vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 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: MD

Complaint narrative:
I am writing to formally escalate my claim regarding the original Trip ID XXXX and Airline Reference XXXX. I purchased my ticket using {$550.00} + XXXX Chase XXXX Rewards points through Chase XXXX. On the day of my return flight from XXXX XXXX to the XXXX XXXX, XXXX XXXX informed me that my reservation did not exist in their system due to an alleged payment or ticketing issue. As a result of this failure, I was unable to board my flight and was forced to purchase a new ticket at my own expense, my wife and daughter had to leave and left me behind. Additionally, due to severe weather conditions, I required additional travel days, hotel accommodations, meals, and transportation, with more than 13 changes and cancelation on my return. I also lost one full day of work as a direct consequence of this incident. I pay extra to have direct flight, but on my way back I had to do two connection, one in XXXX and XXXX in XXXX. Chase book a terrible and dirty hotel for me in XXXX. All supporting documentation was submitted on XX/XX/XXXX to Chase. I was informed that review would take up to two months. However, I was recently told that I must resubmit all documents on XX/XX/XXXX and that the review period would restart. I do not agree with restarting the review timeline, as all requested documentation was already provided. This matter involves : Ticketing failure Financial damages Loss of points Out-of-pocket expenses Loss of income Unreasonable claim delay I am requesting : Reimbursement of my replacement ticket - {$1900.00} Reimbursement of all documented travel-related expenses - {$63.00} Full reinstatement of XXXX Ultimate Rewards points Reimbursement of the cash portion originally paid - {$550.00} One day of work - {$240.00} Compensation for financial losses resulting from this ticketing failure I asked them to reply to me email to confirm my original XX/XX/XXXX submission is on file, that my claim review timeline will not restart, the expected resolution date, but they didn't reach out to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
Payments were done in full to the school in question. The school which is XXXX XXXX has since filled bankruptcy and closed down. My credits were not even transferrable. My degree was not validated. I also disputed this with school prior to closing, however years later, found out the debt was never shown to be payee or erased but in fact sold fraudently to debt collectors. Many calls/emotional tears of explanations, yet the debt is still there but its invalid. to clarify, Im really sorry youre dealing with this. Situations involving XXXX XXXX XXXX have affected thousands of former students in very similar ways, especially after the school shut down in XXXX. Lets break this down clearly so you know what options you may still have. Because XXXX XXXX was found to have misled students, the U.S. Department of Education approved widespread relief for many former students. In XXXX, the Department announced automatic loan discharges for many XXXX borrowers due to proven misconduct

Company response to consumer: Untimely response
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
My car was repossessed on XXXX. I picked up my personal items from the storage lot where my car was being held on Tuesday, XXXX XXXX. I paid the reinstatement balance in full ( roughly {$3000.00} ) on Thursday XXXX around XXXXpm. I was informed to contact the tow company to arrange for pickup the next day XXXX XXXX. On XXXX XXXX I contacted the tow company and was informed my car was no longer on the lot. I called Santander again, and they confirmed my car was being transported 4 hours away to the auction lot and that I'd have to wait for them to bring it back, which could take up to 7-10 business days. I was given the number for XXXX who also provided me dates that my car would be returned when I checked on the status. I was told the wrong dates several times, but still waited until the XXXX day before filing a complaint. Yesterday, XXXX was the XXXX day in which I called XXXX and they escalated my concerned, assuring me my car would be in the storage lot last night. I was able to contact the storage company this morning, on XXXX/XXXX/2026, and schedule a pickup appointment. I emailed them directly to see if I could pick it up today instead of XXXX. XXXX auto wrote me back stating they have the car, but the transporter did not provide the keys. I have gone a whole month without my car and this is a complete unreasonable delay. On top of that when I called to speak to Santander, I informed them they would not get my payment for XXXX until my car is returned and that I can not continue to wait for my keys. How can I make a payment if I can't get to work? The representative, XXXX, told me that " I should make my payments on time, if I didn't want this to happen. '' The comment was rude and uncalled for because my repo has nothing to do with them losing my keys. So I asked to speak with his supervisor XXXX # XXXX who apologized and transferred me to the correct department. I then spoke with XXXX # XXXX who escalated my concern to XXXX # XXXX who then said I would get a call back later while they work on a solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 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: U.S. BANCORP
State: CO

Complaint narrative:
I am filing this complaint regarding a {$1500.00} credit card charge from XXXX XXXX dated XXXX XXXX, 2025. I opened a dispute on XX/XX/XXXX2025 regarding this transaction. I later received a written denial stating that the merchant rejected the chargeback. The dispute was subsequently reopened. After reopening, I was verbally informed by phone that the dispute remained denied. I did not receive written confirmation of this final determination. On XXXX XXXX, 2026, I received a written email from XXXX XXXX XXXX XXXX stating : As your chargeback has already been approved in your favor This statement directly contradicts U.S. Banks position that the merchant denied the chargeback. I immediately contacted U.S. Bank and informed them that I had written confirmation from the merchant stating the chargeback was approved. I offered to provide the documentation. U.S. Bank refused to review or investigate this new written evidence, stating verbally that the deadline to reopen the case had passed on XX/XX/XXXX. I have not received written documentation confirming this deadline. There is now a documented conflict between : The banks stated denial, and The merchants written confirmation that the chargeback was approved. U.S. Bank has refused to investigate or reconcile this discrepancy.

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
the bank never returned my funds. I write this letter respectfully and in good faith to formally request the immediate release of {$100000.00} deposited into my Capital One business account on XXXX XXXX, 2025. This correspondence serves as a formal demand for resolution following the unexplained and prolonged retention of my funds. At the time my account was closed, I was advised by Capital One representatives that any internal review would be completed within 30 to 60 days. That timeframe has now passed, and more than 90 days have elapsed since the deposit. During this entire period, I have received no written correspondence, notices, determinations, or explanations from Capital One whatsoever regarding the status of my funds. As a result, I have been left entirely in the dark concerning the whereabouts of my money and the basis for its continued withholding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Account XXXX XXXX Bank of America I received a XXXX from Bank of America recently in the amoiunt of {$10000.00} When I called the bank they were not able to identify this account are why I received the XXXX but after several weeks I was told it was a credit card that was charged off in 2018. I have had more than 10 hours conversation with the bank about disputing this account but they will not help me. I was told in the beginning they could send me copies of the statements and now I am being told that they can not and will not and hung up on me. They told me I should dispute this account as possible fraud. They told me they had no record of ever trying to contact me about this account and now they are telling the did but still will not provide me with any proof this was my account. They will not send a copy of any written contract that I supposedly Signed. This XXXX affects my Social Security payments and creates a tax burden

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 2026-03-04 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony bank/XXXX XXXX has been over charging my account with a purchase of a couch. I feel like this has already been paid in full. I have reached out to them numerous times. They are trying to double charge me for a couch that I had paid off last year.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Receivables, Inc.
State: SC

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by Collection Receivable IncXXXX that continues to appear on my credit report even though the debt has already been paid and resolved. The account in question was placed with Collection Receivable Inc. for collection. I took responsibility for the matter and paid the debt in full in order to resolve the obligation and prevent any further collection activity. After satisfying the balance, I expected the company to update the status of the account appropriately and take the necessary steps to remove the collection from my credit report. However, despite the debt being paid, Collection Receivable Inc. has not taken action to remove the account from my credit report. The continued reporting of this collection account is negatively impacting my credit profile and financial opportunities. It is discouraging that even after resolving the debt responsibly, the company has not corrected or removed the account to reflect the accurate status. Under the Fair Credit Reporting Act ( FCRA ), companies that furnish information to credit reporting agencies have a legal obligation to ensure that the information they report is accurate, fair, and properly updated. Continuing to report a collection account without reflecting that the debt has been satisfied, or refusing to work toward its removal after payment, creates an unfair and harmful impact on my credit history. I have made attempts to resolve this issue directly with the collection company, but the account remains on my credit report. This ongoing reporting is preventing my credit report from accurately reflecting my financial behavior and responsibility. Because the debt has already been paid and resolved, I believe the continued reporting of this collection account is unjustified and damaging. I am requesting that the Consumer Financial Protection Bureau review this situation and assist in ensuring that Collection Receivable Inc. properly addresses this matter. My requested resolution is that Collection Receivable Inc. remove the paid collection account from all credit reporting agencies and update my credit file so that it accurately reflects that the obligation has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FTC REPORT NO : XXXX My First & LAST name, My Street NUMBER & Street NAME and My City and State are as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TODAY IS : XX/XX/XXXX2026 PLEASE DELETE THE INACCURATE NAMES BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE INACCURATE ADDRESSES BELOW : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Per my rights under the FCRA, please provide the contact information for the third party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau. BANKRUPTCY CHAPTER XXXX XXXX REFERENCE NO : XXXX DATE FILED XX/XX/XXXX2019 Please remove it from my credit report.

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 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
On XXXX XXXX, 2025, I paid {$540.00} by money order to my former leasing office as instructed. The final statement originally listed {$750.00}, but the property manager provided a settlement option of {$540.00}, which I paid. On XXXX XXXX, 2026, the property manager issued a written confirmation stating that the outstanding balance has been paid in full and the account is settled and closed with a {$0.00} balance. Despite this written confirmation, IQ International continues to call me repeatedly demanding payment. During recent calls, I was told that if I do not make another payment, they will ruin my credit and report me. I informed them that the account has been officially closed and that I have written proof from the leasing office, but they continue collection attempts. I believe this is an attempt to collect a debt that is not owed and includes threats of negative credit reporting despite confirmation of a zero balance. I am requesting that collection activity cease immediately and that this matter be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 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: KY

Complaint narrative:
I am filing this complaint regarding a fraud incident involving my Chase Bank account and XXXX XXXX. On XXXX XXXX at XXXX XXXX I received a phone call from someone who identified themselves as a representative from Chase Bank Fraud Dept. The caller ID displayed what appeared to be Chase Banks Fraud legitimate phone number, which led me to believe I was speaking directly with my bank. Because the number appeared legitimate and the caller presented themselves as a Chase representative, authenticated, I trusted the instructions I was given. During the fraudulent call, the individual asked me to confirm my XXXX XXXX username and review my transaction history. While on the phone, I accessed my XXXX XXXX account and confirmed that funds had been transferred from my Chase account to my XXXX XXXX account. Those funds were then transferred from XXXX XXXX to an unknown third party. At the time, I believed I was cooperating with Chase Bank to verify and resolve suspicious activity. I did not know that the caller was impersonating Chase Bank as part of a scam. The caller used a spoofed phone number that appeared to be Chase Bank in order to gain my trust. The call dropped for some unknown reason, so I called back. The representative said no one from Chase Fraud Dept called me and advised me to go to my branch. I immediately went to my branch and filed a claim. My funds were put back into my account a few days later. Cash app sent me an email XXXX XXXX and denied the claim, but I wasn't too concerned about them because Chase reimbursed and advised me not to worry about XXXX XXXX. Well, this morning ( XXXX XXXX ) the claim was reversed by Chase. The explanation provided was that I confirmed my XXXX XXXX username and accessed my transaction history, which they interpreted as authorization. I respectfully disagree with this conclusion. My actions occurred because I believed I was speaking with Chase Bank and was following instructions from someone I believed to be a bank representative. I never knowingly authorized money to be sent to an unknown individual. The funds were transferred from my Chase account to XXXX XXXX and then immediately sent to an unknown party that I do not know and did not intend to pay. This situation involves impersonation fraud and caller ID spoofing. I am requesting that this matter be reviewed again and that both Chase Bank and XXXX XXXX investigate the fraudulent activity and the receiving account. Today I also filed a complaint with XXXX Metro Police Dept. This incident has caused significant financial and emotional stress. I respectfully request assistance in reviewing this matter and determining whether additional protections or recovery options may be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
My mortgage was sold in XX/XX/year>. XXXX was the company that serviced my loan ; now it has been transferred to Amerihome. With XXXX, I had a bi-monthly payment plan where I would pay bi-weekly an amount of {$2200.00}. On your XXXX statement, XXXX was holding {$2500.00} in a suspense account. These funds were labeled " Partial Payment Unapplied, '' meaning XXXX had the funds but hadn't officially applied them to my loan balance yet. When the transfer happened, these funds were not listed in the Amerihome XXXX statement. The amount was neither applied towards the principal nor towards the next monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am the cosigner on a car for my nice she is making the payments on time but BMO HARRIS keeps sending out emails to me saying the payment is late she email their return email showing when it is payed and it is always on time.in XXXX of XXXX I received XXXX late notices .I sent a copy of her payment showing it was payed on time XX/XX/XXXX and said I think they are trying to get more money from me and I through all the late notices where herrasment. I got no response all I got is a reminder say XXXX payment was late I have try to tell them I am just the cosigner. They do not care I had a loan with then years ago never made a late payment but they always told me I was I finally refinanced just to get away. My nice can not do is

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