' but I never had any medical services from them in XXXX. The debt is completely false. I was told to contact them at XXXX or visit their consumer portal at www.pcsdirectpay.com I immediately suspected a scam and took to google to find out what my steps should be to take, and was brought to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing this XXXX insurance collection because the debt collector, Credit Collection Services ( CCS ), has never provided any validation of this debt. I have not received a notice, itemized bill, policy number, contract, or any documentation proving that I owe this debt. I attempted to resolve this issue by disputing it with the credit bureaus, but CCS did not provide verification as required under the FDCPA. Despite failing to validate the debt, CCS continues to report and update this account on my credit reports, including an update on XX/XX/2026. Because the company has not provided any proof that this debt belongs to me, I do not owe this collection company. I am requesting that the CFPB require CCS to provide full validation or remove this account from all credit bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
* * Subject : * * Improper Closure of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discharge Application Without Explanation I am filing a formal complaint regarding the handling of my federal student loan XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) discharge application by the U.S. Department of Education XXXX XXXXXXXX XXXX XXXX My case number is # XXXX. I submitted a XXXX discharge application on XX/XX/year>. I was later informed that my application had been closed. When I contacted customer service, I was told there was no documented reason provided for the closure of my application. I have a documented XXXX and relied on the TPD discharge process to be properly reviewed in accordance with federal procedures. My treating physician has also advised that my application should not require resubmission, as it should have already been reviewed based on the documentation previously submitted. My doctor expressed concern that my initial application was not properly reviewed before it was closed. At this time, I am requesting : 1. A full investigation into why my TPD discharge application was closed. 2. Written documentation explaining the specific reason for the closure. 3. Confirmation of whether my original application and supporting medical documentation were reviewed. 4. Assurance that my XXXX documentation will be properly considered without requiring unnecessary resubmission if the original submission was incomplete due to administrative handling. This situation has caused significant stress and confusion, especially given my XXXX status. I am requesting a fair review and proper explanation of what occurred. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
I am submitting this formal response regarding the claims by XXXXXXXX XXXX XXXXXXXX that it is the new servicer of the above-referenced loan, allegedly transferred from XXXX XXXX XXXX This matter is currently subject to active litigation and a pending appeal before the Georgia Court of Appeals ( XXXX XXXX. XXXX ). The issues under review include standing, authority to foreclose, and the validity of assignments and servicing rights related to this loan. 1. Disputed Authority to Transfer Servicing The alleged transfer of servicing from XXXX to XXXX is formally disputed. At the time of this purported transfer : XXXX authority to act as holder or servicer of the loan was already under legal challenge A lis pendens had been filed, placing all parties on notice of a dispute regarding title and enforcement rights There has been no verified, recorded, or legally established chain of authority demonstrating that XXXX possessed the right to transfer servicing As such, any transfer of servicing rights is legally questionable and potentially void. 2. Violation of Federal Servicing Laws ( RESPA / Regulation X ) This alleged transfer raises serious concerns under 12 CFR 1024 ( RESPA / Regulation X ), including : Failure to provide clear and accurate notice of transfer Transfer of servicing while the loan is under active dispute and litigation Attempting to collect or assert servicing authority without verifying legal standing Additionally, prior Qualified Written Requests ( QWRs ) were submitted and remained unresolved at the time of the transfer, raising concerns of improper servicing conduct. 3. Attempted Collection Without Verified Authority XXXX claim that it is the new servicer constitutes an attempt to : Collect payments Assert control over the loan Potentially enforce rights without first establishing lawful authority. This is particularly concerning given : The pending appeal The unresolved dispute over chain of title and assignment validity The lack of certified documentation establishing a valid transfer 4. Active Litigation Requires Suspension of Servicing Actions Because this matter is under active judicial review, any transfer of servicing or collection activity should be immediately suspended until : The Court of Appeals issues a ruling Authority to service or enforce the loan is legally established Proceeding otherwise risks : Misrepresentation of authority Consumer harm Violation of federal servicing regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
XX/XX/year> I paid my credit card balance in full. They told me I would not receive any fees until I use the card again. They decided mid XXXX to charge me a {$12.00} fee. They then said it would be erased. It was not then it rolled over to a late fee then that was fixed then I was taking off then it was added back now were up to {$60.00} and some change. When I called in, they told me I would not be charged fees until I use the card again yet now they keep stacking fees on there. One person says those zero the account out one person gives me the runaround. Im not paying {$12.00} maintenance fee when I dont use the account when they have agreed repeatedly that there is no fee if there is no balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: RI

Complaint narrative:
AFFIDAVIT OF TRUTH & NOTICE OF DISPUTE I, XXXX XXXX, a natural person, hereby declare under penalty of perjury that the following statements are true, correct, and made in good faith : 1. I am disputing the following accounts reported on my consumer report as inaccurate, unverified, and/or misleading : Navy Federal credit {$27.00} charged off account 2. These accounts contain inconsistencies including, but not limited to : - Multiple reporting entities for the same alleged debt - Conflicting account statuses and dates - Lack of verified contractual obligation - Incomplete or missing original creditor documentation 3. I have not been provided with any verified contract, signed agreement, or lawful evidence proving I am obligated to pay these alleged debts as currently reported. 4. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I formally demand : - A copy of the original signed contract or application - Full accounting of the alleged debts - Proof of chain of title and lawful assignment for any debt buyers - Documentation validating the accuracy of all reported information 5. Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information. 6. Under 15 U.S.C. 1692g ( FDCPA ), I request full validation of these debts. Until validation is provided, all collection activity must cease. XXXX. I invoke my rights under XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), which requires furnishers to conduct a meaningful investigation. XXXX. Additionally, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) confirms that credit bureaus must go beyond superficial verification. 9. The reporting of duplicate or misleading accounts ( original creditor + debt buyer ) without proper validation may constitute inaccurate reporting under the FCRA. 10. Failure to provide proper verification within 30 days requires immediate deletion of the disputed accounts. 11. Continued reporting of unverified or inaccurate information constitutes willful noncompliance under 15 U.S.C. 1681n, making you liable for damages. 12. This affidavit serves as formal legal notice. Any failure to comply will result in escalation, including complaints filed with the Consumer Financial Protection Bureau and legal action if necessary. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Executed on this XXXX day of XXXX, XXXX. __________________________ XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Better Mortgage, Inc.
State: IL

Complaint narrative:
I established a refinance loan application with Better Mortgage through XXXX XXXX. After my application was accepted, I was provide a closing clost estimate, and then a final closing cost disclosure for loanXX/XX/XXXXXXXX for a 15 year mortgage. The date of closing was XX/XX/XXXX, which was known by all involved at Better Mortgage, including : Loan Consultant : XXXX XXXX Processing Expert : XXXX XXXX Loan Originator : XXXX XXXX XXXXXX/XX/XXXXXXXX / XXXX Payment was provided for closing to Mortgage Connect, a title company, in the amount of {$12000.00} on XX/XX/XXXX. On XX/XX/XXXX, i received an email from XXXX XXXX XXXX XXXX Mortgage XXXX, stating that there was a balance of {$580.00} required to complete the payoff. The balance was reportedly due to HOI and taxes being paid through escrow. However, these payments were distributed on XX/XX/XXXX and XX/XX/XXXX, respectively, and were known prior to the closing costs. I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Freedom Mortgage. However, no one has been able to clarify why these additional costs were assessed weeks after the date of closing, despite having no changes to the escrow after the closing disclosure was provided. In addition to reaching out on XX/XX/XXXX at XXXX, I was informed by Mortgage XXXX that additional costs would accumulate at {$64.00} per day starting XX/XX/XXXX until this unexpected {$580.00} balance was paid. However, XXXX was not available when i called Mortgage Connect to ask clarifying questions about the costs, Better Mortgage was unable to explain the unexpected cost, and XXXX Mortgage was also unable to provide an explanation. I paid the balance of {$580.00} on XX/XX/XXXX to XXXX Mortgage, and notified Mortgage XXXX and XXXX XXXX. However, I have not received confirmation that the balances have been applied as of this writing. Given the misleading closing disclosure provided by Better Mortgage, and practices of requesting additional funds beyond what was disclosed 2 weeks after closing without explanation ( after my window to cancel the refinance application with them had expired ), with penalties being assessed starting the following day, I am requesting reimbursement of {$580.00} and an apology from Better Mortgage for their misleading practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Complaint Against Cash App ( Block , Inc. ) Identity Theft, Unauthorized Transactions, and Failure to Investigate : XXXX XXXX XXXX Company : Cash App ( Block, Inc. ) Summary of Complaint I am a victim of identity theft and unauthorized access to my Cash App account. Despite repeated attempts to report fraud and regain control, Cash App failed to properly investigate, denied assistance, and allowed ongoing unauthorized transactions totaling approximately {$4000.00}. Timeline of Events XX/XX/year> : I gave an acquaintance a ride. During the ride, I allowed him to briefly use my phone to make a call. He exited my vehicle with my phone under the pretense of returning shortly but never came back. XX/XX/year> : My phone was stolen. The individual gained access to my Cash App account and personal information. Late XXXX XX/XX/year> : The individual : " XXXX '' Changed my Cash App email and phone number Gained full control of my account Accessed deposits including my paycheck and my childrens Social Security disability benefits Conducted unauthorized transfers to himself totaling approximately {$4000.00} over 1.52 months Added notes to transactions indicating impersonation ( e.g., being you ), demonstrating clear fraudulent intent Multiple Attempts ( XXXX 2026 ) : I contacted Cash App support numerous times to report fraud and identity theft. Representatives refused to assist because the account email/phone had been changed I was denied the opportunity to verify my identity Calls and chats were ended without resolution No meaningful investigation was conducted After Regaining Access Date : XXXX XXXX I was eventually able to regain access to my account and confirmed : Unauthorized transactions and theft Evidence of fraudulent activity Unknown device/session still connected to my account Recent Interactions ( XXXXXXXX XXXX XXXX : Cash App has continued to : Delay the investigation process Reject valid identity verification submissions ( including government ID and photo verification ) Refuse accountability for unauthorized transactions Fail to secure my account by removing unauthorized access Current Status : I have reported this matter to the Social Security Administration, and an investigation is ongoing I have filed and obtained a police report My financial losses remain unresolved Issues and Concerns Failure to properly investigate a clear case of identity theft and fraud Denial of customer support due to account changes made by the fraudster Allowing continued unauthorized access and transactions Failure to secure my account after fraud was reported Inadequate and dismissive customer service, including terminated calls Improper handling of identity verification submissions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Help my rights are being violated, XXXX XXXX. XXXX ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report. .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: Activehours
State: MD

Complaint narrative:
On XX/XX/year> at approximately XXXXXXXX XXXX XXXX I completed an enrollment step for EarnIns Early Pay feature through their app. Within XXXX minutes ( XXXX PM ), I contacted EarnIn support to cancel this request. At XXXX PM, a support representative confirmed in writing that the enrollment had been canceled and stated that no further action was required. At no point during this cancellation interaction was I informed that I needed to contact my employer to reroute my direct deposit back to my personal checking account. On XX/XX/year>, my paycheck in the amount of {$600.00} was routed to an EarnIn-controlled account that had already been closed due to the cancellation. As a result, I was unable to access my wages. EarnIn later confirmed that the funds would be returned to my employer within XXXX business days. During multiple support interactions on XX/XX/XXXX, several EarnIn representatives, including supervisors, acknowledged that I was not provided the correct instructions at the time of cancellation and that this failure caused the misrouting of my paycheck. Despite this acknowledgment, EarnIn stated they could not release the funds or provide immediate access, and advised me only to wait for the return process. This created an immediate financial hardship. On XX/XX/year>, EarnIn offered a {$600.00} credit as remediation but failed to execute it. The company later introduced additional requirements ( including debit card verification and minimum balance conditions ) that made it impossible to complete the transfer due to the same financial disruption they caused. Over the course of several days, I interacted with multiple representatives and supervisors. The responses were repetitive, non-actionable, and in some cases, communication was abandoned without resolution. As of XX/XX/year>, the issue remained unresolved, with ongoing financial consequences resulting directly from EarnIns failure to provide proper guidance during the cancellation process and their inability to execute a consistent resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Just the past 3 months its was well over & XXXX through Cash App and the loan they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Bank of America Improper Denial of Unauthorized Transaction Claims I am submitting this complaint against Bank of America regarding the improper denial of multiple unauthorized transaction claims involving the merchants XXXX and XXXX. Despite reporting these transactions as unauthorized, Bank of America denied several of my claims while approving others involving the same merchants and similar circumstances. This inconsistency indicates a failure to conduct a fair and thorough investigation. The accounts involved are : Account ending in XXXX ( XXXX ) Account ending in XXXX ( XXXX ) The affected dispute claim numbers include : Account ending in XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account ending in XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX A key issue is the evidence submitted by XXXX. The documentation provided does not include my name, XXXX XXXX, and instead references a different individual. Despite this clear discrepancy, Bank of America still denied my claims. Additionally, Bank of America has already approved similar claims for these same merchants, confirming that unauthorized activity occurred and that I did not receive any services. These prior approvals were not properly considered when denying the other claims. I am requesting that Bank of America : Reopen and reinvestigate all denied claims listed above Provide a detailed explanation of how their determinations were made Correct the inconsistent handling of my claims Reimburse me for all unauthorized transactions where no service was received I believe Bank of America has failed to follow proper dispute investigation procedures and has relied on insufficient or incorrect evidence in denying my claims. I am seeking a fair resolution and full reimbursement for these unauthorized transactions. Sincerely, 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 monetary relief