vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Chase Bank confirmed fraud on Credit Card but denied XXXX reimbursement for the EXACT SAME SCAM. 

I am a victim of a coordinated scam involving a fake merchant " XXXX XXXX XXXX XXXX ''. The merchant demanded a total of {$4900.00} but instructed me to split the payment to evade detection. 

1. The Contradiction ( Crucial Evidence ) : Credit Card ( {$2900.00} ) : On XX/XX/year>, a charge was made to this merchant. Chase Bank 's Credit Card Fraud Department investigated, confirmed the merchant was misclassifying their business ( Transaction Laundering ) to bypass XXXX XXXX XXXX and refunded this amount to me. 

XXXX ( {$2000.00} ) : On XX/XX/year>, I was instructed to send {$2000.00} via XXXX to the SAME scam ring. However, Chase 's Checking Department denied my fraud claim for this portion, stating it was a " third-party transaction, '' despite the bank already acknowledging the merchant is a fraud on the credit card side. 

Current Zelle Claim ID : XXXX 2. Federal Investigation : I have officially filed a criminal complaint with the FBI Internet Crime Complaint Center ( IC3 ) regarding this wire fraud and money laundering scheme. 

FBI Submission ID : XXXX Status : The case is currently under initial processing by federal authorities. 

3. Resolution Sought : It is logically inconsistent for Chase Bank to rule that the merchant is a criminal enterprise for the credit card transaction but treat the XXXX transfer to the same criminals as a legitimate " authorized '' transaction. 

I request Chase Bank to align their fraud determination for the XXXX transfer with their findings on the Credit Card transaction and refund the remaining {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC
State: MN

Complaint narrative:
Westlake Financial Service is our auto loan company. We are going through a total loss claim with our insurance, gap insurance, and our auto loan company. It has been multiple weeks now and Westlake Financial Services is not responding to our emails or calls. When we send emails, we only get automated responses. Today, XX/XX/year> we called multiple times to just be able to speak to someone. We had to call multiple numbers just to through to someone. When we got ahold of someone, who was a supervisor, named XXXX. He answered the phone and then hung up. When we speak to our insurance agent through XXXX, they are all set and just waiting on Westlake as well. It has been weeks now and they say they are still doing a valuation and letter of guarantee and title release. This has been the SAME status for weeks now. They even tell us that for the letter of guarantee and title release, we need to speak to someone else besides the appraiser already given to us, XXXX XXXX. Throughout this whole process, havent talked to him/her once. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
after making about 3 complaints to paypal as my was permanently banned and being told that I have to wait 120 days to withdrawal some funds which I already told them in not waiting that long to be able to withdrawal my funds so now im going to have to file a police report to get my funds released since paypal isnt comprehending im not waiting 6 months to withdrawal some funds so a police report will be filed IMMEDIATELY. email on my paypal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In the past 2 years I have spent over {$1.00} million dollars on my American Express personal and business card, and always paid my balance on time. Recently American Express offered a new business card to me on the client portal. I signed up for this card and activated it, and they put my whole account on review and froze my personal card and business card.

I have a newborn daughter and we use our personal platinum card for all houselhold spending. For my company, the blue business card is what we use to pay our all our suppliers in the USA.

I've talked to 6 different customer service agents who have all told me a different story. I've verified all my payments, sent 6+ bank statements, and nothing has been resolved. All 3 cards are still frozen without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear CFPB, XXXX XXXX XXXX is attempting to collect a debt that is directly tied to identity theft and has been wrongly associated with my personal information. I have repeatedly requested verification from Equifax , yet they have failed to provide any credible documentation proving that this debt exists or that I am in any way responsible for it. Their inability to produce a contract, signature, or any form of legitimate evidence not only undermines the validity of the claim but also highlights the serious consequences identity theft imposes on innocent victims like me. The absence of verifiable proof should raise significant concerns regarding the legitimacy of these collection efforts and the protection of consumer rights especially given that I have never signed, authorized, or entered into any agreement with either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
XX/XX/year> : ( incorporating AI wording for assistance ) I have a long history of perfect credit ruined by a technicality, and my experience reflects a known, well-documented issue with Bank of America 's ( BofA ) automated payment systems. My only late payment issues in my credit history are with BofA and I was just reaching the 7 year expiration of the first problems. BofA 's website, which requires a multi-step process involving " eBills '' and " AutoPay '' settings, IS misleading, causing one to believe they are set up when they are not.

Why This Happened ( Common BofA Issues ) The " eBill '' Requirement : BofA 's system seems to require enrollment in " eBills '' ( electronic billing ) before you can activate " AutoPay ''. I believed I had set up autopay, as I previously was making payments on this new car but believe it was impacted by their issuing me a " new '' type of card. Or when making payment only set up a one-time payment or did not complete the second step of setting up the eBill-driven payment.

Additionally, when you look at your accounts page, it shows " auto pay '' which turns out not to be activated unless it says " on ''. No other credit card works this way! Very misleading.

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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I was charged a {$15.00} fee for having less than {$1500.00} in a Wells Fargo Everyday Checking account every day of the billing period. This fee of {$15.00} was an increase from a fee of {$10.00}, and was incurred as a result of a change in a minimum daily balance requirement for Everyday Checking accounts at the end of XXXX, increasingly from {$500.00} to {$1500.00}. I was never notified that this change would be taking place, either in my Wells Fargo Message Center, nor via email, nor by phone. After noticing the first charge, I looked up the change using a search engine and confirmed that something had, indeed, changed. On XX/XX/XXXX I called Wells Fargo and was informed by a representative about this change. I would not have known about this any other way, other than my own due diligence.

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 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
I am writing XXXX  formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times XXXX  reporting discrepancies, my financial institution XXXX  Zelle failed XXXX  investigate my claims adequately. They informed me that recovering lost funds was impossible XXXX  that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected XXXX  protect consumers but has also allowed repeat offenders XXXX  exploit the system, leaving users vulnerable XXXX  scams. 
I have attached proof of the loan. She has admitted to me NOT GIFTING her the money XXXX  refusing XXXX  pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This loan was taken out about a year ago fraudulently online in my name my information was compromised due XXXX  a data breach company insisted that I took out this loan/line of credit when I most certified did not and credit bureau XXXX XXXX XXXX  investigate further. I didnt not find out about this account until it was already in collections XXXX  I do not want this on my credit report nor do I think I should be held responsible for repayment. I froze my credit report nor as soon as I found out about this account but I had XXXX  unfreeze because I am trying XXXX  purchase a home XXXX  with this blemish on my credit reports XXXX  the hassle of having XXXX  freeze it it making it impossible XXXX  do so

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 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
I financed a furniture purchase with XXXX XXXX XXXX. Based on my records, I believe the account was paid in full. I have payment documentation showing the amounts paid XXXX  the dates of payment. 

Without prior notice that XXXX XXXX XXXX had gone out of business or transferred servicing, I began receiving communications from an unfamiliar company calling itself XXXX XXXX, located in another state. Because this appeared suspicious, I requested written verification of the debt, including a complete payment history XXXX  documentation showing that this company had the legal right XXXX  collect. 

Despite my requests, the company did not provide adequate validation or records. Instead, I received letters using pressure tactics, including settlement offers requesting payment of varying amounts ( for example, pay now for a discounted balance ). These amounts did not align with my understanding of the account or my payment records. 

More recently, I received a collection notice from Jefferson Capital Systems stating they had purchased or now own the above-referenced account. The notice did not include documentation verifying the payment history, the calculation of the balance, or proof of the transfer/assignment of the debt. I still believe the original obligation was satisfied. 

I am disputing the validity XXXX  amount of this alleged debt. I request that the company provide full debt validation, including : Documentation showing the original contract/obligation A complete payment history An itemization of the balance XXXX  how it was calculated Proof of the transfer/assignment of the account Confirmation that collection efforts will cease unless proper validation is provided I also request correction of any inaccurate credit reporting associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
MONTEREY COLLECTION SV is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX COLLECTION SV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting XXXX  my credit file XXXX is against my rights XXXX  fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I was not informed what my approved interest rate was nor could I locate it in the interface. I did open a chat with support and they informed me that my interest rate as a person with an XXXX XXXX XXXX was 29.99 % but that was not disclosed in the interface. I was told to look at my documents and statements. I have no statements and therefore no documents with a rate. I did find a bullet under residual interest that stated the following indicating a 24.99 % interest rate, Imagine your XXXX billing cycle closes on XX/XX/XXXX with a {$1000.00} balance carried over from the prior month. Your annual percentage rate ( APR ) is 24.99 %. 
My concern is that Robinhood is hiding their interest rate once approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am registered with this predatory lender under the following : ( XXXX ) XXXX and email address : XXXX. 
I have several small dollar loans with this predatory lender with a total approximate balance of {$3000.00}. On XX/XX/year> I reached out to the business thorough the chat function on the business website. I specifically, asked for financial hardship assistance based on a documented long term illness, with proof available upon request. The only option offered was a one month deferral. Unlike every other creditor, payment arrangements can be structured based on the balance owed, with one monthly payment structured over time. Though, this business operates under a model of allowing a debt to charge off instead of offering payment assistance. By way of record, competitor XXXX offers the exact option that I mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I paid off my mortgage with NewRez on XX/XX/year>. Since the payoff, the NewRez online portal has consistently displayed inaccurate information regarding my payment history and the allocation of each payment between principal and interest. 

Because of these discrepancies, I contacted NewRez in early XXXX to request a payout sheet that itemizes the principal and interest for each payment. I was told the document would be emailed to me within XXXX hours. It was not sent. 

Two days later, I called again and repeated my request. This time I was told the payout sheet would be emailed within 2 hours. An email did arrive, but the attachment was completely blank.

I contacted NewRez a third time and was informed that the report would instead be physically mailed to me within 30 days. What I received was not the report, but a letter stating they are working on it. 

My mortgage has been paid off since XXXX, yet NewRez is now telling me they can not locate or provide a breakdown of how my payments were applied. Additionally, I have still not received a lien release for the final payment made in XXXX, which is required to clear the title. 

Given my professional background in auditing financial transactions, including real estate-related accounts, it is highly concerning that a servicer can not produce a basic payment application history for a paidoff loan. This raises significant questions about the accuracy of their records and their compliance with servicing and payoff requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On Monday XXXX second at approximately XXXXXXXX XXXX  i started getting telephone calls from telephone numbers i did not recognize, i finally answered the phone and it was the rudest representative i have ever talked to, he started off by telling me if i did not pay the debt i allegedly owed the company would come after me and take legal action, i asked him to call me back in about an hour so i could do some research on this but i never received another call that day. I did reach out to my attorney and he told me to download a voice recorder app on my phone so i did and the following day i received another call from a representative from XXXX XXXX and this time it was a female and i told her our call was being recorded and she informed me that she was doing the same thing and proceeded to ask me how i was going to pay for the debt allegedly owed and i told her i need some kind of proof that it was mine and she stated that it has to be mine if it wasn't how did the company get my contact info. I cut the conversation and told her i do not want any more phone calls or any kind of communication and i was blocking the number, this seemed to make her more agitated because she was talking over me and not letting me say anything else, so i just hung up, but i do still have the recorded conversation. since i blocked the number i constantly get phone calls from different numbers all day long and now i get endless emails telling me they can work out a payment plan with me... I have attached every email they have sent me. The harassment needs to stop or we will be forced to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
XX/XX/year> I requested a loan modification due to my vehicle being stolen while XXXX to the XXXXXXXX XXXX, government shutdown and other financial hardships. 
I received a response from the mortgage company stating I needed to pay {$15000.00} in order to keep my home and it would also be moved from a VA Loan to Texas Veterans Land Board Commission loan. When I requested clarification on if me being XXXX XXXX XXXXXXXX service member qualified me for any type of assistance I received a response the day of the deadline date for the loan modification and was denied additional assistance. Was told to resubmit a loan modification which I was then again denied.

Company response to consumer: Closed with explanation