vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Friday, XX/XX/XXXX, I received my regular payroll direct deposit into my Chase Bank checking account ending in XXXX. From the beginning of my shift that morning, I was physically present at my workplace, XXXX XXXX XXXX, located in XXXX, CA. At approximately XXXX XXXX, I attempted to process my routine bill payments online. Several of these transactions were unexpectedly declined. Prompted by the declines, I immediately logged into my Chase mobile banking application to review my account activity. Upon reviewing my account, I discovered my available balance had been reduced to exactly XXXX. I identified an unauthorized ATM withdrawal in the amount of XXXX that had occurred earlier that morning. The transaction on my statement reads : ATM WITHDRAWAL XXXX XXXX XXXX LA. Because this was an ATM withdrawal that required a PIN, and my physical debit card was in my possession while I was at work, I believe my card information and PIN were skimmed or cloned by an unknown party. I did not authorize this transaction, I do not know who initiated it, and I was not at the ATM location when the withdrawal occurred. I immediately contacted Chase Bank customer service to report the fraudulent activity. The representative froze my compromised card, issued a provisional credit for the XXXX, and opened a formal fraud investigation Chase Claim Number : XXXXChase advised me that this investigation is ongoing and the provisional credit could potentially be reversed depending on their findings. As a result, I am currently unable to safely use these funds to pay my outstanding bills for fear of overdrafting my account if the claim is reversed. I am filing this police report to formally document the theft of XXXX, establish my alibi at work during the time of the theft, and that I had my card on hand during the time the theft occurred and to assist with the ongoing bank and police investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX company placed a lien against a property I own. The lien is for debt incurred by tenants who were purchasing the home on land contract. Those tenants have defaulted on the land contract and left the property legally signed over rights to the property. The property was never owned by the tenant who incurred the debt I contacted service finance company in an attempt to settle the debt and have the lien removed. I have made several contacts to several different agents of the company in hopes of getting the balance due a payment option ultimately a resolution. I have stated my intent and willingness to pay the debt, even though it is not mine in order to remove the lien. I have spent over a month contacting this company. I still dont have any information or any justification for how a lien could be placed on my property for debt thats not mine, I havent been provided with a payoff amount or a manner in which to pay off the outstanding debt.

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 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX issued a refund of XXXX XXXX ( approx. {$2500.00} USD ) to my XXXX XXXX ending in XXXX. The original transaction occurred on XX/XX/XXXX ( Booking Ref : XXXX ). Despite receiving confirmation from the merchant that the funds were sent, the refund has not appeared on my statement. I have contacted both XXXX and Wells Fargo multiple times. I am being caught in a loop where each party claims the other is responsible. It appears this refund was processed during the XXXXWells Fargo system migration, and the funds are likely residing in a suspense account or unapplied credit ledger at Wells Fargo . I have the merchant 's refund confirmation and reference number ( XXXX ). I am requesting that Wells Fargo locate these funds and either credit them to my current account or issue a refund check immediately.

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 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Stuart-Lippman and Associates, Inc
State: MI

Complaint narrative:
Beginning on or around XX/XX/year> and continuing through XX/XX/year>, XXXX XXXX placed multiple calls to me, including on XX/XX/year>, XX/XX/year> ( multiple times ), XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. These calls were frequent and excessive in nature. During these communications, I made multiple good-faith attempts to resolve the matter by requesting a reasonable payment plan. Instead of working toward a resolution, XXXX XXXX engaged in aggressive and coercive behavior. Specifically, he stated that if I did not immediately satisfy the alleged balanceby obtaining a loan from a family memberhe would contact regulatory authorities, including FINRA and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in an effort to have my professional license terminated. He further made statements implying that he would personally ensure this outcome. These statements are misleading and inappropriate, as a debt collector does not have the authority to directly terminate a professional license or take such action unilaterally. Additionally, during one of the calls, while I was actively attempting to establish a payment arrangement, XXXX XXXX abruptly disconnected the call, preventing any opportunity to resolve the matter. His tone throughout multiple interactions was dismissive and unprofessional, including laughing while referencing the potential loss of my license. This conduct appears to violate the Fair Debt Collection Practices Act, including but not limited to : 15 U.S.C. 1692e False, deceptive, or misleading representations 15 U.S.C. 1692e ( 5 ) Threatening action that can not legally be taken 15 U.S.C. 1692e ( 10 ) Use of deceptive or misleading means to collect a debt 15 U.S.C. 1692d Harassment or abuse, including repeated calls intended to pressure or intimidate 15 U.S.C. 1692f Unfair or unconscionable means to collect a debt I made multiple good-faith efforts to resolve this matter, but the conduct described above reflects ongoing harassment, coercion, and improper collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: MI

Complaint narrative:
Currently in Michigan, there are no physical locations to deposit cash or checks via ATM for USAA. I requested the information on when they could expand to include those locations in the state of Michigan and was told it was not going to happen. In other words, they refused to provide any information on expanding their ATM network to be able to provide service to the state of Michigan, that other state states and customers have. Other customers of USAA have the opportunity to use ATMs to deposit cash and checks while those residents and customers living in Michigan do not.

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 2026-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Chaplin & Papa, P.C.
State: NC

Complaint narrative:
I am submitting this complaint regarding unfair and deceptive debt collection and litigation practices by XXXX XXXX XXXX XXXX and its legal representatives. The alleged debts consist of two credit card accounts and one auto agreement account originally associated with XXXX XXXX XXXX XXXX. These accounts were later purportedly acquired by XXXX XXXX XXXX XXXX, with whom I have no direct contractual relationship. I never entered into any written agreement with XXXX XXXX XXXX XXXX. The alleged obligation is based solely on a claimed assignment of debt. I submitted written requests for debt validation on two occasions to a law office in XXXX, Virginia. That office refused to provide adequate validation and instead stated that there was no obligation to comply with what they described as excessive verification demands. I later received a collection letter from a law office in XXXX, North Carolina demanding payment. I submitted a validation request to that office as well. I subsequently discovered that the North Carolina office had already filed a lawsuit in XX/XX/XXXX, prior to providing adequate validation of the alleged debt. After becoming aware of the lawsuit, I requested proof of a valid written agreement between myself and XXXX XXXX XXXX XXXX. No such agreement was provided. Instead, the law firm, Chaplin & Gonet, provided documentation consisting of statements from XXXX XXXX XXXX XXXX. These documents were redacted and generic in nature and did not establish any direct connection between me and XXXX XXXX XXXX XXXX. The documents failed to : Demonstrate a contractual relationship with XXXX XXXX XXXX XXXX Provide a complete chain of assignments Identify my specific accounts within any alleged transfer Provide unredacted information necessary to verify ownership Additionally, the respondents rely on a generic Bill of Sale and Assignment that purports to transfer a pool of accounts. However, this document does not identify my specific accounts and does not include unredacted account-level schedules. The Bill of Sale also excludes prior payments before XX/XX/XXXX, raising concerns about the accuracy of the balance being claimed. Despite these deficiencies, collection efforts and litigation have continued. This conduct appears to involve attempts to collect a debt and pursue legal action without sufficient documentation, validation, or proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: MO

Complaint narrative:
Hunter Warfield has been consistently calling my phone and contacting me through my college email in regard to a bill that belongs to someone else. They sent me a bill making it look like I was the sole person at this property when the property was originally rented to a XXXX XXXX. The landlord XXXX XXXX is very unprofessional I told him that if XXXX vacated the premises and moving out put me on the lease. I had a protection order against XXXX we couldn't be under the same roof. I went to inspect the apartment there was ceiling paint falling and getting on the floor. I reported this and have pictures of the apartment I have children he did not make any repairs. I told XXXX XXXX had showed up at the apartment and to change the locks. XXXX told me that he was not changing the locks and told me to leave his property I called him by phone and told him to take me off the lease he failed to do so. His exact words in an email told me that he rented the apartment to XXXX XXXX and that I needed to leave. He unlawfully evicts me I reported XXXX to the police and the local authorities said that XXXX couldn't evict me based off a protection order and that was illegal in Missouri.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I owed FCO a balance from a prior renter 's debt I owed. I contacted them in XX/XX/XXXX to settle the debt and have it removed from my credit record. I paid them and understood that the debt would be removed. The original balance was {$1000.00}, and I agreed to pay {$760.00} in exchange for settlement and deletion. On XX/XX/XXXX, I contacted them again, as the debt was still present on my account, showing settled but still existing. This was not what I understood from the conversation with my representative of my account with FCO, XXXX. On XX/XX/XXXX, I spoke with XXXX again and asked him how we could remedy the situation, and I was told he could not delete the debt. I asked to speak to a supervisor and I was put on hold for 15 minutes. After that period of time, XXXX came back on the phone and said his supervisor was not available. He gave me two options - I could either call back at a later time, or I could request a call back from the supervisor. I opted for a call back from the supervisor and gave XXXX my number. I did not hear back from XXXX or his supervisor at all. On XX/XX/XXXX, I called FCO back to see if I could speak to someone else. The person I spoke to told me that they could not delete the debt, so I again asked to speak to a supervisor. I ended up talking to someone named XXXX, who was very hesitant to provide me any other contact info. She also told me she was not able to pull any information on my debt. I asked to speak to her supervisor, and she did not want to give me the number, but I pushed for it and ended up speaking to XXXX XXXX, who told me that there was a company policy that they never do pay-for-delete situations and there was not a way for me to have the record removed. I offered to pay the remainder of the balance ( {$1000.00} - {$760.00} ) in exchange for record removal, and there was no resolution offered still.

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 2026-04-15 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/XXXX, I began a vehicle rental with XXXX XXXX and was offered an optional Damage Waiver described as {$27.00}. The pricing was not clearly disclosed as a recurring daily charge at the point of sale, and it reasonably appeared to be a one-time fee. Based on this understanding, I accepted the coverage. On XX/XX/XXXX, at approximately XXXX XXXX, I discovered that the Damage Waiver was being charged on a per-day basis. I immediately contacted the rental location and requested cancellation of the coverage. Call logs support this request. Following the cancellation, the Damage Waiver charges stopped. No charges were applied on XX/XX/XXXX, or XXXX, confirming that the cancellation was processed and that the service was no longer authorized after XX/XX/XXXX. On XX/XX/XXXX, at the time of returning the vehicle, I requested removal of the prior charges due to the lack of clear disclosure of the daily recurring fee. I was advised that the matter would need to be handled by the billing department. Between XX/XX/XXXX and XX/XX/XXXX, I made multiple attempts to resolve the issue through phone calls to both the rental location and corporate billing lines. During these communications, I was ultimately informed that no refund would be issued because an electronic signature was on file. A billing dispute was submitted through Chase Bank requesting a partial credit of {$190.00} for the charges incurred prior to cancellation. The dispute was denied twice. The denials did not address whether the daily recurring nature of the charge was clearly and conspicuously disclosed at the time of acceptance, and instead relied solely on the existence of an electronic signature. This issue is based on the incomplete disclosure of a material pricing term. The recurring daily nature of the Damage Waiver was not clearly presented prior to acceptance, preventing informed authorization. The charges incurred prior to cancellation were the result of this lack of disclosure. I am requesting a reinvestigation of the dispute and a partial credit of {$190.00}. I also request documentation demonstrating that the daily recurring charge was clearly disclosed and acknowledged prior to acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: VA

Complaint narrative:
Global Lending has contacted me 3 times in past year, most recent today. I do not have a loan with them and they clearly state each tine they are looking for my neighbor and want me to tell him to call them. I do not give a flying monkey XXXX what they want I will not tell my neighbor to call them and they have NO business knowing my phone number and harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us bank lost my taxes returns for XXXX and XXXX in the amount of XXXX $ and now they act like they don't know what I'm talking about

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 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Transworld Systems Inc. contacted me on XX/XX/year> attempting to collect an alleged XXXX XXXX debt of {$2300.00}, their account number XXXX, XXXX account number XXXX. I am disputing this debt in full for the following reasons : First, this account is connected to identity theft documented in my FTC Identity Theft Report number XXXX filed XX/XX/year>. The address associated with this XXXX account XXXX XXXXXX/XX/XXXXXXXX IL XXXX has been identified as fraudulent and removed from my XXXX credit file. Second, this debt was previously assigned to XXXX XXXX XXXX who failed to validate the debt upon my written request and transferred the account to Transworld Systems while my validation request was still pending a violation of 15 U.S.C. 1692g ( b ). Third, the balance increased from {$2000.00} to {$2300.00} with no documentation or legal basis provided for the {$240.00} increase a potential violation of 15 U.S.C. 1692f ( 1 ). I am requesting that Transworld Systems cease all collection activity, provide full debt validation, and delete all reporting associated with this account from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: WI

Complaint narrative:
I purchased an item from XXXX with Klarna 's buy now pay later credit. I finished paying off the item which was {$490.00}. I returned the product on XX/XX/year> and never received my money. I called that day to confirm I would receive my money and they assured me no later than XXXX weeks from return date. I reached out on XX/XX/year> to report that I never received my money back, and initiated a return report so they could investigate. I submitted picture of my return receipt and called XXXX around that time and they confirmed they sent the money back to Klarna. I called Klarna again and they told me I needed to wait 28 days before escalating my case so I called on XX/XX/year> and was told it would escalate on XX/XX/year>. From my understanding, it was escalated and was told I would be contacted but nobody has reached out. I called Klarna again XX/XX/year> and they cancelled the escalation and set up another report return and a complaint. They refused to give me a timeframe for how long it would take before I receive response from anyone. Refused to give me any other contact numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: UT

Complaint narrative:
I received my letter directly from the Dept of Education stating that my student loans with XXXX XXXX were fully discharge due to their fraudulent practices with federal student loans. I have called almost a XXXX times since receiving the discharge letter and keep getting the run around. They won't accept the letter from me and said they need it to come directly from the Dept of Ed and they have submitted the letter yet they still act like they have not received anything. They continue to report on my credit and it's been over a year since I was formally XXXX. I had all my loans under XXXX and then was told XXXX sold/transferred my loans to XXXX other providers : Mohela and XXXX. XXXX received the discharge letter in XX/XX/year> the same time Mohela was given my letter from XXXX XXXX XXXX. And they immediately XXXX my loans in accordance to the Federal lawsuit ordering it to be XXXX. Why has Mohela not done the same?! They have been holding my credit XXXX for over a year against a federal order telling them to discharge it. This delay has prevented me from being able to buy a home and have the XXXX XXXX XXXX I deserve. I have made calls, I have provided the letter which is directly from the Dept. Of Ed., I have done everything I can and at this point I'm thinking Mohela needs to be sued again for failing to follow a federal court order to stop trying to collect and for continuing to report this XXXX debt on my credit report for over a year after receiving the letter. I demand action and the honoring of this discharge right away! There is no reason they should be holding my XXXX XXXX XXXX by reporting false information and continuing to try to collect a debt I'm being told not to pay because it is considered fraudulent. If anything I deserve compensation for all the time making calls, stress and set backs that thru have caused me and I'm sure hundreds of others.

Company response to consumer: Closed with explanation