vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing a complaint regarding Chase Banks refusal to reimburse fraudulent charges resulting from a documented impersonation scam. I made a legitimate hotel reservation through XXXX for a stay in XXXX, XXXX. On XX/XX/year>, I received a phone call from an individual impersonating a hotel representative who had access to my reservation details, billing address, and partial credit card information. Based on this information, it was reasonable to believe the caller was legitimate. I was instructed to contact Chase to authorize what was described as a temporary pre-authorization only. I did not authorize a completed charge or any cash-equivalent transaction. Immediately after, the full amount was charged to my account. I received no goods or services. Shortly thereafter, XXXX notified me that the hotels system had been compromised and warned customers not to provide payment information to fraudulent callers. I reported the fraud promptly to Chase. However, Chase denied my claim, incorrectly asserting that the transaction was authorized. Any apparent authorization was obtained through deception and impersonation and is not valid authorization under the Fair Credit Billing Act and Regulation Z. I am requesting that Chase reopen the investigation, correctly classify this as fraud, and reverse all associated charges, fees, and interest. I am also requesting that Chase provide the documentation used to justify its denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was suppose to received my check the amount was {$8.00} from my checking ending in XXXX and {$620.00} from my saving ending in 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 monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Please verify this account. I am requesting validation of this debt and documentation that this collection agency has the legal authority to report this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Please verify this account. I am requesting validation of this debt and documentation that this collection agency has the legal authority to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
Debt was transferred to a third party without my knowledge. Debt transfer was not part of the original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Beginning XXXX, repeated ACH debits posted to my Citizens Bank checking account that I did not authorize. The transactions continued through XXXX. On XXXX, I reported the unauthorized ACH activity in person at a local Citizens Bank branch. A Citizens Banker submitted a fraud claim on my behalf, assigned Claim XXXX. On XXXX, Citizens Bank denied the claim, stating that a review of account history showed fraud did not occur. The denial did not include any written, oral, or electronic authorization permitting ACH debits. On XXXX, I requested copies of all documents relied upon to deny the claim, including any ACH authorization records. No documentation has been provided. On XXXX, I also requested authorization records from XXXX . No authorization has been produced. I am seeking review of Citizens Banks handling of this matter and its compliance with RegulationE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My checking account was taken over through unauthorized changes to my profile including my email and physical address. These changes were not made me. After these u anauthorized changes, fraudulent transactions began including an online purchase in excess of {$4600.00} and additional unauthorized withdrawals and transfers. We reported the fraud immediately. While working with a Chase branch manager to resolve the issue, additional unauthorized ATM withdrawals occurred in Florida using a debt card that had been newly issued but never received. At thar time, we were physically present in California, making it i.possible to have conducted those transactions. Chase approved and refunded the second fraud clai., effectively confirming that the account had. Even XXXX. However, Chase denied reimbursement for the earlier fraudulent transactions e en though they occurred after the unauthorized changes to my account and as part of the same continuous takeover. This is not a case of separate or isolated transactions. This is a single, continuous fraud eve t involving account takeover, unauthorized profile changes, and ongoing unauthorized access. I am requesting Chase : 1 ) reopen and evaluate the original claim. 2 ) consider all fraudulent transactions as part of one continuous account takeover 3 ) provide full reimbursement for the remaining losses under regulation e I have documentation shoeing unauthorized cha ges to the account, as well as the timeliness of events, and are willing to provide this upon request. I am requesting a fair and complete review based on the full set of facts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am filing a complaint regarding Portfolio Recov Assoc and the inaccurate reporting of a collection account on my credit report. This account was previously disputed with all three credit bureaus. The account was marked as verified, however, no documentation was ever provided to support the validity of this debt. Portfolio Recov Assoc is a debt buyer and must provide proper documentation, including : A full account history from the original creditor ( XXXX XXXX ) Proof of assignment or ownership of the debt A signed agreement linking me to the account To date, none of this documentation has been provided. Additionally, the credit bureaus failed to properly investigate this matter and instead relied on a generic verification response, which is not compliant with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
This account was opened on XX/XX/year>. Unknown amount. This debt was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
NOTICE OF ERROR ESCROW SERVICING ERROR 2024 Errors and Amounts Owed Total Exemption Effective Date : A 100 % serviceconnected permanent XXXX exemption reduced all XXXX property taxes to {$0.00} effective XX/XX/XXXX, for all taxing authorities XXXX XXXX, school district, and XXXX ). Improper XXXX Tax Disbursements Made by SPS ( after exemption ) : XXXX XXXX XXXX : {$5900.00} ( paid XX/XX/XXXX ) MUD : {$2100.00} ( paid XX/XX/XXXX ) Water/Sewer : {$2100.00} ( paid XX/XX/XXXX ) Refunds Credited by SPS ( incorrect and incomplete ) XXXX XXXX refund credited : {$530.00} MUD refund credited : {$180.00} Water/Sewer refund credited : {$190.00} Correct Tax Liability After XX/XX/XXXX : {$0.00} owed to all taxing authorities XXXX Refund Amounts Still Owed to Escrow XXXX XXXX : {$5900.00} {$530.00} = {$5400.00} MUD : {$2100.00} {$180.00} = {$1900.00} Water/Sewer : {$2100.00} {$190.00} = {$1900.00} Total XXXX Refund Still Owed to Homeowner : {$9200.00} XXXX Errors and Amounts Owed Confirmed XXXX PropertyTax Liability : The homeowner is approved for a 100 % exemption for XXXX. Legal property tax owed for XXXX : {$0.00} Escrow Funds Held for XXXX Taxes ( from Escrow Analysis ) XXXX XXXX tax reserve being collected : {$5900.00} MUD tax reserve being collected : {$2100.00} Water/Sewer reserve being collected : {$2100.00} Total Escrow Funds Improperly Held for XXXX Taxes : {$10000.00} These funds are not tied to any legal obligation and must be released or refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
When receiving my loan with OneMain Financial they rushed through the process unusually fast and not fully explained. I was charged fee i was unaware of which resulted in my inability to pay my debt and has negatively affected my credit due to charge-off

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: IL

Complaint narrative:
My account was unlawfully and unauthorized charged by XXXX for $ XXXX XXXXOn XXXX I sold a XXXX XXXX, buyer didn send it back, and was unlawfully refunded from my account, so, I lost {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgence capital services began contacting me via email, a XXXX to be exact, on XXXX XXXX, XXXX advising me that they purchased this alleged debt ( acct XXXX ) XXXX of mine on XXXX XXXX, XXXX. I was told if I want to get control of this situation that I needed to call them. I respond asking for debt validation I received another email on the XXXX of XXXX, its a reply to my debt validation request, an Resurgent employee named XXXX XXXX responds to my validation request, advising that due to the nature of my inquiring, debt validation, that they would forward my request to the appropriate department. I have since then received over XXXX plus emails with no care or regard to what they are legally bound to do for the American Consumer. Under the FDCPA Resurgent is by law to provide Debt Validation before proceeding with any further collection attempts. This never happened even though I requested it, I was acknowledged and then ignored. In my request I also advised that collection attempts and reporting need to halt while they provided the validation to me, they ignored this as well. My request was totally within my rights citing 15 u.s.c. 1692g and 15 u.s.c. 1692c. Furthermore Resurgent by law should have that validation to me no later than 5 days after initial contact XXXX XXXX, XXXX. I shouldnt have even needed to request it to begin with, it should have been XXXX XXXX, XXXX. This did not happen. Resurgent currently has 4 FDCPA violations on this one collection. They need quit all collection attempts and stop reporting on this to the bureaus. No negative sign of this should be anywhere on my report,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Mathew Aaron Holdings Inc.
State: MO

Complaint narrative:
I enrolled in a debt settlement program with GRT Financial and XXXX XXXX XXXX. The company has been collecting settlement fees before successfully resolving my accounts. As of now, only one account has been settled, with a second pending, yet they have already collected a significant portion of their total fees. They have already collected approximately {$5200.00} in settlement fees despite only one account being settled and another pending. At the same time, they are holding approximately {$2000.00} in escrow while continuing to withdraw monthly payments ( currently {$670.00} ) without applying those funds toward settlements in a timely manner. I requested a full accounting of all fees and how they are being applied, but this was not properly provided. The current structure appears to prioritize fee collection over actual debt resolution. I am requesting a full accounting of all payments and fees, clarification of how fees are calculated and applied, and a refund of any fees collected prior to successful settlements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a VentureX card from Capital One. I have autopay set up. Their terms are set here : XXXX XXXX XXXX From these terms : " For the minimum payment and statement balance options, if you make a payment before your XXXX processes, that payment will reduce the amount of your upcoming automatic payment. For example, if your minimum payment XXXX is {$25.00} and you pay {$10.00} before the XXXX processes, your automatic payment will now be {$15.00}. This gives you more flexibility and control over paying down your Capital One credit card balance. '' On XX/XX/XXXX, I manually paid off my {$6700.00} balance. This should have eliminated any autopay. However, on XX/XX/XXXX, Capital One 's autopay feature withdrew {$5500.00} from my checking account. This brought my checking account balance below my monthly rent, which was due in a few days. On XX/XX/XXXX, I called Capital One asking them to reverse the transaction, but they told me they can not do that. They said that they could send a paper check, which would get to me within XXXX business days after an internal review. As a result, I had to move money from my investment accounts to pay rent. In that same period, the XXXX, which I put most of my money in, is up 7 %, meaning I've lost ~ {$390.00} in returns in addition to potential tax implications of moving money out of a taxable account. On XX/XX/XXXX, I called Capital One again since I had not received the check or any communication from them. The support agent then told me that because I had originally called less than XXXX days after the autopay, it was too early to do anything. They then said they were only now, as of XX/XX/XXXX, initiating the review and check process. As a result, I will have been short $ XXXX in my bank account for nearly a month, and also have been impacted from having to use investment account cash to cover rent. I have asked Capital One to compensate me for this somehow, even suggesting points, but they have refused, so I am now requesting the CFPB 's assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I was involved in a XXXX marketplace transaction on XXXX/26 where the person purchasing from me offered to send me {$170.00} to hold the item. She sent me the money via Zelle. I receive an email saying because it was from a business account to a personal account she needed to make a larger deposit in order for the transaction to take place. She said she agreed to send the {$1000.00} as long as Id send it back. I agreed and she sent the other {$1000.00}. It also was held so I called the number in the email and was told I needed to send the money back to her before the funds would be released. They asked me to send half first. I sent {$500.00} back and then as soon as I did it realized it was a scam. I was of course reassured by the person on the phone it wasnt and he gave me his name and badge number. My bank said they can not do anything nor can Zelle. I filed a police report with my local police department immediately but am now out {$500.00}. All I want is my money returned but no one can help me because there is no protection with Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KY

Complaint narrative:
At the end of XXXX my phone was stolen. I used someone's phone one time to log into my Chime due to me having to cancel a card due to it XXXX stolen and unable to access any money. I couldn't even buy a phone to have my number to get into my own account. I was unable to send money. This person then kept logging into my account and sending themselves money. I have provided a conversation from the women 's boyfriend admitting this happened. Also with the police report I filed. The charges added up to about {$1300.00}. Chime refuses to acknowledge any of this. I even stopped getting m paychecks sent to that account. Also, if they look my cell phone bill was not paid from that account during the month of XXXX either. I even XXXX Chime managers hang up on me while trying to get this resolved. I also stated. Why would I send someone I never sent money to before in multiple transactions of {$1300.00} and drain my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received marketing information and referral to apply for an XXXX XXXX XXXX with Chase. First, they did not process information before they had a data breach and told me there was a security issue with my application. Second, due to this reasoning and other reasoning they refused to share, they denied my application to the card. I requested an explanation for why I was denied, but the employee refused to share it. In addition, they provided no documentation. I believe it was discriminatory, especially since I received marketing to apply, but then their staff refused to share any reasons aside from their data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I got a loan with XXXX XXXX XXXX in XXXX, XXXX back in I believe 2023. However, I paid them a few times before I had a near death experience at my job. They told me don't worry about it because I had insurance with them in case something did happen to wear I couldn't pay, they would cover my loan and pay it off. They lied to me and sold my account to Spring Oaks Capital LLC. Spring Oak Capital LLC is suing me when I don't know of them nor owe them anything. From my understanding that's why I took out the insurance to cover me in case something happened to where I couldn't pay. It's ruining my credit due to both of these companies are reporting that I owe them. It was stated that I owe {$2000.00}. They keep updating it to where it looks like I just got the loan from them to keep my credit down. I am stressed out and can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: Freedom Mortgage Company
State: FL

Complaint narrative:
I am a homeowner current on my payments, proactively seeking a XXXX XXXX XXXX XXXX due to an imminent default caused by a 66 % reduction in household income ( dropping from {$120000.00} to {$40000.00} annually ). Freedom Mortgage has engaged in multiple servicing failures that have blocked my ability to secure home retention : Systemic Technical Barriers : I attempted to apply for assistance via the online portal but was repeatedly blocked by a " technical difficulties '' error, preventing timely document submission. Deceptive Billing Information : On XX/XX/year>, the online portal explicitly displayed my account status as " Frozen '' with a {$0.00} balance due. Unauthorized ACH Draft : Despite the " frozen '' status and active loss mitigation review, Freedom Mortgage executed an unauthorized automated ACH draft of {$2400.00}. Erroneous Denial : Freedom Mortgage subsequently denied my modification, claiming the loan was " reinstated. '' This reinstatement was artificially and erroneously created by the company 's own unauthorized billing draft. Inappropriate Resolution : Despite my status as a current borrower seeking home retention, the company declined to offer a modification and instead offered an unwanted Short Sale, effectively attempting to force me out of the asset. Failure to Consider Supplemental Income : I have proactively submitted verified boarder income ( roommate leases ) totaling an additional $ XXXX to prove the sustainability of a modified payment. The servicer has refused to reopen the file to evaluate this data. I require that my loss mitigation file be immediately reopened, the " reinstatement '' status corrected as a servicer error, and my application be manually reviewed for the XXXX XXXX XXXX XXXXXXXX using my updated household income.

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