vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX was able to send me ONE idenentifying e-mail. They were unable/NOT capapable to send MANY OTHER attempts to send e-mails to me. 

They could NOT identify me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This complaint is regarding the following internal bank Complaint reference number : XXXX. On XX/XX/year>, I visited the Chase XXXX XXXX XXXX XXXX XXXX. I requested a cash withdrawal of {$2500.00} from my account ending XXXX. I received a receipt indicating the withdrawal of {$2500.00} however, I only received {$1100.00} in cash. I noticed the error once I had arrived at home. As I am an elderly person with limited voice and mobility, I depend heavily on others to assist me. I submitted a complaint to Chase, however, the bank staff have been extremely uncooperative in providing me a written explanation evidencing the results of their investigation. I am an elderly person dependent on a low fixed income, so the missing {$1400.00} is especially distressful. The Chase staff, particularly the ones handling my complaint and the branch manager, have been taking advantage of the fact that I am a vulnerable consumer. I demand restitution of {$1400.00}. 
Any denial of that restitution should be provided to me with sufficient substantiated evidence as the burnden of proof is on the Bank to prove that no error occurred. Otherwise, the Consumer Financial Protection Bureau should use this case to conduct a thorough on-site branch examination to detect failures in branch operations, embezzlement, and manipulation of vulnerable consumers. 
If Chase is to provide me with a written letter, it must include evidence substantiating they have conducted a thorough investigation of my case, and evidence that the Branch Manager at Branch XXXX and teller XXXX have not embezzled the funds from my account, including but not limited to : Branch end-of-day cash reconciliation ; evidence that no variance occurred on XX/XX/year> for Teller XXXX and the Branch as a whole, branch video surveillance of the transaction which occurred approximately XXXXXXXX XXXX XX/XX/year> ; affidavit affirming the facts regarding the amount Teller XXXX provided to me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I have an FHA-insured mortgage serviced by LoanServ. A foreclosure sale is scheduled for XX/XX/year>. 
On XX/XX/year>, I contacted LoanServ to request loss mitigation and escalation to prevent foreclosure. I specifically requested a complete FHA loss-mitigation application, information about FHA loan modification and partial claim options, and instructions on how to submit required documents.

LoanServ representatives verbally stated that there are no FHA options available, but they refused to provide a loss-mitigation application, refused to provide any method to submit documents, and did not issue a written denial or determination.

Despite multiple requests, LoanServ would not identify a process for submitting a complete application prior to the scheduled foreclosure sale.

I am requesting that LoanServ comply with FHA loss-mitigation guidelines, provide a complete application and written determination, and postpone the foreclosure sale while my application is reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC regarding an alleged collection debt in the amount of {$1300.00}, which is being reported inaccurately and without explanation. Jefferson Capital is reporting the same alleged debt under two different account numbers, which immediately raises accuracy and compliance concerns. Specifically, Jefferson Capital is reporting account number XXXX to Equifax and Experian, while simultaneously reporting account number XXXX to TransUnion, both for the exact same {$1300.00} balance. 
At this point, I do not even know what this alleged debt is supposed to be for, because Jefferson Capital has never sent me any written notice, billing statement, or explanation of this account. I did not receive an initial collection notice, validation letter, or any correspondence before this was placed on my credit reports. Reporting a collection without providing required notice is a direct violation of FDCPA 809 ( a ) and constitutes a statutory violation worth up to {$1000.00} on its own. Jefferson Capital has multiple collection accounts reporting on my credit, yet I have not received a single piece of mail from this company for any of them.

Despite the lack of notice, Jefferson Capital continues to report this account using inconsistent account numbers across the credit bureaus, creating confusion, misleading reporting, and artificial damage to my credit profile. This is not a clerical error it is inaccurate and deceptive reporting.

I have already filed complaints with the Federal Trade Commission and the Attorney Generals Office regarding Jefferson Capitals reporting practices, and I am documenting these violations as part of a broader pattern of noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/year> I paid the balance of {$480.00} in full and stated I want the Capital One Platinum credit card account paid in full and closed. The representative confirmed paid in full and closed. She also said because I choose to close this, I would never be allowed to open Capital One Platinum again, confurming account closed. I periodically check within the app and it shows the card is restricted, as if I did something wrong and THEY are not allowing me to use the card. Now come XX/XX/year>, I again check and it shows a balance of {$8.00}. I immediately call, and am told, in the most confusing way they can explain, that the billing cylce is the reason and if I pay that, I was assured the account would be closed, so I agree to pay that XXXX. I see it drawn from my bank and then call back to speak to a supervisor to confirm the closure and then told no, I now still have {$0.00} remaining. A nickel. From just an hour ago! He again says its because of cylce dates and says he's more than happy to run another payment for that nickel but a debit card can only be used once a day so he will call me tomorrow, today XX/XX/XXXX. Which I shouldn't owe anything to begin with. But he does call and can not explain to me why the representative from yesterday did not mention that extra {$0.00} when I paid that {$8.00}? I stated I am filing a complaint so he says he would do it on his end, gave me a confirmation number and said someone else will call me in 7 to 10 days. I want this account closed and they are not doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I sent letters to validate Charge Off accounts taken over by a collection agency 's first on XX/XX/year> and a second round of validation letter on XX/XX/year> with no response. based on Fair Debt Collection Practices Act ( FDCPA ), I believe it is my right to request verification of debt being reported on my Credit Report that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/year>, a request for verification of debt was sent certified mail to Westlake and there has been no response or action to remove the negative item from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My automatic payment did not clear my account. I received a message from PayPal stating my payment did not clear my account, make a payment now. Which I did. PayPal then reran the first payment again. Which resulted in two payments of {$97.00} paid to PayPal. When I asked for a refund on the payment I made of {$97.00}. I was told they could send me a paper check in 2 to 3 weeks which is unacceptable.

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
LEGAL BASIS This account constitutes identity theft under federal law, including but not limited to : 15 U.S.C. S 1681c-2 ( FCRA - Identity Theft Block ) 15 U.S.C. $ 1681b ( No Permissible Purpose ) 15 U.S.C. $ 1681s-2 ( a ) ( 1 ) ( A ) - Furnishing inaccurate information 18 U.S.C. $ 1028- Identity Theft FDCPA {$800.00} ( c ) - Cease communication upon written notice You are legally required to block and remove fraudulent information once notified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the handling of my account and the resulting interest accrual. Since XXXX, following a letter of garnishment, I have made repeated, good-faith efforts to enroll in an Income-Driven Repayment ( IDR ) plan.

Despite submitting applications as early as XXXX, my requests were not properly finalized. Instead, my accounts were repeatedly placed into forbearance or deferment without my explicit request for those specific long-term options. This has led to several significant issues : Financial Hardship : The reliance on forbearance has caused massive interest capitalization. I am now being told I must pay nearly {$900.00} in interest alone to move forwarda sum that is impossible given my current income and household size.

Credit Impact : My credit score is now being negatively affected by the prolonged " non-payment '' status of these loans, despite my attempts to enter an active repayment plan years ago. 

Failure to Process : I am requesting a review of my account history to identify why my IDR applications from XXXX onwards were closed or diverted into forbearance rather than being approved based on my financial eligibility at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: Chime Financial Inc
State: KS

Complaint narrative:
Disputed claim on XX/XX/XXXX and the amount of $ {$1400.00} Disputed claim on XX/XX/XXXX for the amount of {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They called me several times asking me about paying this debt. The amount of this debt was XXXX  they contact me saying I owe XXXX. I asked them to stop contacting me by phone but they continue contacting me by phone. Also Ive asked them to send me whatever paperwork they have so I can respond to it in writing. They have failed to do that. These people called me every day of the week so I never had a chance to dispute anything theyre claiming also theyre reporting a bunch of negativity on my consumer report and is hiding an impact in my ability to achieve certain things.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: Nationwide Capital Services, LLC
State: TN

Complaint narrative:
This company has called me at least XXXX times with different phone numbers located in XXXX  and small towns. They leave in XXXX number to return the call when you do return the call they yell at you. Theyre very abusive they threaten you they threatened to go to their Board of Directors. They scream at you and they will give you no information.

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 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
I am a victim of identity theft following a vehicle theft in which my wallet and personal identifying information were stolen. After this incident, unauthorized charges were made to a XXXX XXXX account or credit card that I did not make or authorize. 

I did not apply for, authorize, or benefit from this account or the charges associated with it. I reported the fraud upon discovery. 

I have filed an official FTC Identity Theft Report ( Report # XXXX ). All disputed charges are related to this same identity theft incident. Despite this, XXXX XXXX has failed to properly resolve the fraud and continues to associate me with unauthorized charges, fees, or balances. 

I dispute this account and all related charges in their entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NM

Complaint narrative:
b'I have contacted aidvantage several times by phone and they are unable to tell me when the overpayment will be dispersed. I also contacted them on their chat capability online and theyre unable to tell me the status of the overpayment these loans were paid off on XXXX XXXX and its been over XXXX XXXX weeks and I still dont have the overpayment.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
On XX/XX/year> I was the victim of a sophisticated phone scam involving AI voice impersonation. An individual called me using the voice of a well-known male personality from XXXX, a local radio station, which made the call appear legitimate and trustworthy. 

During the call, I was told that my business had been selected for a radio commercial opportunity to advertise my esthetics business and that in order for the commercial to be released and aired, I needed to pay royalty fees as well as a donation. The caller spoke professionally and convincingly, consistent with someone who works in radio broadcasting. I also was given their number to do it through XXXX at first and the persons name was XXXX XXXX. 

I remained on the phone for an extended period of time. During this call : I was instructed to record a commercial I was walked through the entire process as if the advertisement were actually being produced I was led to believe the commercial would be played live on the radio I was even told to listen to the radio station in anticipation of it airing Because of the realism of the interaction, the use of a familiar public voice, and the detailed steps involved, I believed this was a legitimate business opportunity. I then sent a payment totaling {$230.00}. 

After the call ended and the commercial never aired, I became suspicious. I searched the phone number used to contact me and immediately found results indicating the number was associated with a known scam. At that point, I realized I had been defrauded. 

I reported the incident to my bank promptly and explained in detail how the fraud occurred. Despite this, my claim was closed as no error solely because the transaction was marked as authorized. The bank did not request or review any supporting documentation, including call logs, text messages, or proof that the number used was publicly flagged as a scam. 

The payment was authorized under false and fraudulent circumstances, and I am requesting that this be treated as a fraud claim and properly investigated.

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Harris and Harris Limited has been calling me and they refuse to tell me who they are collecting money for. They have not sent me a letter on this matter either. This company needs to cease collections immediately and if they continue to harrass me when I owe no debt then they will have a lawsuit filed against them. They failed to provide any proof of any debt.

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 2026-01-27 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: TX

Complaint narrative:
ICS is trying to collect money and they have been advised to remove this account from my account. I have never recevied a bill from them.

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 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
On XX/XX/year>, I went to XXXX XXXX XXXX to sign up for a monthly gym membership. I was misled into signing a separate personal training agreement on a tablet without being clearly told it was a XXXX financial contract or informed of my right to cancel. 

I was not told about any cancellation rights and was later told by XXXX staff that I could not cancel. When I realized what I had been charged, I attempted to cancel, but XXXX ignored my calls and refused to allow cancellation. 

XXXX attempted to draft money from my bank account. I had to dispute the charge with my bank, which blocked/reversed the payment. 

Despite this dispute and the contract being legally defective due to failure to disclose cancellation rights, the account was sent to a debt collector, Aldous & Associates, for approximately {$1000.00}. 

I disputed the debt with the collection agency and requested validation, but the collector has continued collection efforts instead of resolving the dispute or returning the account to XXXX. 

This is an attempt to collect a debt that is not legally owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
Loan was paid off on XXXX XXXX XXXX XX/XX/year> for the amount of XXXX on Account * * * * * * * * * * I never received title despite asking for it repeatedly for over since XX/XX/year>. 

Spoke With XXXX ID XXXX at Toyota Financial Services and she conceded that the loan was paid off in full on the above date and the status was still " processing. '' She followed up on the title. 

XXXX said there would be no email or phone follow up and it would take at least XXXX business days and it would be " reflected on the account ' ( whatever that means. ). I asked XXXX to provide me with a supervisor as well, and told her I am in the process of filing with the CFPB. XXXX was cordial, so I do not blame her, I think this is a systemic problem with the Toyota Financial Services who are breaking a number of regulations in asset back consumer financing.

Company response to consumer: Closed with explanation