vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
I have a reversed mortgage I am XXXX yrs old these reversed mortgage needs to have a. Hard look and the mortgage companies and collection agency, I kept all my Insurance paid, maintaince etc. 
My Homeowner Insurance Filed Bankruptcy after Hurricaine Ida my house got damaged I being fixing as much as I can kept mortgage up today now I received a foreclosure notice and sale date. 
These Reversed mortgage and the Banking with Attorney making money and put Senior homeless I have no place to XXXX and I have no money to moved I have until XX/XX/XXXX. 

Big mistake Reverse mortgage if you do not die rightaway. 
I need help now..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have two collection accounts reporting from jefferson capital for the same debt same amount and same time frame! It is a duplicate collection account being reported twice for XXXX and is hurting my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I filed a complaint in XXXX of XXXX against this company because they were not paying my home owners insurance.. Since then, my payment amount increased to nearly {$100.00} more than what it has been for over XXXX years. I understand my insurance went up {$400.00} this year. I am not debating that and I understand my payment will go up because of that ; however, that does not justify a {$100.00} per month increase. I believe they are over charging me because I filed a complaint in XXXX of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 non-monetary relief
Consumer complaint received 2026-02-03 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:
I am submitting this complaint regarding JPMorgan Chase Bank 's handling of a fraud/scam dispute involving transactions made under deception and coercion. 

On XX/XX/XXXX, I was contacted through XXXX by individuals who misrepresented themselves and created a false sense of urgency as I was lead to believe that I needed to send money immediately and during the time, I was convinced due to their responses I did not understand that this was a Scam. 

On XXXX XXXX under that pressure I sent a total of XXXX via XXXX XXXX and I did not receive any legitimate goods or services in return. I contacted XXXX XXXX support and they filed a report for me, as I called to follow up that I was also informed from them that there is an ongoing report associated with the transactions. 

On XX/XX/XXXX, after discussing the situation with friends and reviewing what had happened, I realized that I have been manipulated into a fraudulent scheme. 

On XX/XX/XXXX, I went to Chase to change my account passwords and secure my accounts. 

On XX/XX/XXXX, I filed a formal report with the FTC and that same day I returned to Chase and explained the full situation, The banker escalated my case to the Complaints Department, which they told me that the complaints department would get back to me 5-6 business days but the callback window has passed with no resolution. 

Despite this, Chase determined and disputed the charges were valid as I disagree since those transactions were not made with informed consent and were induced by deception, coercion and misrepresentation as I acted promptly and in good faith by reporting this scam, securing my accounts, and cooperating fully with all investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I am in the process of moving. On XX/XX/XXXX I was logging into my accounts to update and change the addresses. I logged onto my XXXX  account to find out someone opened up a credit card in my name Indigo Master Card and charged {$930.00}. I called the company that was named on my XXXX  report, and they told me it was opened up XX/XX/XXXX via the internet. I did not do this. I did lock my credit, but I have been receiving multiple calls about charges from XXXX XXXX XXXX and a few other businesses ; which I was confused by, but now makes sense. When I received these phone calls I did state decline. I have also been receiving multiple emails in regards to opened accounts from XXXX, XXXX and XXXX XXXX XXXX for loans. I know there are others I figured they were spam. 
I did NOT open up any new lines of credit. They also told me it was various cash advances and other multiple banks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The merchant associated with these transactions is illegitimate. Multiple phone numbers were provided, all of which are invalid or disconnected. The bank has acknowledged fraud but denied full reimbursement solely based on timing, despite clear evidence of merchant fraud and inability to contact the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Global Lending Services LLC
State: SC

Complaint narrative:
This debt is more than 10yrs old and I have disputed it with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
They call before XXXX and after XXXX, send constant emails and text messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am submitting this complaint regarding Freedom Mortgages handling of my VA-guaranteed mortgage loan following a six-month forbearance. 

I was approved for a six-month forbearance and am now exiting forbearance. I have clearly statedmultiple timesthat I am able and willing to resume my regular contractual monthly payment of {$3700.00}, and I have done so. 

Freedom Mortgage offered only one loss mitigation option : a XXXX loan modification that increases my interest rate from 3.125 % to 6.6 %. I declined and rejected this modification because it materially worsens my loan terms. I did not refuse to pay my mortgage. 

I explicitly requested evaluation for a VA-compliant repayment plan to repay the forbearance balance of approximately {$22000.00} over 24 months while continuing my regular monthly payment. A manager at Freedom Mortgage stated that : - I can not make a request, - The investors decide, and - My request for a repayment plan would not be documented in my file. 

Freedom Mortgage further stated that I must wait for their decision and that my preference or ability to repay is not relevant. They told me it's not about affordability ; the investor will decide. I asked them to submitted my request and they told me the investor don't take my request ; I believe this conduct is improper and misleading. As a VA borrower : - I understand that repayment plans are an approved VA home-retention option when a borrower can resume regular payments.

- I understand that servicers are required to evaluate applicable loss-mitigation options and properly document borrower communications.

- I understand that a servicer may not pressure a borrower into a higher-interest modification by presenting it as the only option while refusing to document reasonable alternatives.

I am not requesting principal forgiveness or special treatment. I am requesting : 1. That Freedom Mortgage properly document my intent to continue contractual payments.

2. That my loan be reviewed for a VA-compliant repayment plan or other applicable VA home-retention options without increasing my interest rate. At 6.6 % interest rate for 40 years -- -my new mortgage would
be {$4400.00} a month for 40 years -- this is type of modification is malice.

3. That Freedom Mortgage provide a clear written explanation if a repayment plan is denied, including the specific investor or VA guideline relied upon.

I am concerned that Freedom Mortgage is steering me toward an unfavorable modification while refusing to document my lawful request for a repayment plan.

I respectfully request CFPB assistance to ensure Freedom Mortgage complies with VA servicing requirements and fair mortgage servicing practices. 

Sincerely, XXXX XXXX

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 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I requested debt validation from LVNV Funding LLC pursuant to the Fair Debt Collection Practices act. LVNV funding failed to provide proper verification of the alleged debt but reported and/or continued reporting the account to the credit reporting agencies. Reporting an unvalidated debt constitutes continued collection activity and violates FDCPA and FCRA. I am requesting deletion of thi account from all credit bureaus and written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: MD

Complaint narrative:
I am disputing this charge for services not provided under the Fair Credit Billing Act. The merchant failed to deliver the service, and I want this escalated to the chargeback or dispute resolution team. Capital One already found the dispute in my favor on XX/XX/year>. I have sent them proof that the merchant didn't provide services and was fired. Over 30+ days later Capital One reversed the credit and closed the dispute in the merchant favor. They keep closing the dispute when I keep sending them proof. I call up there and they refuse to do anything and if they do anything they lie and say they reopen the dispute but don't. We have shown where we paid the merchant XXXX on another credit card and that's all he is owed. The merchant didn't provide services as promised so he was fired. The company is a big scam.Under the Fair Credit Billing Act : You are not responsible for charges for services not delivered as agreed Issuers must investigate and correct billing errors Failure to do so can violate federal law We did not receive the services as agreed too and the company was fired before services was even received! According to the Credit Billing Act we are NOT responsible for charges for services that was not delivered! I have sent y'all proof that we were supposed to get a refund and Capital One keeps ignoring it and every time I call up there I get different stories and lies and they refuse to help. We do not owe that company any money and we are owed our refund! We have sent everything that capital One has asked for! In a timely manner! They even closed the dispute in our favor and then after 30+ days later reopened it and closed it in the company 's favor. After the fact it was found in our favor and long after the time frame for the company to send anything! And when I try to send more information they tell me it's past the time but yet their page said XX/XX/XXXX and I was trying to send them everything I had again way before that date and they refused it over and over again!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Relay Financial (US), Corp.
State: CO

Complaint narrative:
I signed up for a relay business checking account for {$300.00} bonus and fulfilled all the terms and conditions from the signup page and was supposed to receive the bonus by XX/XX/year>. 

I contacted Relay about this and they are claiming I did not signup through the " correct link ''. I signed up on Relays site that had the terms and conditions for the bonus and completed the application in one sitting from the same page. So I did use the correct page.

I explained this twice and have competently stopped hearing from Relay at this point with any updates or any responses for any inquires now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I went online to close my accounts and no option exists. When I go to the chat and request the same, I am only given the option of calling in on the phone and speaking to a representative about my account closure. When they give me instructions to call I am told there are long waits. Indeed when I called I was waiting for 45 minutes until I finally hung up.

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 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I have noticed that my credit is being used without my consent or knowledge

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 2026-02-03 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I purchased an app called XXXX XXXX  which screens unknown callers. The app offered a seven day free trial. I use the app, but it did not perform as advertised. I canceled within the seven day trial but was still charged. I purchased it with Apple credit card. I was not refunded. I tried to dispute with Apple Card, but was denied a refund twice with Apple and twice with XXXX XXXX. XXXX XXXX also has a 60 day refund policy which Apple also denied. please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — Store credit 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: LA

Complaint narrative:
Ill be sending you a letter in the mail today to your Corporate Office in New York to settle this issue. If you cant help me with this issue then your Corporate Office will and trust me Ill be clipping together all of the documents from XXXX XXXX to show you that I dont have to pay you no more money for that card. You said that you charged off that card a week after you got the last payment of {$320.00} right. Now, my question is that even legal to do that and if so why did you do that because you were paid so you shouldve had kept that card opened? Furthermore you shouldve had wrote the rest off and I will have that in the letter today. I will never use Chase  again because you are not a good company to deal with and I will tell everybody to not use you. You are supposed to be for the people not for yourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
CFPB Complaint Timeline Ally Financial Auto Loan Vehicle Loan Account : Ally Financial ( auto loan ) Issue Type : Improper servicing, forced delinquency, inaccurate credit reporting, unfair fees Timeline of Events Motor Vehicle Accident I was involved in a motor vehicle accident. I maintained liability-only insurance.

Lender-Initiated Tow and Recovery Without my authorization, Ally Financial ordered towing and vehicle recovery. I did not select the tow company, approve the services, or control the costs incurred.

Payment Access Blocked Prior to my regular due date, Ally restricted or blocked my ability to make my normal monthly payment through its payment system, despite my willingness and ability to pay.

Forced Past-Due Status While payment access was blocked, Ally allowed the account to become past due and assessed the balance as delinquent.

Adverse Credit Reporting Ally reported adverse information to consumer reporting agencies while payment access was restricted, resulting in credit harm caused by servicer action, not nonpayment.

Addition of Tow and Recovery Fees Ally added lender-initiated towing and recovery fees ( approximately {$1700.00} ) into the loan balance, inflating the amount due during the period payment access was restricted.

Complaint Filed I submitted a formal complaint disputing the blocked payments, inaccurate reporting, and unauthorized fees.

Payment Access Restored After Due Date Only after my complaint did Ally restore the ability to make payments after the due date had already passed and credit harm had occurred.

Demand for Payment After restoring payment access, Ally demanded payment of the {$1700.00} towing and recovery fees, despite the fact that these charges arose from lender-initiated actions and a forced delinquency.

Formal Dispute and Refusal to Pay I formally disputed the charges and notified Ally that I will not pay fees or balances caused by unlawful servicing, forced delinquency, or inaccurate credit reporting.

Final Notice Sent I issued a final written notice ( responding to Allys XXXX XXXX XXXX  letter ), giving Ally XXXX  days to correct the account, remove adverse credit reporting, and cancel all lender-initiated fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Good afternoon! 

I have a problem with Coinbase wallet.I had some money in that account and when I made an update to that app all my funds disappeared.I talked several times with agents still the issue it's not resolved. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: FL

Complaint narrative:
Issue : ProCollect is reporting an inaccurate and invalid collection account to XXXX  The balance, dates, and fees are incorrect, and the debt is not legally enforceable under Florida law. ProCollect has ignored multiple written requests for validation. 

What happened : ProCollect is attempting to collect {$390.00} XXXX XXXX XXXX ( XXXX XXXX ). The balance they are reporting is inaccurate and based on charges that are not authorized by the lease or by Florida Statute 83.575 ( 2 ). The landlord charged an early termination fee of {$1600.00}, which does not match any amount stated in the lease and is unenforceable without the statutory notice required by 83.575 ( 2 ). I was never provided this notice at or before lease signing. 

The Final Account Statement also uses an incorrect moveout date of XX/XX/year>, even though I returned my keys on XX/XX/year>, which is the legally recognized date of surrender of possession in Florida. This makes the accounting, deposit claim, and balance inaccurate. 

I paid rent in full for XXXX and XXXX, so no rent was owed for the period in question. The landlords accounting is defective, and the balance is not valid. 

I have emailed ProCollect multiple times requesting validation, including : A full itemized accounting A copy of the lease Documentation supporting the charges Proof of the statutory notice required by 83.575 ( 2 ) Proof the fee is authorized by the lease ProCollect has ignored all requests and continues to report the inaccurate balance to XXXX 

What I want : I am requesting that the CFPB require ProCollect to : 1. Provide full validation of the debt, including the statutory notice required by Florida law, or 2. Delete the collection account from all credit bureaus due to inaccurate reporting and failure to validate. 

The balance is incorrect, the fee is unauthorized, the statutory notice was never provided, and the moveout date is wrong. This is causing significant harm to my credit.

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