vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
TRANSWORLD SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD SYSTEM INC 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing this complaint regarding improper fees and charges assessed against my mortgage account as a direct result of advice provided by a Fifth Third Bank representative. In XX/XX/year>, I was approved for a Trial Period Plan on my mortgage account. On XX/XX/year>, I spoke with Fifth Third 's XXXX XXXX representative XXXX XXXX, who advised me that the most efficient path to a short sale was to not make the Trial Period Plan payments, as non-payment would open liquidation options including short sale. I relied on that guidance and did not make the payments. Following my non-payment, Fifth Third referred my loan to foreclosure. That foreclosure referral directly triggered the following charges that did not exist prior to the referral and would not exist but for XXXX XXXX 's advice : Past due escrow and credit insurance : {$1900.00} Fees and costs currently assessed : {$1500.00} Outstanding attorney fees and costs : {$370.00} Late charges : {$230.00} Past due escrow impound required ( per payoff letter ) : {$4800.00} Total charges attributable to following Fifth Third 's own advice : approximately {$8800.00} above principal and accrued interest. Fifth Third has now issued both a payoff letter and a reinstatement letter dated XX/XX/year>, both of which incorporate these charges without acknowledgment that they were generated by its own representative 's advice. I previously filed CFPB Complaint No. XXXX on XX/XX/year> regarding Fifth Third 's refusal to provide a payoff statement for a closing scheduled that day. Fifth Third 's response from its Office of the President, dated XX/XX/year> and signed by XXXX XXXX, acknowledged receipt of the payoff request on XX/XX/XXXX and confirmed a five-business-day turnaround due to foreclosure processing. That response did not address the fees at issue in this complaint, nor did it address XXXX XXXXXXXX XXXX XX/XX/XXXX advice and its consequences. Fifth Third can not advise a borrower to take an action, allow that action to trigger a foreclosure referral and associated charges, and then bill the borrower for the full cost of those consequences. This constitutes negligent misrepresentation and estoppel under applicable law. I am requesting that the CFPB require Fifth Third to waive all fees and charges generated on or after the foreclosure referral, including the escrow, attorney, and assessed cost charges identified above, and to acknowledge that these charges resulted from advice provided by its own representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Class AMC Intermediate
State: TX

Complaint narrative:
Class XXXX violates a formed contracts with mutual assent and consideration already paid in full, with deceptive practices intending to charge additional amounts not accepted by the offeree, as needed on both common law and XXXX after the payment. This is a form of deceptive practice, or fraudulent intent, which will be pursued civilly and criminally as needed if the appraisal is not performed this Saturday XXXX at XXXX XXXX, and any costs and delays will be added. Basics of contract law violated by fraudulent appraisers. Any deviation to the real value of the market, as we have with an authorized appraiser, will be reported and objected. Due to this illegal practices intended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
In late XXXX, I noticed my credit card bill was extremely high. I checked my statement and found many transactions that were not mine. Someone had made major purchases at XXXX in XXXX XXXX XXXX, which I have never shopped at in the last 25 years, and spent over {$800.00} there. They also made purchases at XXXX and a few other places on their fraudulent shopping spree. When I found these charges, I immediately called and notified Barclays Bank, and they canceled my card and sent me a new one. Later, in XXXX sometime, they determined that these were my charges, even though they are not mine, not authorized, and not made by anyone known to me. They determined that since a chip was used, they would be considered my charges. I need help resolving this matter. I should not be responsible for someone stealing my credit card details/information and going shopping with that. It is a criminal activity and they should check the cameras.

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
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX I sent an electronic payment to my Pottery Barn credit card ( Capital One ) in the amount of {$2000.00}. The problem was that I accidentally put the wrong credit card number for the payment. The payment went through to XXXX with no errors and the amount was taken out of my XXXX bank account. In XX/XX/XXXX I receive a statement from XXXX and they said they didn't receive my payment. I called them and submitted an investigation. I received an email from XXXX on XX/XX/XXXX saying they received my payment. Then in XX/XX/XXXX, XXXX said they never received my payment. I filed another investigation with XXXX and I went to XXXX bank and they worked with XXXX to find the payment. It was " found '' and I again received a statement from XXXX saying they received my payment. Now XX/XX/XXXX, I got another letter from XXXX that says, " Notice of Right to Cure Default ''. They are still saying I owe them {$2000.00} and that they never received my payment. I have sent them all the paperwork : XXXX bank statements, their emails to me saying they received payments, and I don't know what else they need to prove my bank made the payment on XX/XX/XXXX in the amount of {$2000.00}. On XX/XX/XXXX, I again called XXXX credit card and submitted another investigation. However, I don't know how else I can prove that I paid. I have already sent them what they requested. I want help proving I paid and I want them to mark it paid on their books. I want them to remove any incorrectly submitted credit reports to the major credit bureaus that would affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYSTis 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
The Issue : I presented a check from XXXX XXXX XXXX XXXX for an auto loan refinance. I explicitly informed the teller that the check required my signature and endorsement. Despite asking twice, the teller refused to allow me to sign, stating it was unnecessary. This was a direct failure of banking protocol. I was asked by XXXX XXXX to have them provide me with a " Substitute Check '' or a legal image of the check if they can. While they told me they " don't do that, '' many banks can actually print a " Legal Copy '' ( also known as an IRDImage Replacement Document ) which can sometimes be re-processed. But they insist on mailing the original back, and expedite it overnight but they said sometime next week. The Consequence : The check was returned unpaid for " Missing Endorsement. '' This has resulted in a reversed deposit, likely returned item fees, and has prevented me from making my auto loan payment on time due tomorrow just causing a chain of negative events.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
CAINE & WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE & WEINER 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I received a truist check {$40000.00} from my XXXX XXXX I sold. I could not deposit mobile deposit of that amount to my banks which were online banks XXXX XXXX and XXXX XXXX. I didnt have a branch to go to either to deposit. So I went to truist to cash the check since was their check. They said they didnt have the cash to give me and suggested I open an account. I open a checking account by having the bank cash the check and put funds in new account minus {$1000.00} I received in hand. The next day XX/XX/XXXX my funds cleared and I XXXX my mother {$3000.00}. Right after the XXXX Truist closed my account and said it was fraudelent. I have called multiple times and spoke to truist fraud department, followed the instruction from them for contacting XXXX XXXX XXXX alert that they said they got from me after opening the account. I have spoken to multiple bank branch managers to try to help me get my funds released. I have answered all their questions and had to provide paperwork on how I sold my stocks and requested funds to receive the check and answered all their questions as to who I XXXX money to and that I was not sharing my banking info over the phone or online to anyone requesting I send them money. I dont understand why they will not give me my funds.

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 2026-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this complaint regarding a mortgage loan for a residential property in Pennsylvania that is currently being serviced by JPMorgan Chase Bank. The loan has entered foreclosure and I received an Act 91 notice indicating missed payments beginning in XX/XX/year>. A sheriff sale has since been scheduled. After becoming aware of the foreclosure timeline, I contacted the servicer and requested that the sheriff sale be postponed while I work to resolve the loan. I have also submitted a loan modification application and supporting documentation for loss mitigation review. Despite my request and the submission of a loss mitigation application, I was informed that the sale can not or will not be postponed. I am requesting that the servicer review my application and reconsider postponing the foreclosure sale while resolution options are evaluated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
LVNV FUNDING LLC-is falsely reporting on my credit. I have never had any accounts with them. Per my research LVNV FUNDING LLCis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 non-monetary relief
Consumer complaint received 2026-03-05 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: Block, Inc.
State: IN

Complaint narrative:
I gave my card to XXXX XXXX XXXX XXXX who placed a hold authorization against my account for {$340.00} for incidentals. I was there for a XXXX XXXX and the room was already paid for by XXXX. This was XX/XX/XXXX. I checked out XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX then charged my card again for the incidental amount of {$6.00}. As of today, {$340.00} is still being held as a pending charge against my account and in limbo somewhere. I have talked with XXXX XXXX XXXX XXXX who has provided me a XXXX balance receipt, a copy of the authorization charge and a receipt from check out of the {$6.00}. I have supplied all of this to my bank/CashApp. I have called multiple times ( XXXX & XXXX ) all of which go to XXXX, I have asked for US help and was advised they can't do that. They have told me it should fall off in 24-48 business hours, 7-14 Business days ( today is the XXXX and it is still holding funds ), then finally today I was told it can take 30 days and " allow them time for this to resolve. '' I need the funds released back to my account as it is now causing me undue financial hardship. I have had to take loans to cover things due to this issue. And yes, like most Americans now adays, I live paycheck to paycheck. Attached are all the receipts from XXXX along with the email from them confirming the pending auth has been released yet.... here I am, still with {$340.00} in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
I am submitting this complaint to document my extremely negative experience with Chime and the way my account and fraud concerns were handled. I reported unauthorized and fraudulent charges on my account. My dispute was denied, which was very frustrating because I clearly explained that the transactions were not authorized. The way this situation was handled left me with the strong impression that fraud complaints are not taken seriously and that customers are not adequately protected when unauthorized transactions occur. Because of this experience, I decided that I no longer trusted the company and requested that my account be closed. Initially, my request to close the account was not honored, which added to the frustration. I had to make several attempts through customer service before the account was finally closed. During these interactions, I also had significant difficulty communicating with customer service representatives and was unable to get clear answers or effective assistance. I attempted multiple times to resolve the issue and even asked to speak with someone with more authority, but I was unable to reach a supervisor or escalation team that could properly address the situation. The overall experience left me feeling that my concerns about fraudulent activity were not taken seriously and that customer support was not equipped to properly assist customers dealing with fraud issues. I am not requesting any further action regarding my account, as it has now been closed. However, I believe my experience reflects serious issues with how Chime handles fraud reports, customer account closure requests, and customer service communication. I am submitting this complaint so that regulators are aware of these issues and can review whether other customers may be experiencing similar problems

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I initiated a purchase for goods on offer up. Seller requested a transfer to Chime account. I also had Chime so I thought id be an easy transaction, I send money ( {$220.00} ) they send goods. Seller received money, deleted offer up account, and is not responding to text messages regarding the sale. I called bank to advise of the fraud committed and they advised that becuase it was a direct transfer there is nothing they can do about the matter and that I should file a police report but that they couldnt do anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have a fraud alert on all my credit bureaus when it comes to Comenity Bank they are the only credit card company that has issues communicating with me in regards to the number on the fraud alert itself in frustration over the issue I was no nice to the over the phone support due to them not being able to address my concern. So what does the bank do instead of trying to help me they block me from being able to call in regards to my accounts and that isnt right at all and I would like my phone privileges reinstated. I also spoke to XXXX XXXX and they said they do not list phone numbers on the actually reports that they have to use the number listed in the actual fraud alert itself and not look for a number on the report and I think that is what is causing the confusion. I have asked several times for Comenity to contact me but all they ever do is send the same letters that they sent before that doesnt address the concern at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian has been taking money out of my checking account every few months for the amount of XXXX on XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/year> and XXXX XXXX and I have no idea what for. I have tried to log in to my account and its not letting me ; when I try to call the automated system wont give me the option to talk to a representative. I dont understand why Im being charged for something XXXX cant get into and I cant dispute through experian because I cant get into the account.

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