vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
XX/XX/scrub>XXXX {$520.00} See attached text I sell cookies as a part time business. I am having a porch bake sale and I asked some neighbors in our subdivision to be taste testers to get some people to come to my bake sale. Someone named XXXX sent me a text on XXXX and she was interested in my cookies. I had no idea who she was. Anyway I responded to text that Id contact her when samples were ready. So I sent her a message on XXXX letting her know samples were ready and sent her my address. On XXXX she said she wanted to order some cookies. I told her Id need payment and order would be confirmed. I told her I use XXXX and sent my XXXX XXXX XXXX. She said she sent money but nothing was sent. She said XXXX asked her to send them {$500.00} for a deposit since she had a business profile in XXXX. Then she told me to call XXXX. She gave me the phone number to call which was supposed to be XXXX. Some man answered and had me go to my bank and transfer {$500.00} to XXXX. I was all confused because he was going too fast and telling me to do this and then do this. Once it all was done I realized he had me transfer money from cashapp to him and then he told me to hang on and never returned to the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: SC

Complaint narrative:
Last complaint I made was due to the harassment of phone calls by procollect. Those has not stopped. I've gotten three on this past Thursday and two this past Monday. I have yet to get a letter stating they have the legal right to collect this debt. Due to my information being given to them by my old apartment complex. I also did not proceed to tell them my email nor address when I spot with them on the phone. However, was told they would send me a letter. I did get a letter stating they are collecting debt, not any of the information that I requested. I also requested a cease and desist in regards of the nonstop calling and harassment. The only way to contact me is through the mail so I can have documentation. They have yet to do that as well. This is my third complaint.

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 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Byrider Franchising, LLC
State: MD

Complaint narrative:
I am writing to formally express my serious concern regarding an auto loan I have with CNAC ( XXXX ) related to a XXXX vehicle that was recently totaled. Unfortunately, this situation has escalated to a distressing level, and I feel compelled to bring it to your attention. The car was involved in an accident that was not my fault. My insurance provider processed the claim and compensated me for the value of the vehicle. However, they did not cover the remaining balance of the loan, which is approximately {$9000.00}. As a result, this amount is now in collections with CNAC. I find this situation to be not only unfair but potentially unlawful. I believe that this practice may violate consumer protection laws, as I should not be held liable for a debt that arose from an incident beyond my control. I am deeply troubled by this situation and am considering filing lawsuits against the lender if this matter is not resolved swiftly. I believe that CNACs actions are unjust and could be infringing upon my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I had a question about the overdraft coverage/protection options for my checking account with PNC, so I messaged them directly and spoke to someone. I asked, if Im opted out of overdraft coverage and a transaction occurs that is larger than the available amount, my account will not go into negative and will just be denied? And the representative I was speaking to said, Yes, that correct. Keep in mind only checks, ACH debits and recurring debit card charges are not prevented by opting Out. This type of activity could still cause you to overdraw the account and contribute to fees being applied. I doubled checked and asked again and they told me the same thing. Fast forward a week or so later, my account goes into negative- NOT due to a recurring debit card charge, ACH debits, or checks. So I message them asking why my account went into negative, they proceed to say, Upon review, your account is- {$0.00} because of the XXXX transferred that was posted on XX/XX/year> amounting {$2.00}. The transaction still went through even though you're opted out of our overdraft coverage because you are a good customer of pnc. So pnc let you process a transaction even though you don't have enough money to cover it. Which is definitely NOT a valid reason to go against my choice of being opted out of overdraft coverage. PNC went against what I chose and in turn made my account go into negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint against JP Morgan Chase regarding misinformation provided by their customer service representatives that resulted in a direct financial loss of {$350.00}. On XXXX XXXX XXXX, I purchased a XXXX Life annual membership on my Chase Sapphire Reserve card. Because the checkout total came to {$350.00} ( a {$1.00} variance from the {$350.00} promotion threshold ), on XXXX XXXX XXXX I proactively called Chase Customer Support to confirm that this specific transaction would qualify for the promised statement credit. The Chase representative explicitly assured me that the transaction was fully qualified and the credit would post automatically. Relying entirely on Chase 's confirmation, I allowed the standard return window with the merchant ( XXXX ) to expire. When the credit failed to post, I called Chase back. I was told for the first time that it did not qualify, and it was suggested I return and repurchase the itemwhich was now impossible because Chase 's initial misinformation caused me to miss the return deadline. Subsequent promises by Chase staff to issue a marketing exception have now been summarily denied via email, stating " no bank error was identified. '' The bank error is the explicit misinformation provided by Chase 's phone representatives, which prevented me from correcting the transaction before the promotional deadline passed. I paid a premium annual fee for this card precisely for benefits like this. I request that Chase review their phone logs from my account and honor the verbal confirmation given by their team by issuing a one-time statement credit of {$350.00}. I have attached a screenshot of my phone 's call log showing the exact date and time of my initial call so Chase can easily locate and review the recorded conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: IL

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 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am an XXXX recipient with a Social Security Representative Payee. Because of SSA rules, my XXXX benefits are deposited into an account controlled by my payee, and I do not receive bank statements in my own name for those funds. This is a federal requirement, not a personal choice. Capital One is requiring me to provide bank statements in my own name to verify income, even though such statements can not exist due to my Representative Payee status. I provided my XXXX Award Letter and Social Security Status Information Letter, which are the only federal documents that verify my XXXX income. Multiple Capital One departments including Fraud, Complaints, and supervisors have told me : They can not accept my SSA Award Letter They can not override the bankstatement requirement There is no way around their policy This is not an ADA issue There is no ADA case manager or accommodation process Because of my XXXX and Representative Payee status, it is impossible for me to provide the documents they are demanding. Capital One is refusing to accept reasonable alternative documentation that does exist and is issued by the federal government. This has resulted in my account being restricted and my identity/income verification being blocked indefinitely. Capital Ones refusal to accept SSAissued documentation, combined with their insistence on documents that can not exist due to my XXXX, creates an unfair and discriminatory barrier for XXXX consumers with Representative Payees. I believe this may violate : ADA obligations Fair access to credit Reasonable accommodation requirements Fair verification practices I am not refusing verification I am unable to provide documentation that is legally impossible for me to have. I have spoken to multiple Capital One representatives between XX/XX/XXXX and XX/XX/XXXX, including going to a Capital One Cafe for assistance in resolving this issue. So far, only one representative has tried assisting me. The others I spoke to either declined to escalate, declined to make a case, declined to accept the documents I provided, and have misquoted company policy. This has created a verification loop that I can not resolve without regulatory intervention. I can provide my SSA Award Letter and Status Letter directly to Capital Ones regulatory response team upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: IL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
In XXXX XXXX XXXX NewRez LLC ran an escrow analysis and found that there is a shortage due to XXXX NY taxes increasing resulting in my mortgage payment increasing from XXXX XXXX ( I have been paying $ XXXX ) to $ XXXX starting in XXXX XXXX. I've only owned this house for 1 year after closing in XXXX XXXX. I can not make this payment as I do not make enough a month to pay that high of a monthly payment. I attempted to reach NewRez LLC by phone but could not get an actual person on the phone to see what my options are. On my portal it states if I pay the shortage of {$2400.00}, then my payment for the year will decrease to {$1600.00}. I was never notified of an escrow analysis being conducted.

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 2026-06-02 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: TX

Complaint narrative:
Wells Fargo and VIsa have this automatic update system that will automatically update your card with merchants if you get a new card. My card was compromised. I ordered a new card. The new card was compromised the next day because the bank updated my card information and gave it right back to the people who robbed me. Now wells Fargo is telling me the only way to stop it is to do stop payments ( which cost {$30.00} ) instead of removing me from the system that I never asked to be apart of.

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 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My account was hacked there was an investigation. Money was removed from my XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. These fund was placed in capital one account I received a bank statement showing that XXXX payment was made that was not me. The bank investigated and I was to receive a check containing approximately XXXX XXXX also at the time I had funds in the account that was not touched. I didnt receive any. I called there are saying I have no funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Global Lending Services LLC
State: MD

Complaint narrative:
XXXX XXXX agreed to run my Consumer Credit Transaction with my Social Security Credit Card. They then asked for a {$500.00} down payments 3days after I drove off the lot and went home with my vehicle. I asked them isn't that illegal to ask for any down payment on a consumer credit transaction, because that voids the transaction. I asked XXXX XXXX, XXXX XXXX and XXXX from XXXX XXXX for the Original Sells agreement and ledger information but they never replied to the Affidavits that I sent to the dealership. They tried to ask me two weeks later ands asked if I wanted financing with Global Lending Services LLC and I told them no. XXXX said they needed to talk to me about the {$500.00} down payment. He called Global on a 3 way call and had them ask me about financing and I said I do not consent to any calls from them. I asked XXXX XXXX sales manager why did they shop or extend my credit to someone else because I provided the credit and I know that. I then sent notice to XXXX XXXX Global Lending asking for a contract signed by me and them with all paperwork. I received no odometer reading, original sales amount for purchased vehicle, truck history, origin history etc.. The sticker at purchase said XXXX and taxes came to XXXX. The amount I was told later was XXXX. I asked for the loan amount that was attached to my Consumer Credit Transaction if there was one and the dealership said they couldn't locate it. I still have no history of the vehicle or paperwork mentioned above. I am filing court papers for fraud, identity theft and criminal theft because I never gave Global Lending Services my personal or private consumer credit transaction information. I don't know how they received any personal information about my deal with XXXX XXXX. Third parties should not be able to use your consumer credit and say they are extending you credit. I AM THE CREDITOR and I know that to be true. Global Lending has illegally put this on my credit report and I want it removed immediately. XXXX XXXX and Global Lending Services LLC have not responded to the Four certified mailed notices. I Will forward notices to CFPB. When asking for a down payment voids the Consumer Credit Transaction, because the dealership was paid after they used the Social Security Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I opened a checking account with Capital One XXXX deposited a check in the amount of XXXX. Capital One stated they needed XXXX verify the check. The check was cleared by XXXX Bank. Capital One stated that account holder did not match according XXXX " their public data '' XXXX so verification was provided through ID XXXX bank statement showing the ownership of account holder XXXX withdrawal of stated funds. It is over XXXX days ( today is XX/XX/XXXX ) XXXX I still do not have access XXXX my funds. Neither bank makes " outbound calls '' XXXX communicate XXXX settle this matter. Capital one also stated they were waiting for a hold harmless release form which XXXX no longer uses. This has put me in a financial crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I opened a checking account online and deposited XXXX to open the account. I attempted to complete my online profile and was successful. I received a notice that a debit card was mailed. I was locked out of my profile. I called fifth third and spoke with XXXX in their fraud department, he informed me the account was flagged and I was not eligible to open an account. The fact that I did open the account and now fifth third states Im not eligible because of an account I had in XXXX in which nothing is owed to fifth third. The fraud department was extremely unprofessional and the agent refused to allow me to speak to a Supervisor to further address my concerns. They have not refunded me my initial deposit. The fact that fifth third allowed the transaction to process, hold my money, lock me out of my profile and has neither mailed or communicated with me, they made a mistake. This is deceptive. How many consumers money is being taken by fifth third by doing this. They should be held accountable for their inability to disallow the opening of an account based upon prior relationships.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America failed to reach out and freeze XXXX account after contacting them several times by phone.

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 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Midland Credit Management-XXXX XXXX. Fee-to-Debt Ratio : The total fees charged in XXXX ( {$430.00} ) represent nearly 47 % of the total balance ( {$910.00} ). 2. Credit CARD Act Violation : Under the Credit CARD Act of XXXX, fees charged during the first year an account is open can not exceed 25 % of the initial credit limit [ 1 ]. For a {$500.00} limit, this cap would be {$120.00}. Your XXXX fees alone far exceed this. 3. Compounding Late Fees : The statement shows a {$39.00} late fee on a balance that is already closed and over-limit, which may be considered junk fees or predatory under current CFPB ( Consumer Financial Protection Bureau ) scrutiny [ 2 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
The govt has cancelled the current payment plan, and is moving the loan to another lender. But they are adding {$10000.00} of new interest to this loan. I have been paying my loan for years and am finally down to almost no interest and just the principal left to pay.

Company response to consumer: Closed with explanation