vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
The company name Jefferson capital system has a collection debt of {$17000.00} on my credit report it have never done any business with Jefferson capital system and I would like to obtain proof of how I obtain this debt and when did I sign a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: WI

Complaint narrative:
heights financial keep calling me several times a day. This is harassment i just want the phone calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Issue : Bank closed my fraud dispute despite clear evidence of unauthorized charges Summary : USAA denied my fraud claim for multiple unauthorized XXXX charges on XX/XX/year>, totaling {$680.00}. The denial was based on Microsofts compelling evidence, which incorrectly assumes I made the purchases. The evidence actually shows the transactions were made from an XXXX console in XXXX, using an email account that was hacked months earlier. Details : My email XXXX was hacked in XXXX XXXX. The hacker changed the recovery email and phone number, locking me out. The XXXX evidence packet shows the purchases were made using this hacked email. The console used is located in XXXX, XXXX XXXX, XXXX, XXXX address XXXX. I have never been to XXXX and do not own an XXXX. The XXXX account name listed ( XXXX XXXX ) is not mine. The card was added to the XXXX account on XX/XX/year> during the period my email was compromised. USAA ignored these mismatches and denied the claim. Why this violates Regulation E : These transactions were : Initiated by someone other than me Without my authority Using a hacked email account From a foreign device I do not own For services I do not use USAA failed to properly investigate and relied solely on the merchants automated evidence. I am prepared to provide screenshots and a sworn statement confirming the email compromise and lack of access. Thank you for your time and reconsideration.

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 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
NFCU gave me a vehicle loan at 4.790 % interest. They then moved it to 14.790 % interest and will not give me the title back so I can transfer the loan to another bank. I have not missed a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Daily repeated phone calls from Chase bank from the following phone numbers : XXXX, XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX They have been calling Monday through Saturday. I've repeated to them that I lost my job, laid off due to lack of work on XX/XX/year>. I've been looking for work and applying. I will pay once I start getting paid. I have nothing right now to give to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AmeriHome Mortgage Company, LLC
State: OK

Complaint narrative:
I have sent in the same paperwork 4 times for a short sale, and the underwriter has not approved it since XX/XX/2025. I have tried to sell the house to keep from bankruptcy or foreclosure, so that both parties win, but this company does not care about the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
Recieved a closure notice online that on one or more occasions capital one noticed that one or more of my accounts is inconsistent with typical customer account usage. I asked for more explanation on this and all they did was reread me the letter and said there are no other details. I recieved this letter less then a month th after they put my funds on hold to verify my payment accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: UPGRADE, INC.
State: SC

Complaint narrative:
A court affadavit was sent to XXXX XXXX XXXX on XX/XX/XXXX to inquire about my deceased son 's money market account. XXXX XXXX XXXX sent a letter dated XX/XX/XXXX with an enclosure from Upgrade Bank, one of their partners, where the funds where held with the account information and balance of the account. Upon contacting Upgrade Bank on XX/XX/XXXX, I was requested to send my son 's death certficate, my court order as estate representative and my driver 's license ( front and back ) which I emailed on XX/XX/XXXX. I was met with one delay after another. I had to email, upload and send documents multiple times. I was told documents didn't arrive that I had certified mail receipts. I received the account balance from Upgrade Bank on XX/XX/XXXX. On XX/XX/XXXX, I received an email from Upgrade Bank requesting the original documents already sent. On XX/XX/XXXX, I was told my driver 's license was blurry and they would send an email to respond. No email received. On XX/XX/XXXX, they requested the original documents again and wanted me to tell them my son 's SSN and account number (? ) At one point, they refused to reply to my email account and wanted the email to come from my deceased son 's account. On XX/XX/XXXX, I received a form entitled " Letter of Instruction '' to fill out and return. This form had my son 's name, account number, my name and address and a box to " X '' where you wanted the check sent. The second page was for signature and notary. They rejected the form since I did not sign and have the first page notarized which had no requirement. The signature and notary action were on the second page, which later they stated was not even received. These delay actions were repeated. I was told the account was " under review '' on XX/XX/XXXX which would take 3-5 days. I contacted a probate lawyer who made a conference call with Upgrade Bank and myself on XX/XX/XXXX. Upgrade Bank stated the account was " under review '' and should be finalized in XXXX days. On XX/XX/XXXX, I received a check for the balance of my deceased son 's money market account -- it took XXXX months and inflicted pain at my time of personal loss. It seemed to be a game to Upgrade Bank to delay and frustrate me. These funds were needed to pay the debts of the estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
I am filing a complaint against United Wholesale Mortgage for repeatedly giving me conflicting information and preventing me from obtaining a repayment plan after a temporary hardship. I was laid off for eight months but my income was fully restored in XX/XX/XXXX. I contacted UWM several times by phone and through their website to request a repayment plan. I was denied because they claimed they could not verify my income. On XX/XX/XXXX, I submitted a formal appeal and uploaded my bank statements and supporting documents through the portal as instructed ( See page # 4 of the LETTER NOTICE XXXX - ATTACHED TO THIS SUBMISSION ). This letter clearly states upload information to portal. Despite this, I continue to receive contradictory messages telling me to contact different departments, including Loss Mitigation, even though the appeal instructions required me to upload documents through the portal. UWMs inconsistent communication, refusal to acknowledge submitted documents, and constant redirection have prevented my appeal from being reviewed. I am concerned these delays may put my home at risk of foreclosure despite my ability and willingness to resume payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: FL

Complaint narrative:
On XX/XX/year>, I entered into a written construction contract with XXXX XXXX XXXX for renovation work at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, New York. The written contract required the project to be completed within approximately 6 to 7 weeks. However, the contractor failed to complete the work within the required timeframe, and the project remains unfinished with multiple unresolved issues. I made multiple payments to the contractor totaling {$80000.00}. Despite repeated requests to complete the work, the contractor failed to perform the services within the agreed contractual period. I filed disputes with JPMorgan Chase Bank regarding charges made to this contractor, including disputed transactions of : {$10000.00} XX/XX/year> {$7000.00} XX/XX/year> Chase denied these disputes stating that the transactions were valid and authorized. However, the services paid for were not completed as agreed, and I believe that my documentation demonstrating non-completion of services was not fully considered. Reason for Complaint : I am requesting federal review because : The contractor failed to complete contracted services I provided documentation showing delays and unfinished work My dispute reconsideration requests were denied I believe the dispute review did not fully consider the failure to deliver services Requested Resolution : I respectfully request that JPMorgan Chase Bank conduct a full reconsideration of my dispute and review all submitted documentation showing that the contracted services were not completed within the required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
A declaration of loss was filed in regards to a cashier check that was cashed fraudulent by an individual ; not the intended party A dispute was filed with Bank Of America. Surrounding the fraud. I paid a individual {$3500.00} for a purchase and it was later determined by law enforcements and SLED that fraud was committed as the individual misrepresented themselves and falsifying documentations. Information was provided to the bank. No investigation was done and I the consumer was not provided with any information regarding. It appears the bank did not. incorrectly process my claim and did not take into consideration any documentation that was 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 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
my name is XXXX XXXX and I am writing this letter to dispute some things off of my credit report. It has come to my attention that XXXX credit card and the amount of {$980.00} has been on my report for some time, this account was open fraudulently due to identity theft I will be sending in a FTC report a utility bill, a bank statement, front and back copies of my social and ID to verify my address this is the second attempt Ive tried to get this off my report. I have a police report as well that I will be attaching. This item needs to be removed immediately from my credit report because it is not accurate. Ive talked to the actual credit company and Ive gotten nowhere with them. This account has been charged off already, but it is not supposed to be on my credit report due to identity theft. I would like it removed. I have the documentation to back up my claim, including in this letter I will ensure that I I put all requesting documentation inside of this letter. If you have any questions, please contact me at XXXX. I will be taking legal action. If these things are not removed from my credit report Ive contacted the credit bureaus multiple times trying to get this resolved. This is my last attempt. I will be ensuring I send everything that you guys are requesting from me. There should be no reason why this is not removed from my credit report if this does not work, I will be seeking legal action Against the credit bureaus after this letter is sent out I will be expecting a updated copy of my credit report with this removed from my credit history completely

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 non-monetary relief
Consumer complaint received 2026-04-16 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:
XXXX credit card has repeatedly refused to help me redispute a charge on my account despite me providing evidence '' ). I called on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Sadly I did not capture their names The reason they gave me was I had to continue with XXXX because they cant help me no more even with XXXX denying my claims with proof and everything I have supporting evidence Police report tracking number saying met with customer but there's a claim open with ups A screenshot of what I ordered A screenshot of the call day time A screen shot of XXXX asking for a police report A screenshot of XXXX denying my refund I am requesting a redispute of that XXXX charge totaling {$1400.00} and the removal of the associated late fee if there's any

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mortgage Research Center, LLC
State: MO

Complaint narrative:
This email is a formal written Request for Information under Regulation X, 12 CFR 1024, implementing the Real Estate Settlement Procedures Act ( RESPA ), regarding the status of my loan resolution and deed-in-lieu/closing process for the property located at XXXX XXXX XXXX XXXX. I am demanding a clear written response with the current status of the file, the specific actions remaining, and a confirmed projected closing date. I have been given multiple timelines and expected closing dates over the past several months, and each one has come and passed without completion. This has caused ongoing financial harm to me, and the lack of accurate information is unacceptable. Under 12 CFR 1024.36, you are required to provide a timely response to a borrowers written request for information relating to the servicing of the loan. This matter has now been pending for approximately three months, and there is no reasonable explanation for a title company to still be reviewing documents for this length of time without providing a concrete action plan. I need the following in writing : Current status of the file What specific documents or approvals are still pending Who is responsible for the delay The exact steps remaining before closing A firm estimated closing date If I do not receive a response with a clear action plan, I will file a formal complaint with the Consumer Financial Protection Bureau and any other appropriate regulatory agencies for failure to comply with Regulation X and RESPA servicing requirements. I entered this process in good faith and have relied on the representations made to me, but repeated missed dates and lack of communication have left me in a worse financial position. At this point, there is no justification for the continued delay, and the situation needs to be resolved immediately. I expect a written response within the timeframe required by federal law. XXXX XXXX After several other attempts after this email I sent them on XX/XX/year> I am getting zero response. Even when I call the number and speak with an agent. They tell me to reach out to XXXX and get the information for the title company so I can call them myself because XXXX and XXXX keep saying its the title company delaying. But XXXX will not give that information to me. I just want this completed. It is ruining me financially the longer this drags on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Management Solutions LLC
State: VA

Complaint narrative:
I am filing a formal complaint against Recovery Management Solutions for repeated harassment and improper third-party contact in violation of the Fair Debt Collection Practices Act ( FDCPA ). Beginning on or around XX/XX/year>, the company contacted multiple members of my family, including my mother and brothers, from the phone number XXXX, attempting to obtain information about me. These communications were unsolicited and caused distress to my family. I explicitly requested that the company cease contacting my family members, as they are not involved in any alleged debt. Despite this request, the company continued its behavior. On XX/XX/year>, Recovery Management Solutions again contacted my father and stepbrother from a different number, XXXX. This demonstrates a continued pattern of harassment and disregard for my request. At approximately XXXX XXXX on XX/XX/year>, I personally contacted the company and again demanded that they stop contacting my family and cease all third-party communications. Their continued actions constitute harassment and an invasion of privacy. Complaint Summary Repeated contact with third parties ( family members ) without consent Continued harassment after being explicitly told to stop Use of multiple phone numbers to continue contacting my family Causing distress and disruption to individuals not involved in the matter Requested Resolution I am requesting that : Recovery Management Solutions immediately cease all communication with my family members All future communication be directed only to me and in writing The company be investigated for violations of the FDCPA and any applicable consumer protection laws Appropriate action be taken to prevent further harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
We Are Trying To Restore Order In California Under The U.S. Constitution & Hidalgo De Guadalupe Treaty 1848 To Become Compliant To Restore Elections. We Are Victims Also Of Discrimination Based On Race_Gender_Disability_Religion Etc. The Issues Requested To Be Addressed Before Elections To Be restored Are As Follows With Supporting Documents, Requesting A CFR TITLE 5 Performance Check On The State of California Communist Secessionist Movement ; No 1_CH Missing Persons Report. No 2 Honorary Degrees & Missing Indian Nation People Who Earned These College Units, What Happened To Them? No 3_License Revocations Without Citations Or Court Hearings By DCA_BAR What Happened To The Technicians & Their Home & Business Properties? No 4_Foreclosures & Lien Sales, What Happened To The Registered Homeowners Of The paid Off Homes? No 5_Why Were Benefits paid To Incarcerated Inmates & Illegal Entry Migrants? Why Did California Implement The No Degree Requirement For Government Jobs? No 6_Why Was XXXX XXXX Allowed To Fill Annexation Forms Against The Minorities & Not Submit Them To DOJ For Approval As Required By Law? Etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: WI

Complaint narrative:
On XX/XX/year>, Robinhood closed my account citing unusual activity without prior warning and forcibly liquidated all of my positions without my consent, resulting in approximately {$25000.00} in losses. Robinhood currently holds {$100000.00} of my funds and has failed to return them. Robinhood provided nine ACH case IDs and claimed they submitted a return request to my bank, XXXX XXXX XXXX. My banks ACH Investigations department confirmed they have received no return request, pending transfer, or any communication from Robinhood. Robinhood has failed to provide proof or a date that the return request was submitted, has not addressed the {$25000.00} in losses from the forced liquidation, and used vague language suggesting I may not be eligible to receive my own funds despite having no negative balance. I have been contacting Robinhood support since XX/XX/year> with no resolution. Robinhood Case ID : XXXX.

Company response to consumer: Closed with explanation