vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have a Venmo account that had an unauthorized transaction on it, I disputed it and venmo credited the money back to my account. Shortly after, they sent me an email saying that my account has been frozen and I ca receive my money after 180 days. I dont care if they close my account I just want to be able to access my money because I have a lot stuck in there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MA

Complaint narrative:
This debt collection agency showed up on my credit report and has never sent me any correspondence about it. They are also falsifying the date in which the account was opened. I have the information on this debt from a previous debt collection agency that did their due diligence and communicated and acted as they were supposed to.

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 2026-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX my account got hacked while I was asleep and they took all of my money out of my savings account and used for XXXX and also took my maximum borrowing amount and used it for crypto and was able to XXXX it all out. I called Cash App as soon as I saw I had no money in my account that morning and saw all these weird transactions. They said I would have to Wait XXXX business days. I waited and called back after the XXXX business days and still got no real help or any answers. I kept calling and still the same response. Ive called and tried to ask for a supervisor. I keep getting the run around I am unable to talk to a supervisor when asked and they are still saying XXXX XXXX. Its been a month and a half and I still cant get any help when I call. Cash App is trying to charge me for the amount that they borrowed and they still havent given me my money back that was stolen from me. If they arent going to give me my money Back or do anything about my account getting hacked then they should just say that. Its about to be going on XXXX XXXX and I should have gotten my money back by now!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently discovered a collection account from XXXX XXXX XXXX on my credit report for {$720.00} that I do not recognize and did not authorize. I have never opened an account with this company or the alleged original creditor. This account appears to have been added to my credit report without my knowledge and may be the result of identity theft, mixed credit file, or inaccurate reporting. I am requesting immediate investigation and verification of this debt. If the company can not provide complete documentation proving that this account legally belongs to me, I request that it be permanently deleted from all credit reporting agencies. This inaccurate reporting is negatively affecting my credit score and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
XXXX XXXX has not updated the amount that was charged off. I filed chapter XXXX XXXX and this XXXX is still showing up as owed on my credit report. This should be a XXXX balance. XXXX XXXX was filed in the middle district of Florida, XXXX XX/XX/year>, 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 explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
On or around XXXX of 2025, I sent XXXX XXXX XXXX debt validation letter ask the creditor to validate a debt they claim belongs to me It has been over 60 days and the credit did not validate the debt as requested, and required by law, Instead the creditor sold the debt to a debt buyer called CALVARY PORTFOLIO, acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after noticing this unverified account on my consumer report recently, I also sent CALVARY PORTFOLIO a debt validation letter. Please see attachment ; Both XXXX XXXX and CALVARY PORTFOLIO is knowing in violation of federal law, Violation, 807 ( 2 ) ( a ), 808, 15U.S.C, 1692f

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I booked XXXX round-trip airline tickets for my wife and myself through the Chase XXXX XXXX XXXX by JPMorgan Chase Bank for flights operated by XXXXXXXX XXXXs XXXX The itinerary was XXXX to XXXX ( XXXX ) on XX/XX/XXXX, with a return flight from XXXX to XXXX ( XXXX ) on XX/XX/XXXX. The tickets were redeemed using XXXX Chase XXXX Rewards points, which had a listed cash value of {$2000.00} at the time of booking. On XX/XX/XXXX, XXXX day before departure, XXXX canceled the outbound flight from XXXX to XXXX. We immediately contacted Chase XXXX to request rebooking. However, Chase XXXX was unable to arrange an alternative itinerary that allowed both passengers to travel together. As a result, we canceled the outbound segment and arranged replacement travel ourselves. Chase XXXX informed us that the canceled segment would be fully refunded after completion of the return flight. After completing the return flight on XX/XX/XXXX, we requested the refund for the canceled outbound segment. Since then, Chase XXXX has repeatedly stated that they are waiting for XXXX to provide the refund amount before processing the refund. We have asked multiple times for a timeline, but none has been provided. According to the cancellation notification email from XXXX, passengers who decline alternative flights are eligible for a full refund. XXXX also states on its website that when tickets are purchased through a XXXX XXXX XXXX, the agency that sold the ticket is responsible for handling the refund with the customer. Because the airline canceled the flight and we declined the alternative itinerary, the affected segment is eligible for a full refund and Chase XXXX is responsible for issuing that refund. Over the past XXXX days, we have spent significant time following up with Chase XXXX and escalating the issue to the Executive Office at JPMorgan Chase Bank . The Executive Office has continued to state that they are still researching the concern, but no refund has been issued and no timeline has been provided. I am requesting assistance from the CFPB to resolve this matter and ensure the refund is processed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I request that this matter be thoroughly investigated and that LVNV Funding LLC be required to provide proper documentation supporting their claim and demonstrating that all legal requirements were met before initiating any garnishment action. Specifically, the company should be required to provide full validation of the alleged debt, including documentation identifying the original creditor, proof that the debt was legally assigned to LVNV Funding LLC, a complete itemized accounting of the alleged balance, and documentation showing that I was properly served with notice of any legal proceedings. In addition, if this account was previously charged off or cancelled by the original creditor, I never received a Form 1099-C reflecting cancellation of debt income. If the debt was charged off or cancelled, the company should clarify the status of the account and provide documentation supporting their legal right to collect on the alleged balance. If the company is unable to properly validate the debt and demonstrate that all legal requirements were followed, they should immediately cease and desist from all collection activity, including the garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My name is XXXX XXXX This bank has restricted my account and closing it with all my funds and stating they not releasing for 30 to 69 days I have a family and bills they can closed the account immediately and release

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 2026-03-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Logged in and thought I scheduled my XXXX credit card. When payment did not clear logged in again and scheduled payment which was XXXX day late resulting in {$29.00} late fee. Balance only {$250.00} so already accruing interest. Have since paid the balance all but {$29.00}. Called XXXX department which is thru Capital One. Both customer service rep and manager stated that could not remove late. Considering balance minimal, substantial interest charge and credit history with bank, unreasonable to charge {$29.00} late fee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding XXXX collection accounts reported by XXXX XXXX on my credit report. The accounts show balances of {$1600.00} and {$980.00} and were both opened on XX/XX/year>. I do not recall entering into any agreement with this company, and the accounts were placed for collection without proper validation being provided to me. I have not received sufficient documentation proving that these debts are accurate, that XXXX XXXX has the legal authority to collect them, or that the amounts reported are correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am disputing XXXX charges that were processed through PayPal for XXXX on XX/XX/year> : {$550.00} and {$6.00}. I believe these charges were unauthorized, improper, or not adequately disclosed. I am requesting a full investigation into why these charges were processed, what services they were allegedly for, and whether proper authorization existed. I want a clear explanation of both charges, a refund of any invalid charge, and confirmation that no further charges related to XXXX will be processed without my express consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: U.S. BANCORP
State: ME

Complaint narrative:
In an attempt to remove my ex spouse from my home mortgage, I filed for the loan assumption/modification process with US Bank for the first time in XXXX. I was almost immediately denied and told that I would need to file again showing two years worth of income. I filed for the second time on XX/XX/XXXX, of XXXX through secure email, and personally mailed all documentation in hard copies via express mail on that same day. After showing sufficient income and being pre-approved, US Bank continuously dragged out the process and repeatedly asked for the same information, which I provided- in some cases, documents were provided two to three times over an eight month period. Although this was a modification request, a full mortgage application was completed. I dealt with three different agents in the loan assumption department in less than a years time, and called monthly, sometimes weekly. I never once received a return phone call, and oftentimes received no response at all. US Bank has been provided sufficient information and time to provide a decision, and now they have asked that I start the whole process over again. I have all emails, phone calls, applications, etc. documented and can provide upon request.

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 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to formally dispute the reporting of a repossession account that appears on my credit report. This account is listed as Navy Federal Credit Union. My Account Number is XXXX Date Opened : XXXX After reviewing my credit file, I noticed that this account is being reported inaccurately and in violation of my consumer rights under federal law, including : 15 U.S.C. 1681s-2 a The furnisher of information must provide accurate and complete information to the credit bureaus. 15 U.S.C. 1681i a I have the right to request a reasonable investigation of any disputed information. I am requesting that you conduct a full reinvestigation of this account and provide proper documentation that verifies : 1. 2. The original contract with my signature authorizing the alleged debt. A complete payment history and records showing default prior to repossession. I request that you immediately remove this account from my credit report pursuant to 15 U.S.C. 1681i a5. I shouldnt owe the whole amount when I made payments. I kept Navy Federal Credit Union updated with my struggle of life after getting fired and calling off my wedding. I told them I started training for a job in 2 days and could pay them the past due that Friday. They repossessed my truck the same day I was supposed to started training for my management position.

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 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This complaint involves {$19000.00} that my wife and I lost because Bank of America mishandled our claim under Regulation E regarding a series of unauthorized electronic fund transfers ( EFTs ) initiated by scammers. The scammers discoveredand exploiteddeficiencies in Bank of Americas system for detecting suspicious activities and for detecting and preventing frauds on consumers. Thereafter, Bank of America did not conduct a reasonable investigation of our claim that the transfers constituted unauthorized EFTs ; did not ( and could not ) meet its burden of proof under Regulation E and the Electronic Fund Transfer Act to show that the transactions were authorized ; and did not provide us the information that it used to make its denial in complete or understandable form.

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 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime denied my dispute for a {$320.00} Pay Anyone transfer induced by advance-fee fraud. I was deceived into paying for non-existent tools via a XXXX group titled, XXXX XXXX XXXX XXXX XXXX. I attempted to purchase these items, then recieved XXXX shipping notices from gocelologistics.org ( unsolicited package claim, fake tracking XXXX, escalating demands for insurance {$130.00} and {$60.00} XXXX switch ). No goods received, clear scam signs ( poor site grammar, no contacts, XXXX reports ). Chime says the transaction is cash-like and irreversible, but this fits merchant fraud/no services provided. Request investigation and reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX I received emails that I was approved for checking and savings account being opened. On XX/XX/XXXX I called US bank and asked who opened these accounts they said they where opened. But they can not give me any information. They gave me the run around. I told them I wanted these accounts closed, XXXX from XXXX XXXX. Said she can close them. But she will make a not. She said should contact www.ftc.gov-idtheft. And contact check systems. I ask what there going to do. She said she does not know. I have the application ID XXXX never opened any accounts. I know us bank had this scam going on in XXXX and XXXX. I want them to pay me for this stress they are causing.

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 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
During foreclosure litigation, the servicing of my mortgage was transferred from CrossCountry Mortgage to XXXX XXXX XXXX, who hired XXXX XXXX to perform property preservation activities. My home was occupied at all times, and the foreclosure had not been finalized, meaning the lender had no legal possession of the property. In XX/XX/XXXX, CrossCountry Mortgage to XXXX XXXX and XXXX ( all accountable ) removed my vehicle from the garage while my home was occupied, despite being notified the property was not vacant. On XX/XX/XXXX, I returned home with visiting guests to find that XXXX had changed the locks to my residence without my consent. I was locked out in below-zero temperatures, forcing myself and a guest to take shelter in the garage, resulting in frostbite symptoms. I called the emergency number posted on a notice left by XXXX, and the representative verbally suggested I break into my own home, which I recount factually though no recording exists due to immediate exposure to extreme cold. The next day, I finally received the lock code only after repeatedly calling, because XXXX initially claimed they wrote down the wrong phone number. Throughout this entire situation, I had to call multiple times to get updates, but the representative XXXX at XXXX repeatedly stalled and apologized for the unauthorized actions. After entering the home, I found personal belongings had been disturbed. Additionally, my XXXX vehicle, which had been stored in the garage, went missing during this period, though XXXX denied removing it. I am the legal owner and have the title. When I requested a call, the manager, XXXX XXXX, emailed claiming they had investigated and acted lawfully, despite the fact that I hold the keys and lock code to my home and they never had possession. Throughout this ordeal, I have not felt safe to sleep in my own home due to repeated trespassing, harassment, and constant excuses. When asked why they did not verify property ownership before entering, XXXX stated they were hired for service, showing disregard for my legal rights. I have preserved recordings of XXXX admitting unauthorized entry, emails documenting access restrictions, photos of notices and property, and a complete timeline of events. Despite my patience and good-faith attempts to resolve the matter, the companies actions represent unauthorized entry, harassment, interference with property, and unsafe conduct, and I am submitting this complaint to request regulatory intervention, accountability, and protection of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I had " fees '' that have been on my account for months due to returned ACH payments. I have called multiple times for the last 4 months trying to get information on who was drafting the payments. I switched banks and was not able to change the auto draft because nobody knew the information for who was drafting the payments. I was told on multiple occasions that the fees would be taken off. After this didn't happen I paid the balance. This was back in XXXX. The fee payment never credited to my account. On XX/XX/XXXX I paid the fees balance AGAIN in the amount of {$320.00}. Once again, it is not showing up that my account was credited. It is still showing that balance is due. I have called multiple times and each time a " supervisor '' tells me it will be fixed in XXXX business days. As of today, XX/XX/year>, my account is still showing I owe XXXX. This company is stealing my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
AmeriHome Mortgage increased my payment by {$340.00} form XXXX to XXXX. They escrowed taxes although there was no request to do so. Several calls to the company yielded no results. I explained that my taxes are paid in full and I did not ask for it to be escrowed. I requested to speak with a supervisor but never receive a call back. I just paid {$340.00} more on my mortgage than I should have paid.

Company response to consumer: Closed with explanation