vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
Received a letter from original creditor that I could settle balance for {$1600.00} in the process of me paying that balance account was sold and now I owe {$8300.00} with new creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Deinde Online Services, LLC
State: KY

Complaint narrative:
XXXX XXXX is reporting a charged-off debt on my XXXX  credit report originating from Integra Credit . However, Integra Credit shows the account as closed and reporting a {$0.00} balance, while XXXX continues to report a balance of {$3100.00}. XXXX never provided documentation establishing chain-of-title from Integra, nor any validation of the alleged balance, interest, fees, or credits. 

XXXX subsequently assigned or sold the account to XXXX XXXX XXXX, who began collection attempts. XXXX also could not provide validation or explain how XXXX can report a $ XXXXclosed status while still attempting to collect the debt through a third party. 

The reporting and collection activity conflict with each other and with the original creditors data. If the debt was sold, XXXX should not be reporting a balance. If the debt was paid/charged-off to {$0.00} by Integra, XXXX and XXXX should not be collecting. XXXX has not demonstrated legal ownership or authority to collect under the FDCPA, nor furnished accurate information under the FCRA. 

Because the balance, ownership, and status of the account are unclear, and no validation was provided, I dispute both the accuracy and the legitimacy of the debt and the reporting. I am requesting full validation and documentation or deletion of the tradeline and cessation of further collection efforts. 

Additionally, I believe this may constitute re-aging and/or improper data furnishing, as the dates reported by XXXX do not match Integra, and the balance and status reported are inconsistent across entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I made a {$2000.00} payment at a Wells Fargo branch toward my credit card account. The teller initially entered the payment incorrectly as {$200.00}. I identified the error, and Wells Fargo corrected it on XX/XX/year>. 
My issued XXXX billing statement reflects the correction properly, and the account balance carried forward correctly through the XXXX and XX/XX/year> billing cycles. There was no duplicate {$2000.00} payment shown on any issued customer statement during this time. 
On XX/XX/year>, Wells Fargo applied a retroactive payment reversal of {$1800.00} dated to XX/XX/year>, stating that it was due to a duplicate payment. I did not request this reversal and was not notified of any duplicate payment at the time it allegedly occurred. 
I reviewed all issued billing statements and could not find any duplicate payment that supports the reversal. I contacted Wells Fargo multiple times over several months and requested documentation identifying the specific statement date, transaction ID, and line item where the alleged duplicate payment appears. 
Wells Fargo closed my internal complaint, stating that the reversal was automatic due to a duplicate payment, but did not provide any customer-visible documentation to support this claim. As a result of the unsupported reversal, my account balance increased incorrectly and I incurred financial penalties. 
I am requesting that Wells Fargo either provide documentary evidence of the duplicate payment on my issued statements or remove the unsupported payment reversal and correct the account balance and related penalties.

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 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Revolut Technologies Inc.
State: MD

Complaint narrative:
I am submitting a complaint regarding XXXX refunds totaling approximately {$3500.00} that were credited to my Revolut account and later reversed during the process of closing my account.

The refunds were originally posted to my account, but Revolut later marked them as reverted and claimed they were sent back to XXXX. XXXX has not received any of these funds, and I have attached screenshots showing the refunds were initially credited and then reversed. 
I have formally requested Revolut to : Provide a complete transaction list and total amount of all reversed refunds, including dates, amounts, and ARNs ( Acquirer Reference Numbers ) if available.

Release the total amount owed directly to me before the closure of my account.

Under Regulation E ( EFTA ) and applicable US consumer protection rules, I am entitled to a clear accounting and timely resolution of these reversed transactions. Revolut has failed to provide an accounting or release the funds.

I request that CFPB intervene to ensure that Revolut either : Provides ARNs / proof showing refunds were returned to the merchant, or Credits the full amount owed ( {$3500.00} ) to my account immediately.

I have attached supporting screenshots of the transactions and Revolut communications for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting and conflicting information provided by Chase XXXX in connection with my lease-end account. 

My monthly lease statements consistently reflected a payment due date of the XXXX of each month. Prior to returning my leased vehicle, I contacted the Chase lease-end phone number and was advised by a Chase representative that if the vehicle was returned within XXXX  days after the due date, an additional monthly payment would not be required. Relying on this guidance, I returned the vehicle on XX/XX/XXXX, XXXX days after the XX/XX/XXXX due date. 

After the vehicle was returned, Chase assessed a XXXX payment, a disposition fee, and a {$120.00} amount that was reported as late to the credit bureaus. I contacted Chase to dispute this and was advised that a review would be completed by XX/XX/XXXX. That review was never addressed. Instead, Chase later stated that a different late fee assessed on XX/XX/XXXX was waived, which was not the subject of my original dispute. 

Chase has since provided inconsistent explanations regarding the account. XXXX representative advised that my payment due date was the XXXX of the month, while my statements clearly show the due date as the XXXX. Chase later asserted that the XX/XX/XXXX payment remained unpaid due to a returned payment and treated this as more than XXXX  days past due, despite the lease having been returned within the timeframe I was told would not require an additional payment. 

Chase has characterized my request as a request for a courtesy waiver, which is incorrect. I am disputing the accuracy of the delinquency reporting. The delinquency is based on conflicting representations provided by Chase representatives, reliance on lease-end guidance, and inconsistent billing explanations. Chase has declined to investigate the accuracy of the reporting and has relied solely on policy statements rather than addressing the factual discrepancies. 

I am requesting that the CFPB review this matter and require Chase to : Conduct a proper investigation into the accuracy of the reported delinquency pursuant to the Fair Credit Reporting Act ; and Correct any inaccurate or unverifiable credit reporting associated with this account. 

I have supporting documentation, including monthly statements and Chase correspondence, that substantiate the conflicting information and my reliance on Chases lease-end guidance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Mortgage / Escrow Dispute Timeline ( XXXX-Page Summary ) Servicer : Shellpoint Mortgage Servicing / NewRez LLC Original monthly payment : {$840.00} New monthly payment quoted : {$2100.00} Background I have paid my mortgage on time for over XXXX years. I experienced hardship as a XXXX XXXX  parent while supporting my children through school/college. I fell behind on township trash and sewer bills and worked to set up a payment arrangement to resolve the balance. 



Timeline of Key Events XX/XX/XXXX ( date I later learned ) The mortgage servicer paid the municipal trash/sewer balance ( I was not aware at the time and was not notified in advance ). 
Early XXXX ( prior to XX/XX/XXXX ) I received notice that my property was at risk of sheriff sale unless approximately {$6000.00} was paid immediately. I contacted XXXX right away to resolve the issue. 
XX/XX/XXXX I submitted my first payment under the XXXX payment arrangement. 
XX/XX/XXXX I called XXXX to confirm my payment/arrangement status. XXXX informed me the balance was paid in full. 
This is when I discovered, without any advance notice, that my mortgage servicer had paid the bill. 
XX/XX/XXXX I logged into my mortgage account and saw the escrow shortage/payment increase notice. 
My monthly payment increased from {$840.00} to {$2100.00} due to the escrow shortage created by the servicers advance. 



Key Issues I was not notified in advance that the servicer intended to pay the municipal bill. 
The amount required to stop the sheriff sale was about {$6000.00}, but the servicer paid the entire multi-year balance, which caused a major escrow shock. 
I have continued making payments in good faith, yet I have been told no options and/or that I was not approved due to non-payment, and some payments have shown as unapplied/non-post/suspense. 
I requested a recalculation and offered lump-sum payment options, but I was told the servicer would not re-run escrow unless the full amount was paid.

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 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank , N.A . negotiated ( cashed ) a XXXXXX/XX/XXXX check in the amount of {$39000.00} that was payable to me. My Citi account was officially closed on XX/XX/scrub>, 2025. 

Despite negotiating the XX/XX/XXXX check, Citi failed to remit the proceeds to me and has not provided written proof that the funds were returned to the XXXXXX/XX/XXXX or otherwise lawfully disbursed. 

Citi has provided only verbal explanations and has refused to identify where the funds are currently held ( suspense account, general ledger, or returned funds ). 

I am requesting : XXXX. Written proof of the disposition of the {$39000.00}, including dates and transaction references, or XXXX. Immediate release of the funds to me if Citi is still holding them. 

Citis continued retention of these funds after account closure is improper and unreasonable.

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 2026-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I am filing this complaint against Credit Acceptance regarding my auto loan and their refusal to lower my monthly payment despite representations made at the time of purchase. 

At the dealership, I was told that although my initial monthly payment would be {$860.00}, Credit Acceptance would be able to refinance or lower my payment after the loan was established. I relied on this information when signing the contract, as I was assured that the payment was temporary and subject to adjustment. 

After the loan was finalized, I contacted Credit Acceptance to request a lower monthly payment or refinancing options. Credit Acceptance informed me that they do not refinance or lower payments and that the contract is fixed. This directly contradicts what I was told by the dealership prior to signing. I believe I was misled into signing the agreement based on false or deceptive statements. 

The $ XX/XX/XXXX monthly payment is unaffordable and places significant financial strain on me. Had I been told the truththat Credit Acceptance would not refinance or adjust the paymentI would not have agreed to the loan under these terms. 

I am requesting that this matter be reviewed for deceptive lending practices and misrepresentation. I am seeking a reasonable reduction in my monthly payment, refinancing assistance, or another fair resolution. 

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 explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: IDT Telecom, Inc
State: VA

Complaint narrative:
I am submitting this complaint regarding my use of the Boss Revolution mobile application.

I use the app exclusively for making international phone calls and maintains a prepaid balance for that purpose. The application, however, displays constant advertisements and promotional content for additional services such as money transfers and subscriptions, many of which include moving or distracting elements. As a result of this design, I inadvertently clicked on an item I did not intend to purchase.

On the following day, {$5.00} was deducted from my account balance. When I contacted customer service to inquire about the missing funds, I was informed that the charge was for a subscription allegedly activated the previous day. I clearly stated that I did not knowingly enroll in any subscription and that, if such a subscription exists, it must have been activated unintentionally or without informed consent. 

While attempting to explain this issue and request clarification or a resolution, the customer service representative disconnected the call without resolving the matter. 

This experience raises serious concerns regarding : Unauthorized or unclear subscription enrollment Deceptive or overly aggressive in-app advertising design Lack of transparent consent for paid services Unprofessional handling of customer disputes We believe this issue may affect other users as well, particularly those who are vulnerable to accidental clicks due to the apps design. We respectfully request a review of this issue and corrective action to prevent similar occurrences in the future.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Date : XX/XX/year> RE : Notice of Dispute and Request for Debt Validation I am writing to formally dispute the debt you have recently contacted me about. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request written verification of this debt. 
Please provide the following information : XXXX. Verification of Debt : A full itemization of the debt, including the original amount, any interest added, and any fees applied. 
XXXX. Original Creditor : The name and address of the original creditor. 
XXXX. Proof of Ownership : Documentation proving that your agency has the legal right to collect this specific debt. 
XXXX. License to Collect : Verification that your agency is licensed to collect debts in my state. 
Be advised that under the FDCPA, you must cease all collection activity until this validation is provided. If you have already reported this account to any credit bureaus, you are now required by law to mark it as " disputed. '' If you can not provide the requested documentation, please remove any record of this debt from my credit report and cease all further communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Requested original singed contract and payment history of this alleged debt no response I would like this information and any tax documents or credits paid to this company for this alleged debt usc 1681 i ( e ) b please submit or remove this negative false activity from my file immediately from all credit bureaus being reported to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: Branch Messenger, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted written notice by email to cancel my XXXX XXXX membership. The studio acknowledged my request. Per the membership terms, a XXXX notice was required, so my membership should have ended on XX/XX/XXXX. 

Despite proper written notice, my card was charged XXXX  on XX/XX/XXXX, in the amount of {$59.00} each. The studio stated that XXXX charge was for XXXX and XXXX was for XXXX. 

After cancellation should have taken effect, the merchant attempted to charge my card again on XX/XX/XXXX, in the amount of {$59.00}. This charge was unauthorized and only failed because my card was locked. 

I did not authorize any charges after providing written cancellation on XX/XX/XXXX. I disputed the post-cancellation charges with my card issuer and requested confirmation that billing would cease, but the merchant continued billing attempts and repeated phone calls. 

I am requesting reversal of all unauthorized post-cancellation charges and a permanent block preventing this merchant from charging my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX continues to charge me after confirming a full refund. I returned the items on XX/XX/year> and have attempted resolution multiple times without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : CFPB Case Update : Inaccurate Credit Reporting Remains Unresolved Citi Inquiry - XXXX!!! 
I am submitting this update regarding Citis response dated XX/XX/XXXX. 

While Citi has issued provisional credits for the fraudulent charges, interest, and late fees, the matter is not fully resolved. Citi continues to report delinquency that is factually inaccurate and procedurally improper. 

Citis response contains material factual errors, incorrectly citing missed payments in XXXX and XX/XX/XXXX ; the correct dates are XXXX and XX/XX/XXXX. This raises concerns regarding the accuracy of the records relied upon for credit reporting. 

Further, the account remained under active fraud dispute throughout the relevant period. After Citi confirmed reversal of the fraudulent charges, the account was pending Citis issuance of a corrected billing statement reflecting only the single valid charge of {$1.00} ( XXXX XXXX, dated XX/XX/XXXX ). Until such a statement is issued, there was no accurate amount due for payment. 

Despite this, Citi has declined to remove negative credit reporting, offering only to annotate the account as disputed by consumer, which does not correct inaccurate reporting or remedy credit harm. The reported delinquency would not exist but for fraudulent charges Citi has now credited and Citis delay in issuing a corrected statement.

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 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
XX/XX/2025 Unauthorized purchase cash app let steel money of my cash balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/2025, I made a {$500.00} debit card payment via XXXX as a deposit for housing after being told the unit was available. No lease was signed, no agreement was executed, and no possession was taken. 

After the payment was made, the move-in timeline and terms changed. Before any services were rendered or any move-in occurred, I notified the recipient that I would not be proceeding and requested a refund. 

The recipient refused to return the deposit and stated in writing that they would fight the dispute. I disputed the transaction with Chime as goods/services not provided. Chime denied both my original dispute and my appeal, relying solely on the transaction being authorized rather than evaluating whether any goods or services were provided or whether the deposit was unearned. 

I believe this dispute was mishandled and that Chime failed to properly apply Regulation E to a debit card transaction involving non-delivery of services and refusal to refund.

Company response to consumer: Closed with explanation