vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Financial Freedom Group, LLC
State: MA

Complaint narrative:
I joined Debt Blue in XXXX. I was promised in a few months my account would be settled and I would be able to see everything on my portal. I was only settled with one company and they are not even making the payment to that company and they have reported me again as late payment I have received offers from some of my other credit cards in which I had forwarded to them and got no response. I can not get in my portal and when I get in, I cant see anything. I have emailed them multiple times and I get no response my monthly payment has gone up and theyre doing nothing but charging me all kinds of fees that I cant even see what they are on the portal. My Credit is now way below what it was and also I never missed a payment and had good payment history now I have all late payments and missed payment. My account accounts are all flagged as Nonpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding a personal loan account with XXXX. I made multiple attempts to resolve this debt and requested information about my balance and payment options. I was willing to set up a payment plan because I wanted to resolve the account in good faith. However, I was unable to get proper assistance. The company did not provide clear or reasonable payment options and required phone communication, which was not effective for me. I also experienced a language barrier, as I was not able to receive support in XXXX, which made it very difficult to communicate and resolve the issue. I made good faith efforts to resolve this matter, but the company did not offer accessible or workable solutions for me to manage the debt. I am requesting a review of this account and appropriate action based on my attempts to resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This complaint involves fraud that was visited upon me and I allowed to happen because the scammer had sensitive info from ChaseBank that Chase bank will not be responsible for. They refuse to accept their culpability in this scam. The scam that happened to me is something you can XXXX called the government scam. It specifically list Chase Bank. They absolutely have to know about this scam using their name and my personal banking information and yet no warning was ever issued about this scam and now they just want to walk away and leave me with this loss. I believe Chase needs to be held accountable to me And to all of their customers who are absolutely vulnerable to this scam. I want Chase to make me whole again because they did not protect my information. And I want them to notify their members if this scam which uses their name and their members info. I am XXXX XXXX XXXX, so this falls under exploitation of the elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 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: Selene Holdings LLC
State: AL

Complaint narrative:
I have appealed a modification denial and have emailed a workout offer but hear nothing. I choose email over phone calls because I can keep a record of communication. If they force me into bankruptcy, it will just drag things out even more. They call me but I do not want to communicate that way because I can not keep a record of our conversation.I am also applying for a reverse mortgage which would change the whole outcome. They have refused to help me with a modification which is the basis for this new complaint. I told them I want to keep the mortgage and work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc
State: MN

Complaint narrative:
I received call about debt., i explained that I did not know that I owe a debt to this company. And to send me a authorize, signed contract for this debt with this company. I never receive it. I wanted a detailed list of history of payments to this account. Also I wanted to see a signature on contract to pay this creditor. I also asked to see if there has been any insurance. Claims filed on this debt. And proof you have a chain of title to collect on a debt through a company. I know nothing of. How can I owe a company? I know nothing of who I did not authorize. What out my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year> I was purchasing a ticket to my sisters funeral from a company who said that they were XXXX XXXX. They changed me {$640.00} for which I immediately gave my credit card number. I explained to the agent ( XXXX XXXX ) that my son may be needing a ticket as well. She gave me what she said was her directly line for him to call. When I called my son to let him know about this, he said no thats too much I just got a ticket for less than half the price. He asked if I wanted him to get one for me at the much lower price. I agreed. Immediately I called back to XXXX XXXX telling to cancel the reservation. She was very angry and said she had to charge me a cancellation fee, of $ XXXX. I agreed. All of this took less that XXXX minutes. I called the credit card company- Citibank and said not to put through the charge for $ XXXX.The agent said that it had not hit the bank yet. I explained to him that I was leaving for the funeral and wanted to make sure that charge DID NOT go through. He told me dont worry XXXX XXXX , Citibank has your back. I was gone out of the XXXX for 4 days. Upon my return I checked and they claimed nothing came through. The scammers reported the amount in two increments {$420.00} and another for $ XXXX I had started contacting the scammers several times a week as well as Citibank . The scammers even said that they would send me alive check for the full amount. Spoke to several people at both places Then the scammers disconnected the 2 numbers which they had given to me. And Citibank kept sending me letters and telling me to contact the merchant. All the emails to Citibank are not going through after checking several times as to what they are. Please help me get my money back. They are also using incorrect dates.

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 2026-04-19 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: NY

Complaint narrative:
I am submitting this complaint regarding XXXX denial of my fraud claim involving unauthorized credit card transactions. 2 transactions totaling {$1400.00}. On XX/XX/year>, I was the victim of an incident in which I was XXXX after being XXXX an XXXX XXXX at a venue. During this period of XXXX, multiple transactions were conducted using my device via XXXX XXXX within a short timeframe. I reported the incident promptly after discovering the charges. I also filed a police report, which documents that XXXX were used as a XXXX and confirms that the matter is under active investigation. I sought medical attention immediately following the incident due to sudden XXXX. Despite providing XXXX with : a full police report and a consistent account of events XXXX denied my claim twice, including after a reinvestigation. XXXX determination appears to rely solely on the fact that the transactions were completed using my device. However, this reasoning does not address the central issue : whether I had the capacity to provide valid authorization. At the time of these transactions, I was XXXX and not in a condition to understand or knowingly consent to any payments. Authorization requires meaningful awareness and intent. Physical interaction with a deviceor transactions completed through a devicedoes not constitute valid authorization when the account holder lacks the capacity to make informed decisions. Additionally, the transactions occurred within a short period and are not consistent with my normal spending behavior. The police report confirms that this incident involved the use of XXXX and is being treated as a criminal matter. By focusing only on device usage and disregarding the documented circumstances of incapacitation and an active police investigation, XXXX has failed to properly evaluate the totality of the situation and has incorrectly classified these transactions as authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX the account was deleted off of my in XXXX days later reappeared back on on my credit report after deleting I have the dispute information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 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: Ocwen Financial Corporation
State: IL

Complaint narrative:
XX/XX/2026 my mortgage balance is approx XXXX I received a mortgage reinstatment offer for XXXX and a mortgage deferral modification for a non interest balloon payment due at the end of the mortgage in the amount of XXXX The XXXX inlcudes XXXX in mortgage payment arrears, and XXXX in attorney and misc fees. Onity/PHH mortgage does not pay the taxes or insurance Escrow on my mortgage. Therefore, why was I offered a balloon payment deferral in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Coinbase, Inc.
State: CO

Complaint narrative:
Coinbase is doing illegal actions with fraud. First they entered my computer electronically without notifying me and also did not ask for my approval. With entering my computer they then stole my Checking Account information from the Bank I am with. And with stealing my Checking account information they also stole money. Doing lots of stealing without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I disputed this debt and requested full validation from Debt Recovery Solutions , LLC. I specifically requested the original creditor information, account details, total amount, a signed agreement, and proof of their authority to collect, including the chain of assignment. The company responded claiming that full documentation was provided, however they only sent a partial document and failed to provide proof of ownership, full account history, or proper validation of the debt. As of today, the debt remains unverified. I believe the company is attempting to collect a debt without providing sufficient evidence that the debt is valid or that they have the legal right to collect it. I request that the company provide proper validation or cease all collection activity and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: ME

Complaint narrative:
I entered into a financing agreement for a heat pump installation from XXXX XXXX XXXX XXXX, financed through Service Finance Company , LLC ( a subsidiary of Truist Financial Corporation ), based on the expectation that the system would be properly installed and perform as intended. The system has not performed as designed. The installing contractor acknowledged in writing that the design of the heat pump is not performing the way intended. Despite this, the financing was fully disbursed and I was billed for a system that is not functioning as represented. Because the underlying service is defective and disputed, I do not believe this debt is valid. I previously raised this issue, including through a prior complaint to the Consumer Financial Protection Bureau, but it was not resolved. The account is currently being reported as a charge-off/collection with a balance due. This reporting is inaccurate and misleading because the debt is actively disputed and arises from services that were not properly delivered. I request that Service Finance Company , LLC : 1. Provide documentation validating the debt, including evidence that the installation was completed correctly and is functioning as agreed ; or 2. Remove this tradeline from all credit reporting agencies. Until this dispute is resolved, reporting this account as a valid charge-off is inappropriate.

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 2026-04-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.

Complaint narrative:
This is the XXXX complaint I am filing for the same reason and the same organization. The last complaint received a response from the organization ( attached ) and my loan payment history still does not reflect what they said they did or they would do. The XXXX screen shots I just took still does not show my XXXX payments of {$270.00} in XXXX XXXX. There should be a total payment of {$550.00}. This is quite frustrating how a financial organization, a student loan XXXX can keep making such mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX Account XXXX : ( as reported ) I am disputing the accuracy and completeness of the above-referenced account. This account is currently being reported as a charged-off account with an outstanding balance. However, this debt was resolved through a settlement with a third-party law firm ( XXXX XXXX XXXX XXXX XXXX As such, the continued reporting of a past-due balance appears to be inaccurate and misleading. Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i, I am requesting a reasonable reinvestigation of this account. Specifically, I request verification and correction of the following : The current balance being reported The account status ( which should reflect settlement or paid status if applicable ) The date of first delinquency A complete and accurate payment and charge-off history Please provide documentation supporting the accuracy of the reported balance and status, including records from the original creditor and any third-party involved in the settlement. If the account has been settled, it should not be reported with an outstanding balance. If you are unable to verify the accuracy of the reported balance and status with competent documentation, this account must be corrected or deleted. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of this account, including the method of verification and the entity that furnished the information. I request that this matter be investigated and corrected promptly in accordance with the Fair Credit Reporting Act.

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 2026-04-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: AMERISAVE MORTGAGE CORPORATION
State: WA

Complaint narrative:
I was directed by a scammer to Amerisave specifically. I took out a home equity loan with Amerisave it was initially for XXXX percent for {$200000.00}. As it got closer to close things changed and it went to XXXX for {$230000.00} with lots of fees and complications. They would call me or email me daily. Now I have this loan and they transferred it such that I do not even know who to pay because they gave me a number that doesn't recognize my loan and they say not to pay them anymore. Further I have reached out to them with about XXXX emails and they ignore them and don't respond back. I am XXXX months into my loan and I feel I have been bait and switched and taken advantage of because of my desire to get a loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint regarding the handling of my mortgage loan assumption application by JPMorgan Chase Bank. My husband, who was the sole borrower on the loan, passed away in XX/XX/year>. Under his will, ownership of the property transferred to me. I was already on title, and Chase has formally confirmed me as a successor in interest. Beginning approximately XXXX months ago, I applied through Chases XXXX XXXX department for a loan assumption. Since that time, I have repeatedly submitted all requested documentation, often multiple times, in response to ongoing requests. After XXXX months of submitting every document they requested, in duplicate and triplicate, Chase has issued denials based on information that was factually incorrect. Each time I provided documentation disproving the stated reason, I was asked to resubmit materials or was told my application would be re-evaluated. Most recently, I was informed that Chase would need more time to find a reason. Was was said on a recorded line, a valid reason for denial and respond within three days. It has now been several weeks, XX/XX/XXXX, I have received no response. This process has now extended to approximately XXXX months, despite my full cooperation and repeated compliance with all document requests. I believe Chase has failed in its obligations under federal mortgage servicing rules, including : Failure to exercise reasonable diligence in processing my application Providing inaccurate and inconsistent reasons for denial Failure to provide a timely and clear decision Prolonged and unjustified delays in evaluating a confirmed successor in interest For context, I am financially well-qualified for this loan : Credit score above XXXX Annual income of approximately {$64000.00} No outstanding debt ( credit cards paid in full monthly ) Approximately {$55000.00} in savings and {$58000.00} in a XXXX ( k ) Current loan balance is approximately {$130000.00} on a property worth approximately {$600000.00} Given these facts, there appears to be no legitimate basis for the prolonged delay or shifting denial reasons. I am requesting the following : Immediate and proper evaluation of my loan assumption application A clear and accurate written decision If denied, a complete and specific explanation supported by underwriting documentation that is accurate. No more false reasons All notes, records, and criteria used in evaluating my application I am also requesting that Chase correct any errors in my file and ensure compliance with all applicable federal servicing requirements going forward. I have already lost XXXX months in this process causing extreme XXXX and need an immediate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have disputed this online, it is back up within XXXX hours, I get an email saying it is open but they will not allow me to dispute again. It says open but it is not or I would not get the email saying denied due to accurate. I asked to show me how they got the accurate filing method, or XXXX or any documentation from the credit person to prove and I am getting nothing. I believe this is a generic email and they are not doing their job.. I have called it is usually someone that can't help and tells me to call the person that reported it because that is all they can do. NO HELP AT ALL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I am writing to formally complain against American Express regarding the unfair forfeiture of my accumulated Membership Rewards points. My account ( ending in 2006 ) was recently cancelled by the issuer without prior notice. Following the cancellation, I received an official email from American Express stating : " You can redeem any earned Membership Rewards points within 90 days of the date of this letter by calling XXXX. However, when I called the provided number, the representatives refused to honor the XXXX redemption period stated in their own written communication, claiming it only applies to New York residents XXXX The written notice I received does not explicitly state that the XXXX redemption period for Membership Rewards is EXCLUSIVE to NY residents ; it presents it as a standard procedure for the cancellation of the rewards program associated with my account. Furthermore, footnote # XXXX of the same email discusses redemption timelines for " the Card Member '' generally, not limited by geography. The sudden seizure of my entire earned points balance without allowing the redemption period promised in their correspondence constitutes an unfair and deceptive practice. I request that American Express discloses my final points balance and honors the XXXX window to allow me to transfer these points to a partner loyalty program ( XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation