vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear CFPB - I am filing this complaint regarding a prolonged and unresolved account restriction/levy placed on my Capital One account. This matter stems from a levy associated with a debt owed to XXXX XXXX, which has since been fully settled and paid on XX/XX/year>. Despite resolution of this obligation, my funds have remained restricted and/or inaccessible for over a month. The approximate amount currently restricted is {$13000.00}, and the issue began on or around XX/XX/year>. I have made multiple attempts to contact Capital One to : 1. Confirm receipt of the levy release or settlement notice 2. Understand the current status of the restriction 3. Obtain a clear timeline for when access to my funds will be restored To date, I have not received consistent or actionable information. I have been transferred between departments, provided conflicting responses, and no representative has taken ownership of resolving the issue. Additionally, a separate Capital One account belonging to my mother, who is in good standing and not associated with this obligation- was also restricted or impacted. This suggests a broader processing or account-handling failure. This situation has materially impacted my ability to access my funds and manage day-to-day financial obligations. * * Requested Resolution : * * * Immediate confirmation that the levy release has been received and processed * Immediate removal of all account restrictions * Full restoration of access to my funds * A clear explanation for the delay and steps taken to prevent recurrence I have attached documentation confirming settlement of the debt and related correspondence. Given the duration and lack of resolution, I am requesting urgent attention. Many thanks, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding serious concerns about the handling of my personal and financial information by Santander XXXX USA. A representative of Santander disclosed details about my auto loan account to a third party during a verification process. The information shared included the status of my account, which directly impacted me and was later found to be inconsistent with written documentation I had previously received. Additionally, I have identified a significant security concern with Santanders automated system. Sensitive account information can be accessed using minimal verification, including only my year of birth and basic vehicle information ( year, make, and model ). This level of authentication is insufficient to protect consumer financial data and creates a serious risk of unauthorized access. As a result of the conflicting information provided and the disclosure of my account details, I experienced significant personal and professional harm. I relied on written communication from Santander in good faith, and the contradictory information provided to a third party contributed to adverse actions taken against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: LA

Complaint narrative:
I was told by a supervisor named XXXX on ( XX/XX/year> ) that I should have called them before attempting to make a purchase with XXXX, this was not a reasonable response because I did call after the first decline and was told by a representative with the company that I needed to wait an hour before using, which is exactly what I did. There is nowhere on their site about merchants that do not accept their cards nor was I ever told about any specific companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: CITIBANK, N.A.
State: TX

Complaint narrative:
This complaint is about Citibanks inconsistent handling of XXXX identical disputes from the same transaction with the same merchant, XXXX XXXX, on XX/XX/XXXX. The purchase was split into XXXX charges : {$600.00} ( approved by Citibank ) {$420.00} ( denied by Citibank ) Both charges are part of the same transaction, same merchant, same date, same product, and same evidence. The merchant advertised XXXX XXXX XXXX XXXX tickets but delivered only a PDF ticket via email. This is not a valid ticket. I provided evidence including XXXX official ticket delivery policy, which states that XXXX XXXX XXXX XXXX tickets are mobile-only and not delivered via email or PDF. This directly contradicts the merchants delivery method. Citibank reviewed the {$600.00} charge and determined it was misrepresentation/not as described, and approved the dispute. However, Citibank denied the {$420.00} charge despite identical circumstances, identical evidence, and identical delivery. I requested reconsideration and submitted additional evidence, but Citibank has not provided a clear explanation for the inconsistent outcome or addressed the evidence provided. I am requesting that Citibank reopen and properly review the denied charge and apply consistent dispute resolution across both transactions.

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 2026-04-27 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: CrossCountry Mortgage LLC
State: NH

Complaint narrative:
Short sale request was submitted XX/XX/year>. Multiple document submissions request over the last XXXX months, The XXXX XXXX was issued on XX/XX/year> however it was not provided to me untill XX/XX/year>. I am now being told it will take another 15 days to move forward with final approval due to an FHA rule, that rule does not exist. Also, my loan is serviced by Cross Country Mortgage however I recently learned that the negotiator for Cross Country actually works for XXXX XXXX I was never told of a servicing transfer or was XXXX XXXX involvement in the review of my personal information ever disclosed to me. Over XXXX months has passed and I am still no final decision even with the XXXX XXXX in hand. I do not even know who has all my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, my Coinbase account was compromised without my authorization. Shortly after the unauthorized access, a withdrawal of {$16000.00} was initiated from my account to prepaid debit accounts associated with XXXX XXXX XXXXXXXX, which I do not own or control. I discovered the unauthorized activity within approximately XXXX hour and immediately took action to secure my account by locking access and contacting Coinbase support. At the time I reported the incident, the withdrawal was still marked as pending, and I explicitly informed Coinbase that the transaction was unauthorized and requested that it be canceled before completion. Despite my prompt report and the transaction still being in a pending state, Coinbase did not stop or reverse the withdrawal. The transaction subsequently completed, and the funds were transferred out of my account. This was clearly an unauthorized transaction resulting from account compromise. I took immediate steps to mitigate the loss and notified Coinbase as soon as possible, while there was still an opportunity to intervene. However, Coinbase failed to prevent the completion of the unauthorized withdrawal. I am requesting that Coinbase conduct a full fraud investigation and reimburse the {$16000.00} that was taken from my account without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified information being reported on my credit report. On or around XX/XX/XXXX I sent a written request for validation of this debt, including the method of verification. The company received my request but did not provide proper validation. I did not receive a signed agreement, proof that I am legally obligated to the debt, or documentation showing how the account was verified. Despite this, the account continues to be reported on my credit report. Additionally, this account is not being reported consistently across all credit bureaus, as it does not appear on XX/XX/XXXX but continues to be reported on XX/XX/XXXX. This does not meet the requirements of the Fair Credit Reporting Act. I am requesting that this account be removed from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Allowing an unauthorized charge of {$49.00} that posted XX/XX/year> stand after showing proof that I did not authorize the purchase & cancelled subscription and still allowed the chargers to stand.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Guglielmo and Associates
State: AZ

Complaint narrative:
I settled my debt with the firm 's client, XXXXXXXX XXXX, through Guglielmo & Associates on XX/XX/year>, by paying {$2100.00} ( Confirmation # XXXX ). I have repeatedly contacted the firm to obtain a final settlement letter and to ensure they notify the credit bureaus. Instead of providing the required documentation or updating my account to a {$0.00} balance, the firm provided generic automated responses and failed to correct the reporting. As of XX/XX/year>, my credit report still inaccurately reflects a balance of {$2800.00} and a XXXXCharge Off ' status, causing ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CHERRY TECHNOLOGIES INC.
State: TX

Complaint narrative:
I went to an XXXX XXXX for a face treatment that they posted on XXXX XXXX for XXXX dollar and I payed for it. Then they offered another treatment in which I agreed and signed a contract with them. On the second treatment next day I woke up with a very bad reaction on my face. I sent pictures of the rash and redness to them and explained them That I did not wanted the treatment anymore do to the heath issue. They canceled my treatment. But did not cancel my loan with Cherry loan. So a file a dispute with Cherry ; I sent pictures of my face and informed them that the clinic had canceled all my treatments. And sent their text messages showing the cancellation too. XXXX they still charging me for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Complaint Title : Identity Theft XXXX Fraudulent Chase Credit Card Accounts Not Corrected After FTC Report Complaint Narrative : I am a victim of identity theft and have submitted an official FTC Identity Theft Report regarding XXXX fraudulent credit card accounts opened in my name without my knowledge or authorization. The fraudulent accounts are as follows : XXXX {$15000.00}, charged-off/delinquent XXXX {$15000.00}, charged-off/delinquent Combined fraudulent balance : {$30000.00} I did not open these accounts, authorize anyone to open them, or benefit from them in any way. I became aware of them only when they appeared on my credit report. I submitted a formal fraud dispute with supporting documentation directly to XXXX. XXXX completed an internal investigation and incorrectly determined that I am responsible for both debts. Their denial was communicated to me verbally by phone and in writing, however I no longer have copies of those communications in my possession. I am requesting CFPB assistance because : XXXX has refused to correct XXXX fraudulent accounts following proper identity theft reporting Both accounts continue to be reported negatively on my credit file I have fully complied with all federal identity theft reporting requirements The pattern of XXXX separate fraudulent accounts at the same institution suggests a serious and targeted compromise of my personal information I have also submitted an FCRA 605B block request to all three major credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: WA

Complaint narrative:
On XX/XX/year>, I initiated a remittance transfer of {$1400.00} USD ( total {$1500.00} including fees ) to my beneficiary in XXXX using the Abound app ( Transaction ID XXXX ). Abound received the funds on XX/XX/year>. However, as of XX/XX/year> ( 18 days later ), the transaction is still stuck in Transferring to XXXX/ Awaiting Delivery to Recipient status. The app only shows a generic message : Transfer delayed, but no cause for concern. YOUR MONEY IS SAFE & SECURE. This has been escalated internally I have sent a stern message through the app demanding immediate resolution, but there has been no response. This appears to be a systemic pattern of misleading status updates and failure to deliver funds in a timely manner. I request full investigation and immediate correction of this remittance transfer error under the Remittance Transfer Rule, including delivery of the full amount or full refund plus any applicable compensation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Requested a payoff statement on XX/XX/XXXX, good through XX/XX/XXXX XXXX. {$140000.00} My name is XXXX XXXXXXXX XXXX company is XXXX, Aliases ( Ocwen, Phh, XXXX ) loan # XXXX Property closed XX/XX/year>. XXXX. {$140000.00} wired to Phh mortgage on XX/XX/year> Closing Attorney XXXX. XX/XX/XXXX received call that the amount was {$140000.00} as of XX/XX/XXXX stating a payoff statement was requested on XXXX XXXX no one requested a statement after the XXXX of XXXX. XXXX. I XXXX XXXX sent a letter requesting PHH honors the payoff statement as of XX/XX/XXXX. XXXX followed up on my letter on XX/XX/XXXX. XXXX followed up on XX/XX/XXXX and was told a new payoff statement valid through XX/XX/XXXX, of {$140000.00} is the payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting by Hyundai XXXX XXXX related to a lease-end balance. I was a Hyundai customer for over XXXX consecutive years, leasing multiple vehicles and maintaining a perfect payment history throughout all active lease terms. At the conclusion of my lease in XXXX, I received a lease-end statement reflecting a total balance of {$940.00}, which included various final charges. This was a one-time lease-end reconciliation amount and not part of any scheduled monthly payment obligation. A portion of this balance ( approximately {$100.00} ) related to excess wear and tear. I believed this charge was covered under a damage waiver I had purchased. Once it was clarified that the waiver did not apply, I paid the outstanding balance. There was no refusal to pay, only a misunderstanding regarding coverage. Despite this, Hyundai XXXX XXXX reported this obligation in a manner that significantly damaged my credit score ( approximately a XXXX decrease ), treating it as a delinquent account. This reporting is misleading and inaccurate because : The amount was part of a one-time lease-end balance, not a missed or late scheduled payment It does not reflect ongoing credit behavior or failure to meet payment obligations The balance was resolved once clarified The account otherwise reflects a long history of on-time payments After discovering the negative reporting, I contacted the company and requested a review and correction of what I believe to be inaccurately characterized credit reporting. The company responded that courtesy removals are not within their policy but did not address whether the reporting itself was accurate. I am requesting that the company correct or remove any reporting that inaccurately characterizes this lease-end balance as a delinquent account. If the company is unable to accurately reflect the nature of this obligation, I request that it be removed entirely from my credit report and corrected with all credit reporting agencies. I have documentation supporting the lease-end statement and payment of the balance.

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 2026-04-27 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: IL

Complaint narrative:
On XX/XX/year> I sent over {$1300.00} to XXXX XXXX for a rent payment on chime. At the time, XXXX did not have a chime account so he essentially had to create a chime account with the email of the money that I sent to him through chime. I sent the money to XXXX and as soon as I sent it, I received a notification saying it was sent but to a XXXX. As soon as I saw this, I contacted chime customer support to let them know I just sent {$1300.00} to XXXX XXXX XXXXXXXX and it is showing that it was sent to a XXXX, I was told that I sent the money to XXXX and that I had no problem but if an issue was to occur to contact back. I myself as well as XXXX contacted chime to let them know he did not receive payment. He received an email actually stating that I sent him {$1300.00} for rent, but it showed a XXXX. Upon logging into the account essentially creating the account he was able to get inside and see that there was no money ever sent to the account nor had there ever been any money coming out of the account. I contact the chime again for a dispute and let them know that there is no money in the account. There was no money ever taken it out of the account and where my money was. Only to not get a response back or hear anything back from chime until they. They finally told me that they denied my dispute. XXXX has still yet to receive this money and that money is still not in the account.

Company response to consumer: Closed with explanation