vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I received a notice dated XXXX XX/XX/XXXX from Concora Credit referencing subject : XXXX The notice informs me that an application for a Destiny Mastercard Account ( issued by the XXXX XXXX XXXX ) had been denied, citing a low credit rating reported by XXXX I did not apply for this credit card, nor do I know Concora Credit, nor is my credit rating that which is reported in the denial form I called Concora Credit to report fraud though I am unsure whether they are themselves the source of the fraudulent activity. I indicated that I would be bringing this matter to the attention of the CFPB. I was asked to provide my full name, date of birth, and social security number and I declined to provide that information. I did confirm my name and mailing address ( which appears on the letter I received ) after they read both to me. The Concora agent indicated that the matter would be brought to the attention of their fraud department and that they would follow up with me by mail. They also indicated that they would be in touch with the credit rating agency to remove notice of inquiry and to take other steps to preserve my credit rating. I sought to contact XXXX about this at the XXXX number appearing on the denial letter, but could not get through to anyone to discuss the matter at that number. Nor was I able to find another phone number online through which I might easily report the fraud to XXXX. The lack of ease with which to engage with a firm reporting my credit score adds insult to injury in a system that seems profoundly broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
We've been trying to dispute this debt for the last year and have sent notices in writing but they will not return the debt or provide debt validation. We need this resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Complaint Against JPMorgan Chase Bank Improper Withholding and Failure to Respond I opened a Chase checking account after receiving promotional offers for a {$300.00} new account bonus upon completion of certain qualifying activities. After completing the required activities, the {$300.00} bonus was deposited into my account on XX/XX/year>. On the same day, Chase deducted {$72.00} from the account with the description Federal Interest Withheld. When I contacted the branch that opened my account ( XXXX XXXX XXXX XXXX in XXXX XXXX XXXX ), the representative who assisted me, XXXX XXXX, repeatedly stated that the XXXX had removed the funds and that Chase had no involvement. Because this explanation did not make sense, I contacted the IRS directly and obtained transcripts confirming that no levy, garnishment, or federal enforcement action had been taken against my account. The IRS confirmed they did not remove any funds. I escalated the matter to XXXX XXXX XXXX approximately two weeks ago and was assigned a representative named XXXX XXXX to review the complaint. XXXX XXXX indicated he would follow up with me. Since that time I have left multiple voicemail messages and have received no response. The account has been open less than 90 days, with minimal activity other than the deposits required to qualify for the promotional bonus. Despite multiple attempts to resolve this directly with Chase, no one has been able to provide a clear explanation for the withholding of the {$72.00} or return my calls from the Executive Office. For context, I maintain an established relationship with Chase, including : A longstanding mortgage with Chase Several Chase credit cards Given this relationship, the lack of transparency and failure to respond is unacceptable. I am requesting : A written explanation for why {$72.00} was withheld from the promotional bonus Reimbursement of the {$72.00} if the withholding was improper A formal response from Chase explaining the lack of follow-up from their Executive Office

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
I was selling an item on XXXX marketplace and I had listed some items names in an antique XXXX XXXX group. An admin of that group had messaged me and sent me a number saying that their friend wanted to purchase my antique wood desk that I had listed. The admins name was XXXX XXXX XXXX. I then message the number and it belong to someone who claimed their name was XXXX plan to pick up the item the next day and ask for my XXXX information me a XXXX. I then got an email from XXXX that looked like a legitimate email everything about it a XXXX email except once you actually clicked on it and viewed the senders email address. It was not the official XXXX XXXX. I got a call from them who claimed to be a XXXX representative. They then said that I needed to upgrade my account to a business account and they said that the smallest transaction for this would have to be {$1000.00} so they told me that they informed XXXX to send me {$1000.00} and then I would just need to send it back. At first, theres no problem with this cause I didnt have to send any money. Then they said I would need to send XXXX {$1000.00} and then that we both would be refunded by XXXX. At this point, I still didnt suspect anything. They then said that we cant use XXXX for the transaction but to reach out to XXXX to find another platform we agreed on Zelle XXXX sent me Zelle information for a XXXX XXXX claiming that that was his wife. I sent a {$500.00} though because thats the most I could send at this point the fake XXXX customer service representative venture that I needed to send another XXXX this is when I started questioning it because it went from sending just XXXX to now XXXX on top of the XXXX I had already sent Thats when I double check the email and realize that it was indeed a scam. I reported it to XXXX XXXX and Zelle, and both of them said they wouldnt be able to refund me for this type of scam even though the scam was a result of the scammers, pretending to be an official bank system, which was XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint due to Affirms refusal to properly apply a refund that was issued months ago. Despite providing clear documentation multiple times, Affirm continues to deny the dispute and attempt to collect money that has already been refunded to them. I made a purchase at XXXX XXXX totaling approximately {$110.00} using an Affirm one-time virtual card. I later returned one of the items, and XXXX XXXX processed a refund in the amount of {$26.00} back to the original payment method ( the Affirm card ). Affirm received this refund but has refused to apply the credit to my account and continues attempting to collect the same {$26.00} from me. This effectively means Affirm is attempting to be paid twice for the same portion of the transaction. I have now appealed this issue approximately five separate times and have submitted extensive documentation, including : The original purchase receipt The store return receipt showing the refund amount of {$26.00} Written confirmation from XXXX XXXX customer service verifying that the refund was processed Despite this clear evidence, Affirm repeatedly denies my dispute and states they are closing the case in XXXX XXXX favor. This statement is contradictory because XXXX XXXX already confirmed and processed the refund back to Affirm. The merchant fulfilled their obligation, and the funds were returned to Affirm. At this point, Affirms refusal to apply the refund appears to be either gross negligence in handling consumer billing or an improper attempt to collect funds that were already returned to them. Consumers should not be forced to repeatedly prove a refund that has already been confirmed by the merchant. Affirm has had ample documentation and multiple opportunities to correct this error but has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I sent 2 emails saying to cease any contact unless its by email or mail. They still call me. I need it to stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MI

Complaint narrative:
I am submitting a complaint regarding a voluntary payment of approximately {$20000.00} made in XXXX on my federally held Parent PLUS loan serviced by MOHELA. This payment was made during the COVID administrative forbearance period, when no payments were required under CARES Act guidance. It was made via bank transfer and can be verified. The loan is currently tracked toward Public Service Loan Forgiveness, and I request that my qualifying payments remain unaffected. I am requesting a full refund of this payment and written confirmation of the refund.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I ordered XXXX massagers form XXXX on XX/XX/XXXX. I received the products on XX/XX/XXXX. I emailed the company on XX/XX/XXXX stating the products were defective and to send me information on how to return them. I got no response. On XX/XX/XXXX I emailed the company again and got no response. The product came with a lifetime warranty and a 90 day return policy. I filed a dispute with affirm XX/XX/XXXX, filed an appeal on XX/XX/XXXX, They financed the merchandise. I emailed complaints department about the issue and asking for evidence that the company provided return information to me. I have attempted multiple times to get the products returned and am not able to do so because no one from the company will respond to me. I should not be charged for a faulty product from a company who will not respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX, I did a cash advance from my credit card. A few days later, the funds were removed and apply to a charged off account. The situation occurred last year as well and I was told that the funds would be refunded because we can not use funds from a Navy Federal account loan or credit card to pay off another loan or credit card. I spoke with two agents today who were not very helpful. The first agent hung up the phone on me after I asked to be transferred. The second agent tried to explain that the funds were refunded to me as a courtesy from the incident in XX/XX/XXXX. I advised her that that was not the situation. The partial refund that was sent to me was for funds that were sent from an external account and that the entire cash advance amount was returned back to be applied to the credit card. Therefore, there were details, missing about that interaction, which Im sure it could be found out through listening to the phone calls. I also explained to her that that situation did not take place over one day. I had to make several phone calls and it took several days to resolve that. When I was was told at the time is that time is there is no difference from them pulling the money off of a credit card, which they cant do, or me taking the money off of the credit card and placing it into my checking account. The accounts funds should not have been removed. The last agent I spoke with today told me that is not the process but did not give me any clear information as to why I received different information last year or last week. I spoke with several different agents last week who eventually told me I had to call the charge off department, but they close at XXXX PM. The last agent also said that I was offered a 40 % settlement offer, but that I did not call back to settle the charge off account. The amount that I was offered to settle off the account was more than 40 % that I could not afford, which is why I declined at the time. If they later came up with a new offer that is new to me. I told them that if I could come up with what they originally asking then I would call back, but I could not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am reporting an unauthorized debit card charge involving JPMorgan Chase. On XXXX, my debit card was charged XXXX THB ( {$230.00} ) at a restaurant in XXXX. I did not authorize this amount and the final amount was not properly disclosed to me. The restaurant did not provide an itemized receipt showing the prices of the items. The only receipt I received was a card receipt showing the charged amount. I contacted JPMorgan Chase multiple times requesting to open a dispute, but the bank refused unless I provide an itemized receipt showing a different amount, which the merchant never provided. I am requesting that the bank allow a formal dispute investigation for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
The property was previously listed for sale months ago and received an offer. The previous realtor was not familiar with the short sale process and did not follow through with helping me. There was nothing more she could do. Another realtor later reached out to me, and she is knowledgeable on the short sale process. It took a couple of weeks to receive an offer, but we found a buyer. The buyer is ready, willing, and able to buy my property. The buyer is also willing to wait for the short sale process to complete. My realtor submitted all documents to the bank and they acknowledged received. On XX/XX/XXXX I spoke to the bank rep and told them that I would like to request a short sale. An offer was received on XXXX/XXXX/XXXX and was sent to Freedom Mortgage on XX/XX/XXXX. My account should have already been in review because I called them with more than 37 days to review and told them that the house is listed for a short sale. They will not stop the foreclosure or review the account for a short sale because they are saying there isn't enough time. I know that they can stop the sale because my realtor has worked with Freedom Mortgage in the past when this was done before. They can escalate the request to the investor and send a request to the foreclosure department to postpone. The last few months have been rough for me and my family. Some documents were delayed due to me having emergency XXXX surgery as well as another surgery after more health issues were found.

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 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Subject : Account Paid in Full Request to Update Credit Reporting I am submitting this complaint regarding an account associated with Blink Fitness that was handled by Aldous & Associates PLLC. Account XXXX : XXXX I have paid this account in full. The payment in the amount of {$77.00} has been completed, and the balance is now {$0.00}. I have received written confirmation from Aldous XXXX Associates stating that the debt has been reconciled and resolved. I am requesting that the credit reporting for this account be updated to accurately reflect that the account has been paid in full. If the account has been reported to any credit bureau, it should be updated accordingly to show a {$0.00} balance and paid status. If the account has not been reported, I request confirmation that it will not be reported in the future, consistent with the written communication I received. Please investigate and ensure that all credit reporting related to this account is accurate. Thank you. Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/year>, I opened a checking account at a Chase branch. At that time, the banker told us that I would receive a {$300.00} bonus if I received a direct deposit antomatically from my employer. I did receive the direct deposit as required. However, I later learned that a coupon code needed to be entered in order to qualify for the promotion. Unfortunately, the banker never informed us about this requirement when I opened the account. Because of this, I did not enter the coupon code and did not receive the {$300.00} bonus. I have contacted the branch manager and went to the branch about 5 times in XXXX months, also I had sent XXXX emails to a clerk in the branch about the situation, but no responding about the email, and I was told that nothing could be done because the promotion has expired. I followed the instructions provided by the bank employee when opening the account, and I believe I should still qualify for the promotion. I respectfully request that Chase review this case and apply the {$300.00} promotional bonus to my account. My name is XXXX XXXX, I live in XXXX, the phone number is XXXX, and email is XXXX. the ast four number of my Chase bank account is XXXX, the account was openede around XX/XX/XXXX. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation