vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have made multiple formal demands for debt validation, including a notarized request sent via Certified Mail with return receipt. The respondent received these requests, and I have proof of delivery. In those notices, I specifically required competent validation, including the original signed contract, full chain of title/assignment, complete account statements, an itemized balance, and proof of legal authority to collect. The respondent has willfully refused to provide any of the requested documentation. Instead, they issued a generic, conclusory affidavit containing unsupported assertions, without any underlying records. This does not constitute validation and fails to substantiate the alleged debt. Further, the original agreement contains a binding arbitration clause governing disputes. The respondent has disregarded and overridden that clause, choosing to pursue collection and legal action without first validating the debt or honoring the agreed method of dispute resolution. Despite repeated good-faith efforts on my part, supported by documented and confirmed delivery of my requests, the respondent continues collection activity without validation. Their actions demonstrate a pattern of noncompliance, disregard for the dispute process, and reliance on unsubstantiated claims rather than competent evidence. The respondent has referenced an affidavit but has refused to provide me a copy directly, instead only filing it with the court. I request that any such document be provided to me, as it has not been made available for my review or dispute.

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 2026-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
I am submitting this complaint regarding the servicing practices of my mortgage loan by Freedom Mortgage. At present, my mortgage account is paid two months ahead. Despite this, Freedom Mortgage has restricted my ability to make regular monthly payments through their online and mobile platforms. When I attempt to submit a payment electronically, the system only allows the payment to be applied toward the principal balance rather than as a standard monthly payment, which is not my intent. As a result, the only option provided to make a regular monthly payment is to call their customer service line. This process requires extended wait timesoften exceeding 10 minutesand includes repeated unsolicited marketing of additional products and services, even after I have explicitly declined such offers. I am concerned that these practices effectively limit my ability to conveniently and properly manage my mortgage payments. Restricting standard payment methods while steering payments toward principal-only application creates unnecessary barriers and may lead to confusion or potential account issues. I did not choose Freedom Mortgage as my loan servicer, and their current policies and practices appear to make routine payment processing unnecessarily difficult.

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 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
On XXXX XXXX I sent two letters to XXXX XXXX, 1 asking for verification of debt and the 2nd to stop harrassing my family.As of yesterday they have continued to call my family and I've received no verification of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My XXXX required me to send cashiers checks in the mail to pay rent. I got a cashiers check from a local Citibank location where I held an account and sent it to him on XX/XX/XXXX. On XX/XX/XXXX, my XXXX reached out and asked where the check was. I reported the check missing to Citibank and they launched an internal investigation to see if the check had been cashed. On XX/XX/XXXX, I received a report from Citibank saying the check had been cashed and they closed the case. The report showed a scanned version of the cashed check with a signature that did not match the name of my XXXX to whom the check was addressed. It should not have been allowed to be cashed. So I requested the case be reopened after XXXX at the branch office told me Citi has a protocol for handling this and getting my money back. Months went by and when I came in XXXX would always say he was looking for updates every day and following up with Citi on my behalf. XXXX months go by with no updates and I asked if there was anything I could do to speed up the process. XXXX recommended calling XXXX XXXX. I called XXXX XXXX and they would not connect me with anyone to discuss my case despite my best effort and said it needed to be handled by the XXXX XXXX. I moved to the XXXX XXXX for a job and I have been following up with XXXX through numerous phone calls and emails and I have yet to get any response at all since I moved. Nobody at Citibank will talk to me about the case.

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year> I received a debit card in the mail from CHIME with a welcome letter and QR code to activate. I have never done business with CHIME or its affiliate XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have never applied for an account with them. In this letter they ask me to link my bank account with them and set up direct deposit. I immediately called CHIME at XXXX on three occasions ( XX/XX/year> ) trying to close this account that was opened erroneously. I asked for help closing the account and was denied. I asked to speak to a Supervisor and was denied multiple times. I asked for the Fraud Department multiple times, and was denied. Instead, the 3 separate agents I spoke with on three separate occasions asked for MORE identifying information on me and never asked for the account number assigned in my name which I thought was suspicious. Now I am reaching out to you for assistance. I don't want this account linked to me or my credit report. I never wanted a CHIME account in the first place. NOTE : The attachment includes a big " X '' on the QR CODE - done by me but my name and address are still visible. Thank you in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC

Complaint narrative:
RE : Formal Complaint Against Roundpoint Mortgage Servicing Corporation Property Address : XXXX XXXX XXXX XXXX XXXX XXXX Insurance Claim # : XXXX ( XXXX ) Date : XX/XX/XXXX Dear Sir or Madam, I am writing to file a formal complaint against Roundpoint Mortgage Servicing Corporation for their unreasonable delay in disbursing insurance claim proceeds related to fire damage at my property. Incident Summary : On XX/XX/XXXX, a tenant-caused fire occurred at my property located at XXXX XXXX XXXX XXXX, XXXX XXXX ( fire report attached ). XXXX XXXX approved a claim totaling {$200000.00} for repairs, which was distributed as follows : {$180000.00} - Sent to Roundpoint Mortgage LLC on XX/XX/XXXX {$14000.00} - Paid directly to me on XX/XX/XXXX The Problem : Roundpoint initially disbursed {$79000.00} in XX/XX/XXXX. The restoration work was completed, and I submitted the Certificate of Completion to Roundpoint on XX/XX/XXXX. Since then, Roundpoint has failed to release the remaining balance needed to pay my contractor, XXXX XXXXXXXX XXXX XXXXXXXX. To date, I have received only XXXX check for {$5.00} ( dated XX/XX/XXXX, received in XX/XX/XXXX ). My Attempts to Resolve : Over the past two months, I have made more than 20 phone calls and spent countless hours attempting to resolve this matter. After escalation, I was assured the remaining funds would be sent via XXXX overnight to my address in XXXX, NY. A shipping label was created on XX/XX/XXXX, but the check was never dispatched, and Roundpoint has provided no clear timeline for delivery. Financial Impact : Roundpoint has held my insurance proceeds since XXXX XXXXnow nine months. My contractor completed all work in XX/XX/XXXX and remains unpaid. I can not provide a payment commitment date due to Roundpoint 's failure to release funds that rightfully belong to me for completed, verified repairs. Requested Action : I request that the CFPB investigate Roundpoint Mortgage Servicing Corporation 's handling of my insurance claim proceeds and compel them to immediately release the remaining balance owed. Their delays are causing significant financial hardship and damaging my business relationships. I have attached the fire report and am prepared to provide additional documentation as needed, including the Certificate of Completion, contractor invoices, and records of my communications with Roundpoint. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX / XXXX Enclosures : Fire Report ( XX/XX/XXXX ) Certificate of Completion ( XX/XX/XXXX ) call records with Roundpoint

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Someone from Capital One called me and said there was a suspicious charge on my account. He transferred me to a man who claimed he was an identity theft specialist for the Federal Trade Commission. He continued to get a lot of personal information from me and got me to transfer a lot of money to a bank account that I can't access while they investigated my identity. I've lost a lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: DC

Complaint narrative:
This company is violating my rights. They have not provided validation information under 12 CFR 1006.34 ( b ) ( XXXX ), yet they have placed a collection on your consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am filing this complaint because Chime incorrectly debited {$25.00} from my account for a payment to the XXXX that failed on their end. I had to pay the XXXX manually to avoid penalties. Despite their promise to credit me back, Chime has failed to do so and has been completely unresponsive to my email sent on XX/XX/XXXX. Their lack of integrity and failure to communicate is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am submitting a complaint regarding the reporting of my student loans, which have been marked as late payments and are negatively impacting my credit. During my last conversation with Nelnet, I was informed that my loans would be placed in forbearance. Based on that communication, I understood that my account would not be considered delinquent. However, despite this understanding, late payments have continued to be reported. Additionally, I recently discovered that my phone number was incorrect in Nelnets system, which may have prevented me from receiving important updates or notifications about my account. I also have an active XXXX XXXX XXXX XXXX ( XXXX ) case, but I have been unable to obtain any meaningful status updates. I have only been told that the application is still in process, with no further details or timeline provided. As a result of these issues, my credit has been significantly damaged, placing me in a difficult financial position. I am requesting a thorough review of my account, correction of any inaccurate reporting, and clear communication regarding the status of my XXXX application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BULBUL INVESTMENTS LLC
State: NY

Complaint narrative:
I am a former customer of the cryptocurrency exchange XXXX ( Bulbul Investments LLC ). I held an account with them containing [ Insert amount, e.g., XXXX XXXX or {$500.00} USD ]. I am filing this complaint because the company has effectively shuttered operations and ceased all communication, making it impossible for me to withdraw my assets. Timeline of Events [ Date of original deposit/account opening ] : I initially engaged with XXXX on or about XX/XX/XXXX. I began buying, selling, and holding XXXX starting in XX/XX/XXXX and have maintained assets on the platform at all times since XX/XX/XXXX. [ Approximate date you lost access ] : Around XX/XX/XXXX, I first became aware of problems when I began having difficulty withdrawing more than XXXX XXXX per day. Following a Cease and Desist order from the Georgia Department of Banking and Finance on XXXXXX/XX/XXXX, the platform began a " wind down '' process that eventually left my full balance inaccessible. [ Date of last contact ] : While I have sent dozens of emails over the years, my most recent formal demand for the return of my XXXX XXXX was a legal demand letter sent by my counsel on XX/XX/XXXX, which received no response. Throughout XXXX, I continued to receive text messages from XXXX XXXX acknowledging the debt but offering only empty promises of a " settlement offer '' that never arrived. Recent Status : Despite several attempts to contact the CEO, XXXX XXXX, and Bulbul Investments LLC, the platform remains inaccessible and my funds have not been returned. The company was administratively dissolved on XX/XX/XXXX, yet they continue to withhold my property. Actions Taken : I have attempted to resolve this through their official support channels and have followed public reports regarding their legal issues with the SEC and private litigation ( such as XXXX XXXX, XXXX v. Bulbul Investments LLC ). I am now seeking the CFPB 's assistance to facilitate the return of my property, as the company is a financial services provider that has failed to provide access to customer holdings.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
In XX/XX/year>, I applied and was approved for the XXXX XXXX XXXX XXXX XXXX Credit Card ( issued by Chase ). At the time of my application, the publicly advertised promotional offer showed a sign-up bonus of XXXX bonus points after meeting a minimum spending requirement. I applied for the card based on this advertised offer. After meeting the spending requirement and not receiving the expected bonus, I contacted Chase customer service. The representative informed me that my sign-up bonus was only XXXX points after spending {$500.00}, plus a {$200.00} statement credit significantly less than what was advertised when I applied. I then contacted Chase through their secure online messaging system to formally dispute this. In their responses, Chase repeatedly treated my dispute as an " offer match '' request rather than a sign-up bonus dispute. They requested an offer code, invitation number, or screenshot as proof of the offer. I do not have this documentation as I did not take screenshot when applying. I believe Chase failed to apply the correct promotional offer to my account at the time of my application, and has not made a good-faith effort to investigate what offer was publicly associated with my application in XX/XX/year>. Actions Taken : Called Chase customer service no resolution Sent multiple secure messages to Chase no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2026, Capital One charged a {$10.00} cash advance fee for a {$100.00} XXXX transfer I initiated. I received no warning or disclosure of this fee before, during, or immediately after the transaction. I discovered the charge on my statement on XX/XX/2026. I immediately attempted to contact Capital One to dispute the charge. On XX/XX/2026, I contacted Capital One through XXXX ( their XXXX XXXX ) via text message to ask about the charge and request a human representative. XXXX could not answer my question and provided only phone numbers as contact options. Capital One 's website and customer service channels do not advertise non-phone options for dispute resolution or billing inquiries. I am unable to resolve financial matters effectively by phone and require a written record of interactions. On XX/XX/2026, I emailed the CEO requesting assistance at XXXX, but received no response. Capital One appears to have structured their customer service to force phone-only dispute resolution, which effectively prevents customers from documenting and resolving billing issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Columbia Debt Recovery LLC dba Genesis I am filing a complaint against this collection agency for attempting to collect a debt that has not been properly validated. I requested validation of this alleged debt on XX/XX/year> in which I emailed them for falsifying debt and I included pictures of the original debt and when the debt was paid. I also requested them to validate the debt including a copy of the signed lease agreement and a full itemization of the balance owed through email and verbally.. The collection agency failed to provide any documentation showing that I agreed to this debt or that the amount is accurate. Despite this, they continue to attempt collection and/or report this account to the credit bureaus. This is a violation of my rights under the Fair Debt Collection Practices Act. I am requesting that this account be removed from my credit report and that all collection efforts cease immediately unless proper validation is provided, including a signed lease agreement and proof of the balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I deposited a cashiers check issued from XXXX XXXX XXXX in my Wells Fargo checking account on XX/XX/year>. Wells Fargo placed a hold on the check until XX/XX/year> and have stated through multiple calls that its due to verification of funds. Initial contact from Wells Fargo advised to reached out to check issuer, which I did and XXXX XXXX confirmed the check cleared on XX/XX/year>. Wells Fargo has also not allowed me to supply documentation to show that the cashiers check is not fraudulent, as was stated on XXXX of the phone calls to Wells Fargo. Also, Wells Fargo has not allowed any portion of the funds available for withdrawal and there is currently and has been more than the amount of the cashiers check in the account since it was deposited on XX/XX/year>. I have also asked about any interest earned on the funds while they are being held, which has been denied. The funds from the cashiers check were a gift from my XXXX for a closing on a residence, which has been delayed due to Wells Fargo.

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 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am reporting a compromised Cash App account that I no longer have access to. An unauthorized individual gained access to my account, changed my login credentials, and enabled security features that locked me out, including a new PIN and card information that I do not recognize. There has been unauthorized activity on the account, including XXXX transactions that I did not approve. I contacted Cash App support, and they stated they can not delete the account due to an existing balance or XXXX activity. However, they have refused to lock or freeze the account despite me clearly reporting that it is actively compromised. This creates an ongoing risk of financial harm, as the unauthorized user may continue to access or misuse the account. I am requesting that Cash App immediately : * Lock or restrict the account to prevent further unauthorized access * Investigate the fraudulent activity * Ensure I am not held responsible for any unauthorized transactions I have made multiple attempts to resolve this directly with Cash App, but they have failed to take appropriate action.

Company response to consumer: Closed with explanation