vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2026, I booked a stay at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) through Chase XXXX using Ultimate Rewards points, with a total redemption value of approximately {$5500.00} ( Trip ID : XXXX ). Prior to arrival, Chase acknowledged a room type misrepresentation in their listing and added a second room to correct it. During the stay, we experienced significant and ongoing failures including prolonged loss of air conditioning, multi-day power outages requiring generator operation, elevator failures including a safety incident, and an XXXX XXXX with unauthorized maintenance entry. We remained at the property because hotel staff repeatedly assured us issues would be resolved the following day, which did not occur until the final day of our stay. Through my direct and persistent coordination with hotel management documented via text and email I secured a XXXX refund for both rooms. The XXXX confirmed that approximately {$9000.00} was refunded to Chase as the original form of payment. I have only received approximately {$2200.00} in points back, leaving an unreconciled difference of approximately {$6800.00}. I have made multiple attempts to resolve this with Chase since XX/XX/2026, including phone calls with XXXX representatives and emails to the XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2026. None of my written communications received a written response. By phone, I received inconsistent and contradictory information. Chase 's stated position is that the refund was used to offset their internal cost of correcting the original booking error a cost that resulted from their own misrepresentation, not mine. On XX/XX/2026, Chase XXXX XXXX XXXX acknowledged my complaint under case number XXXX but has provided no further update or resolution. What I am requesting : Return of approximately {$6800.00} in Ultimate Rewards points the unreconciled portion of the hotel refund that Chase received but has not passed through to me. I am not requesting anything beyond what was already refunded by the hotel on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I requested clear and complete information regarding the status of my loan modification application. Specifically, I asked my mortgage servicer to provide : * Confirmation of whether my loan modification file has been submitted to FHA * The exact date my file was submitted to FHA for review * Any FHA case number, claim number, or reference ID associated with my application * A current and accurate status of my loan modification review * A final decision ( approval or denial ), or a clear timeline for when a decision will be made * Clarification on whether any documents or information are still missing from my application * Confirmation of whether my loan is currently in foreclosure review or if a foreclosure sale has been scheduled My application was marked complete on XX/XX/year>, and despite repeated requests, my servicer has not provided this information and continues to state only that they are waiting on FHA without any supporting details. I have called every month and even the same response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am XXXX XXXX, joint account holder, legal caretaker, and fiduciary for my father, XXXX XXXX, a United States XXXX veteran who served during the XXXX XXXX XXXX. My father receives a monthly VA XXXX benefit of approximately {$2300.00} via ACH direct deposit. I'm filing this complaint because Wells Fargo Bank unilaterally disrupted my father 's XXXX benefit payments, failed to notify either account holder, and has left a XXXX XXXX XXXX veteran and his caregiver without XXXX months of income totaling approximately {$4.00}, 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 2026-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I entered into a verbal agreement with XXXX XXXX XXXX for a premium hospitality and advertising package during the XXXX XXXX XXXX XXXX at XXXX XXXX. The agreement included a branded space, advertising exposure through rollover banners, and related marketing benefits. I proceeded with multiple payments across different credit card accounts based on these representations. While the services initially began, the merchant removed the approved advertising banners after the second event without justification. This action eliminated the primary purpose of the purchase, which was brand exposure. I attempted to resolve the issue directly with the merchant, but no refund, credit, or corrective action was provided. I then disputed the charges with my financial institutions, including XXXX, Capital One, and XXXX XXXX XXXX XXXX. However, the disputes were denied or not properly investigated. The institutions failed to clearly explain their decisions or identify what documentation was missing. As a result, I am seeking a full reversal of the charges because the services were not rendered as described and the core value of the transaction was not delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Louisiana Recovery Services Inc.
State: TX

Complaint narrative:
A collection account from Louisiana Recovery Services is appearing on my credit report for a medical debt in the amount of {$200.00}. This account does not belong to me. This appears to be a mixed file or identity issue involving another individual with the same name and date of birth, reportedly in XXXX XXXX. I have never received this medical service and have no connection to this account. On a phone call today ( XX/XX/year> ), I spoke with a representative who acknowledged that the account may not belong to me. However, I was told that because the account appears on my credit report, I am still required to pay it. This is a false and misleading statement. I have disputed this account and requested validation. No documentation has been provided showing that I am the responsible party. Additionally, the attached credit report shows that the collection agency is listed as both the original creditor and the collector, and no actual medical provider is identified. This raises serious concerns about the accuracy and validity of this account. I am requesting that this account be removed from my credit report immediately and that all collection activity cease unless proper verification can be provided.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Identity Theft, Data Breach Exposure, and Request for Immediate Correction of Inaccurate Credit Information I am submitting this complaint to the Consumer Financial Protection Bureau regarding identity theft and the presence of inaccurate, unverifiable, and unauthorized information on my consumer credit profile. I recently received alerts indicating that my personal information was exposed in a data breach. After reviewing my consumer credit reports, I discovered multiple accounts, names, addresses, phone numbers, collections, late payments, and derogatory marks that I do not recognize, did not authorize, and have no knowledge of. Based on my review, I believe I am a victim of identity theft and that my consumer file has been compromised with fraudulent and inaccurate data. Specifically, my credit profile contains : Unauthorized accounts and collections not opened or approved by me Inaccurate personal identifying information ( names, addresses, phone numbers ) Late payments, charge-offs, and derogatory marks that do not belong to me Entries that are unverifiable and can not be legitimately confirmed as mine

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
We had a check bounced back twice. We called in several times to customer service. They didnt let us know that they resubmit items that caused my wife, XXXX and myself XXXX XXXX have over {$210.00} in fees when I spoke to XXXX XXXX check administrative supervisor she stated theyre not gon na do any favors for us anymore. And I wasnt asking for any favors, I was asking for advice or counseling via how these transactions go. We both have credit cards with them and a checking account and an overdraft account with them. We pay over some months {$350.00} in interest and now were being told that our issues are not gon na be tended to anymore and theyre not gon na do us any according to their words favors or service service us properly anymore which makes no sense to us because we use these credit cards. My own XXXX XXXX check comes into their account and now I think I have to look for another credit union because theyre all being extremely unkind to myself and my wife in a XXXX week. Period.

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 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Reported on my credit report as {$700.00} something dollars yet sends letters stating over {$1000.00} owed this should have been removed from my credit report long ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am filing a new complaint regarding continued attempts to collect and report an unverified and inaccurate debt. This account was previously reported as a duplicate across credit bureaus, and one duplicate has already been removed, confirming inaccurate reporting. Despite multiple disputes and a second formal validation request sent on XX/XX/2026, the company has failed to provide sufficient documentation establishing that I am legally responsible for this debt. The company instructed me to contact them directly, which I did, but I have received no response or validation. The account continues to be reported without proper verification. This is a violation of the Fair Credit Reporting Act, as the information being reported is inaccurate and unverified. I am requesting immediate deletion of this account from all credit reporting agencies unless full and proper validation can be provided.

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 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/year> I contacted Chase Auto Loan to request deferment due to being placed on Short Term Disability - ADA. I was informed that deferment can not be approved until my XXXX date was confirmed. XX/XX/year> I contacted Chase Auto Loan with the confirmed date of XX/XX/year> for XXXX and time frame of deferment for XX/XX/year> till XX/XX/year>. This has been denied due to this being over the 2 month period. I requested the 2 month only at this time, this was also denied due to my income being reduced to 60 % for being on ADA. Requested escalation, was informed that the deferment offered by Chase is only a courtesy. The request is denied due to : XXXX. The length requested XXXX. The ( XXXX ) month deferment denied due to the temporary reduction in pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
I have no idea what the debt is. I just got on to my XXXX account and saw that they had put something on my credit report and there's absolutely no way I owe that much money to anybody that I am aware of whatsoever

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: NC

Complaint narrative:
I have gotten 17 calls in 6 days. I have contacted company and asked them to stop. I sent a email letting them know that I would file a complaint about the calls. I have asked them to cease and desist on the calls and contact me by mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
Credit Collection XXXX. was sent a debt validation letter on XXXX XXXX XXXX and they returned the Green signed receipt. The have had over 30 days per the FCRA and have not provided me with any debt validation for the alleged debt. Per FCRA failure to validate debts makes the debt invalid and per the FCRA you are not allowed to report invalid information to anyone 's credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I request a full investigation under the Fair Credit Reporting Act. I am challenging the completeness and accuracy of these accounts. Please provide verification showing : - Proof of ownership and assignment - Full chain of custody from original creditor- Original signed contract or agreement - Accurate balance validation - Documentation used to verify reporting If these accounts can not be fully verified as accurate, they must be removed immediately from my credit file. Please provide written results of your investigation. Sincerely, XXXX 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 2026-05-04 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: OH

Complaint narrative:
I am submitting this complaint regarding a mishandled billing dispute on my Citibank credit card involving a transaction of {$1600.00} dated XX/XX/year>, for a purchase made through XXXX. I initially filed a dispute through XXXX, and XXXX indicated that a refund would be issued. However, I did not receive the refund. As a result, I filed a dispute with Citibank on XX/XX/year>. On XX/XX/year>, after speaking with XXXX and learning that they had closed my case because I opened a credit card dispute, I contacted Citibank for guidance. During that call, I was explicitly told by a Citibank representative that I could close my dispute and 100 % reopen it later if XXXX did not issue the refund. Relying on this representation, I closed my dispute. However, when I later attempted to reopen or continue the dispute, I was informed by multiple Citibank representatives that the case could not be reopened once closed. I was told that their investigators are unable to reinitiate the dispute. As a result, I have been left without any resolution : * I have not received the product refund from XXXX * I have not received any credit from Citibank * I relied on incorrect and misleading guidance from a Citibank representative, which directly caused my inability to pursue my dispute Additionally, I was told by a Citibank representative that if the dispute did not resolve in my favor, I would receive a refund of any interest charges related to the transaction. However, when I contacted Citibank on XX/XX/year>, I was told that I must first pay off the full balance and only then seek reimbursement for interest, which contradicts prior guidance. Further, I was informed on XX/XX/year>, that my dispute was under review. The Citibank XXXX XXXX has continued to show the matter as open. However, when I called on XX/XX/year>, I was told that the dispute had been closed, with no resolution or notification provided to me. I made all decisions in good faith based on Citibanks instructions. The incorrect guidance I received directly resulted in my loss of access to dispute protections. * * Requested Resolution : * * I am requesting that Citibank : 1. Provide a refund or provisional credit if the claim is validated 2. Refund any interest charges associated with this transaction without requiring full balance payoff first I also request that Citibank review the inaccurate and inconsistent guidance provided by its representatives to prevent similar issues for other customers. Thank you for your attention to this matter.

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I tried to withdraw money from my bank account multiple times from an ATM in the month of XX/XX/XXXX. It was not working, so upon asking someone when calling the bank, they informed me over the phone that the account had a levy on it from an attorney. They gave me the name of the attorney as well as the number to contact them. I contacted the attorney on XX/XX/XXXX regarding the hold on the checking account. They said that the account in question was not the account they had intended to put on hold, however I only have 1 bank account with this company. They then asked for 3 months bank statements ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to confirm whether the account status and reasoning for the hold. After sending the bank statements in XX/XX/XXXX, the attorney confirmed that the levy does not belong on the account since the only money going into the account are : Social Security Administration ( SSA ) Benefits. Due to the nature of the levy, SSA benefits can not be garnished. There are no other deposits going in. On XX/XX/XXXX, the attorney sent a fax as well as an email on the XXXX of XX/XX/XXXX to the banks levy department for the release on the account. The bank 's levy department has not been able to confirm receiving it as no one has responded to any form of contact. Furthermore, I have tried reaching the levy department multiple times on the phone for the past Month. The first call was on XX/XX/XXXX, a nd there have been multiple calls a week to them since then, every call has resulted in multiple hours on hold directly after dialing. The lines can not be busy as I have even attempted to call the levy department within the minute of the department opening. Calling the bank has not resulted in any progress as they are not able to reach the levy department as well via phone call and internal emails. They have stated that they should receive a response to their emails within 2 to 3 business days from the levy department, but that time has passed multiple times. The issue has persisted for 3 months with no resolution Please contact me to discuss further regarding the company in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: GREENSKY OPERATIONS, LLC
State: TX

Complaint narrative:
I was solicited to use Green Sky to fund loan to repair my windows. The company never repaired my windows. They didnt install new windows. This loan should have been refunded, but I have been paying on it ever since with no service provided. I am older and was taken advantage of this. Feels like elderly abuse.

Company response to consumer: Closed with explanation